My newest savings account was HDFC and it is my primary account. I’ll always trust/prefer the sector leader for large amount( more than 4L) of Fixed deposits( percentage wise it might be a small percentage of someone’s portfolio). They give 7.2% on deposit, I don’t think it’s conservative.
There is a craze of small finance Banks giving upto 9% interest. Don’t worry, just wait and watch, some of these small finance banks will go bankrupt then people will understand the value of sector leader.
We can leave penetration topic, it’s very subjective. It’s a long debate topic like is this penetration actually real or shallow.
Note: I’ll also prefer SBI but I hate their services.
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