This is one of the Worst bank i have ever seen.... i use to have overdraft sevices here.. and cleared everything on time not even a single emi missed ever in so many years .. Few days back i went and asked for personal loan and omg they have several reason to reject... I have a great cibil history.... Our govt is not at all focusing on ease of doing business... They only talk... No matter what the govt says our system will remain same as it was before