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HDFC Bank Complaints & Reviews

2.9
Updated: Feb 20, 2026
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HDFC Bank reviews & complaints page 733

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S
scgunwal@1985
from Mumbai, Maharashtra
Apr 20, 2019
Resolved
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As new customer of hdfc bank credit card a have activated auto pay with my hdfc saving bank a/c. On march, 8.2019 i paid the c card due pay by my saving a/c by mistake. The amt was dr.in my sb a/c and also cr.in my c card a/con same day. But bank has charged rs.4790 as minimum charges in my sb a/c. On next day i cont. To cus., carea nd i was assured that excess amt. Will credit in next bill of c card. When i recd this month bill the amt of rs 4790 cr.in my bill but charged rs 6865 as bouncing charges for non pay c card bill.
Now my grivences is that when i paid c card bill on due date and also cr.in cc bill same day then why bank charge bouncing charges. Pls refund my excess charge, otherwise i will stop thepay. Of next bill and bank will responsiable for the same. With warm regard subhash chander cont no.[protected]. Hdfc cr card no*2577
May 25, 2019
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Apr 24, 2019
HDFC Bank Customer Care's response
Dear Customer,

We observe that you have given us an instruction to claim the Total monthly outstanding on your card account from your savings account. Based on the instruction, we had attempted to claim Rs. 95, 799.00 from your savings account and the same was returned due to insufficient funds. Hence, minimum amount due was claimed from your Savings Account. As you may be aware, any payment returned would attract a payment return charge. In view of the same, the autopay return fee has been levied. We note that you have effected payment of Rs. 95, 799.00 on the same day when the attempt to claim the amount was done. We request you to maintain sufficient balance in your bank account henceforth to enable us to carry out your instruction effectively and to avoid levy of autopay return charges on your card account. Alternatively, you can effect interim payment through net banking 3 days prior to Payment due date to avoid levy of charges.

-Zubin
HDFC Bank Customer Assistance
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    Sravani.M
    from Chennai, Tamil Nadu
    Apr 20, 2019
    Resolved
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    Hello

    I am sravani maram sending request to process the refund initiated by amazon on april 2, 2019.

    It's been more than 6 business days still the amount not reflected in card. I received refund reference number from amazon to the registered mail. For any query or help regarding this issue please call on my mobile [protected].

    Please consider this issue into account and let it get resolved. Looking forward for your response.

    Thanks and regards,
    Sravani maram.
    May 22, 2019
    Complaint marked as Resolved 
    HDFC Bank customer support has been notified about the posted complaint.
    Verified Support
    Apr 21, 2019
    HDFC Bank Customer Care's response
    Dear Customer,

    Let us look into it for you. Please share your Account No./Card No., transaction details, along with registered 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.

    -Manoj
    HDFC Bank Customer Assistance
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      V
      Vijaykumarsuman
      from Ranchi, Jharkhand
      Apr 20, 2019
      Resolved
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      Dear cardholder,

      Ref; your hdfc bank card no. 416317xxxxxx4164

      Current balance rs.10101.04

      Your continued failure/refusal to clear the outstanding amount on your above credit card has constrained us to consider legal action against you for the recovery of dues owed to us.

      In the event that you fail to respond to this notice, appropriate legal action will be initiated against you for the recovery of the due amount. The amount outstanding as due and payable by you on the card account as of this day stands at rs.10101.04/-.

      You may please take note of the fact that interest and other charges at contractual rates will continually accrue on your card account till the date of liquidation of the dues.

      To avoid initiation of legal action for the recovery of outstanding dues and the ensuing consequences, please contact us within 15 days from the date of this letter with a payment of rs.10101.04

      Please note that as already informed through card member agreement and further communication, your conduct of the card has been shared with other banks, institutions, credit information companies and statutory bodies. Please be informed that your account has also been assigned to our external associates for liaising with you for payment of dues. Please refer to the annexure enclosed herewith.

      If you have already made a payment or settled as per the schedule of the settlement letter issued by the bank, please disregard this letter and accept our apologies for the inconvenience caused.


      Officer – retail portfolio management
      May 25, 2019
      Complaint marked as Resolved 
      HDFC Bank customer support has been notified about the posted complaint.
      Verified Support
      Apr 22, 2019
      HDFC Bank Customer Care's response
      Dear Customer,

      We note that you have sought clarification with regard to your credit card account. We request you to contact our Debt management officers at[protected] / 40372303 for further assistance in this regard.

