HDFC Bank Complaints & Reviews

i have been using hdfc cards, due to improper monthly statements i decided to close the card, i got a settlement of rs31000/- which i paid.
but now they say that the settlement is invalid and there is an outstanding of 40000/-in my account .
please give me a solution.
thank you adyar vikram

To HDFC Corporate,

Myself, P Mondal, from Tata Consultancy Services, Kolkata wanted to go for an equity based investment without life coverage at the end of February’ 2008 and for that reason I came across with one of your Investment agent “Jayanto Paul (+91-[protected])” of HDFC SLIC, CR Avenue, Kolkata. I wanted to simply do investing for Rs. 60000/- as a single premium in any sort of Equity Based Fund without Life Coverage. But, he insisted me to invest 25000/- in 3 years premium basis and described that policy as follows:

1. It would have almost no charge and 100% of the money would be invested in the market.
2. No Life Coverage will be there as per my requirement.
3. After 1 year, if I am not able to give the premium value, no problem will occur.
4. After 3 years, I can withdraw my full amount of money and no further premium will be needed to pay.
5. After doing the investment he will come to me with a form to be filled up by me for getting online statement.


I felt good about the offer, signed the forms, and gave him cheque. Afterwards, Mr. Jayanto Paul became totally vanished. When I tried to call him for bringing the IPIN forms to us (For any further clarification, you can talk to Mr. Sunil Kumar Singh ([protected]) and Mr. Gopala Ulisi ([protected]), they are also having almost same issues with Mr. Paul), he used either to not pick up my phone or make his phone switched off. For the last two months in the morning time he is committing to come in afternoon, in afternoon when I am calling him, he changes his commitment to come in the evening and in the night hours, he makes his mobile switched off. Finally we downloaded the Form from Internet and submitted to Salt Lake, Sector-I, HDFC SLIC, Kolkata Branch.

Whatever I have briefed above is not something serious. But, later I understood why he did not bring the forms to us to get online statement, when at the last week as a result of my submission of IPIN Form, I received the statements of my Policies. I became tremendously shocked with the details (Policy Number 11661989, every thing is fine with[protected]. Immediately I called the helpdesk and now I can conclude something about the policy as follows:

1. 60% of my Premium has been deducted as Admin Charges and only 40% of Premium is has been invested in market.
2. It is actually an Insurance Plan with life coverage.
3. After 3 years if I withdraw my money, 15% will be surrender charge.
4. Maturity period is 5 years, not 3 years.



Based on the entire incident above, I have the following doubts about your Fund’s Professionalism:

· Instead of repetitive request to Mr. Jayanto Paul for an investment with single premium in Equity Based Fund without Life Coverage, he made the investment, which not at all I meant for. Now, you should not ask me why did I not go through the document before signing the forms. If you say this, then HDFC SLIC does not have any difference with a CHEAT FUND. I have already LIC coverage of 25, 00, 000/-, so, why should I go for another LIC which will have coverage of only 1, 25, 00/-. Does it make any sense? I had some extra money, which I wanted to invest in market with HDFC SLIC in order to get higher returns. But, you see what I wanted and what happened. The whole matter reveals the fact that either your management instructs the agents to cheat the corporate peoples not bothering about the brand names or they do not educate well the agents before dealing with corporate world.
· At the time of investment, the Mr. Jayanto Paul told me the charge is almost nil, while after getting the statement I found it is 60% of the first Premium. I do not have any objection against your 60% admin charge and other condition not conveyed to me my Mr. Paul. But, if you are really one of the top rated mutual funds in India, then why do your agents hide the things before client?
· After getting the statement, I asked Mr. Paul to clarify the stuffs and as he was unable to do that, I requested him to forward the call to his Branch manger. But, instead of my request, Mr. Paul denied to do that. Then directly, I tried to call Branch Manager of Girish Park, HDFC SLIC, Mrs. S. Gyan[protected]. Nevertheless, I found talking to a Branch Manger of HDFC SLIC is nothing but of a hard luck. Several times, I called her but not for a single time she was available. In this week, at least I called her more than 20 times and not for a single time I found her over telephone. Whoever was picking up the phone after listening my name either cut the call or told me the absence of Mrs. S Gyan. So, being under HDFC Family, how much scope you provide to your clients to directly talk to your Top Level Management? If I would have been provided to talk with Branch Manager, I would not have raised the flag with this mail.
· I gave Mr. Paul one reference (My friend Mr. Amitava Choudhury of CADS INDIA, +91-[protected]) who wanted to go for long-term investment with a premium value of around 60, 000 to 70, 000 (Better you listen from him). But, after listening all those stuffs, I am sure he will be hardly interested to go for investment with HDFC SLIC, because, he will also be scared enough thinking about misusages of his policies. It is shame for any Investment Company that client called an agent for investing money and Company’s agent cannot reach to client because he has misused the referees’ policy. This CR Avenue, Kolkata Branch of SLIC is so non-professional that they cannot step to the right thing to get the business expanded tomorrow.


