I do have the same bitter experience in PSU like SBI in maintaining and transfering my PPF account from one sbi to another sbi, my appeals(written applications) are still pending with the branch manager for creditting my interest of more than six months while transfering, it has been pending since 3years, My telephone deposit(BSNL) money not yet given to me even after surrendering the line since 4years, my appeal is pending, I think out of 1200 million peoples of india about 1000million peoples are suffering from the bitter experience from either of the PSU employees. PSU employees show "I don't care" attitude, while the service from the private sector is very coordial and welcoming
