Today Iam going to give my personal opinions on hdfc bank which is a private bank. One most important detail that I would like to share with you all is that there is a minimum balance of INR 10, 000 THAT one must be maintaining on an average basis otherwise you will be levied a deduction for not maintaining average minimum balance. Further the staff working here seems to be moody at times, specially with the illiterate people. My experience with this bank is not quite well gone.