Hello friends, today I will share my personal experiance with hdfc bank. I live in jaipur. when I study in 12th class, I opend an account in hdfc bank in one thousand rupees. I got my atm in seven days. this bank apply mobile sms charge.once my balance is automaticly cut by bank then I called customer care and I am not satisfied, so customer service is bad. phone banking is available. atm availability is average.