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HDFC Bank Complaints & Reviews

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Updated: Dec 16, 2025
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2
25vinay
from Lucknow, Uttar Pradesh
Jan 3, 2018
Resolved
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Address: Lucknow, Uttar Pradesh, 226012
Website: www.hdfcbank.com

Dear sir, i would like to inform you that i have tried to call for our query related to credit card statement but there are nobody able to short out my issues.
I am calling to all the team of lucknow on the customer care no [protected] from today's morning at 10:15 am to 12:40 pm (Non stop) from my registered no and also from alternate no. But everyone is ending my call in middle without proper resolution, specially mr washi & ashmin, they told us that i am calling back to you on your registered no but still we are not getting any call from his/her side nor any resolutions.
In that case i will not pay any installment of my credit card, hdfc and his staff will be responsible for all those things, i have saved all recordings of hole activities from the morning to till only for proof.
Feb 24, 2018
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Jan 04, 2018
HDFC Bank Customer Care's response
Dear Customer,

We understand the inconvenience. Please write to [protected]@hdfcbank.com with your Card No, registered contact info & the issue. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

-Bejoy
HDFC Bank Customer Assistance
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    rahul12110
    from Jabalpur, Madhya Pradesh
    Jan 3, 2018
    Resolved
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    Resolved

    Address: Bhopal, Madhya Pradesh

    Myself rahul tiwari from bhopal. I hold credit card of hdfc bank. Due to my personal issue i could make a payment of two months. Before that i regularly paid amounts. I told them i will clear my dues on 3rd of this month but on second they holded my bank account with out prior information. I talked to them and said m ready to pay my dues but now they are saying clear full payment till that my account will be in hold. My father his hospitalise and i need money and m the customer of this bank since last 8 years.
    Kindly help me because bank is totally unfair in this matter.
    Regards
    Rahul tiwari
    Feb 11, 2018
    Complaint marked as Resolved 
    HDFC Bank customer support has been notified about the posted complaint.
    Verified Support
    Jan 03, 2018
    HDFC Bank Customer Care's response
    Dear Customer,

    we are fully sensitized to the comments expressed with regard to your credit card and the same is being reviewed as appropriate. You may look forward to receive a response to your e-mail id in 3 working days. We request you to bear with us in the interim. The reference number for this interaction is[protected].

    -Bejoy
    HDFC Bank Customer Assistance
    My account is in rajnandgaongaon chhattisgarh branch Hdfc bank
    From more than one hour i am sitting beside ur employe and employe is not in his table and i am unable to withdral my money itself.. i am ashamed of my self that i have opened my account in such a [censored] bank

    account hold due to non payment of minimum due - Comment #2963176 - Image #0
    Hi this is srinivas as my dad nagesh as dint have knowledge about credit card some sales men came and said some thing all an process for credit card my dad dont knw abt tat an more over bot interested to use credit card so please cancel his credit card
    Name Nagesh
    Ph no [protected]
    Application reference num [protected]S2
    My Edc machine TID No[protected]
    Location Muzaffarnagar

    Required EDC roll

    Please Arrange as soon as possible

    US Polo Muzaffarnagar
    [protected]
    Nitin tyagi
    Dear sir
    my name is krishna
    loan no[protected]
    sir mujhe mera loan clouse krana ha kam se kam m kroki main 8month se emi nhi de pa rha hu. mere father ka kidney failer ho gya in doran is liye sara loan account disturb ho gya ha ab mujhe clouse krana ha plz jitna kam se kam m settelment ho jaye to kr diziye
    thanks
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      V
      Vsskishore Kuchimanchi
      from Kota, Rajasthan
      Jan 3, 2018
      Resolved
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      Resolved

      Address: 500040

      No update till today.
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      Consumercomplaints.in › hdfc bank › hdfc bank — disapproval of credit card
      Hdfc bank — disapproval of credit card

      1 review
      Ki kishore kuchimanchi on dec 20, 2017
      Submit a complaint
      Iam kuchimanchi kishore, i applied for hdfc bank credit card on 29/11/17. On 1 dec i got reference no[protected]s3. After 3 days when i verified i got that my card was disapproved, though i got verification calls and physical verification also done. On 11 dec i got a call from hdfc bank he asked for my itr acknowledgment which is self attessted. He said if you submit this your card will be approved. Immediately i provided them the documents. On 15 dec i got a message that your application is in reprocess request and status will be communicated in 7days. Later 19th dec i received another msg stating that process is completed, chech site after 2 days. Today when i verified my stastus
      Disapproved. Stating in remarks they said disapproval of credit card application does not reflect your credit standing or your financial stability. I wasted my time but my card was rejected without valid reason. I want a valid and clear reason for my card disapproval according to rbi norms and i want my documents back or else i will file a complaint in consumer court.

