First of all not sure why SBI is wasting money by having ATMs like this which are most of the time out of service or out of cash. Why there are adding debits in balance sheet by paying rent, running ACs to keep machine cool which is out of service most of the time. Instead of charging penalty to their customers by showing regulations for not maintaining minimum balance, if experience on such non helping services are controlled, then benefits can be passed to customers and no there would be no need to reduce interest rates on saving accounts. Very frustrating operational approach of biggest government bank.