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i gave an application for opening a dmat account with idbipaisa bulider dated 7/11/08.I still havent received it after 53 days.Even the managers make lame excuses.There is no interest shown when you complain in the customer care or higher officilasThey never follow up.You have to call them and Email them.i havent seen such a third class bank before>i regret that i have a savings account as well here which i plan to close in a few days.