Hi!
I have had the opportunity to use the services of HDFC Bank for the last two years. I chose HDFC Bank in Delhi (KG Marg) since only BankAm and StanChart were the only others offering ATM services that time but insisted on much higher balances (25K).
The experience with HDFC Bank has been below expectations. Not that their services are entirely deficient but their staff needs a lot more training in terms of handling clients efficiently and positively. Also, the bank needs to do with the separation of the corporate/NSE related work and retail clients.
The infrastructure / ATMs also need a lot more spread and improvement. And I was in for a surprise when I moved to Mumbai -- the Nariman Point branch, which caters to so many corporate a/c (and salary a/c of their staff) of bank does not have an ATM. The nearest is at Church Gate. So much for their IT initiatives and customer focus! And I recall this being one of the jokes in The Economic Times.
I also a/c with other banks but honestly, none of them is perfect except of course when I dealt with BankAm -- really I have never such high and efficient sevice levels anywhere in the service industry.
On the whole I would rate HDFC Bank average. Prefer to go in for ICICI Bank -- they have better ATM network and customer services.
Amit