      Kuchimanchi kishore
      App ref no;[protected]s3.
      Mob no;[protected]


      Complaint status
      [dec 20, 2017]
      Hdfc bank customer support has been notified about the posted complaint.
      Hdfc bank customer care's response, dec 21, 2017

      Dear customer,

      We have taken note of your comments expressed with regard to credit card and you may look forward to receive a response to the e-mail id in 03 working days. The reference number for this interaction is [protected].

      -manoj
      Hdfc bank customer assistance
      Complaint comments 0 comments updated: dec 21, 2017
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      Hdfc bank logo
      Hdfc bank
      Customer care service
      Customer satisfaction rating
      39
      %
      Complaints10379
      Pending2170
      Resolved3532
      Phone +91 22 6652 xxxx
      Website www.hdfcbank.com
      Location branch 542, trade world, a wing, ground floor, senapati bapat marg, lower parel, mumbai, maharashtra, india - 400013
      View full information


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      If you have an inquiry, or any constructive thoughts, creative ideas, and reasonable offers, please, contact us. No update till today.
      Feb 24, 2018
      Complaint marked as Resolved 
      HDFC Bank customer support has been notified about the posted complaint.
      Verified Support
      Jan 04, 2018
      HDFC Bank Customer Care's response
      Dear Customer,

      We understand the inconvenience. Please write to [protected]@hdfcbank.com with your Card Application No. & contact info. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

      -Bejoy
      HDFC Bank Customer Assistance
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        M
        Mathi Hari
        from Chennai, Tamil Nadu
        Jan 3, 2018
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        I have done transactions through payzapp bharat qr code for irctc ticket, as train cancelled they refunded money to payzapp account but it was not refunded to wallet of payzapp, even payzapp transaction history shows amount refund but it is not credited to wallet of payzapp. Please help me in this matter.

        Transaction details:
        Payment through payzapp bharat qr
        Booking date :[protected]
        No of tickets: 1
        Fare :295.99
        Total transaction : 295.99
        Irctc pnr : [protected]
        +2 photos
        HDFC Bank customer support has been notified about the posted complaint.
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          S
          saivino66
          from Chennai, Tamil Nadu
          Jan 3, 2018
          Resolved
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          Resolved

          Address: Chennai, Tamil Nadu, 600032

          Hello team,

          I have created the salary account in hdfc (July 2016), but my company not using hdfc account and credit my salary to other bank. I didn't use my hdfc account till now, today i thought of transfer money and start using the account, but they are asking 7047 rs for non maitanance charge. I really don't understand the concept, why should i pay this amount.

          I really feel bad about this. If i want to close this account also, they wanted this amount.

          This is not good for customers.
          Feb 11, 2018
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Jan 03, 2018
          Updated by saivino66
          Please help me to solve this problem.
          Verified Support
          Jan 03, 2018
          HDFC Bank Customer Care's response
          Dear Customer,

          I request you to share your complete issue, account details and registered contact details to [protected]@hdfcbank.com with ref ID-TTU[protected] in the subject line. Will assist you better.

          -Manoj
          HDFC Bank Customer Assistance
          Jan 08, 2018
          Updated by saivino66
          i have sent already. i didnt get any response.
          Verified Support
          Jan 10, 2018
          HDFC Bank Customer Care's response
          Dear Customer,

          Please share your Account details to assist you further.

          -Manoj
          HDFC Bank Customer Assistance
          Without any intimation, also I have not received any message also and they have debited 1180 rupees from account.
          I don't know why they are doing like this. When I called they are not giving clarification also. Please help me to get my money back.
          I get 1-2 calls from HDFC regarding Personal Loan requirement. I dont have any requirement and I will not have any requirement in the future. Can you please remove my number from your call center call list?
          ******2901

          I will have to go the file a law suit, if this doesnt get resolved immediately.
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            V
            Vijay Prakaash
            from Manjeri, Kerala
            Jan 3, 2018
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            Hdfc bank are the one who directed me to one assist but really this company is not taking any request and auto payment mode is activated in my credit card. When i asked for the hdfc bank help they are not responsible.

