The credit card is a type of loan. In which there is a certain amount of loan. You can not borrow more than the limit. A credit card is created by the bank. Which any bank account holder can make.

A credit card is a payment card that allows you to borrow money from a financial institution, up to a certain limit, to make purchases. Unlike a debit card, which deducts funds directly from your bank account, a credit card lets you make purchases on credit and pay back the borrowed amount over time, usually with interest.

When you use a credit card to make a purchase, you are essentially borrowing money from the card issuer (such as a bank or credit union). You will be required to repay the borrowed amount along with any interest charges and other fees associated with the card. If you don’t pay off the balance in full each month, the outstanding balance will accrue interest and you will be charged interest on that balance.

Credit cards are widely accepted around the world and offer a convenient and secure way to make purchases. They often come with rewards programs, such as cash back or points that can be redeemed for travel, merchandise, or other perks. However, it’s important to use credit cards responsibly and avoid carrying high balances or missing payments, as this can result in costly interest charges and damage to your credit score.

Credit card type How many types of credit card are?

There are several types of credit cards available, including:

1. Standard credit cards: These are the most common type of credit card and offer a standard credit limit and interest rate.
2. Rewards credit cards: These cards offer rewards, such as cash back, points, or miles, for purchases made on the card.
3. Balance transfer credit cards: These cards allow you to transfer a balance from another credit card to the new card, often with a lower interest rate.
4. Secured credit cards: These cards require a security deposit, which is used as collateral for the credit limit. They are often used by people with limited credit history or poor credit scores.
5. Business credit cards: These cards are designed for small business owners and often offer rewards and perks tailored to business expenses.
6. Student credit cards: These cards are designed for students and often offer lower credit limits and rewards tailored to student expenses.
7. Premium or luxury credit cards: These cards offer high credit limits and exclusive perks, such as access to airport lounges, concierge services, and travel benefits. However, they often come with high annual fees.

The advantages of using a credit card include:

1. Convenience: Credit cards offer a quick and easy way to make purchases, especially when shopping online or traveling.
2. Build credit history: Using a credit card responsibly and making on-time payments can help establish or improve your credit history and credit score.
3. Rewards: Many credit cards offer rewards programs, such as cash back, points, or miles, for purchases made on the card.
4. Protection: Credit cards offer protections against fraud, unauthorized charges, and billing errors.
5. Grace period: Credit cards offer a grace period between the purchase date and the due date, during which you can pay off the balance without accruing interest charges.
6. Emergency funding: In case of an emergency, having a credit card with a sufficient credit limit can provide a source of funds.
7. Travel benefits: Many credit cards offer travel benefits, such as travel insurance, rental car insurance, and airport lounge access.
8. Purchase protection: Some credit cards offer purchase protection, which covers eligible purchases against damage, theft, or loss for a certain period of time.
9. Build financial responsibility: Using a credit card responsibly can help build financial responsibility and discipline, as it requires regular payments and can help establish a budget.

It’s important to note that while there are advantages to using a credit card, it’s crucial to use them responsibly and avoid carrying high balances or missing payments, which can result in costly interest charges and damage to your credit score.

There are also some potential disadvantages to using a credit card, including:

1. Interest charges: If you carry a balance on your credit card, you will be charged interest on the outstanding balance, which can be high if you have a high-interest rate or carry a large balance.
2. Fees: Credit cards may come with fees, such as annual fees, late payment fees, balance transfer fees, and cash advance fees, which can add up and be costly.
3. Debt accumulation: It can be easy to accumulate debt with a credit card, especially if you don’t pay off the balance in full each month.
4. Credit score impact: If you miss payments or carry a high balance, it can negatively impact your credit score.
5. Fraud and identity theft: Credit cards can be vulnerable to fraud and identity theft, which can be damaging both financially and to your credit score.
6. Temptation to overspend: Having access to credit can make it tempting to overspend, especially with rewards programs and promotional offers.

It’s important to use credit cards responsibly and carefully, keeping in mind these potential disadvantages and taking steps to avoid them, such as paying off balances in full each month, avoiding unnecessary fees, and monitoring for fraudulent activity.

