"its not that hdfc staff are god and sbi staff are junk. "
TBH, sbi staff is worse than railways. pls have accounts in both. try to compare how they treat you as a customer in their branch. you'll find hdfc staff as god in comparison with sbi staff. BTW, job security is governed by customer satisfaction, not simply because you cleared exam and interview(s). Pay to govt. employees is governed by pay commission is another matter. LOL, job satisfaction is probably least important to those demanding job security.