Absolutely right every body shouls take loan from a PSU bank.I have learnt one lesson though bitterly that if a office is very swanky with AC running full speed good looking receptionist and customer care executive sitting with Lap top to sort out problems BEWARE !!!!!! never ever take loans from these banks because they will promise moon but dump you in the dung in case you open your mouth.I had a very bad experience with ABN AMRO bank they milked my home loan account @ 13.5% lost my society membership certificate this too without informing me they acted in the most unprofessional.Everybody in the bank gives a very sweet smile as if the moment you explain your problem to them everything would be sorted out but the end result is ZERO always!!!!you have to go to bank end number of times and start the same story / explanation to a new Customer care executive.Thank God I have made a wise choice and shifted my Home Loan to punjab National Bank.