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Ask HN: Best Indian bank?

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Ask HN: Best Indian bank?

#1
Criteria: • best-of-class Web UI/UX • outsourcing freelancer friendliness (how easy and fast are the transactions to/from offshore banks, lower processing fees etc) • great customer service (access via phone & twitter, 24 x 7 etc)

Also, list any caveat people need to know about before going with your choice.