Best customer service for home loan

I have 2 questions. (1) which bank in india provides the best customer service for home loan ? (2) could you please tell the home loan interest rate (fixed rate) of HDFC and ICICI bank ? And finally , let me know the the name of the bank which provides the best customer service after taking a loan. please tell me the fixed rate not the floating rate . However, very surprisingly , HDFC bank did not reply me on a query (sent by email) i asked to open a new savings account ......i doubt how much they will be aggressive to serve for post home loan. do they have any active 24x7 customer service ? how do you get response from them ? any do they cover any life insurance ? if i die in my loan payment tenure ...will my family suffer ?

I am not looking for the low interest rate . I am ready to pay more provided if i get the best service from them. I'll not go for public sector bank or organization , they are very poor in terms of service. I am looking at private sector banks who has the 24x7 customer service cell active.

HDFC home loans has the best service after you have taken the loan. The present floating rate is 9.25%.

What home loan tenure should i opt for?
HI, i have taken home loan of 17,37,000/- Rs. from HDFC bank, with initial tenure of 20 years. (i have paid only 1 emi till now, so it's fresh loan). Now i was just wondering whether tenure of 10 years or 20 years will be benifetial? i did some calculations in following way for the period of 20 years: if i go for tenure of 10 years: -------------------------------------------- emi = 24,921/- so i pay emi for first 10 years, and then i start investing full 24,921/- (in MF, eqquities, etc). so my returns after 20 years (from now) will be 49,80,000/- (compounding with investment of 24,921/- pm for 10 years with return 10% pa avg.) if i go for tenure of 20 years: -------------------------------------------- emi = 19,126/- so i will have 5874/- (i.e. 24921-19126) cash available in my hand pm.m for investment for 20 years so my returns after 20 years (from now) will be 42,19,000/- (compounding with investment of 5874/- pm for 20 years with return 10% pa avg.) so, in above way, i see that tenure of 10 years will be benificial for me. But still i am not considering income tax benefit, and also am i doing compounding calculations in correct manner? can anyone help me to analyze my calculations and point me to the correct decision?

The basic rule is to commit yourself to the lowest payment possible and then pay the most you can. Or that you will want to pay. If you get in to trouble, like losing a job, you would want the lowest payment possible to avoid defaulting. Borrowing against your home to invest is putting your home at risk, at market risk. I hope you have a good day job. The income tax benefit is a big part of the calculation so ignoring that is a fault and suggests you haven't thought it out all that well. You have to believe that you will make more money investing than the interest rates will cost you, including the tax benefit. Please note that right now in the US stocks are at a LOSS for the last 10 years. So you would be out the interest cost for the loan for 10 years if you did this 10 years ago here.