HDFC is having limited free transactions monthly after that they will charge a fee for every transaction. The customer: employee ratio is low. For example, you have to wait for your transaction in most of the branches. Its age is below 25 years( as it started in 1994) but it is the second highest in asset size among Indian banks. The branches are very low but the ATM centers are moderate(more than 3, 251 branches and 11, 177 ATMs in 2022 cities in India).