Here are some tips on how to use a credit card responsibly:

1. Create a budget: Set a budget for how much you can afford to spend each month and stick to it. Make sure to include your credit card payments in your budget.
2. Pay your balance in full: Try to pay off your credit card balance in full each month to avoid accruing interest charges.
3. Use credit cards for necessary expenses: Only use your credit card for necessary expenses, such as groceries, gas, or bills. Avoid using it for frivolous purchases or impulse buys.
4. Monitor your account: Regularly monitor your credit card account to keep track of your spending and to check for any unauthorized charges or errors.
5. Avoid cash advances: Cash advances on credit cards can come with high fees and interest charges, so it’s best to avoid them unless absolutely necessary.
6. Avoid carrying a high balance: Try to keep your credit card balance as low as possible to avoid accruing interest charges and to help maintain a good credit score.
7. Pay on time: Always make your credit card payments on time to avoid late fees and to maintain a good credit score.
8. Use rewards wisely: If your credit card offers rewards, make sure to use them wisely and to take advantage of any cash back, points, or miles that can help offset the cost of necessary expenses.

By following these tips and using your credit card responsibly, you can take advantage of the benefits of credit cards while avoiding potential pitfalls.

Do you know what are the sarkari bank (Government bank list) in India and What is the name of these Nationalize bank (Sarkari bank List) – Govenment bank list

Today, I am sharing knowledge about Sarkari Bank (Public Sector bank) and I am also sharing the difference between Sarkari bank (Public Sector bank) and Private Bank. There is only one central bank which is known as Reserve Bank of India and its headquarter in Mumbai. All Sarkari bank (सरकारी बैंक) regulated under RBI (Reserve bank of India) So, it is called bankers of the bank.

Here, I am sharing important knowledge about sarkari bank:

1. What are the sarkari bank (Nationalize bank) – सरकारी बैंक कौन कौन से है
2. Sarkari bank list (Nationalize bank) – सरकारी बैंक के नाम क्या क्या है
3. Private Bank list – निजी बैंक के नाम क्या क्या है
4. Difference between Sarkari bank (Nationalize bank) and Private bank – सरकारी बैंक(Sarkari bank) और प्राइवेट बैंक(Private bank) में अन्तर क्या क्या है
5. When sarkari bank are nationalized – सरकारी बैंक का राष्ट्रीयकरण कब हुआ?

What are the sarkari bank (Public Sector bank) – सरकारी बैंक कौन कौन से है

Government sector banks (Sarkari banks) are those banks in which the majority stake is held by Government of India. So, these banks are called Public Sector bank (सार्वजनिक बैंक). This is the main reason to regulate public sector bank by the government.

Generally , Government has more than 50% share/equity stake.

पब्लिक सेक्टर बैंक वह बैंक हैं जिसमें शेयर का ज्यादातर हिस्सा सरकार के पास रहता है। आमतौर पर पब्लिक सेक्टर के बैंको में सरकार की 50% से ज्यादा की हिस्सेदारी रहती है। इसी कारण इन बैंको को आम बोल-चाल की भाषा में सरकारी बैंक (Sarkari bank) भी कहा जाता है

जैसे हम कह सकते हैं कि स्टेट बैंक ऑफ इंडिया, पब्लिक सेक्टर का बैंक है और उसके 58.87% हिस्से पर सरकार का नियंत्रण रहता है।

Sarkari bank List: सरकारी बैंक भारत में स्थित बैंकों को विभिन्न सरकारी विभागों के साथ संबद्ध बनाने वाली एक बैंक शाखा है। ये बैंक शाखाएं सरकारी क्षेत्र और ग्रामीण क्षेत्रों में बढ़ते असमंजस में संभवतः सबसे महत्वपूर्ण बैंक हैं। इनके बहुत से उद्देश्य होते हैं, जैसे सरकारी योजनाओं का प्रचार और संचार, समुदायों में आर्थिक विकास और लोन के माध्यम से उद्यमियों को सहायता प्रदान करना।

Sarkari bank List: सरकारी बैंक का मुख्य उद्देश्य नागरिकों को वित्तीय सेवाएं प्रदान करना होता है। ये बैंक अपने ग्राहकों को स्थायी एवं सामान्य जमा खाते, कर्ज एवं ऋण, शेयर, निवेश, बचत योजनाएं, पेंशन एवं आधार संबंधित सेवाएं आदि प्रदान करते हैं।

Sarkari bank List: सरकारी बैंक को सरकार द्वारा स्थापित किया जाता है जो इसके संचालन और निर्देशन का जिम्मा भी उठाती है। इन बैंकों के मंत्रालय से नियमित अंतराल में रिपोर्ट भेजी जाती है जो इनकी वित्तीय स्थिति और अन्य प्रशासनिक विषयों की जांच के लिए की जाती है।

