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HDFC Bank Complaints & Reviews

2.9
Updated: May 26, 2026
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P
Priyanka Saraiya
from Bengaluru, Karnataka
Jan 5, 2018
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Address: 500025

Hi,
I have made the complete payment towards my HDFC credit card over a year ago but haven't received the NOC still. The bank lady is not answering my calls. Request you to help me with a copy and also the CIBIL is getting affected.
CC No: [protected]
Ph: [protected]
Thanks
Priyanka
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    suhaspawar2031
    from Satana, Maharashtra
    Jan 5, 2018
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    Address: Pune, Maharashtra, 411004



    My salary account (In hdfc bank) was created in my first company, so once i left the company and joined somewhere else i had to open another salary account. Now my salary account in hdfc bank has been converted to savings account (Without informing me or warning me) in the month of jan 17 i had called customer care and raised a request to close my account as i did not want to use the account and they did say that they will follow up with the request and close the account. After i logged into my account via bhim app and i see that i have rs -9000 in my account. I have also visit my branch but they told we not closing your accout without pay total amount. I request you to please take action against this bank.. Thay have no right what so ever to do whatever they

    My salary account (In hdfc bank) was created in my first company, so once i left the company and joined somewhere else i had to open another salary account. Now my salary account in hdfc bank has been converted to savings account (Without informing me or warning me) in the month of may 16 i had called customer care and raised a request to close my account as i did not want to use the account and they did say that they will follow up with the request and close the account. After i logged into my account via bhim app and i see that i have rs -9093 in my account. I have also visit my branch but they told we not closing your accout without pay total amount. I request you to please take action against this bank.. Thay have no right what so ever to do whatever they want without informing the customerwant without informing the customer ac no is [protected] branch fc road pune
    Thanks & regards
    Suhas pawar
    [protected]
    HDFC Bank customer support has been notified about the posted complaint.
    Jan 30, 2018
    Updated by suhaspawar2031
    No response from bank they have no need of customers
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      R
      rahulagenius
      from Pune, Maharashtra
      Jan 5, 2018
      Resolved
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      Resolved

      Address: Pune, Maharashtra, 411060

      On hdfc website it was mentioned that there is 5 times reward points for hdfc credit cards, reading that i used my credit card in spite of the fact that it was costing me more. I just used credit card for the sake of more reward points otherwise would have used my cheque for transaction where i would have not been charged single penny extra. After doing the transaction hdfc never gave me extra reward points. It's been more than 3 months that am chasing with them with no fruits. They just say the offer is not valid, my question is then why are they still displaying that offer on their website, its just to cheat customers.

      I am finally now closing all my bank accounts and credit card with hdfc. No other resolution expected from hdfc. Worst customer service.

      My number is [protected].
      Feb 7, 2018
      Complaint marked as Resolved 
      HDFC Bank customer support has been notified about the posted complaint.
      Dec 18, 2017
      Sudhir 98533's response
      Kindly Amb refund of my account
      Verified Support
      Jan 05, 2018
      HDFC Bank Customer Care's response
      Dear Customer,

      we have taken note of your 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
      Sir my account number - [protected], Name- Sudhir Kumar das
      Sir kindly request to you reverse AMB charges in my account
      So I will menten the account minimum balance.
      Hi team,

      I don't know why 177.00 rs. Got deducted for '3rd party cash txn inc gst 041217-mir[protected]' on 12th aug 2017 from my hdfc bank account, please explain me this properly else refund my money back.

      My account number :[protected]

      Savings account no.: [protected], churchgate.

      This is a salary account.
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        Resolved
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        Resolved

        Hi team,

        I want to add a beneficiary (In my savings account) to initiate an international remmitance, however, i am neither getting otp on my mobile nor on my email.
        I tried calling my relationship manager in india but was redirected to call the call centre & lodge a complaint. I have been trying to reach the call centre on [protected] since yesterday but after waiting for more than 20 minutes on each occasion & listening to the ivr message (All representatives are busy), i had no option but to hang up. Further, i tried to find out the customer care email id but am also unable to get one on the hdfc site.

