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i don't think so... products are offered by the banks, almost same. if you have any doubt in it, please refer their website. so product wise, working environment wise, every thing is same through out India. but another point of view there is.. sbi handling government funds. hence it has huge amount of funds as deposits. so they are not in hurry to mobilize deposits. this is the only difference between sbi and other banks(including private and public sector banks).

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