[Resolved] HDFC Bank — >ach charges | |||
I have a hdfc salary account. Few months back my account balance was "0". At that time i transferred 1500 to my account. At the same time it was deducted all the amount. Then i check my previous deductions on the same issue. The total deductions from last one year is 7, 198/-. After searched in online, read some complaints in this same website, the are charging because of my automatic sip's for my mutual funds. My sip was 1000 rupees per month, you know how much hdfc will charge for this mutual fund transaction... 590 rupees per month... Yes they charged 885 sometimes also. For my entire year, total deductions for just transaction charges = 7, 198. A 30k salary guy like me, will lose 2% of their salary without intimation. How fare is this.??? The sad thing is i didn't informed on this charges through mail or call. Who will do a mutual fund savings 1000 rupees per month costs 590 as a transaction charge... As a bank, it's your duty to inform me before deducting any thing from my account. You lost the trust. Who are reading this, please inform your peers about this, so that they can check their hdfc accounts and save their hard earned money. Was this information helpful? | |||
Dec 25, 2019 Complaint marked as Resolved HDFC Bank customer support has been notified about the posted complaint. Verified Support Nov 13, 2019 HDFC Bank Customer Care's response Dear Customer, We have checked our records and confirm that the charges levied to your account pertains to ECS debit returns. In terms of Clearing guidelines, issued by RBI, the clear funds balance available in the account at the beginning of the day would be considered for the purpose of ECS(s) received in clearing. We note that in your said account, the clear funds balance at the time of presentation of the said ECS(s), was not sufficient to cover the ECS(s) received in clearing. Therefore the ECS(s) was returned due to insufficient funds and the corresponding charges for ECS(s) dishonor were levied to your account. Kindly note that these charges attract GST as applicable. We advise you to maintain sufficient clear funds balance in the account in the future, at the time of issuance of the ECS(s), to avoid the ECS(s) return charges being levied to your account. Kindly refer to our website: www.hdfcbank.com for schedule of fees and charges applicable. -Nadia HDFC Bank Customer Assistance | |||
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