      -Manoj
      HDFC Bank Customer Assistance
      Verified Support
      Apr 24, 2019
      HDFC Bank Customer Care's response
      Dear Customer,

      We request you to contact our Debt Management officers at[protected] / 40372303 with regard to your credit card outstanding or for any further clarifications.

      -Zubin
      HDFC Bank Customer Assistance
      Why haven’t you paid your bill? And if you haven’t, what do you expect from HDFC?
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        B
        biren1042
        from Guwahati, Assam
        Apr 20, 2019
        Resolved
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        Resolved

        Address: Assam Gramin Vikash Bank, Kamrup Metropolitan, Assam

        Date of issue of card: 06.01.2011
        Highest credit utilised : 95885
        Last payment :31.08.2013
        A. Mt overdue: 0
        Written off settlement status:04
        I was a credit card customer in the year 2011 of your bank. It was operated smoothly by the way of my need. Unfortunately i was suffering from black jundice from the middle part of 2011 and admitted in hospital for a long time. At that time my wife compromise the outstanding as because she was faces so many problem economically. So she decide to compromise the card outstanding amount. She did not know about the situation arises in future. Now i am agree to pay anything if necessary and relief me to upgrade my cibil score.

        Now kindly issue to me noc and delete my credit card account from your end.
        Yours fakthfully

        Birendra mohan gogoi
        Assam gramin vikash bank
        Chandmari. Guwahati-.781003
        May 19, 2019
        Complaint marked as Resolved 
        email:[email protected]. Ph: 6001312008/8486066079 Thanks. Birendra Mohan Gogoi. Assam Gramin Vikash Bank
        HDFC Bank customer support has been notified about the posted complaint.
        Verified Support
        Apr 25, 2019
        HDFC Bank Customer Care's response
        Dear Customer,

        We infer that you have sought clarification with regard to your credit card account. In this regard, we regret to assist you further in the absence of the card details, Having said this, we request you to provide the following details to the below e-mail id to enable us to do the needful. 1. Name as mentioned in the card account, 2. Last four digit of your credit card (xxxx xxxx xxxx 1234), 3.Contact number as updated in the card account and latest contact number. 4.Email address as updated in the card account.

        -Nadia
        HDFC Bank Customer Assistance
        Apr 25, 2019
        Updated by biren1042
        1. Name: Birendra Mohan Gogoi
        2. Last four digit card no: Forgate
        3. Contact no: [protected]/[protected]/[protected]/[protected]
        4. E mail: [protected]@gmail.com
        May 19, 2019
        Updated by biren1042
        Card no. Xxxxxxxxxxxxx842
        PAN no. ACPPG0222K
        Birendra Mohan Gogoi
        Ph. [protected]/[protected]
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          R
          Rajesh Thangadurai
          Apr 20, 2019
          Resolved
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          Resolved

          Address: 4/116 West Street, Kulayankarisal, Thoothukudi, Tamil Nadu, 628103

          I have a nri account with hdfc bank. I didn’t use the account for around 5 months so the bank applied amb charges around 3500 rupees. Recently i decided to use the account and contacted hdfc customer care and tuticorin hdfc branch manager and asked them to waive off the charges. Branch manager (Shri ganesh) agreed to waive off the charges and asked me to maintain minimum balance in the a/c and give confirmation of maintaining amb.
          I transferred around 30, 000k into my account immediately and asked them to waive of the charges.
          They waived off the charges on that day but after one week they deducted around 45000 rupees from my account for not maintaining amb charges. I feel cheated, i transferred the amount based on the confirmation email from branch manager.
          My request number is mumc[protected]. I need my money back. I don’t think customer care and branch manager will help. Kindly help here.
          May 25, 2019
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Verified Support
          Apr 22, 2019
          HDFC Bank Customer Care's response
          Dear Customer,

          We are working on your concern vide Ref ID:[protected] and will revert to you within 3 working days.

          -Nadia
          Customer Assistance.
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            R
            Rickydagar
            from Gurgaon, Haryana
            Apr 20, 2019
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            Address: [email protected], Hisar, Haryana, 125001

            My hdfc bank loan-two wheeler loan[protected]. I already submitted the loan emi rs. 2765 every month but extra money is also deducted 3 times. I need the clarification why this amount is deducted when i timely give the loan emi's. I many time call your customer care but they don't resolve my problem.in my account sufficient amount of money is available all time for loan emi's then why you deduct extra money.
            HDFC Bank customer support has been notified about the posted complaint.
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              R
              Rajashri Dhamanskar
              from Mumbai, Maharashtra
              Apr 20, 2019
              Resolved
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              Address: Pune, Maharashtra, 411013