I am not sure, whether you will praise Mr. Paul for arranging an investment for Three Years rather that 1 year from me. But, Frankly speaking, I am expecting call from your management level (Not from Customer Care Executives) to explain me why all those unwanted things happened? Is the Brand Value of HDFC SLIC so cheap, that any time any employee of your company can customize and misuse it in his own manner? Moreover, how much you conscious to maintain your Worldwide reputation and Banner Name? I hope being a well-known and worldwide reputed company, you will do some needful in order to prevent the downward movement of HDFC SLIC’s customer satisfaction.


Thanks in advance,
Regards,
P Mondal

Account number : [protected]
Name : N Satish kumar


I had opened an account with your bank on last August 2008. For that I was provided with a ATM Card. Even though I asked for an International Debit card, I was provided only with that. Then, when I approached the branch, they said that the card was given to me was the Debit card. But recently I found that the card is just an ATM card and not a Debit card. Last week (17th Sep 2008) when I went to meet the Manager of the Branch, he promised that the Debit card will reach me in 4 working days and he got the signature from me also. Then I didn’t get any information on that so I visited the Branch yesterday (25th Sep 2008) to enquire about the same.

The way the Branch Manager and the other staff spoke to me was in a very rude way and it shouldn’t happen to anyone in near future. I was shocked to see those types of staff in a very respectable positions. So far whatever I had imagined about the HDFC Bank’s reputation was completely wrong. Because of the manner less behavior I took the form for closing the account and filled in all the details for closing the account. Your poor service was the only reason for this. After I came out of the Branch, around 7:30 I got a call from the Branch to my mobile number stating that my PIN number reached the Branch office and they asked me to come and collect it. Because of the mental agony and indigestible behavior of your staff, I couldn’t take any decision.

Today, once again I got a call from the Branch (called by Ms Latha and the phone number is[protected] around 4:45 and she asked me to come to the Branch and collect the Debit Card and the PIN. I replied that I had submitted the closing form on the previous day itself and the time is already 4:45 pm. For that she said no problem you can visit the branch and collect everything. So I went to the Branch at around 5:30pm. For more than 20 minutes I was not allowed inside the office. When I called up the same number from where I was called, no one is answering. But the watchman came and told me that nobody from the office called me at all. Finally as the Lady(Ms Latha) happens to come outside, I asked her why she called me and why they not letting me inside the office? She said that my account was closed by around 4:00 pm itself!
If they finalized to close my account, why they called me?

When these kind of things happens to a well educated, holding a good reputation in the city and heading a business worth 15 Crore turnover per year. I couldn’t even think about the poor citizen in this country. I know that you will not take any action against this.

I can open an account with any other Bank in this country. Soon you will realize the cost of losing an existing customer.

After seeing one branch in a big city like Coimbatore, I have decided that even other branches also will be like this.

