I have an account in hdfc bank it is really osm bank when I was in delhi and my account is in hdfc bank goniana and one day I really med some money urgently and I ask to my father send me Rs.5000 then my father deposit it into my bank account within 2 minutes I receive a sms from hdfc bank in which they write your deposits are successful debited to your account and I withdraw this money and use it the facilities of this bank is reallly cool they transfer money urgently and this bank is really cool and popular bank in these days I also have account in OBC bank which is government bank they cannot deposit money immediately bt hdfc bank is osm it did it immediately I also have debit card I can use it any time anywhere