I am going to share my personal experience here about central bank of india which is located at dadar east, khodadad circle branch. I had opened up a saving account in cbi in 2014.I got my debit card 4 months later after opening the account. There was a spelling mistake in the debit card. I gave an application to the clerk about rectifying the mistake in the card but the clerk told me why do you want to change your spelling? it is not going to affect negatively in future. It will take a year to get a new debit card so don't give this application. I argued with him to accept my application. After a year I got my new debit card. So you can observe the pace at which this bank works. Talking about phone banking it is quite average. Server is down at night which is quite trouble some. Atm availability is bad. Staff is rude. Lack of moral can be observed among the employers. I hardly got any satisfaction from this bank. I hope this review helps you. Thank you.