HDFC bank is public sector bank it is not big bank as like SBI or PNB so that is the region it gives good services If I well say about ATM Availability that is not more but it is also not less so. internet banking is good and phone banking is also good and bank gives only 4% interest but now days HDFC has increased there NPA(non performing asset) NPA is that if any person who have take loan and not give any interest in 90 days that is called NPA and it is increased 12 to 15% but rule of RBI is only 5% so this bank is going in loss so RBI want to merged this bank to any big bank after that it will become a big bank so if you want to join and you can go and In now days Loan interest is very high in the bank due to reduction of inflation in the market.