        Seek your support in resolving the issue

        I am available on +[protected]

        Thank you

        Regards,
        Parth mankad
        Feb 12, 2018
        Complaint marked as Resolved 
        HDFC Bank customer support has been notified about the posted complaint.
        Verified Support
        Jan 12, 2018
        HDFC Bank Customer Care's response
        Dear Customer,

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

        -Anay
        HDFC Bank Customer Assistance
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          I
          ishaan khurana
          from Udagamandalam, Tamil Nadu
          Jan 5, 2018
          Resolved
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          Resolved

          Address: New Delhi, Delhi
          Website: Hdfcbank

          I had a salary account with hdfc now i habe left thst job and salary account has converted to savings account and you hdfc bank has started levying charge of 600 per month and has taken my balance to - 4000.. I will take this issue to banking ombudsman if you do not resolve this issue as soon as possible as its a clear guideline by rbi you can take balance to negative and you never told me about my balance being deducted...
          Feb 9, 2018
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Jan 05, 2018
          Updated by ishaan khurana
          I am going to take this issue to banking ombudsmann as its a clear guideline from RBI that you can not take my balance negative.
          Verified Support
          Jan 05, 2018
          HDFC Bank Customer Care's response
          Dear Customer,

          I request you to share your account no, transaction details and registered contact details to [protected]@hdfcbank.com with ref ID- TTU[protected] in the subject line. Will assist you better.

          -Bejoy
          HDFC Bank Customer Assistance
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            M
            Maninder Birhe
            from Panipat, Haryana
            Jan 5, 2018
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            Address: Amritsar, Punjab, 143001
            Website: hdfc

            I have made payment using cheque and for that i was only charged twice, i have raised complaint from hdfc website and i got response like amount was deposited to my account that is the reason charges on amount deposit, but it was cheque from my account to pay to some one else.

            its a month now 2 weeks now and 2 times similar deductions.
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              B
              balasj93
              from Noida, Uttar Pradesh
              Jan 4, 2018
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              Address: Chennai, Tamil Nadu, 603202

              I purchased product using my credit card. I could not able to convert to EMI.
              I spoke with customer care. They saying there is no offer for my card. Really its very difficult to convert to EMI. If i want to convert to EMI. Other credit cards are very good compare to HDFC.
              Please do the needful.
              I am planning to deactivate my credit card.
              HDFC Bank customer support has been notified about the posted complaint.
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                A
                Ankky247
                from Kurduvadi, Maharashtra
                Jan 4, 2018
                Resolved
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                Resolved

                Address: 411041
                Website: Hdfc credit card payment billdesk

                I paid the bill for my hdfc credit card of 9681/-rs on 11 pm, 3rd january 2018 from kotak mahindra debit card ref. No -[protected]. Till now i didnt got any payment received receipt from hdfc bank nor any update on online website netbanking portal regarding transaction done. Please reslove this immediately because this is not any small amount and neither i will pay the dues with penalties again because of your faults.
                Feb 7, 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,

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

                -Bejoy
                HDFC Bank Customer Assistance
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                  D
                  Daitayan Banerjee
                  Jan 4, 2018
                  Resolved
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                  Resolved

                  Address: WC2B 5RE
                  Website: www.travelodge.co.uk/hotels/318/London-Central-Covent-Garden-hotel

                  Hi Team,

                  I made a hotel booking in United Kingdom with my Debit Card ending in 2606 for the amount of Rs.9764.36 . However, the payment has not claimed by the Hotel, instead I paid with a different card at the time of check in to the Hotel.

                  Now, my money is not yet refunded back to my bank account, as it seems the fund is on hold with HDFC.

                  The hotel already confirmed that, they are not going to claim that money, as I already paid with my other card.

                  Please assist to refund the money to my bank account as soon as possible.

                  Attached the statement of the transaction.