Dear Sir

My Debit card captured in HDFC ATM Machine Malviya Nagar (New Delhi) on 5 Sep 08.I called up customer care number and HDFC Rep told me to block this card and apply for new card as bank is not responsible for any misuse of card (Usually if card is captured in ATM machine of same bank than bank assures that it will not be misused).I blocked the card and raised the request for new card on 5 Sep 08 at HDFC Bank Udyog Vihar Gurgoan.The bank rep told me raise the request for address change also as the address in HDFC bank record was not changed and assured me that you will receive card on the changed address in 7 working days.I waited for 7 days and again called the customer care number that I have not received my debit card ( I have received my PIN number on changed address on 13 Sep 08).They told me that card was sent on address (As per the earlier records of HDFC Database) so it was sent back to HQ.So the logged my Complaint no[protected] and assured me that I will receive my card in next 7 days at changed address and dispatched my debit card on 18 Sep 08 through Express IT courier AWB [protected].As per Customer care my address is updated in HDFC data base on 12 Sep 08, But when I called up the courier services to my surprise they told me that card is again sent on the same address so they can't deliver on new address without bank permission.I again spoken to customer care they again given me a new complaint number[protected] and with new promises.I have my salary account with HDFC only so I am facing a lot of problem.I have never expected such a irresponsible response from such a Big/Organized Financial Organization.

Thanks & Regards

Naresh Kumar

respected sir,
sir my name is umakant joshi. i am your credit card holder my credit card no is:-[protected] this is 2 nd request to you that i want stteatment of my credit card account immediatly..
you can send the stteatment on my email address ether on my followed residesial address...
add.:- C/O V A AUTI, PLOT NO. 13, RANJEET NAGAR, OPP CALDA CORNER, SHREYANAGAR, AURANGABAD...
And my email id :- [protected]@rediff.com
my contact no :- [protected].
my credit card no.:-[protected]

And i hope that this time you can take my request serriusly...

Hi,

I have been with HDFC Standard Life from August 2006 to May 2007 in your Gariahat Branch as a Sales Development Manager.

I have submitted a withdrawal form of Providend Fund in January 2008 with your Regional Office (Eastern Region), but till now the money has not been credited on the given Bank Account.


On this issue I have visited so many times to your Kolkata (Regional Office), but did not get any proper response from anybody.



My PF NO is: MAH/8163.


Kindly do the needful immediately




Thanks & Regards
Amit Kumar Jha
Kolkata
[protected].

Dear Sir,

Iam Preethi . My brother has been using the HDFC credit card . Now HDFC call me and torture me that I have to pay the amount cause my brother has used the card and he is not responding where as Iam no way related to it. Apart from that, they have been using very abusive language. Kindly Help me. Thank you!


Preethi

Hello,

By using your card, I have purchased one cordless phone and paid the full amount thru the check but I got the statement for the month of May including the EMI for cord less.
I wanted to clarify that I have not done any more transaction thru this card.

I have so many times talked to your customer care executive but I think they are not supposed to do the customer service.

Now I wanted to tell you that I have already send the request to cancel my card so please do the need full ASAP and request you check your data so that you came to know that I have already clear all the dues.

My card details are as follows:
Name: Mr. Prakash Narayan Nigam
Card Number: [protected]

Dear sir,

I really have a very worst experience with hdfc bank while closure of my saving bank account no[protected] in the name of shubhangi goswami, as my home branch in mathura, and i filed my application in kg marg cannought place delhi branch, and also i cleared my negative bal of 1000 rs while the time of closing by depositing the money than after 2 mths my account is not closed and i did so many calls to the executive who assist me in kg marg branch while closing the account, she said we checked mam its in process, and i still got msgs of nargative bal in my account by mobile banking, nothing facility was closed on the account. Plz if this site help me out in this so plz help me in this matter, i really want that rbi should take some step against such situation that come in front of the customer