            I din't expect this irresponsible behaviour from hdfc

            I'm using hdfc credit card since last 4 year card number ending with 1*9. My account is activated with one assist mfee and charged amount 1399 rs with out my knowledge. I want to cancel the unauthorized plan against my card, and also credit my money in my credit card which you have deducted in my credit card account.

            Also this is unfair that you cannot deduct the amount from the credit card without prior notice through call/message.
            And hdfc bank also has to recheck this issue with the auto payment modes.

            This is the 2nd year i'm requesting again for the cancellation of this one assist plan. Please kindly take a notice and cancel the plan and repay my amount rs.1399 as soon as possible.

            So request you to please cancel this activation against my credit card, and refund my money also.

            Regards,
            Vijay prakaash
            HDFC Bank customer support has been notified about the posted complaint.
            When i click upi option after logging in the mobile banking it goes to "update device" where it shows my mobile no and asks for secret question and answer
            When i click the secret question nothing shows up. I could not not change the security question.

            one assist mfee - Comment #2962990 - Image #0
            If i had not register office contact details then why I getting calls on it. To all dept HR, Manager. Kindly stop immediately to call on office contact details.
            I had already paid 86 k and now again charges are charged and asking to make payment which is not correct. Request to wavier the charges.
            I bought new credit card and i input one time password and changing new pin ir was not accept then ia not understanding and iam not using my card in last few month our now I have forgot my Credit card PIN. So Please send me credit card PIN on my registered mobile no. or email ID.

            Thank you
            VENKATESH NETREKAR
            One sms received today[protected], stating that your smart EMI request processed for Rs. 1399, which I have never requested.
            If it is a mistake, please correct it and cancel the loan approval, to avoid further complications.
            My name: Saralaprasannan P P
            A/c branch: Marar Road, Thrissur
            I am a hdfc bank credit card holder. The bank has auto debited rs. 1399/- from my credit card number ending with 9942 without my concern on date:26/12/2017. I am not interested about this service. So cancel the membership and refund this debited amount of rs.1399/-
            Dear Customer

            Greetings from OneAssist...!

            We deeply regret the inconvenience cause to you. As per your request, we have cancelled your plan vide service request No. 2751684 & the refund will get processed in 7 working days.

            Should you require any further assistance, please reach us at [email protected] or 1800-123-3330.

            Regards

            Sagar

            (Team OneAssist)
            Hi sir my name is Anu ss I'am a army person I have my sbi personal l convert to hdfc bank but I all documents are submitted in your hdfc staff anita she is not attempt my call and they now ready to replace the documents pls considered and do the needful your pls request for information about your hdfc staff
            Dear Vijay,

            Greetings from OneAssist..!

            We deeply regret for the inconvenience caused to you & appreciate your patience.

            We are unable to find any details, requesting you to kindly mail us the customer ID or registered mobile number to [protected]@oneassist.in

            Should you require any further assistance, please reach us at[protected].

            Regards,

            Brijesh

            Team OneAssist
            "Dear Customer

            Greetings from OneAssist..!

            We deeply regret for the inconvenience caused to you & appreciate your patience.

            We are unable to find any details, requesting you to kindly mail us the customer ID or registered mobile number to [protected]@oneassist.in

            Should you require any further assistance, please reach us at[protected].

            Regards,

            Sagar

            Team OneAssist"
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              R
              Reshma Panicker
              from Hyderabad, Telangana
              Jan 3, 2018
              Resolved
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              Resolved

              I did an imps transaction and the status of the transaction is transaction statusprocessor down the money is debited from my account and not yet credited to beneficiary. I did the transaction on dec 29 2017 and i am logging complaint on 3 jan 2018 after waiting 4 working days the customer service is also not helping after insisting they logged a complaint but no action or update of it is received till now. The hdfc complaint number is your case has been registered under reference no. 6550517, hdfc bank
              Feb 3, 2018
              Complaint marked as Resolved 
              HDFC Bank customer support has been notified about the posted complaint.
              Verified Support
              Jan 03, 2018
              HDFC Bank Customer Care's response
              Dear Customer,

              We have received your complaint and matter is under investigation. Our team will update you within 3 working days.