              I got call from hdfc credit card department whether i am interested in getting credit card. I was interested in that and i had applied for hdfc regelia credit card. I have been told that you will get benefit of buy 1 get 1 free movie ticket on bookmyshow. But when i received the card that benefit was not there. I think they are attracting customers with false info.
              Please let me know how i can deal with this case.
              Thanks
              Rajashri athikary
              May 23, 2019
              Complaint marked as Resolved 
              HDFC Bank customer support has been notified about the posted complaint.
              Verified Support
              Apr 22, 2019
              HDFC Bank Customer Care's response
              Dear Customer,

              We'll certainly look into this for you. Please share your Credit Card No., along with the registered mobile number, email ID and the complete 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.

              -Manoj
              HDFC Bank Customer Assistance
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                M
                Murtaza Kagdi
                from Mumbai, Maharashtra
                Apr 20, 2019
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                Address: H NO B 1820, OPP GPO, LAL BAZAR, YUSUF MANZIL, B/H MATERNITY HOME, Bharuch, Gujarat, 392001

                Hi,

                I can not login into net banking, if i try to generate otp to change password i'm not at all receiving the otp message. I also communicated with hdfc customer care, they said everything is ok from there side. But i am getting messages on the same mobile number from others but not getting hdfc otp message also not receiving mail for the same. Due to this i am not able to do any kind of transactions. Please fix this issue asap
                Moazzam kagdi
                HDFC Bank customer support has been notified about the posted complaint.
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                  P
                  prad@1234
                  from Bhuj, Gujarat
                  Apr 20, 2019
                  Resolved
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                  Resolved

                  Address: bhuj, Kutch, Gujarat, 370001

                  Sir, i have taken a vehicle loan from hdfc bank, sir due to financial crisis i am not able to pay my emi in time everytime i pick the call and reply to your executive, and pay the emi maximum end of month and late by only single emi and bearing late payment charges and other charges and paying them also. Yesterday he call me i pick his call and inform him to clear the same by monday, today he came to my office and start abusive language and fight with my security guard, and when i call him he said u talk to bank i behave like this only and when i call his boss he said complain me to bank this is ridiculous behaviour. Being a banker if your employees show this type of behaviour thats not nice, i want you to take strict action against them.

                  Contact no hdfc executive : mr mangal singh [protected]
                  My number : mr pradeep tiwari [protected]
                  May 25, 2019
                  Complaint marked as Resolved 
                  HDFC Bank customer support has been notified about the posted complaint.
                  Apr 20, 2019
                  Updated by prad@1234
                  i have taken vehicle loan from other banks also but never face such type of behaviour from their employee this is totally disappointing and the reply of the boss is totally undigetable to compalin about him in bank, it shows the bank dont hire the employee they hire the rowdy and dacoit who use to snatch the things and use abusive language with customers .
                  Verified Support
                  Apr 24, 2019
                  HDFC Bank Customer Care's response
                  Dear Customer,

                  Please email us at [protected]@hdfcbank.com from your registered email id along with your loan account details, contact details and complete details of the issue for further assistance. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

                  -Zubin
                  HDFC Bank Customer Assistance
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                    B
                    Bharti Rajpoot
                    from Mumbai, Maharashtra
                    Apr 20, 2019
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                    Address: C-819 camp no 2 nangloi lokesh cinema delhi -110041, New Delhi, Delhi, 110041

                    Dear sir,

                    I am previous employee in hdfc securities.
                    Emp code -145687, name - bharti,
                    Date of joining - 22/06/2015
                    Exit date - 15/11/2016

                    But till date my reliving letter not giving to me every time i am call here but not positive revert in hdfc securities staff. Every time his told me he raise the query but no any other action in my problem. And system update the reliving status is dispatch but me not received, who is the person he giving to my reliving letter. It is critical to me. Please solve my problems as soon as possible.

                    Regard
                    Bharti
                    Ph no [protected]
                    Mail id - [protected]@gmail.com
                    HDFC Securities customer support has been notified about the posted complaint.
                    Strongly feel that there are fraud happening with public money !

                    In 2017 when Nifty was 9800 then HDFC Prudence Fund NAV was 31.95
                    In 2019 when Nifty is 11200 then the same fund which is switched to HDFC Balance advantage Fund, NAV is 27.30 !!!