Dear Sir
I am satya ranjan sahoo, bearing Employee Code CSO8821, working in the Bhubaneswar Main Branch(Branch Code-122), Iwas working CANI Te
am of HDFC Bank as a CSE, Iwas reporting to Mr.Rohit Pradhan (CASM-East, CANI Team).ihave resigned From My Present Position To Dt-05.10.2008, Prior to the Resignation Of 1 Month I have Informed to Mr Rohit Pradhan Regarding My Resignation.
i have submitted all form after got my name in Exit List which is received from HR Dept of HDFC Bank Ltd.i have submitted the form and Copy Of Resignation Letter To Mr.Rohit Prahan for settelmet of my provident Fund Dues, Presently Mr.Rohit Prahan is no more in the system.Again i have sent Copy Of Resignation Letter and PF Settelment Form To HDFC Bank Provident Fund Trust, to Corporate Office Of HDFC Bank Ltd since 12 Months Ago.In the Month of July 2008 i have gone to HDFC Bank Bhubaneswar Main Branch(Branch Code-122)and meet With Mr.Shivasis Dev, ASM(CANI-East)for Settelment of Provident Fund Dues, then Shivasis Sir has sent 1 mail to Mr.Nitesh Sinha(ASH, CANI)for setttelment of My Provident Fund Status, after sending the Mail Sivasis Sir has Told That Callme after 4-5 days, When i Was Called after 5 days Sivasis Sir has Told That You Deposit Rs.5000 in your Salary Account then Provident Fund Dues Can Be Setteled.This Was Happened on Month Of July-2008.But Till Now (Dt-25.09.2008) i am not get My Provident Fund Dues.

Regards
Satya Ranjan sahoo
Contact No[protected]/[protected]

I have applied for HDFC Bank Credit Card last year in Aug 2007.I haven't recd the credit card till date .The card issued to me was misused by someone else and bank is asking me to pay the due amount.Meanwhile the day card was used, i was in Lucknow and out of Mumbai on Official tour(Employee of Reliance) .I have valid proofs for that which also i have submitted to bank.I am fighting with Bank officials since last 1 year but haven't got any response from them.Since one year i am only getting one answer that it's under investigation.
can consumer court help me or any other agency where i can send a notice to bank and resolve the issue.
i am fed up of it .

Dear Sir / Madam,

My husband holds a credit card and savings a/c in hdfc bank, even we have hdfc mutual fund a/c.

My husband lost job 3 yrs back and still un-employed, bcoz of which we went into severe financial crises and not able to pay credit card payment. but we noticed the interest was tremendously increased bcoz of non-payment so we closed the card. And requested the concerned people that as & when we get any amt. we will be repaying..
but.. yeshwanth, kumar & Tilak who are following up for the payment have no sense of decency, they use very abused language and mocking and torture over phone. my husband is already undergoing treatment for depression from Spanda becoz of this disturbing calls.
I am working as secretary in HP and i appeal for your help. i really don't know whom to approach. we have 3 small kids all are below 10 yrs.
pls. reply and guide us.

This is reference to my Food Plus card no. [protected].

On 9th sept, I had reported about my lost card on the phonebanking no. My card was hotlisted on the same day. Sametime, i had requested for card replacement.Till now I haven't received any replacement card.

Twice I have been given complaint nos[protected] given on16/09/09 &[protected] given on 20/09/08). The reason for having two complaint nos is due to non-traceable of the earlier complaint no. given by the executive.

Again on 24/09/08, I had enquired about the same. They have send me an SMS, saying "will revert back in 48 hrs".

More than two weeks have passed, still the situation is remains to be pathetic. They are not able to update me the status. Suprised by the standard of services given by a reputed bank in India.

Surprised by the services rendered to their customers. Being a classic customer, it really amazes me. They have never bothered to revert back either through phone nor email.

I am seriously thinking of closing my account from this bank & move on to some other bank.

