At present I have three saving accounts in three different banks. All the bank branches are within one kilometer area of my resident. All the branches where I have my saving accounts; are new branches opened in my area by respected banks.
When I had not a single account I wanted to open an account in every popular banks in India. But when I opened my first account in Bank of Baroda I realized it is easy to open an account but uneasy to manage. I closed my BoB account because it was away from my home, branch was always full of customers. This is not only me who wanted to open accounts in every bank there are many others.
When I was thinking to open saving accounts in all the banks I was unaware with the process of account opening and I had no enough documents. Many banks need an existing user in the same bank (branch?) for reference. So if you do not have someone who is already an account holder in that bank where you want to open an account, you will no be able to open an account even after all the documents are complete.
To apply for a telephone connection, an electricity connection, a bank account, a driving license you need a passport size photograph, an ID proof and an address proof. If you are a student you probably may not have address proof, there may be a home but on the name of your father. So it is not easy for most of the people to have an address proof. But if you can show the proof you are the son of your daddy as name on ration card and mentioned name on PAN Card, voter ID card then address proof will not be a problem.