When you go to ICICI Bank Ltd for any account opening or for any insurance and / or investments related business to the Bank in which their employees get credits for the businesses or insurance or investments procured, you will get excellent services.
They will guide you properly, but if you go to open a Govt oriented scheme like Senior Citizens’ Savings Scheme 2004, no one will entertain you at all. No guidance will be given to you. On the contrary you will be discouraged to invest in such type of schemes & you will be asked to invest in the schemes wherein they get credit for the businesses procured.