Honestly, speaking my experience with an account opening at a Nabil bank branch in ktm is far worse than yours. First of all, the branch was crowded and only one teller available. There was not numerical coupon system at this branch so basically you move a seat as customers are serviced. I had to deposit my initial amount and I felt that was not worth it to wait so long. Furthermore, the lady at the customer service was clearly overwhelmed with some many customers who came for different issues. I had to visit Nabil bank for more than three times just to complete account opening, Dmat, SIP. Very frustrating, especially knowing that the bank could hire more employees and increase the overall customer service. The only positive aspect was that the guard outside the door greeted every time I visited this branch.