Here , I am sharing Sarkari Bank List (Public Sector Bank List) and When SarkariBank established.  List of Banks in India

हम आपको सरकारी बैंक की सारणी दे रहे है।, Sarkari Bank List:

केंद्रीय वित्त मंत्री निर्मला सीतारमण ने 31-08-2019 को 10 राज्य-स्वामित्व वाले बैंकों के विलय की  घोषणा की, क्योंकि सरकार कर्ज के पहाड़ के नीचे संघर्ष कर रहे एक क्षेत्र को मजबूत करने और ऋण देने को बढ़ावा देने और आर्थिक विकास को पुनर्जीवित करने के लिए मजबूत बैलेंस शीट सुनिश्चित करने के लिए चलती है।

भारत में कई सरकारी बैंक हैं। निम्नलिखित हैं कुछ मुख्य सरकारी बैंकों के नाम: Sarkari bank List:

1. स्टेट बैंक ऑफ इंडिया (State Bank of India)
2. पंजाब नैशनल बैंक (Punjab National Bank)
3. केंद्रीय बैंक ऑफ इंडिया (Central Bank of India)
4. इंडियन बैंक (Indian Bank)
5. कोरपोरेशन बैंक (Corporation Bank)
6. यूनियन बैंक ऑफ इंडिया (Union Bank of India)
7. बैंक ऑफ बड़ौदा (Bank of Baroda)
8. बैंक ऑफ इंडिया (Bank of India)
9. सिंडिकेट बैंक (Syndicate Bank)
10. बैंक ऑफ महाराष्ट्र (Bank of Maharashtra)
11. विजया बैंक (Vijaya Bank)

इनके अलावा, भारत में कुछ और सरकारी बैंक हैं जैसे कि भारतीय ओवरसीज बैंक, डेना बैंक, अल्लाहाबाद बैंक आदि।

यहां उनके व्यवसाय के आकार के अवरोही क्रम में समामेलन के बाद Sarkari bank list सार्वजनिक क्षेत्र के बैंकों की सूची दी गई है:

विलय के बाद sarkari bank list निम्नलिखित है:

1. State Bank of India

2. PNB + OBC+ United Bank of India

3. Bank of Baroda (including Vijaya and Dena)

4. Canara Bank + Syndicate Bank

5. Union Bank + Andhra Bank + Corporation Bank

6. Bank of India

7. Indian Bank + Allahabad Bank

8. Central Bank of India

9. Indian Overseas Bank

10. UCO Bank

11. Bank of Maharashtra

12. Punjab & Sindh Bank

हम आपको सरकारी बैंक के स्थापना दिवस के बारे में भी जानकारी दे रहे है:

State Bank of India and it’s Associates banks:

State Bank of India (भारतीय स्टेट बैंक)
State Bank of Indore (Merger with SBI in 2010) स्टेट बैंक ऑफ इंदौर (2010 में एसबीआई के साथ विलय)
Saurashtra State Bank (merged with SBI in 2008) सौराष्ट्र स्टेट बैंक (2008 में एसबीआई के साथ विलय)

These associates banks are merged with SBI on 1st Oct 2017.
State Bank of Travancore (स्टेट बैंक ऑफ ट्रावनकोर)
State Bank of Patiala (स्टेट बैंक ऑफ पटियाला)
State Bank of Hyderabad (स्टेट बैंक ऑफ हैदराबाद)
State Bank of Mysore (स्टेट बैंक ऑफ मैसूर)
State Bank of Bikaner and Jaipur (स्टेट बैंक ऑफ बीकानेर एण्ड जयपुर)
State Bank of Bikaner (स्टेट बैंक ऑफ बीकानेर)
State Bank of Jaipur (स्टेट बैंक ऑफ जयपुर)

Private Bank List (निजी बैंक के नाम)

हम आपको Private Bank के स्थापना साल के बारे में भी जानकारी दे रहे है:

Differnce between Public Sector bank(Sarkari bank) and Private bank

सरकारी बैंक(Sarkari bank) और निजी बैंक(Private bank) में अन्तर क्या  क्या है?

You should have understood the post of government bank (Sarkari Bank) in India. This post is providing you information about Sarkari bank and the Sarkari bank list. If you do not understand anything or have some questions, you can comment here. We will try to answer your question shortly.

Purpose, Function, and Membership of AIIB – Asian Infrastructure Investment Bank

What is the full form of AIIB?

