Dont know abt india , but uae NRI my god.
If we call them nobody rply , if lucky ur line will transfer to ten people and disconnect.
If u go to branch for closing acct , they will request for not to close , All employees are busy & heavly loaded with wrk.
They are still in 1940s , need to upgrade for all things which will take time for 20yrs.
Private banks are much much bttr anytime.