              -Bejoy
              HDFC Bank Customer Assistance
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                A
                Asgharali79
                from Rewari, Haryana
                Jan 3, 2018
                Resolved
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                Resolved

                Address: 560045

                I'm continuously getting sms stating the

                "dear customer, reference no: hdfc[protected] issued to bse limited with value rs.50000.00 and frequency adho is received today for processing.in case of any issue please get in touch with your branch".

                Can you please look into this issue as high priority and let me know what should be preventive action i should take to avoid this kind sms.
                Feb 7, 2018
                Complaint marked as Resolved 
                HDFC Bank customer support has been notified about the posted complaint.
                Jan 01, 2018
                Vela b rabari's response
                Nathing buy any product
                Without notice payable peyment
                So plz cancel my creditcard life time
                Verified Support
                Jan 03, 2018
                HDFC Bank Customer Care's response
                Dear Customer,

                We're sorry to hear that. Please share the screenshot of the message you received with your contact info & the issue on [protected]@hdfcbank.com. Mention this Ref No.TTU[protected] in the subject of your mail so it'll help us track your e-mail.

                Anay,
                HDFC Customer Service Assistance.
                Plz subject problem
                My salary account closer
                LOOTING COMPANY!!!charging for checking balance from ATM... pathetic response from branch either.. going to switch all my fund's to any faithful bank..my account name: sindhoor
                Charge reference no. AOR[protected]

                continues sms from hdfc bank - Comment #2963118 - Image #0
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                  N
                  njain103
                  from Mumbai, Maharashtra
                  Jan 3, 2018
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                  I have sold shares of d. P wires on january 1, 2018 when sell price of share was 85.80 per share but contract note has been issued with sell price of 80.2 per share. This is really injustice and i'll have to lodge complaint with higher authories, if not resolved.

                  Request you to kindly thoroughly investigate the matter and resolve the same to the earliest.

                  Thanks
                  HDFC Securities customer support has been notified about the posted complaint.
                  execution is done from the exchange end and this is basis time and principle process.
                  Order details should reflect under order book.
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                    S
                    Sunildutt S Upadhyay
                    from Mumbai, Maharashtra
                    Jan 2, 2018
                    Resolved
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                    Resolved

                    Address: 400080

                    Sir

                    I have purchased goods from reliance fresh on 10/12/17, amount was
                    412.23, i have swiped my hdfc debit card once, but it has debited
                    Twice from my account, i have done complain on 11/12/17 & done phone
                    Complain on 13/12/2017, but still i have not receive my amount yet. My
                    Txn dispute with refrence no is 1461297, tell me how many days i
                    Should wait or i should esclate this issue. My account no is
                    [protected] my customer id is 41284717.

                    Sunildutt s upadhyay

                    [protected]
                    Feb 4, 2018
                    Complaint marked as Resolved 
                    HDFC Bank customer support has been notified about the posted complaint.
                    Verified Support
                    Jan 03, 2018
                    HDFC Bank Customer Care's response
                    Dear Customer,

                    We understand that you have also raised your concerns at Grievance Redressal vide Reference Number[protected] and you will receive a response from them to your e-mail ID. Your association is greatly valued by the Bank and will spare no efforts to resolve the matter quickly. Looking forward to your patience and cooperation in the interim.

                    -Bejoy
                    HDFC Bank Customer Assistance
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                      Neeraj sharmaG
                      from Gajraula, Uttar Pradesh
                      Jan 2, 2018
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                      Sir,
                      I have requested to close my account no [protected]. On date 14/12/2017 but till now my account is being not closed. Several time i made call and personally gone to bank but every time bank staff says come after 7 days your account will be get closed. But they were not closing it.
                      Kindly close my account immediately and responce on my mail id neeraj. [protected]@gmail.com
                      Contact no[protected] for any query
                      From neeraj sharma
                      Propritor of m/s friends earth movers.
                      Attaching the photo of cheque
                      +1 photos
                      HDFC Bank customer support has been notified about the posted complaint.
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                        M
                        manishbhargava
                        from Noida, Uttar Pradesh
                        Jan 2, 2018
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                        Address: New Delhi, Delhi, 110025

