my cousin bro. went for a personal loan in "HDFC Bank Civil lines, Allahabad". I was there along with him. When we asked the procedure/eligibility for the personal loan, they said that (ladies in reception) they need to check, for this they took account numbers of both of us and after sometime they said "yes sir aapko loan mil sakta hai"...then one lady dialed one number and spoke to one guy over phone and explained the loan request to him. After that she handed over the phone to my cousin and asked to talk to him, my cousin explained him the whole story and after listening that call the person on the call asked to come to another building (above Indusind bank). When we reached there we were welcomed by one guy (approx 21 year old), he projected himself as a representative of PL dept. He was not able to talk properly in english, so we started talking to him in hindi. He took our acount no. and went for a check after 20 min he came back and came to a conclusion stating that "Aapka loan process nahi ho sakta, kyoki trasactions/balance bahut kam hai." When we asked 'is there any senior person, we could talk?...he said no...right now nobody is there...and I am only handling. That day we left, since we had no other option. Next day in morning we got a call from a person from HDFC, he said "the personal loan can be given and we need to go to meet him in the office" we again went there and the same story was again repeated. Again next day he called up and this he was ready to give personal loan to me instead of my cousin...

It appears that HDFC staff in Allahabad doesn't have any process awareness, are not able to communicate properly in english, ...