Suggest me a PSU Bank for a decent Banking Experience.

[kjs]

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.

Biggest advantage of this account is Rupay Select Debit card , 0.1% concessions in loans from what I checked. Other benefits are similar to the other accounts that I hold.

 

[fradela]

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

Eligible. You're come under Engineer category.
2011 pass out means, you are around 35.
Crab this account before 40.

As of now, this is the best account among across PSUs.
You will get one physical and virtual RSDCs. Double benefits.

 

[kjs]

Eligible. You're come under Engineer category.
2011 pass out means, you are around 35.
Crab this account before 40.

As of now, this is the best account among across PSUs.
You will get one physical and virtual RSDCs. Double benefits.

I did not know this..

First of all i need to check the benefits of the Rupay Select Debit card as I am not much of a cashback/offers person.
You will get one physical and virtual RSDCs. Double benefits.

 

[fradela]

I did not know this..

First of all i need to check the benefits of the below.
You will get one physical and virtual RSDCs. Double benefits. I am not much cashback/offer person.

Recently I opened this account.
Same day I got passbook and physical RSDC.
After some days I applied Virtual RSDC via VYOM app.

 

[quino]

Same day I got passbook and physical RSDC.

they had instakit?

 

[prathameshrk]

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)

for your 4 conditions, I think SBI would meet all.

 

[fradela]

they had instakit?

Yes. Within same day they'll activate the card as well.