Are PSU banks improving their digital services and profitability? Should we still judge them based on past issues? Is the value gap between them and private banks actually closing, or am I missing something?

With my past issues with government banks (delays in basic services), should I prioritize better service quality and digital convenience over slightly lower loan rates? Or do the long-term benefits of being a long-standing customer with a PSU bank still outweigh the service challenges I've personally faced?