[Sam Kapasi]

I agree. What HSBC and Citibank have on their side are fancy international offices, staff all nicely dressed, everyone nicely spoken.
SBI has no such luxuries. But perhaps can be far more professional bankers than all these guys put together. It's a government bank and this bank's progress is India's progress. Remember not only do they handle you and I, but also the pay in accounts, provident fund accounts, pension accounts and what not. They handle the defense (Army, navy, AF) accounts. Tax accounts to the government and I am sure much much more (my knowledge is limited)

I'd rather take my loan from a bank that handles the foundational finance of my country than some foreign bank that's doing me a favour.