The full form of AIIB is Asian Infrastructure Investment Bank.

History of AIIB: Asian Infrastructure Investment Bank

AIIB History: Asian Infrastructure Investment Bank is an international financial institution Which aims to support the construction of infrastructure in the Asia-Pacific region. Bank was proposed by the Chinese government.

Established: January 16, 2016

Headquarters: Beijing, Chin

AIIB Members: 86 Members (as on 14th Oct 2018)

Chairman: Click here

official website:  https://www.aiib.org

The purpose of AIIB: Objective of the Asian Infrastructure Investment Bank

Objective & ambition of AIIB Bank: The main objective of AIIB bank is crediting in Asia and Oceania region. The aim of this Development Bank is to fund infrastructure projects in the Asian Pacific region, which will provide assistance to major projects related to infrastructure in Asian countries. Asia needs to build basic infrastructure in the field of traffic, energy, and telecommunication. AIIB will cooperate with other multilateral institutions, including the World Bank and the Asian Development Bank, and will give full support to the construction and development of this areas. The objective of establishing this bank is to strengthen the connectivity in the region so that economic and social development can be increased.

Its goal is to improve economic and social development in Asia region by investing in high quality, financially viable and environment-friendly infrastructure projects.

Role of AIIB

The Asian Infrastructure Investment Bank (AIIB) and China’s Belt and Road Initiative (BRI) at first glance appear to be two hands connected to the same body.

• Mandate, membership, governance, finance, and institutional set-up are explained by the Asian infrastructure investment bank’s.
• Asian infrastructure investment bank provides an analysis of similarities and differences between the AIIB (Asian Infrastructure Investment Bank) and other regional development banks and the World Bank.
• The Asian Infrastructure Investment Bank’s former council, Lichtenstein has given his unique expertise.
• In the last 2 years, AIIB’s (Asian Infrastructure Investment Bank) Coverage of operation of Financial Operations.

Function of AIIB

Provide finance for the infrastructure projects of developing countries in the Asian country.

Role of India in AIIB:

• India will be the second largest members of AIIB.
• Apart from this, there are good relations with our Asian countries which are in AIIB but are not China’s “best friends”.
• Therefore collectively, we have sufficient voting power in the board to face any action affecting Indian interests. purpose function and membership of AIIB

AIIB Member countries:

Afghanistan, Argentina, Australia, Austria, Azerbaijan, Bahrain, Bangladesh, Bolivia, Brazil, Brunei, Cambodia, Canada, Chile, China, Cyprus, Denmark, Ecuador, Egypt, Ethiopia, Fiji, Finland, France, Georgia, Germany, HongKong, Hungary, Iceland, India, Indonesia, Iran, Ireland, Israel, Italy, Jordan, Kazakhstan, SouthKorea, Kuwait, Kyrgyzstan, Laos, Luxembourg, Madagascar, Malaysia, Maldives, Malta, Mongolia, Myanmar, Nepal, Netherlands, NewZealand, Norway, Oman, Pakistan, Peru, Philippines, Poland, Portugal, Qatar, Russia, Samoa, Saudi Arabia, Singapore, South-Africa, Spain, SriLanka, Sudan, Sweden, Switzerland, Tajikistan, Thailand, Timor-Leste, Turkey, UnitedArabEmirates, UnitedKingdom, Uzbekistan, Vanuatu, Venezuela, Vietnam

Voting Rights of AIIB

• The authorized capital is 100 billion USD.
• China is ready to pay 50% of 100 billion.
• But China said that they do not want to be a ‘single majority shareholder’ and in the future, when they join new members, they gradually reduce Chinese shareholders.
• Shareholding should be decided on the adjusted gross domestic product for purchasing power parity (PPP).
• Accordingly, China is the largest and India is the second largest shareholder.
• Areas of investment: Energy, Education, Health, Transportation etc.
• Large shareholders of the bank: purpose function and membership of AIIB

AIIB (Asian Infrastructure Investment Bank) meeting:

• The first AIIB annual meeting of the Governors Board was held in Beijing, China in 2016.
• The second annual meeting of the governor’s board was held in Jeju, South Korea in 2017.
• Governors Board of Asian Infrastructure Investment Bank (AIIB) announced that the annual meeting was being held in Mumbai, India in June 2018.
• Moving out of Asia first time, the Asian Infrastructure Investment Bank (AIIB)’s Fourth Annual Meeting will be held in Luxembourg in July 2019. Luxemburg provides a leading international financial center and investment between Europe and Asia as well as the founding member of AIIB. purpose function and membership of AIIB

बंधन बैंक का इतिहास – History of Bandhan bank BFSL.