                  Transaction Date - Dec 24, 2017 at 2:11 PM
                  Amount - Rs.9764.36

                  Card No. 5326*******2606
                  Feb 13, 2018
                  Complaint marked as Resolved 
                  HDFC Bank customer support has been notified about the posted complaint.
                  Verified Support
                  Jan 11, 2018
                  HDFC Bank Customer Care's response
                  Dear Customer,

                  Please mail us at [protected]@hdfcbank.com from your registered email id along with your account details, contact details and transaction details for further assistance.

                  -Manoj
                  HDFC Bank Customer Assistance
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                    C
                    chat2amit
                    from Gurgaon, Haryana
                    Jan 4, 2018
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                    Address: Gurgaon, Haryana, 122017
                    Website: www.hdfcfund.com

                    Hdfc mutual funds are worst mutual funds..
                    The fund managers of hdfc are incapable, inefficient, extremely foolish and perform below other funds..
                    Hdfc mip which i invested gave em a negative return despite a;ll equity and bond funds performing nicely.
                    I took a lesson of never investing again in hdfc mutual fund.. My life time...
                    I advice the same to my family and friends... That never ever invest in hdfc mutual funds..

                    My bad experiences..
                    1) negative returns in mip
                    2) below par performance in other equity funds
                    3) hdfc switch from one hdfc fund to other took 3 days for me...
                    And i found hdfc cheat as they deliberately delay redemption and switch to earn extra interest and income on money..
                    Shame on hdfc bank mutual funds... Funds fo duffers - stay away from it,,
                    HDFC Securities customer support has been notified about the posted complaint.
                    Hey you can get in touch with the registrar for the same.
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                      N
                      nirajakadam
                      from Nashik, Maharashtra
                      Jan 4, 2018
                      Resolved
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                      Resolved

                      Address: 422003
                      Website: www.hdfcbank.com/htdocs/common/fastag/pay-toll-online.html

                      My application no. Is hfr019823, i have paid the amount of rs. 300/- on 26/12/2017 for fastag. Now few days ago i received the activation message.

                      Now pls let me know when i will receive the card. From three days i am trying to call the customer care but no one at-least once received the call. It's really annoying. Whats the use of such number when not available any time.

                      Also i tried to login online using first time user option... No record found mssg. Is displayed...

                      My customer id is[protected], wallet id is [protected]
                      Rfid :[protected] & mob. No. Is [protected]
                      Email id : [protected]@gmail.com

                      Pls let me know when i will receive the card & how can i login to my a/c.
                      Feb 4, 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,

                      Please email your query to hdfc.[protected]@sahaj.co.in or reach Fastag team directly at [protected] & [protected] for best assistance.

                      -Anay
                      HDFC Bank Customer Assistance
                      I have booked a room on 1st Jan 18 online through www.holidayhomes.nic.in worth Rs 330 with additional transaction charges of Rs 6.49. But amount has been dedcuted twice. Sreenshot of amount deduction and booking is attached. Pls return my amount of Rs. 336.49.
                      My account no. [protected].
                      IFSC CODE . HDFC0000972
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                        S
                        Samsaravanan
                        from Thrissur, Kerala
                        Jan 4, 2018
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                        Address: Chennai, Tamil Nadu

                        Ref: home loan a/c no:[protected] / policy no:[protected]/home suraksha plus policy

                        While availing the home loan, you forced to accept this policy hiding
                        The pros & cons in favour of my home loan.

                        In my adversity, you are telling no of rules and regulation without
                        Solving my requirement towards my homeloan emi dues.

                        Against my expectation of 3 dues ie rs.19668/- (Rs.6556 per emi) you
                        Have processed just rs.8400/- (Approx) to my loan account.

                        Disappointment
                        P. Saravanan
                        HDFC ERGO General Insurance customer support has been notified about the posted complaint.
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                          S
                          Sudha kiran
                          from Mumbai, Maharashtra
                          Jan 4, 2018
                          Resolved
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                          Resolved

                          Address: Mumbai City, Maharashtra

                          Hdfc people called me and offered me their credit card as i got my saving account with them after joining the new company. They said that they will be giving me the credit limit of 50000. I applied and they only gave me 20000 limits. I asked their representative who comes to my office for accounts (Dinesh yadav - [protected]) and he said he will take my papers and submit to the office to limit enhancement. He is the big liar and kept telling me i will come today every day.

