Now, you can visit your bank branch at the middle of the night to deposit money and get the funds credited to your account instantly. Banks have started opening unmanned electronic branches that will offer most of the banking services beyond the regular banking hours. ICICI Bank, the largest private sector lender in the country, has already set up 61 such branches across 33 cities. The popularity of this format has persuaded the bank to increase its electronic branch count to 100 by the end of March, 2014. Consider this: Around 60,000 new customers transact at the bank's existing electronic branches every month. Nearly a fifth of the customers transacting at electronic branches used the services after the regular banking hours and during Sundays and public holidays. In September, 2013 around 1.08 million transactions were carried out at ICICI Bank's electronic branches. "On an average an individual spends about nine to ten hours per day at work. This leaves him with limited time to attend to his routine needs, which includes day-to-day banking.
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