Rgds,

Pradeep

Hi,
This is in regards to the amount (70, 586.94 rs) debited from my Hdfc account by the HDFC credit card division. Without any intimation. I used to have a credit card of hdfc which I wanted to get canclled as i had to go outside India for a project for this I had made lot of calls to the call centre and send several mails also but no one got back to me. I had send the mails through my officail id. After sending so many mails and repeated phone calls I also stopped the follow up as I was very busy with my work. Than few days back i had called to check on the status of my cancelltion of credit card i spoke to a female named Simaran and she told me that my total outstanding is 68000 approx including the interests. I told her that it is not my fault and that the bank is putting in so much of interest charges and I will be paying only the principal amount, after somtime she agreed on the principal charges and told me that someone will come to my residence with the account clousre letter and I have to make a cash payment Rs19000 approx (The principal amount ). When I went to the bank on 26 Aug 2008 to withdraw the amount I was shocked to see that the Credit card division has blocked my 68000rs amount. and on 10 of Sep 2008 they have debited Rs70, 586 rs from my account. would appreciate if you can help me to get my whole amkount back. I have my full intentions to pay the principal amount only as from myside I tried my best to cancell the credit card but I did not get any response from the bank. Because of this and cheque of 11000 has been also dishonoured from my account. To support this I just have a copy of 1 email send to HDFC bank stating the names of the people I spoke to. My credit cards details are as follows:

Name - Ashish Sahni
Credit card - HDFC - [protected]
Mob # [protected]

I wrote this email to HDFC hoping for a solution. The complaint has been vividly described in it.

THIS IS REGARDING AN ISSUE RELEVANT TO A MISSING CHEQUE PAYMENT, AS QUOTED BY THE HDFC PHONE BANKING OFFICER MR. SANDEEP, WHO HAD ASKED ME TO PRODUCE PROOF OF PAYMENT FOR THE PREVIOUS MONTH (BILL DATE 9TH AUGUST 2008) STATEMENT. I HAD MADE A PAYMENT OF RS. 7908, WHICH WAS RETURNED ONCE FOR NO SIGNATURE, AND WHEN IT WAS PRESENTED AGAIN, IT WAS CLEARED AND DEBITED FROM MY SAVINGS ACCOUNT IN SBI. IN SPITE OF THIS, NOT ONLY IS THE PAYMENT APPEARING IN THE FOLLOWING STATEMENT(DATED 9TH SEPTEMBER 2008), BUT MR. SANDEEP CLAIMS THAT IT IS NOT APPEARING IN CARD ACCOUNT EITHER. I WAS ASKED TO GO TO THE CREDIT CARDS DIVISIONAL OFFICE IN NELSON MANICKAM ROAD, CHENNAI. I WAS ASKED TO MEET MS. INDHUMATHI (PH: 23744002, ON THE 2ND FLOOR)

I WAS ABLE TO RETRIEVE A PHOTOCOPY OF THE CHEQUE FROM SBI WITHIN 5 MINUTES, BUT YOUR HIGHLY IRRESPONSIBLE AND DISCOURTEOUS OFFICER MS. INDUMATHI MADE ME WAIT FOR ALMOST 1.5 HOURS ON 22ND SEPTEMEBR 2008 (THE ENTRY REGISTER CAN BE CHECKED, WHEREIN I HAVE COME IN AT 3 PM APPROX), AFTER WHICH ALSO SHE REFUSES TO MEET ME, SENDS WORD THROUGH A SECURITY GUARD TO LEAVE THE PREMISES AND CALL PHONE BANKING AGAIN?????????? I WOULD LIKE TO KNOW HOW EXACTLY ARE YOU PEOPLE TRAINED TO THROW YOUR CUSTOMERS FROM ONE END TO ANOTHER NED WITHOUT ANY COURTESY? THAT TOO FOR A FAULT YOU HAVE COMMITTED.

THIS IS SHEER STUPIDITY AND IRRESPONSIBILITY FROM YOUR END. THAT TOO FROM A BANK OF REPUTE LIKE HDFC. A NATIONALIZED BANK LIKE SBI MADE ME WAIT FOR LESS THAN 5 MINUTES TO RETRIEVE A COPY OF MY CHEQUE WHIHC HAS BEEN ATTACHED HEREWITH, BUT YOU PEOPLE, WHO CLAIM TO BE THE PINNACLE IN CUSTOMER SATISFACTION HAVE SHOWN PATHETIC SERVICE LEVELS THANKS TO THIS ISSUE!