                          Taking this forward i escalated to hdfc online but all they do is keep sending their regular emails which makes me feel like i am talking to a machine. I also called this guy dinesh and told him why did you lie but he is shameless and said you go and call customer care. Customer care is even worst and horrible. They are all cheat and liars. These are two reference number these # send me. The only question is why do you guys are the liar and cheat? Nothing else i want.

                          Kindly note the query reference number for this e-mail: [protected]
                          Kindly note the query reference number for this e-mail: [protected]
                          Feb 7, 2018
                          Complaint marked as Resolved 
                          HDFC Bank customer support has been notified about the posted complaint.
                          Verified Support
                          Jan 05, 2018
                          HDFC Bank Customer Care's response
                          Dear Customer,

                          We are fully sensitized to your query raised with regard to your credit card and confirm having responded on December 30, 2017. For further clarification, we request you to reply to the e-mail received. The reference number for the same is [protected].

                          -Anay
                          HDFC Bank Customer Assistance
                          Jan 19, 2018
                          Updated by Sudha kiran
                          No. I will not reply as I did mANY TIMEs and you ### did not take it seriously for which I am not happy with HDFC.You guys reply me when you have the reference number or you think you give me something from your bank.
                          There has been incorrect deduction of charges 2 time on 1st Jan and 2nd Jan respectively. It says (BRN CSH TXN...)
                          I would request you to please look into this matter and resolve the issue and there was no previous instruction shared in respect to such deduction.
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                            M
                            Maddy Vyas
                            from Ahmedabad, Gujarat
                            Jan 4, 2018
                            Resolved
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                            Resolved

                            Address: Jamnagar, Gujarat, 361001

                            I have also one home loan in hdfc bank but now credit card department say is
                            We believe that you deserve to have a hassle-free banking experience with hdfc bank. Therefore, to ensure that you are aware of your credit card application status, we have introduced a simple process to track the progress of your application.
                            Application reference number
                            [protected]wi
                            Status
                            Disapproved
                            Remarks
                            Disapproval of the credit card application does not reflect in anyway on your credit standing or your financial stability
                            But how my cibel score is more then 750...
                            Feb 18, 2018
                            Complaint marked as Resolved 
                            HDFC Bank customer support has been notified about the posted complaint.
                            Verified Support
                            Jan 16, 2018
                            HDFC Bank Customer Care's response
                            Dear Customer,

                            We infer that you wish to have the status of your application for credit card. We wish to inform you that your request for the credit card facility is under process and will revert to you on completion of the process ( 8 to 10 working days). We appreciate your patience in the interim.Further we wish to inform you that you can track your application status on-line through our Bank Website. We request you to visit the link http://www.hdfcbank.com/cctracker/cc/tools/cc_track.asp for the same.

                            -Manoj
                            HDFC Bank Customer Assistance
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                              D
                              Deadmaninc
                              from Mumbai, Maharashtra
                              Jan 4, 2018
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                              Address: Mumbai City, Maharashtra, 400011
                              Website: Myntra

                              Myntra initiated a refund of 5800 rs to my account.. They have confirmed that the payment is through from their end.. It doesn't reflect in my account as well as in account statement.. Plz check and revert..

                              They have given me a RRA no. [protected].

                              There were other refunds which got credited but this one for 5800 rs is stuck..
                              Can you please shed some light on the query which you have posted. Im facing the same issue.
                              did you get the refund? if so, what was the process for it
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                                D
                                david ansil
                                from Mumbai, Maharashtra
                                Jan 4, 2018
                                Resolved
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                                Resolved