                    How is this possible unless there is some fraud !!!
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                      A
                      Anupwolves
                      from Bengaluru, Karnataka
                      Apr 20, 2019
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                      rude behaviour of executive

                      Address: mangalore, 575001

                      Dear bank,

                      This is to inform you i have an loan a/c in hdfc bank, due to some personal problems i was unable to pay april month ka installment, i got a call from executive on 14th regarding payment and she was forcing me to pay on17th, since i had problem as i told already i was unable to pay it i got a call on 16th from same executive, i told her will pay this on 1st of next month as only two installments are pending for...
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                      S
                      Sujoy Mazumder
                      Apr 20, 2019
                      Resolved
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                      Resolved

                      Address: Kolkata, Kolkata, West Bengal, 700052

                      I raised request for free look cancellation of policy 21175501 on 7th march interaction id hdfcsl=[protected].
                      After many counter requests i got confirmation of 24th march (Hdfcsl=[protected] that request is forwarded to department.

                      I called helpline to know status after 2 week but they said i didn't raise any request.
                      I got reply email on 17th april "forwarded your request to our concerned department". On april 19 i got reply "we have updated your neft details".
                      I want full refund of policy amount immediately
                      May 24, 2019
                      Complaint marked as Resolved 
                      HDFC Life customer support has been notified about the posted complaint.
                      Verified Support
                      Apr 22, 2019
                      HDFC Life Customer Care's response
                      Hi, kindly inform the policyholder as the concern is already raised on [protected]@hdfclife.com, our team will check and post assessment response will be shared policyholder.
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                        S
                        Shafat Jeelani
                        from Srinagar, Jammu and Kashmir
                        Apr 19, 2019
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                        Address: HDFC Bank, Nowgam, Srinagar., Srinagar, Jammu and Kashmir, 190015

                        My SB account no: [protected] maintained at HDFC Bank Nowgam, Srinagar has been wrongly debited by an amount of Rs 10000/= under FD no: [protected] through a cheque not issued by me.
                        I would like to get the amount of RS 10000/= credited back to my account and the reasons for this act which has caused me anxiety and mistrust .
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                          Laxmanrao1215
                          from Hyderabad, Telangana
                          Apr 19, 2019
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                          Address: Mumbai City, Maharashtra, 400013

                          This is lakshmana rao thiruveedula, i had an issue with icici bank online transfer.in april 2nd one of the my friend transfer 300 rs amount from hdfc to my icici bank account[protected] but i am not receive that amount in to my account still that is a imps transfer but i am not receive that amount to my account. With out processing money how then can show transaction is successful for this reson i will compaint against the hdfc online app.
                          HDFC Bank customer support has been notified about the posted complaint.
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                            P_Kumar
                            from Bengaluru, Karnataka
                            Apr 19, 2019
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                            Address: 560066

                            I'm pawan kumar and i'm using hdfc regalia first credit card. I took this card a couple of years back (Maybe 2-3). I contacted hdfc customer care in aug 2018 for some issue and at the end of the conversation i was told about an offer. I was told that if i activated any smart pay service (Automatic bill payment) with my card and used for at least 3 months then my card would become lifetime free card. I had activated that service for my mobile bill payment. Now i have been charged 1000 as annual fee and 180 gst against the promise made to me by one of their customer care executives.
                            I know that this is a chargeable card but as i was asked to activate smart pay with a promise of lifetime free then it should not have been charged or at least i should have been intimated that the offer/policy has changed.
                            HDFC Bank customer support has been notified about the posted complaint.
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                              Om vishnu
                              from Mumbai, Maharashtra
                              Apr 19, 2019
                              Resolved
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                              Resolved

                              Address: Village Rampura, Sirsa, Haryana, 125103

                              श्रीमान जी, मैनें 2 महीने पहले hdfc bank mandi dabwali में kcc loan अप्लाई किया था। वहां के बैंक मैनेजर हमें बार बार घुमाते रहे और लोन के लिए रिश्वत की मांग की। जब हमने रिश्वत से मना किया तो हमारे से missbehave किया। और इस के बाद हमारा लोन नहीं किया। और अब जब हम अपने कागज वापिस मांग रहे हैं तो वो भी वापिस नहीं दे रहे और न हमसे मिल रहे और न फोन पर बात कर रहे और हमारे कागज भी वापिस नहीं कर रहे
                              श्रीमान जी बैंक मैनेजर हरविंदर सिंह ने हमें बहुत परेशान किया है
                              May 25, 2019
                              Complaint marked as Resolved 
                              HDFC Bank customer support has been notified about the posted complaint.
                              Verified Support
                              Apr 19, 2019
                              HDFC Bank Customer Care's response
                              Dear Customer,

                              I request you to share the complete address of the Branch 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
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                                H
                                hituparmar
                                from Gurgaon, Haryana
                                Apr 19, 2019
                                Resolved
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                                Resolved

                                Address: New Delhi, Delhi, 110085

                                Myself hitesh kumar parmar, having hdfc credit card from last few year, regularly i pay my bill by deposit cash in near by hdfc branch,
                                Today on 19/4/2019, i got a call from mr. Rahul employee id no: 48103 and he ask me to pay the bill i simply said today is bank holiday due to good friday i will pay tomorrow by afternoon, but he refuse and said you have to pay today itself and started shouting and misbehaving.