PLS FIND ATTACHED WITH THIS EMAIL, A SCANNED COPY OF MY BANK STATEMENT, AND THE CHEQUE WHICH CLEARLY HAS YOUR STAMPS AND ALSO DROP BOX CODES. THIS SHOULD BE IMEDIATELY TAKEN INTO ACCOUNT AND ALL LATE FEES AND INTEREST SHOULD BE WAIVED OFF WITH IMMEDIATE EFFECT. I HOPE THIS ISSUE WILL BE SORTED OUT RIGHT NOW, AS I AM NOT INTERESTED ( AND MIGHT NOT RESIST) GOING TO A CONSUMER COURT TO TAKE THE BANK AND THE ABOVE MENTIONED EMPLOYEES TO TASK. I HAVE ENJOYED GOOD SERVICE AND RELATIONSHIP WITH HDFC TILL DATE, AND I DON;T WANT TO SPOIL IT THANKS TO THE IRRESPONSIBILITY OF ONE DISCOURTEOUS EMPLOYEE.

KINDLY GO THROUGH THE ATTACHMENT AND YOU MAY CALL ME ON [protected] OR[protected] FOR ANY CLARIFICATIONS.

DEEPLY DISSAPOINTED AND IRATED,

PRAMOD

Flag this message
Re: CR/2008-09/026476
Dear Sir

I Urgently Required NOC, Please Send Me E-Mail & Hot Copies & My PDC Also sends me By Post. Its Already 4 Months Over. Still I am not received My PDC & NOC.

Loan TRACK I Have, I am Not Asking Remove My Name To CIBIL REPORT.
Please Update Particular Loan Is Closed, ON 17/05/2008. to CIBIL REPORT because Again I checked CIBIL REPORT,...

23rd Sept-08

Dear Sir/Madam,

on 14th Sept-08, Rs.52, 000/- has been withdrawn from my HDFC s/b a/c which was i have informed to branch on 15th (very next day) by giving below complaint which will be resolved in a week time.

from Rs.52, 000/- till date bank has credited only Rs.17, 000/- from one party and informed for rest Rs.35, 000/- bank is following-up with two parties but both are not presented in the branch till date.

today i have informed branch officials Mr. Dogra & Amber to take the help of Police to contact both the parties to recover my money. they said bank is doing their work and don't know how much time it will take. this is not the reply from such a prestigeous private bank of India.

you are requested to kindly help me out from this problem

Thanks/Regards,

HEMANT PATEL
Cell # [protected]

The Branch Manager,
HDFC Bank,
R C Dutt Road, Alkapuri,
Baroda/Vadodara.

Dear Sir/Madam,

On 14/09/08 around 13.00, I have received 3 SMS on my brother's mobile-[protected] stating an amounts of Rs.18000/-, Rs.17000/- & Rs.17000/- have been debited to my s/b a/c-[protected] through THIRD PARTY FUND TRANSFER facility which I have not done.

Immediately I called your customer care officer on [protected] where Ms. Shivani attended me. I have requested here to block / lock my a/c as well as a/c's of opposite parties where my money has gone. She informed me that she has done NO FURTHER DEBIT option for all 4 s/b a/c's. I explained here whole situation. She has lodged my complaint & gave me complaint no-S53000070.

Infact, I want to inform you that since I have opted for FUND TRANSFER facility, I have not transferred any single rupee from this a/c except Rs.100/- and that too only to check whether this facility is activated or not.

Yesterday I visited RC Dutt Road / Alkapuri branch where I met with Mr. Amber who informed me that sufficient balance is lying in all the 3 a/c's to recover my money. He informed me that it will take some time (approx. 10 days) as all the 3 a/c's are out of Baroda (2 are of Chennai & 1 is of Mumbai). He told me that bank's branches of Chennai & Mumbai will called the party and take in writing that this fund transfer is not done by them & bymistake they have gone these money. Then after only bank will refund my money. I asked him if these parties would not give in writing OR not ready to refund the money then he told legal action / police complaint would be done by bank. I again asked him should I go for police complaint / FIR then he told me this would be done by bank, if needed and I would not be held responsible for any delay in this matter.

