Suggest me a PSU Bank for a decent Banking Experience.

[kjs]

I would like to open a PSU bank account for below Banking requirements
1.Secondary UPI Account
2. Parking some Emergency fund through FD and might take OD Against Fd if required ( All process thru app )
3.Debit card with reward points for Credit card Bill payments.
4.Better Loan ROI offerings for future requirements

I have below branches within 5-7 mins walk able distance from my home
- BOB
- SBI
- BOI
- Union Bank of India ( Coming soon )

I am ok to maintain some minimum balance or even Debit Card (I will take EFT of PSU basket and recover from there 😁 )

I have the below accounts as on Today
Hdfc - Salary
Icici - Home loan EMI ,INVESTMENTS ( LIC , Equity,MF Sip)
Kotak Bank 811 super saver - Daily expenses (UPI , Credit card bill payment, Utility bill payment,Petrol ,General Expenses)

As i am not having a PSU I would like to open one which will also fullfil the above requirements also from the above list (having a branch nearby can always be a plus)

 

[aniketkr.sharma]

I would like to open a PSU bank account for below Banking requirements
1.Secondary UPI Account
2. Parking some Emergency fund through FD and might take OD Against Fd if required ( All process thru app )
3.Debit card with reward points for Credit card Bill payments.
4.Better Loan ROI offerings for future requirements

I have below branches within 5-7 mins walk able distance from my home
- BOB
- SBI
- BOI
- Union Bank of India ( Coming soon )

I am ok to maintain some minimum balance or even Debit Card (I will take EFT of PSU basket and recover from there 😁 )

I have the below accounts as on Today
Hdfc - Salary
Icici - Home loan EMI ,INVESTMENTS ( LIC , Equity,MF Sip)
Kotak Bank 811 super saver - Daily expenses (UPI , Credit card bill payment, Utility bill payment,Petrol ,General Expenses)

As i am not having a PSU I would like to open one which will also fullfil the above requirements also from the above list (having a branch nearby can always be a plus)

SBI is best among all others app and services are more trash

 

[harsha1]

I would like to open a PSU bank account for below Banking requirements
1.Secondary UPI Account
2. Parking some Emergency fund through FD and might take OD Against Fd if required ( All process thru app )
3.Debit card with reward points for Credit card Bill payments.
4.Better Loan ROI offerings for future requirements

I have below branches within 5-7 mins walk able distance from my home
- BOB
- SBI
- BOI
- Union Bank of India ( Coming soon )

I am ok to maintain some minimum balance or even Debit Card (I will take EFT of PSU basket and recover from there 😁 )

I have the below accounts as on Today
Hdfc - Salary
Icici - Home loan EMI ,INVESTMENTS ( LIC , Equity,MF Sip)
Kotak Bank 811 super saver - Daily expenses (UPI , Credit card bill payment, Utility bill payment,Petrol ,General Expenses)

As i am not having a PSU I would like to open one which will also fullfil the above requirements also from the above list (having a branch nearby can always be a plus)

Can you please share any good ETF of PSU Baskets?

 

[Fini7777]

I would like to open a PSU bank account for below Banking requirements
1.Secondary UPI Account
2. Parking some Emergency fund through FD and might take OD Against Fd if required ( All process thru app )
3.Debit card with reward points for Credit card Bill payments.
4.Better Loan ROI offerings for future requirements

I have below branches within 5-7 mins walk able distance from my home
- BOB
- SBI
- BOI
- Union Bank of India ( Coming soon )

I am ok to maintain some minimum balance or even Debit Card (I will take EFT of PSU basket and recover from there 😁 )

I have the below accounts as on Today
Hdfc - Salary
Icici - Home loan EMI ,INVESTMENTS ( LIC , Equity,MF Sip)
Kotak Bank 811 super saver - Daily expenses (UPI , Credit card bill payment, Utility bill payment,Petrol ,General Expenses)

As i am not having a PSU I would like to open one which will also fullfil the above requirements also from the above list (having a branch nearby can always be a plus)

I'd suggest SBI over other PSU banks as most of ur work can be done through their netbanking and YONO app

 

[pinki]

I would like to open a PSU bank account for below Banking requirements
1.Secondary UPI Account
2. Parking some Emergency fund through FD and might take OD Against Fd if required ( All process thru app )
3.Debit card with reward points for Credit card Bill payments.
4.Better Loan ROI offerings for future requirements

I have below branches within 5-7 mins walk able distance from my home
- BOB
- SBI
- BOI
- Union Bank of India ( Coming soon )

I am ok to maintain some minimum balance or even Debit Card (I will take EFT of PSU basket and recover from there 😁 )

I have the below accounts as on Today
Hdfc - Salary
Icici - Home loan EMI ,INVESTMENTS ( LIC , Equity,MF Sip)
Kotak Bank 811 super saver - Daily expenses (UPI , Credit card bill payment, Utility bill payment,Petrol ,General Expenses)

As i am not having a PSU I would like to open one which will also fullfil the above requirements also from the above list (having a branch nearby can always be a plus)

Lunch ke bad ana bank is atleast better among others.
Based on personal experience 🙂
After visiting multiple times before lunch.

