I have been using Icici bank (since 1995) and Hdfc bank (since 1993) – and am reasonably satisfied with them.
Icici bank seems to have better technology – I can do more things online with Icici bank, than I can do with Hdfc bank. For example if I sell shares through a broker (other than Icici direct and Hdfc securities respectively) I can give online delivery in Icici – but in case of Hdfc bank I will have to go to the bank to give delivery.
Now I am old fashioned – and prefer keeping my demat account with the bank, but prefer dealing with a broker who will give me an RM with access to a terminal. So I deal with a 3rd party broker.
Now comes the fun. If I have a problem with say Icici bank in giving delivery, and I call the call centre, it goes like this….
Other side: Please dial your 16 digit account number
for English dial 2
dial 4 for problems in demat account / credit card/ ..
forOTP dial 2
for re-sending OTP dial 3
dial your 15 digit bank account number
dial your 11 digit demat account number
by this time you have forgotten why you started diallng…
then you go to the branch…and the guy at the branch says “sir why don’t use our Customer Do not care number…
then you call again. It says “to enter dial…”
Ha, I forgot, I am a wealth customer, so Customer Service is good enough to call me
“Sir I am Prakassh Damle” your Service Manager
Wow I said..not bad
“Sir do you have any Service Related Issues
Oh yes “I am unable to give delivery of my demat shares”
Oh sir It is an Icici direct problem…not a bank issue sir
No. I have an icici bank demat account, I do not use Icici direct account.
Sir then how can Icici bank give delivery of shares?
Well Sir which platform do you use?
Me: I use Way to Wealth
Sir it must be W to W problem
No, I am not able to give delivery from Icici bank account
Sir we have only IPO possible..how can you sell shares from Icici bank website?
Me: Ask Icici bank to spend money on training please.
Phew. Thanks Icici bank
Comment: Icici bank technology is still superior to Hdfc bank.
IN Hdfc bank I can’t even do E-transfer.
What’s my choice RBI?
these are the best 2 banks I heard.
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