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I am an SBI SB account customer for 40 years., They approached me for demat account in 2015. I refused because of high brokerage. Remember SBICAPs, considering their huge SB accounts, they have the capacity to kill all broker houses, if considers discounting brokerage. Since, a PSU bank, despite having good brains in their management, they are not doing it. This is how BSNL/MTNL got killed. Though this cannot be compared with telecom companies, but, sure cannot progress much.