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The branches are worse. Staff rotates _constantly_. Most of the new ones don't know anything, including most straightforward things people go to branches for. Almost everyone from the tellers to the branch manager is mandated to upsell/cross-sell something or the other, and in the most non-transparent way possible (so that the right people get the commission). Need a bank locker? Jack up your savings account balance. Need a credit card? Get a unit-linked insurance plan, else don't waste our time. A couple of tellers will start calling random people to sell things (in direct violation of central bank rules).

I assure you, dealing with the staff at the bank is different ball game altogether.

I had to write 3 different "letters" (paper pen) to have a phone number typo (on their part) corrected.

Indian government's websites (eg: IRCTC train booking, exam registration portals) are worse IME.