"One day very sure it will sink" I think you know very little about banking. Please see the news on 23June about the response to this issue. I think investors are a little smarter than you. This much money put in... Large & small investors are not fools!
Further, retail banking is only a part of the business.
Meanwhile, please go to Citibank to open an account... They'll ask for a minimum 1lac deposit. Or go to nationalized bank, you know what you'll get there. Or try HDFC / UTI / IDBI etc... they come with their own set of problems! Find what suits you best, instead of cribbing!
