Need review on Indian Bank

[tuhin]

Does it provide daily balance alerts or customizable account balance alerts ? Are there frequest issues with SBI UPI services ?

How is the mobile banking app when compared with other PSU like Union , BOB , BOI ?

What I observed (though I didn't experience it yet), overall digital facilities are better than BOB/UNION/BOI.

In my opinion TCS B@NCS based banks like SBI/IDFC/INDIAN BANK are having better digital facilities than Infosys Finacle based banks except ICICI/Axis etc.

 

[noobdipesh]

Branch Service quality

In PSU, Branch experience is completely dependent on the Branch executive and specifically the BM. It's true for all PSUs.

For an example, I hold a credit card with Indian Bank and last BM was good (for a PSU Bank) and I was considering opening our firm current account there just because of their service but then the BM changed, and now the service is worst.

 

[iSayyed]

Does it provide daily balance alerts or customizable account balance alerts ?

Yes they do

Are there frequest issues with SBI UPI services ?

Only face issues when there is a nationwide server problem. This happens quite often nowadays.

How is the mobile banking app when compared with other PSU like Union , BOB , BOI ?

I don't use those accounts, so I'm unable to comment on them.

 

[kjs]

Yes they do

Only face issues when there is a nationwide server problem. This happens quite often nowadays.

I don't use those accounts, so I'm unable to comment on them.

are the transactions sms delayed like BOB ?

 

[iSayyed]

are the transactions sms delayed like BOB ?

Nope so far i witnessed instant sms from SBI

 

[kjs]

Nope so far i witnessed instant sms from SBI

Thank You for assistance. Really appreciate members in the forum are always helpful

 

[damn]

Hi,

I need your review on Indian Bank service as I found their netbanking portal is looking better than other PSBs like BoB or PNB etc:

1. Branch Service quality
2. Overall server availability
3. UPI failures/UPI availability
4. Service charges
5. SMS alert/Email alert
6. Service requests TAT/Complain resolving

Thanks

1. Depends on your location

2. Generally available, though sometimes goes down out of the blue; however that is rare and happens at late night or early morning

3. Works well, but there is a per transaction limit over the per day limit; I assume it is 25k

4. Maybe for debit cards

5. Works

6. Depends; credit card team is useless, while the normal banking team is reliable compared to it; tat depends on request type; for example, application for a debit card is processed immediately, you just have to wait for delivery

They update credit score against loan products on time and accurately too; their credit card application is very smooth and straightforward compared to others, letting you know if you are eligible or not

But at the end of the day, it is still a PSU; some issues may happen which no one can give you feedback for; psu are good as long as nothing breaks; if something breaks, all comes down on how lucky you are

 

[iSayyed]

Thank You for assistance. Really appreciate members in the forum are always helpful

You're welcome bhai!

 

[ritwik2000]

What I observed (though I didn't experience it yet), overall digital facilities are better than BOB/UNION/BOI.

In my opinion TCS B@NCS based banks like SBI/IDFC/INDIAN BANK are having better digital facilities than Infosys Finacle based banks except ICICI/Axis etc.

Axis is a chutiya bank but banking services are top notch. Never faced a UPI Downtime. App always works as intended.

The app of Indian Bank and Central Bank of India is developed by TCS and it's shit. Dont work half of the time.

In respect to that banks like Canara and Yes bank uses Oracle FlexCube. Never faced an issue with them.