The website UI haven't seen updated since 2000s.So much of the functionality is disabled, for eg I just got the message "We are not able to update KYC details through online SBI. Please visit branch for KYC Updation".What is the point in showing the option is the website then?You can't even update your own address or mobile number through the website.Instead of using an OTP or an Authenticator app, they require you to send a message from a SIM on your phone, and if you're an NRI roaming internationally you can't do this without using expensive international roaming packages which is completely unnecessary in this day and age for people who has internet access.
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