I am opening an account in Indian overseas bank at hinoo ranchi Jharkhand. I have personaly feel very bad experience with branch officer and always bank link is fail. So when a withdrawal money .i have face many problem. And bank atm is poor always many problem is occurring. And the customers care line is always busy. And in the bank processing time is to long. So I close my account in Indian overseas bank .i suggest to you to check the all information for branch .this is my personal point of view. Thanks you