 

[0xpratyush]

I would suggest to go with BOB , get BOB super or professional account, get rupay select dc, bob easemytrip rupay plat. App is trash but most things can be done by UPI.

SBI is okay but 0 benefits.

 

[girish3456]

I would like to open a PSU bank account for below Banking requirements
1.Secondary UPI Account
2. Parking some Emergency fund through FD and might take OD Against Fd if required ( All process thru app )
3.Debit card with reward points for Credit card Bill payments.
4.Better Loan ROI offerings for future requirements

I have below branches within 5-7 mins walk able distance from my home
- BOB
- SBI
- BOI
- Union Bank of India ( Coming soon )

I am ok to maintain some minimum balance or even Debit Card (I will take EFT of PSU basket and recover from there 😁 )

I have the below accounts as on Today
Hdfc - Salary
Icici - Home loan EMI ,INVESTMENTS ( LIC , Equity,MF Sip)
Kotak Bank 811 super saver - Daily expenses (UPI , Credit card bill payment, Utility bill payment,Petrol ,General Expenses)

As i am not having a PSU I would like to open one which will also fullfil the above requirements also from the above list (having a branch nearby can always be a plus)

SBI from your options

 

[kjs]

Can you please share any good ETF of PSU Baskets?

Mirae asset and Nippon India have ETF's specific to PSU Banks

 

[leonneel]

Sbi and union.
My choice union.

 

[leonneel]

I would suggest to go with BOB , get BOB super or professional account, get rupay select dc, bob easemytrip rupay plat. App is trash but most things can be done by UPI.

SBI is okay but 0 benefits.

0.25% benefit on cc billpay isn't 0 benefit.

 

[fradela]

I would like to open a PSU bank account for below Banking requirements
1.Secondary UPI Account
2. Parking some Emergency fund through FD and might take OD Against Fd if required ( All process thru app )
3.Debit card with reward points for Credit card Bill payments.
4.Better Loan ROI offerings for future requirements

I have below branches within 5-7 mins walk able distance from my home
- BOB
- SBI
- BOI
- Union Bank of India ( Coming soon )

I am ok to maintain some minimum balance or even Debit Card (I will take EFT of PSU basket and recover from there 😁 )

I have the below accounts as on Today
Hdfc - Salary
Icici - Home loan EMI ,INVESTMENTS ( LIC , Equity,MF Sip)
Kotak Bank 811 super saver - Daily expenses (UPI , Credit card bill payment, Utility bill payment,Petrol ,General Expenses)

As i am not having a PSU I would like to open one which will also fullfil the above requirements also from the above list (having a branch nearby can always be a plus)

Go with Union Udaan account if you are eligible.

 

[SureShot]

Both BOB & Union provides good debit card benefits with reasonable fee.

Services are more or less same in all PSU's. Since it's reachable, you can get anything done offline.

 

[sid16]

IYD bank for a decent banking experience.

 

[fradela]

Go with Union Udaan account if you are eligible.

Maintain just 10K MAB. All services are free(SMS Alerts, IMPS/NEFT/RTGS, Cheque book). Eligible for RuPay Select card.
For the same account in BOB, you have to maintain 25L MAB. All are chargeable. Very worst bank in services.
SBI, no benefits.

 

[0xpratyush]

0.25% benefit on cc billpay isn't 0 benefit.

Yeah that can be one benefit but
There are so many cards with 1% or more,
RBL signature, indusind select visa and master,hdfc platinum,kotak 811 super, idfc dc. He is already having hdfc and kotak super.

so i didn't consider sbi for 0.25 % .

 

[0xpratyush]

Go with Union Udaan account if you are eligible.

This is also a good option.

 

[kjs]

This is also a good option.

I have completed my Engineering in 2011. Am i eligible as per the below ?

Registered practicing Individual professionals - Medical & para medical professionals, Engineers & Architects, CA/ACCA/ICWA/CFA/CFM/CS, Lawyers, Consultants, Other professionals including artists, photographers, event managers etc

 

[0xpratyush]

I have completed my Engineering in 2011. Am i eligible as per the below ?

Registered practicing Individual professionals - Medical & para medical professionals, Engineers & Architects, CA/ACCA/ICWA/CFA/CFM/CS, Lawyers, Consultants, Other professionals including artists, photographers, event managers etc

Yes till you are under the age of 40 you are eligible.

 

[kjs]

Yeah that can be one benefit but
There are so many cards with 1% or more,
RBL signature, indusind select visa and master,hdfc platinum,kotak 811 super, idfc dc. He is already having hdfc and kotak super.

so i didn't consider sbi for 0.25 % .

HDFC Platinum Debit card still offers 1 % cashback on Credit card payments ?

 

[6ix9ine]

HDFC Platinum Debit card still offers 1 % cashback on Credit card payments ?

Yes, if used at working portals.