I totally agree with you. IDBI Capital is the worst. Same thing applies to the whole of IDBI set up. I went to open a SB, Demat and Trading account with IDBI in Mysore Branch. In any other bank, all three would be done in a maximum of 10 days. But in IDBI, First I was told to open a SB account which took close to 15 days before I got everything in hand. The Demat account again took another 15 days. Later I was told that IDBI Bank doesnot offer Trading and that they have a tie up with IDBI Capital. I was referred to IDBI Capital. That guy took my signature in the application form and I didnt get any information on account opening even after 15 days. When I went to the office to check, he told I have signed on the photo! That stupid person didnt have sufficient idea to give me a call on the mobile number I had given. After this he told I should give a cheque for 10,000/- which I did. The cheque was promptly cleared in 3 days but my account was not set up even after 15 days. Again no info from their side. When I spoke to that guy again, he said the Cheque has bounced!. Oh!!! could it be worse? I asked him whether he is playing with me. Later I went to the Bank Manager and told him all the things that has happened. He assured me to look into it. Then I gave him the Bank Statement showing the Cheque clearance. I told him that I am not interested to continue with IDBI paisa builder ever again and told him to give me the refund. After about a week, my account was credited back Rs. 10,000/-. This pathetic service is what IDBI Paisabuilder is providing. Then I went to HDFC where everything was completed in a single week.