Murli ji,
I do agree with you. Citibank has no active customer base in most parts of India. It has branches only in large cities. And online reservation service is enjoyed by one and all. ICICI Bank, HDFC Bank, Axis Bank, SBI all has a vast branch net work. State bank though has largest branh network and customer base, but it fails on IT service. Its net banking service is cumbersome. I have practically used all the four banks listed above, but have found HDFC Bank as the most preferred bank. Even many of my clients also recommend this bank.
Regards.