                                Website: www.hdfcbank.com

                                Dear hdfc bank my customer id is 56013338 first of all you have blocked otp service so i cannot log into netbanking or change my password to my desired changed number second of all u guys have an ecs forum on the website where you dont follow at all i have been charged 800 rupees in every ecs bounce which is illogical when spoke to the bank they said please download the printout n mark the transaction n come back is this the no 1 bank deals do u even guys know anything with customer service if the customer goes home gets printout of his statements then why do u guys even have a system to look into our transactions this appauling service i cannot even see how much is getting deducted from my account because my net banking is disable please dont call your self indias no 1 bank its poor bank where customers doesnt feel an important customer
                                Feb 7, 2018
                                Complaint marked as Resolved 
                                HDFC Bank customer support has been notified about the posted complaint.
                                Verified Support
                                Jan 06, 2018
                                HDFC Bank Customer Care's response
                                Dear Customer,

                                We have checked your account and note that your Netbanking and Secure Access are active. In case you have forgotten your password, kindly reset the same online or visit the nearest branch and submit a request for IPIN regeneration. With regard to ECS/ACH return charges levied in your account, we note that the charges are levied correctly as per the Bank's Schedule of Fees and Charges in case of ECS/ACH/Cheque return instances in your account. Please visit the URL below to know the fees and charges applicable to your account: http://www.hdfcbank.com/personal/fees_charges/fees_charges

                                -Anay
                                HDFC Bank Customer Assistance
                                Jan 10, 2018
                                Updated by david ansil
                                Alright i agree with you anay u state that the charges on my account are as per forum i will upload it with transaction id but i have tried restting my pin and i do not get an otp on my registered address i have spoken to your customer where they cannot be clear and consice if you can check my complaints regarding this otp issue is been going on since 7 days i mean which bank takes such a long time to resolve an issue without an intimation and yes even though the issue is not resolved i keep on getting messages as issue has been resolved i do not have time to visit the branch as m working and my credit card is been blocked because i could not make my payments on time as the netbanking is the problem as i cannot log into it as i have tried resetting my ipin more 30 times i have a proof with history in my browser i have to pay extra charges because of the banks issue plus face inconvenience due to my card is been blocked due to late payment what are you going to do about it let the customer face the problem as i am not the only customer u have n not a important to you bank well not a problem the day i get out of my problems i will see to it as i have proofs with me where your bank cannot be customer oriented at all thankyou
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                                  parashar avinash
                                  from Mumbai, Maharashtra
                                  Jan 4, 2018
                                  Resolved
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                                  Resolved

                                  Address: Mumbai City, Maharashtra, 400067

                                  I have taken personal loan, every month i pay emi on time, last month i missed by one day then i paid with entire fine and charges.
                                  Infact i paid charges of citibank also which came for ecs minimum balance.
                                  To avoid same, i also paid for this month in advancevto hdfc.
                                  The have recieved a payment. There system is also showing it but still they are puting for ecs in my citibank and citibank is also charging me because of them.
                                  And now hdfc is harrashing me as well.
                                  I am really frustrated coz if i would have been defaulter then i would hv understand but i m a good customer who have already paid them.
                                  Loan number[protected]
                                  Feb 16, 2018
                                  Complaint marked as Resolved 
                                  HDFC Bank customer support has been notified about the posted complaint.
                                  Jan 04, 2018
                                  Updated by parashar avinash
                                  I have added both hdfc image and citibank, inspite of being good customer who is not a defaulter, they are harrashing me and asking me to visit bank in digital world also now they are asking additional charges of frst emi which never existed from 8 months, i have all reciept.

                                  Verified Support
                                  Jan 08, 2018
                                  HDFC Bank Customer Care's response
                                  Dear Customer,

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

                                  -Manoj
                                  HDFC Bank Customer Assistance
                                  Jan 09, 2018
                                  Updated by parashar avinash
                                  I have already mailed you
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                                    CroKil Cinler
                                    from Mumbai, Maharashtra
                                    Jan 4, 2018
                                    Resolved
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                                    Resolved

                                    Address: Mumbai City, Maharashtra

                                    I have regelia crdit card. I have been charged 2 times for using priority pass at airport lounge when i m entitled for 6 times annually free

                                    After calling customer care they have agreed to revert back the charges but they are not reverting gst charges 316.92 +316.24

