ICICI Vs HDFC Vs SBI Which Bank Is Better?
Major improvement in banking services after the admission of private banks. Customer service, e-service, everything has improved. Which Bank Is Better? Let's see that.
ICICI
The first bank account opened was ICICI. Branch Kopisetipalayam.
Since there was no money in the beginning and banking transactions were not regular at that time, the account remained unused.
I went with my father and asked to get the bank account back as they warned me that they would freeze the bank account as it was not being used.
After this there was no problem in the last years.
One time a name change caused a delay in customer service, which was fixed after a minor tussle.
Emailing a customer service center is not easy. They can send complaint only in specified manner.
This means that a complaint cannot be easily sent to an email address.
Money transaction
All tasks can be done within ICICI (App). NEFT, IMPS, UPI transactions are all seamless.
Minimum balance ₹10,000, ₹5,000, ₹2,000.
HDFC
Started for office salary account. Back then (by 2004) HDFC was a growing private bank.
Since then till now HDFC customer service has been excellent. Filing a complaint is easy and they will respond within five days at most.
There has never been a problem that could not be solved. I would get a fight, but that happened very rarely.
Personal Banker
Depending on balance, transactions (Classic Banking) Personal Banker will be appointed personally.
If you tell him the need, he will do it.
Money transaction
NEFT, IMPS, UPI transactions are all seamless. HDFC is my preferred primary bank for UPI transactions.
Minimum balance ₹10,000, ₹5,000, ₹2,500.
SBI
SBI was my choice as I thought it would be better to have an account with a national bank. I opened an account in this bank amid many objections.
SBI Bank sucks in customer service. Although there is no change, it is not as bad as it used to be.
As all the work can be done online, there is less need to go to the bank.
If you complain online, action is taken.
Money transaction
UPI is the only payment service in existence. If you want to trust SBI to make payments at shops, it will be raining at a crucial time.
Minimum balance is ₹0. Earlier it was ₹3000, ₹2000, ₹1000.
Which bank is best?
Although all three banks have their flaws, all three are great banks!
As far as I have used HDFC –> ICICI –> SBI overall service is excellent in usage.