Bandhan Bank in india

बंधन बैंक लिमिटेड को 23 दिसंबर 2014 को बंधन फाइनेंशियल होल्डिंग्स लिमिटेड की पूर्ण स्वामित्व वाली सहायक कंपनी के रूप में शामिल किया गया था। बंधन को अप्रैल 2014 में एक सार्वभौमिक बैंक की स्थापना के लिए भारतीय रिजर्व बैंक (आरबीआई) की सैद्धांतिक मंजूरी मिली; बैंकिंग नियामक ने जून 2015 में अपनी अंतिम मंजूरी दे दी। संयोग से, कोलकाता के मुख्यालय बंधन स्वतंत्रता के बाद भारत के पूर्वी हिस्से में स्थापित होने वाला पहला बैंक है। Bandhan Bank BFSL

Bandhan Bank in india

बंधन बैंक कंपनी की जानकारी – Bandhan Bank BFSL Company Information.

Bandhan Bank in india

बंधन बैंक एक स्वामित्व कंपनी हैं। जो की Bandhan Financial Services Limited ( BFSL ) के नाम से जानी जाती हैं, यह भारत में सबसे बड़ा माइक्रो फाइनेंस संगठन हैं। इसके सार्वजनिक हिस्सेदारों में International Finance Corporation (IFC), Fortress Investment Group, Small Industries Development Bank of India (SIDBI), Caladium Investment Pvt. Ltd.(जो की GIC Special Investments Private Limited द्वारा संचालित की जाती हैं।) और अन्य कुछ व्यक्ति।

बंधन बैंक की पूंजी – Bandhan bank’s BFSL capital.

रिजर्व बैंक ऑफ़ इंडिया (RBI – Reserve Bank of India)  का लाइसेंसिंग नियम यह निर्धारित करता हैं कि एक नए बैंक के पास 500 करोड़ रुपये की पूंजी होनी चाहिए। बंधन बैंक ने 2,570 करोड़ रुपये के पूंजीगत आधार के साथ शुरुआत की और इसे 31 मार्च, 2017 तक बढ़ाकर 4,446 करोड़ कर दिया गया है।

बंधन बैंक का अध्यक्ष कौन हैं। – Who is the Chairman Of Bandhan Bank

बंधन बैंक के अध्यक्ष श्री हरुन राशिद खान हैं।जो की जवाहरलाल नेहरू विश्वविद्यालय से मास्टर ऑफ़ फ़िलॉसफ़ी और नर्ससी मोंजी इंस्टीट्यूट ऑफ मैनेजमेंट स्टडीज से पोस्ट ग्रेजुएट डिप्लोमा ऑफ़ मैनेजमेंट (PGDM) स्नातक हैं। श्री हरुन रसीद खान जुलाई 2016 में भारतीय रिजर्व बैंक के उप  गवर्नर  के रुुप में सेवानिवृत्त हुए। उनके बारे में अधिक जानने के लिए यह क्लिक करे।

बंधन बैंक का विजन – The Vision of Bandhan Bank BFSL

एक समावेशी और टिकाऊ तरीके से सभी के लिए सुविधाजनक और किफायती वित्तीय समाधानों के लिए एक विश्व स्तरीय बैंक बनना।

बंधन बैंक का लक्ष्य – The Mission of Bandhan Bank BFSL

हमारा लक्ष्य अपने ग्राहकों को एक विनम्र और जिम्मेदार तरीके से सुलभ, सरल, लागत प्रभावी और अभिनव वित्तीय समाधान प्रदान करना हैं

बंधन बैंक की जानकारी आपको कैसी लगी। ये हमें निचे कमेंट बॉक्स में जरूर बताए

India has a central bank. Whose name is the Reserve Bank of India? It is headquartered in Mumbai. All the banks come under the authority of this bank. The same bank is printed by Rupees.

Today we are giving you information on this main topic.

• What are the government bank
• Bank names
• Sarkari bank list
• Private bank list
• Difference between Government Bank and Private Bank

Who is the government bank

In the public bank (government bank) the share is with the government. Because of which it is a public bank. There are more government shares in the public bank. Because of which the government is the owner of these banks.
After the State Bank of India, the government is a bigger share in the big bank like Punjab National Bank (PNB). We are giving you the table of Sarkari bank list.

