How to open sbi saving bank account in hyd?

HI to all.i want to open a saving account in sbi bank. But I dont know procedure.my friends told me that u should know atleast one account holder in that branch. And what are the required documents? I should need check book also. How long it will take to come? How can I open without surety ? Please tell me. Dont say ask in bank !

I had taken a personal loan from a pvt bank 10 years back?

I have paid a considerable amount back , I got married 5 years back and since my husband has a transferable job I had to leave my job and so could not pay the balance loan amount,plus I husband is unaware of this loan. Now the recovery agents have got my mobile number and are asking me to pay , I am in no situation to repay the loan amount .what can I do in this situation ? I am desperate .

Why MF agent always insist on NFO?

When I went to a leading Pvt sector bank, they first offered me on ULIP & then a NFO of Mutual Fund when I shown some interest in investing. Why banks & MF agent insist on NFO & not old trusted funds.