You say people are using bank's money for their personal needs. I know a case where the bank has increased the minimum balance from 35k to 50k and without informing the customer they have deducted 1000 Rs. penalty for 8 months although the customer had 40k balance in account. What would you say for this? The Banks are no saints. They loot from customers whatever way possible. As long as customers do not enforce their rights, the banks will continue to exploit the gullible customers.