                                    After making several complains and emailing hdfc grievance referral there is no action taken on my reversal acc to them onces charged gst cannot be reversed as per government policy

                                    But thing which me not used y charge me and y shld i pay gst

                                    Every bank does reversal if wrong charged with gst
                                    Only hdfc bank doesnot

                                    In past also i let go gst but this time i want reversal for my both gst charges 316.92 +316.24

                                    My email id is [protected]@yahoo.com
                                    Feb 13, 2018
                                    Complaint marked as Resolved 
                                    HDFC Bank customer support has been notified about the posted complaint.
                                    Verified Support
                                    Jan 06, 2018
                                    HDFC Bank Customer Care's response
                                    Dear Customer,

                                    we have taken note of your 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.The reference number for this interaction is[protected].

                                    -Manoj
                                    HDFC Bank Customer Assistance
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                                      S
                                      Sivagee
                                      from Hyderabad, Telangana
                                      Jan 4, 2018
                                      Resolved
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                                      Website: hdfcbank.com

                                      In the past few months, i have been receiving repeated calls from various mobile numbers asking if i want personal loan, credit card etc. From hdfc bank.

                                      [protected] - 4-jan-2018 10.15 am
                                      [protected], [protected] - july 2017
                                      [protected], [protected] - dont remember the dates

                                      There are several other numbers that i did not note.

                                      I have registered for dnd in hdfc bank and also in my mobile service provider. Still i am haunted by numerous calls from hdfc bank. This is affecting my productivity at my office and losing peace of ming. I want to register a harrassment case on hdfc bank. Please assist me with required information on this.
                                      Feb 7, 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,

                                      I request you to share the caller details and your 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
                                      Apr 05, 2018
                                      Updated by Sivagee
                                      This is not resolved yet. I wrote to [protected]@hdfcbank.com and after repeated mails, HDFC bank personnel called me. I was still receiving these calls from multiple branches of HDFC. They told me to directly take up with the mobile service provided and they are unable to stop these calls from their bank.

                                      This is ridiculous and shows how insensitive HDFC bank is.

                                      I am thinking of how to escalate this to media and social media.
                                      Apr 10, 2018
                                      Updated by Sivagee
                                      HDFC Bank,
                                      I am still getting calls from different branches of Hyderabad offices. Stop such nuisance calls.
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                                        Tufail_Ahmed
                                        from Bengaluru, Karnataka
                                        Jan 4, 2018
                                        Resolved
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                                        Address: Chennai, Tamil Nadu, 560029
                                        Website: www.hdfcbank.com

                                        Why was an amount of 177 inr deducted from my account without i being informed? I have been using hdfc for years and never was i told that i need to pay money for people depositing money into my account.
                                        How can you charge me for money that i don't own? I received an amount of 9k and withdrew it the very next day.

                                        Savings account no.: [protected], mandaveli
                                        Transaction:

                                        27 dec 2017 3rd party cash txn inc gst 211217-mir[protected] mir[protected] 27 dec 2017 177.00 8, 725.79
                                        Feb 8, 2018
                                        Complaint marked as Resolved 
                                        HDFC Bank customer support has been notified about the posted complaint.
                                        Verified Support
                                        Jan 06, 2018
                                        HDFC Bank Customer Care's response
                                        Dear Customer,

                                        HDFC Bank offers the customer, convenience of anywhere banking in any of our branches along with the extensive ATM network.However to deter indiscriminate deposits and to offer the service in a controlled manner, third party cash transactions are permitted at a nominal charge. Levy of this service charge, as with all other service charges levied by the Bank, is at the sole discretion of the Bank. Third Party cash transactions (deposits and withdrawals), at any branch through teller counters, would be accepted in Savings accounts up-to a limit of Rs. 25, 000 per transaction per day. This service would be offered at a nominal charge of Rs.150 per transaction, plus applicable taxes irrespective of the amount deposited/withdrawn. For further assistance you may write to us at [protected]@hdfcbank.com

                                        -Bejoy
                                        HDFC Bank Customer Assistance
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