A complete mess! I tried to get an account with this bank and was told "you need a business". When I explained that my business was my own personal finances and didn't require any special permissions from the RBI, they said "oh, we won't take your personal loans" and refused to give me any further information. If I wanted to apply for a loan for a car, they would only accept a small sum for a month and a half, and I couldn't get any money back from them unless I sold the vehicle within that timeframe. Their website is poorly designed and the application process itself is so difficult that it's almost impossible to use. I'm still waiting for a reply from them regarding whether I qualify for a loan or not. My advice to anyone looking for finance: if you're lucky enough to find a bank that gives you a loan for your personal vehicle, DO NOT USE THIS ONE!