                        I have logged a complaint with the phone banking and on mails as well of HDFC BANK. From last 20 days I am following with the bank through email mail and customer care but no one is responding to my mails or are able to resolve my problem. At the time o[censored]pgrading the card nobody told me that it has a fee of Rs.2500. They are literally harassing.
                        HDFC Bank customer support has been notified about the posted complaint.
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                          S
                          Sukhneet singh
                          from Ludhiana, Punjab
                          Jan 2, 2018
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                          Address: 143502

                          Cancellation of One Assist Membership
                          I am a HDFC bank credit card holder . The bank has auto debited Rs. 5149/- from my credit card number ending with 1380 without my concern on date:15/12/2017. I am not interested about this service and don't want this membership any more. So cancel the membership and refund this debited amount
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                            Poovizhi Poo
                            from Keelakarai, Tamil Nadu
                            Jan 2, 2018
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                            Address: Tiruchirappalli, Tamil Nadu

                            From date:02/01/2018

                            S. Umarani,
                            9/1, annai sathiya street,
                            V. V. G. Nagar,
                            Vengamedu,
                            Karur-639 006
                            Tamil nadu

                            Respected sir,

                            Thank you very much for your kind help.

                            I have registered a complaint on 23/12/2017 about hdfc credit card loan payment. On 30/12/2017 evening i got message from hdfc to pay rs.45500/- for settlement. On 19/09/2017 i gave letter to hdfc bank (Credit card section) to tell me details to close the loan. But, they sent message on 30/12/2017 (After 3 ½ months).

                            I got credit card loan rs.50000/- on 02.03.2017 (Credit card no. [protected]) and got instruction to pay rs.2348/- for 24 months. (2348x24=56352/-). I have paid monthly due amount for 6 months (2348x6=14088/-). After 10 months from loan accepted date, now i want to close the credit card loan due to variable charges like. Autopay return charges, finance charges, service tax, cess tax, over due loan recovered, third party cash txn inc st & ec, gst which i have paid more than rs.5000/- to hdfc.

                            The bank is asking me to pay more amount which i should pay for 24 months (2348x24=56352/-)

                            Amount paid for 6 months 2348x6=14088/-
                            Now bank claiming amount 45500/-

                            Total 59588/-


                            For 24 months due total amount is 56352/-
                            For 10 months due total amount is 59588/-

                            I feel interest charges are more and i kindly request you to help me to reduce the interest charges and close the credit card loan.

                            Thanking you,
                            Yours faithfully,
                            HDFC Bank customer support has been notified about the posted complaint.
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                              Lucky1994
                              from Nagram, Uttar Pradesh
                              Jan 2, 2018
                              Resolved
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                              Resolved

                              Hello sir,
                              I applied for credit card of your bank. Your executive was take my all focuments. My application or registration id is [protected]n3.
                              Phone and office verification was also done by your executive. But now receive mail that my request of credit card are disapprove. Pls tell what is the reason behind this.
                              Thanks and regards
                              Akash raghuvanshi
                              Lucknow.
                              Feb 7, 2018
                              Complaint marked as Resolved 
                              HDFC Bank customer support has been notified about the posted complaint.
                              Verified Support
                              Jan 03, 2018
                              HDFC Bank Customer Care's response
                              Dear Customer,

                              We wish to inform you that your application has been considered in line with the bank's internal credit policy (which is based on a combination of financial and related criteria and/or statistically determined scores to assess credit eligibility) and operating/credit processes (which include a combination of verifications, credit bureau reports, and document verifications). We regret to inform you that we are unable to approve your application as it does not meet the above mentioned internal criteria of the bank.

                              -Anay
                              HDFC Bank Customer Assistance
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                                S
                                Sa DJ
                                from Gurgaon, Haryana
                                Jan 2, 2018
                                Resolved
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                                Resolved

                                Website: www.hdfcbank.com

                                Hi,

                                I want to file a complain on my conversation with your customer care executive bhaumik shah for the below pionts

                                1) i am being charged isaqmc-jul-sep[protected]mir[protected] every quarterly and i am not aware of the same. The problem is even the customer care said we dont know about the charge and we can not help.
                                2) i was told to talk to my rm on [protected] bryan sutari. By i called at the number and waited 30 mins and called 3 times but he was not available.
                                3) also i was told my charges are for low balance which is not true and i have maintained my min balance. I was clearly lieing to me and trying to fool me.

