HDFC Bank — Documentation Process

Recently I approached my home branch for adding names into my existing account. The names to be added are already HDFC bank customers and have their Cust Id with proper KYC in place which was completed within the past year.

I was asked to submit the application form, which i believe is legitimate, but I was also asked to sign the ADHAAR declaration form (which was already submitted during the re-kyc done recently), additionally, i had to sign the FATCA forms once again despite the fact that the earlier KYC process already included the FATCA form.
ADDITIONALLY, I was asked to write a separate covering letter for each of the accounts (I had 5 family accounts in which the names were to be added)

I believe that if the central system has a Cust Id which is upto date with all requirements, the customer should not be troubled with repeat processes - which defy the very concept of centralised Cust Id system.

In addition, the net banking has a feature (link) to update email ids - but is non functional.

The Netbanking also has a feature to modify nominee, but the existing nominee details are not updated / displayed.

I think there are LOTS of suggestions that can be consolidated into a much better and robust system, with benefit for user friendliness for customers and ease of operations for bank staff. If someone can get in touch with me, I can give a host of suggestions that would enhance customer experience & satisfaction.