I will first suggest u guys to change your banking experience and have a great banking service of hdfc bank. I am a customer of hdfc bank from 2009.first I have a sbi salary account. But after few months I changed my account to hdfc. There after I feel the difference. Hdfc customer service is very attractive. They behave like we are the guests in home. Asks water first. Then one of ther representive will ask how can he help u. Very nice exprience since 9years. I had taken three times peronal loan. At thr first time I gave my document. But after that no document need only some online formality then get the loan amount dishburshed in my account. I also have trading account. Mutual fund all are a bit simpler than other banks. I will recomend it