Actually, these PSU banks are least interest in 3 in 1 customers. I have communicated with Bank of Baroda. In Nagpur, there is no branch to cater this product, the staff in the present branches is unaware about the product and they are not responding also. They simply say "I don't know you go to somebody else." and this Somebody else is not available anywhere in the branch or other branches. But the customer care sitting in Mumbai is very cooperative. But when it comes to physically submit the application no body in Nagpur is ready to accept the things.