I have a account in hdfc and I am very pleased to say its a good bank for evryone.! When I went there for opening my account.they talked to mw very nicely and tried to understand watever I want tk say.it was a good experience.even there interest rate was also good.and all those online fixed deposite application and reapplication of account, every thing is online and I like all these online refunding nd all soo im my opinion that is a great bank