You are requested to please investigate this matter seriously and in-depth to know how my customer id & password has been disclosed when it was known to me only and not too my 1st holder ANSUYABEN NATUBHAI PATEL who is my mother.

Request to please expedite in this matter to arrange to refund my Rs.52, 000/-

KINDLY ACKNOWLEDGE THE RECEIPT

Thanks & Regards,

9, SHIRIJIDHAM SOCIETY,
RANESHWAR MAHADEV CHAR RASTA,
B/H or NR. HP PETROL PUMP,
VASNA ROAD, VADODARA-390015.

From: [protected]@hotmail.com
To: [protected]@irda.gov.in
CC: [protected]@hdfcinsurance.com
Subject: HDFC Standard Life Insurance Co. Ltd. Policy No. 00335480
Date: Mon, 25 Aug 2008 16:30:56 +0530



Sir,

With ref. to above i would ike to inform you that i was insurance agent of hdfc sli & at the time of traning our instructors told me that if somebody has to close his policy after 4 year's than the surrender value will be the amount deposit in 4 years along with some interest on the amount ...& the same we told to our clints ...& also i had take a policy ...for rs.60000.00 for 16 year.. on 2004 ...

and now i need fund in emmergency to manage the funds i requst hdfc sli to close my olicy & tel me the surrender value of my policy ...& the reply comes is as below...


Dear Mr. Sharma,

Thank you for choosing HDFC Standard Life Insurance Co. Ltd. as your life insurer.

We sincerely apologize for the delay in responding to your mail.

With regards to your email, we would like to inform you that under Endowment Assurance Plan the policy attains a minimum guaranteed surrender value on the completion of the policy being In-force for 3 years by regular payment of premiums. The guaranteed minimum surrender value will be 50% of the premiums paid subsequent to the first year premium less Rider premium and extra premium (if any).

However, if the investment conditions are favourable then the company may pay a significantly high discretionary surrender value over the minimum guaranteed surrender value. This special surrender value is subject to investment and expense experience of the company.
We hope the above clarifies your concern.

Please feel free to write to us for any further clarifications.

We assure you the best of our services always.

Warm Regards,

Jyothi Menon.R
Customer Service Officer
================================================================================...⇄
For any queries contact us in any of the following ways
Call us toll free on[protected]BSNL/MTNL) or[protected]Any phone)
Call us at local charges[protected]Non BSNL/MTNL)
Send us a call back request through SMS - service to 5676727.
Mail us at [protected]@hdfcinsurance.com or you may also visit our website www.hdfcinsurance.com



Sir,

see iam unable to understand that why thay cant tell the agent's ..as well as the customer .so that these kind of policy we cant buy & is this type of service is correct ...

being a controlling office you should instruct the insurance co. to pls provide all the details in advance...so that a customer will not loose their money...

pls look into this matter as insurance co's are missguiding to the customers... pls stop this ...


wbr/vitesh

I booked a ticket from HDFC bank credit card from Indian Airlines for Mumbai-Muscat-Mumbai, I had to cancel the return ticket from Muscat- Mumbai. Indian Airlines transferred the refund amount to my HDFC bank credit card account. But to my disappointment the amount has still not got credit to my HDFC bank credit card account. When I called up HDFC bank for detail they flatly say that there has not been any credit in my Account.

respected sir,
My son Mr. amit naik have submitted application for P.F. withdrawal on march 2008 at navsari branch.at present he is in Newzeland for higher study. but till now we had not received any answer from the P.F office.The detail of my son is as follow. name, designation : Mr. AMIT NAIK SALES DEVELOPMENT MANAGER PAN : AEFPN3513C
Emp code & P.F no. : 11226
Location : navsari
HDFC BANK NAVSARI (A/C. NO.) :- [protected]
Please do the needfull and oblige us
With regards,

Mahesh naik
[protected]