Sbi is peoples 1st choice. It is mine also. I havnt faced any problem with the working process of this bank. Hassale free transactions can be expected by any individual. And you can do many big national transactions with its cards. I have seen in many sites that only 5 or 4 banks they prefer and Sbi comes on the top. On my experience 2 years banking relationship with this bank I can say that this bank is very reliable and the processess does not take much time. The interest rates are decent too and their staffs are very helpful.