I have been having an sb account with hdfc bank for the past 30 months. I have also taken a vehicle loan from hdfc. I am pretty happy with the bank, though not excited about it. Hdfc, icici, and other new generation banks are all technology driven, and does not possesses the personal relation that the nationalised, scheduled and other old generation banks offer.
For example, i also possess an account with the dhanalakshmi bank. Every visit of mine to that bank is actually a different experience. I know each and every staff there - from the peon to the manager. I talk to everyone and spend atleast a good 30 mins there. I am invited for various farewells and other functions there.
At hdfc bank, you may not find the teller you met last week when you visit the next time. But, they take care to see to that you are not made to wait any longer than necessary. It is process driven, and your debits and credits happen automatically, and there is no cribbing about it later. The area where all these banks fail is the use of their direct marketing agencies - they use off roll people to source accounts, loans and other things - leading to a situation where some executive may do some thing terrible and you end up paying for it.