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Private banks are going to hate this new directive by RBI! Passbook is mandatory
- Thread starter Sushubh
- Start date
- Replies 47
- Views 6,091
I think if a bank is good enuf, u need not have its branch in ur area. That is, if u r opting for a private bank, u shud expect this level of professionalism from them. And i seriously dont know which banks do offer this. Coz prior to my current account, i had a "Minor" account in SBBJ which is a few metres away from my place.
IndianMascot
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But one thing i had experienced is that those people who are habitual to Electronic Banking becomes blank in manual banks like SBI. And those persons (like my father) who is expert with passbook, Voucher form, cheques, and other 100 forms of bank become totally blank when it comes to withdraw amount from ATM.
Recently when i was at my home in Diwali holidays, Dad gave me a transfer slip and a cash voucher slip. This for for transferring amount from one SBI to another SBI. And when I went to bank i was totally bank where to give . I just hate this " Ekal Khidki " (would be " Single Window ") . Thanks God he had told me the name of officer with whom i had to take sign and then submitted it to that Ekal Khidki which was told by friend .
Even that Babu which signed the Voucher form warned me use cheque next time for amount transfer.
Recently when i was at my home in Diwali holidays, Dad gave me a transfer slip and a cash voucher slip. This for for transferring amount from one SBI to another SBI. And when I went to bank i was totally bank where to give . I just hate this " Ekal Khidki " (would be " Single Window ") . Thanks God he had told me the name of officer with whom i had to take sign and then submitted it to that Ekal Khidki which was told by friend .
Even that Babu which signed the Voucher form warned me use cheque next time for amount transfer.
passbooks are awesome because they are official records of all your transactions.
photocopy of passbook is a valid address and identity proof.
Ideally Bank Passbooks with a/c holder passport size photo attached (photo rubber stamped /transparent plastic film covered ) is useful as address proof if No Bsnl landline statement/voted id/Driver liecence/ Ration card is not available.
photocopy of passbook is a valid address and identity proof.
Ideally Bank Passbooks with a/c holder passport size photo attached (photo rubber stamped /transparent plastic film covered ) is useful as address proof if No Bsnl landline statement/voted id/Driver liecence/ Ration card is not available.
oh i wont touch SBI. babus there act like they are freaking ministers.
BOB has been very nice. i have a ppf account with them.
My experience has been more or less opposite...i think SBI is the most professional out of all the psu banks. one of the reason's might be the volume of customers they handle, it ws 70% of total no. of accn. in India at last count hence they have to be efficient.
For the horribleness of others, I faced two such examples one in BoI & one in UCO bank there u have to first deposit the money in cash counter then take the slip and go to the deposit counter. now what the f*** is this, why u even have a single window counter. Same for making drafts, come after 2 hours, why can't u print instantly?? One of the worst examples was of one of my friends when he tried to open an accn. in Indian bank i guess, there they asked him to verify the introducer sign. on his own as they didn't have time.:tyrannosaurus:
Fortunately SBI is way better. I operated it thoroughly in my student life & is operational even now.:dance:
BOB has been very nice. i have a ppf account with them.
My experience has been more or less opposite...i think SBI is the most professional out of all the psu banks. one of the reason's might be the volume of customers they handle, it ws 70% of total no. of accn. in India at last count hence they have to be efficient.
For the horribleness of others, I faced two such examples one in BoI & one in UCO bank there u have to first deposit the money in cash counter then take the slip and go to the deposit counter. now what the f*** is this, why u even have a single window counter. Same for making drafts, come after 2 hours, why can't u print instantly?? One of the worst examples was of one of my friends when he tried to open an accn. in Indian bank i guess, there they asked him to verify the introducer sign. on his own as they didn't have time.:tyrannosaurus:
Fortunately SBI is way better. I operated it thoroughly in my student life & is operational even now.:dance:
why to open account in private bank ?
I have accounts in Bank of BAroda, Union bank, andhra bank. (I dont have private bank account)
getting All facilites (net banking, mobile banking, mobile alerts, cheque books, debit cards,pass books) without any extra cost.
In fact at union bank I am not levied any fine when balance goes below 1000.
for the past 4-5 yrs I havent filled a single bank related form... The HDFC bank employees fill it up for us & just bring them to my house for us to sign... That service alone is worth keeping an acct with them... Of course it might be coz we huge FDs with them but we have similar FDs in PSU banks & we are treated like shit over there zzzz... But every branch is diff & it is very much possible that the PSU bank u have an acct in gives you great service...
I have accounts in Bank of BAroda, Union bank, andhra bank. (I dont have private bank account)
getting All facilites (net banking, mobile banking, mobile alerts, cheque books, debit cards,pass books) without any extra cost.
In fact at union bank I am not levied any fine when balance goes below 1000.
for the past 4-5 yrs I havent filled a single bank related form... The HDFC bank employees fill it up for us & just bring them to my house for us to sign... That service alone is worth keeping an acct with them... Of course it might be coz we huge FDs with them but we have similar FDs in PSU banks & we are treated like shit over there zzzz... But every branch is diff & it is very much possible that the PSU bank u have an acct in gives you great service...