Bank names

We are giving you the list of both governmental names and private banks today.
sarkari bank list

Private bank list
There is no government share of these private banks. All of their shares are with the private company. Because of which private banks are.

Difference between Government Bank and Private Bank
1. Government bank is a public bank. Like sbi bank.
2. The private bank is in a private hand. So they are called private banks. E.g. icici bank, hdfc bank

3. Both banks offer similar facilities. Whenever a government bank means that the public bank gives you fewer benefits. The work is slow in these banks.

4. In private banks, the work is done instantly. You do any work. If you have to apply for the loan, the bank will help you to take loans. And gives full information about the loan.

5. As much as the Government has above the bank, you have to stand in line for the same length in the bank. E.g. sbi, pnb
6. This does not mean that the government bank is not correct. They also have advantages. You get the loan at low interest.

7. Your work in private banks is done all instantly. Lines do not have to be round. There is a line to deposit money or a line to take a loan. These are done immediately. The difference between the government bank and the private bank
1. Government bank is a public bank. Like sbi bank.
2. The private bank is in a private hand. So they are called private banks. E.g. icici bank, hdfc bank

3. Both banks offer similar facilities. Whenever a government bank means that the public bank gives you fewer benefits. The work is slow in these banks.

4. In private banks, the work is done instantly. You do any work. If you have to apply for the loan, the bank will help you to take loans. And gives full information about the loan.

5. As much as the Government has above the bank, you have to stand in line for the same length in the bank. E.g. sbi, pnb
6. This does not mean that the government bank is not correct. They also have advantages. You get the loan at low interest.

7. Your work in private banks is done all instantly. Lines do not have to be round. There is a line to deposit money or a line to take a loan. They work immediately.

This post should have understood the post of government bank in India. If you do not understand anything or have some questions, you can comment. We will answer your question.

Public sector banks – List of names of government banks

Public sector banks (government banks) have a large share of shares in such a bank with the government.
Like State Bank of India is a big bank. Which comes in the public sector bank. the government holds control over 58.87% of the government in this bank. Generally, public sector banks have more than 50% shares.

After the State Bank of India, Punjab National Bank is also a bigger share in bigger banks like

Public network
State Bank of Bikaner and Jaipur
State Bank of India
State Bank of Mysore
State Bank of Patiala
State Bank of Hyderabad
State Bank of Travancore

Nationalized banks – India’s largest bank List of banks of India

1. Allahabad Bank
2. Andhra Bank
3. Bank of India
4. Bank of Baroda
5. Bank of Maharashtra
6. Canara Bank
7. Central Bank of India
8. Corporation Bank
9. Dena Bank
10. Indian Bank
11. Indian Overseas Bank
Oriental Bank of Commerce
13. Punjab & Sindh Bank
14. Punjab National Bank
15. Syndicate Bank
16. UCO Bank
17. Union Bank of India
18. United Bank of India
19. Vijaya Bank

This is all the list of Indian Sarkari bank.

Other public sector banks
1. IDBI
2. Indian Female Bank

Private sector banks List of banks of India
Private sector bank (private sector bank) lives in the hands of its shareholders. Presently private sector banks are growing rapidly. Because the licensing process for private sector banks has been simplified since economic liberalization.

Private sector bank gives you more facility than Public sector banks.

For example, if you are going to open your account in SBI So all the work you have to do. And you have to stand in line too.

If you are going to open an account in HDFC, ICICI, then you do not have to do any hard work. Because you also fill out the account form for you. You talk respectfully.
This bank seems to be charged more. For this reason, this bank offers more facilities. If you want more facilities from the bank, then you go to the private bank, except government banks.

Private sector banks list 

I. ICICI Bank
2. Bandhan Bank
3. Catholic Syrian Bank
4. City Union Bank
5. Dhanlaxmi Bank
6. Yes Bank
7. DCB Bank
8. Equitas small Finance Bank
9. Federal Bank
10. HDFC Bank
11. Tamilnad Mercantile Bank Limited
12.Karnataka Bank
13. IndusInd Bank
14. Jammu and Kashmir Bank
15. Kotak Mahindra Bank
16. Karur Vysya Bank
17. Lakshmi Vilas Bank
18. Nainital Bank
19. RBL Bank
20. South Indian Bank
21. Axis Bank
22. U.P. Agro Corporation Bank List of banks of India
23. IDFC Bank