                                Kindly immediately stop these repeated charegs and credit back my amount already withdrawn.
                                Regards

                                Sagar jethwani
                                [protected]
                                Feb 4, 2018
                                Complaint marked as Resolved 
                                HDFC Bank customer support has been notified about the posted complaint.
                                Verified Support
                                Jan 02, 2018
                                HDFC Bank Customer Care's response
                                Dear Customer,

                                I request you to share your complete issue, Card No., charges details and registered contact details to [protected]@hdfcbank.com with ref ID- TTU[protected] in the subject line. Will assist you better.

                                -Anay
                                HDFC Bank Customer Assistance
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                                  D
                                  Dip20
                                  from Pune, Maharashtra
                                  Jan 2, 2018
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                                  Address: 411052

                                  My account has been deducted RS 2800 on 2Jan2017 without pre informing me of any charge deduction.
                                  Please find below account details. It was a salary account and not in use. Even the company (for which the salary account was opened) was shut down its operations in January 2017 itself.
                                  I am liable for the refund of my account.
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                                    J
                                    joshiv123
                                    from Delhi, Delhi
                                    Jan 2, 2018
                                    Resolved
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                                    Resolved

                                    Address: 400086

                                    Respected sir,

                                    My name is vinod joshi residing at ghatkopar west. I got a two wheeler loan from hdfc bank on 05.10.2015 for a sum of inr 59, 900.00 vide loan account 34787050 named vinod joshi, and i fully payment to the hdfc bank. But i did not received n. O. C. Till date.

                                    Could you please look into the matter urgently and provide my noc on my registered email id [protected]@gmail.com
                                    Feb 7, 2018
                                    Complaint marked as Resolved 
                                    HDFC Bank customer support has been notified about the posted complaint.
                                    Verified Support
                                    Jan 03, 2018
                                    HDFC Bank Customer Care's response
                                    Dear Customer,

                                    We have taken up the matter with concerned team and will respond to you through email in 3 working days. The reference number for your query is[protected]

                                    -Manoj
                                    HDFC Bank Customer Assistance
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                                      V
                                      Vignesh120790
                                      Jan 2, 2018
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                                      Hi team,

                                      Am investing in hdfc mutual fund for the past two years. And from last march (I. E) 10/03/2017 they are detecting an amount of rs 500 towards ach d - tp ecs make. I am not aware of the reason for the detection. And this is happening on 10th of every month till date. Will attach the screen print of my e - statement along with this mail for your reference.

                                      Cust id :47271591
                                      Account details: [protected]

                                      Can you please stop the payment towards this. And also is it possible for the refund of the amount which is detected.

                                      And already i have submitted a complaint 20 days before for the same and also dropped mail to [protected]@hdfc.com. I didnt get any response for my email. So can you address it asap.

                                      Please reach me at [protected].
                                      +1 photos
                                      HDFC Bank customer support has been notified about the posted complaint.
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                                        V
                                        VinayManik
                                        from Delhi, Delhi
                                        Jan 2, 2018
                                        Resolved
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                                        Resolved

                                        Address: Thrissur, Kerala, 680020

                                        Adhoc statement charges ₹118 for date[protected] have been deducted on 01/01/2018 from my hdfc salary account without any information.

                                        But i haven't asked for any such statements from bank either by visiting branch or through net banking.
                                        So i need clarification from bank or reverse my ₹118 to my account.
                                        Withdrawal - 118.00 rs

                                        Cheque ref no.- mir[protected]
                                        Narration - adhoc stmt chgs incl gst 271217-mir[protected]
                                        Value date - 01 jan 2018
                                        Jan 15, 2018
                                        Complaint marked as Resolved 
                                        HDFC Bank customer support has been notified about the posted complaint.
                                        Verified Support
                                        Jan 03, 2018
                                        HDFC Bank Customer Care's response
                                        Dear Customer,

                                        We have taken up the matter with concerned team and will respond to you on your registered email id in 5 working days. The reference number for your query is[protected]

                                        -Manoj
                                        HDFC Bank Customer Assistance
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