[Resolved]  HDFC Bank — hdfc - emi rtn charges


I have hdfc sal account and get personal loan from hdfc bank i paid every month emi 3120 but once i cant maintains balance in account that time bounce my emi and bank charge me bounce charges with taxes and after one month they charge me 236 re for emi rtn charges what is this charges and what is related this charge without massage hdfc alway problem complaint service and we not choice for other bank sal account
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Jun 2, 2018
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
May 02, 2018
HDFC Bank Customer Care's response
Dear Customer,

The EMI towards for the month of March 2018 towards your personal loan account had bounced due to insufficient funds. Hence the cheque bounce fee + applicable taxes were levied to your account. You may visit below url in order to know more about service charges on personal loan account: https://www.hdfcbank.com/personal/products/loans/personal-loan

HDFC Bank Customer Assistance
Complaint comments 


For September month in your side debited EMI RTN charge rs .236 in my salary HDFC bank.
Today I just checked my HDFC acc, and was surprised by seeing the deduction, I understand if there is any bounce payment then the bank will put the penalty charges, but there are two or three charges for the same month, which is absolutely incorrect, can any one please suggest me where should I get the details of all the transactions regarding my loan.
HDFC Bank is a big cheater. It deducts amount with no reason if you have its credit card and loan service. Please guys beware of these type of service providers. I have cheated many times. for this no satisfied customer service.
Sushil Kumar you are absolutely correct HDFC bank is big fraud they charge amount without any reason and their customer care sucks
What the hell why this bank playing with the customer with any notification they are cutting the customer amount this is going to be very hilarious.
For month of january u have debited 2 times of money without any msg on jan 8th 590 was debited and on Jan 27th 236rs for rtn from my account please resolve the problem
My emi amount is 4150, at the time of february emi deduction 4138 rs in my account. just 12 rs is shortage and I was credited the sufficient amount at the same day of deduction. But HDFC charged penalty of 590 rs. after 16 days they deducted emi rtn charge 238 rs .
I have a CD loan for which the amount will be auto debited every month but by mistake last month I was not having sufficient balance in my account so there was a penalty of rupees 500 for the last month but HDFC bank has deducted 236 rupees for EMI rtn charges without any intimation I just wanted to know what is this rtn charge? And will this be continued for every month?
I have paid all the emi amount and over due as well but still bank deducted rtn charges . Is hdfc froud ? Always deduct amount for some silly reason

I was facing the same issue. money got deducted twice, moreover i had to pay the penalty twice. inspite of me informing the bank of the situation. i had to pay 12825 to the bank account had 12800. after 15 min i added the remaining balanc, the same day in july 23 and i got penalty amount. on top of that in 5 september 2022 i had a cyber crime. money was debited. i informed the bank and paid the loan twice and ended up paying penalty again. and wiyth0 exception or reduction in the amt. so i paid 24 k that month. im sorry but HDFC bank is full of crooken people

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