while i don't work for hdfc bank, trust me they are not the only one. everyone into distribution of personal financial products is an overzealous bugger who wants to sell me something I don't want to buy, is ill trained on the product they are offering, don't have answers to questions.. and i wish they had a repellant cream for them like odomos for mosquitos.
Made the mistake of applying to HDFC for a loan for some equipment for my operation theatre. After all the approvals were in place the officer had the audacity to tell me to buy some lesser spec equipment from another company!