                                I again request him that i will pay tomorrow but he did not stop and harassing me on phone.

                                As i am a old customer of hdfc credit card my request to you that kindly look into the matter and resolve it.

                                Thanking you,
                                Yours truly
                                Hitesh kumar parmar
                                +91 [protected]
                                New delhi
                                May 27, 2019
                                Complaint marked as Resolved 
                                HDFC Bank customer support has been notified about the posted complaint.
                                Verified Support
                                Apr 19, 2019
                                HDFC Bank Customer Care's response
                                Dear Customer,

                                I request you to share your complete concern, card number, caller 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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                                  S
                                  sahibey alam
                                  from Noida, Uttar Pradesh
                                  Apr 19, 2019
                                  Resolved
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                                  Resolved

                                  Address: Lucknow, Uttar Pradesh

                                  I have made irctc booking on 11th april of amount approx. 1605, but it got failed and my ticket was not booked, also its 8 days passed and i have not received refund to my credit card.
                                  See the below irctc status. Kindly expedite the resolution.

                                  Hdfc credit card
                                  Transaction id: [protected]
                                  Kanpur central (Cnb) new delhi (Ndls)
                                  Transaction date: 11 apr 2019
                                  Transaction amount: 1605.0
                                  Payment status: pending from bank end
                                  Failure reason: no response from bank

                                  Name:- sahibey alam
                                  [protected]
                                  May 22, 2019
                                  Complaint marked as Resolved 
                                  HDFC Bank customer support has been notified about the posted complaint.
                                  Verified Support
                                  Apr 21, 2019
                                  HDFC Bank Customer Care's response
                                  Dear Customer,

                                  We have reviewed your comments expressed and you may look forward to receiving 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].

                                  -Nadia
                                  HDFC Bank Customer Assistance
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                                    G
                                    Gauri Pedgulkar
                                    from Mumbai, Maharashtra
                                    Apr 19, 2019
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                                    Hello there

                                    I am a hdfc bank credit card holder. The bank has sent sms for payment against charges of one assist service of rs. 2492/- my credit card number ending with 9507. I am not interested about this service and don't want this membership any more. So cancel the membership.

                                    Name: gauri pedgulkar
                                    Hdfc credit card no. [protected]
                                    Mobile no: [protected]
                                    HDFC Bank customer support has been notified about the posted complaint.
                                    Dear Gauri,

                                    Greetings from OneAssist!!!

                                    We are sorry to see you go.

                                    We have forwarded your details to our team and you should expect a call within 24 hours. Please note that OneAssist will never ask for your Card CVV details or OTP for membership cancellation or for processing refund.

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                                      A
                                      ABHIara
                                      from Bengaluru, Karnataka
                                      Apr 19, 2019
                                      Resolved
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                                      Resolved

                                      Address: smq 646/1 a f station tezpur., 784104

                                      For the last few month some amount are debated from my saving a/c for the name of amb chrg incl gst for mar2019-mir[protected]amb. My, a/c no is [protected] name rani singh.
                                      The main thing is that i maintained your minimum balance requirement i. E 6000. My email id is [protected]@gmail.com. My contact no [protected] apr 2019 inst-alert chg inc gst jan-mar2019-mir[protected] mir[protected] 18 apr 2019 17.70 6, 177.37
                                      09 apr 2019 amb chrg incl gst for mar2019-mir[protected] mir[protected] 09 apr 2019 354.00 6, 195.07
                                      06 apr 2019 pos 416021xxxxxx1254 binod nath pos debit [protected] 06 apr 2019 410.00 6, 549.07
                                      01 apr 2019 credit interest capitalised 31 mar 2019 54.00 6, 959.07
                                      06 mar 2019 amb chrg incl gst for feb2019-mir[protected] mir[protected] 06 mar 2019 354.00 6, 905.07
                                      08 feb 2019 imps[protected]abhishek kumar singh-hdfc-xxxxxxx0881-moblt[protected] [protected] 08 feb 2019 3, 000.00 7, 259.07
                                      05 feb 2019 pos 416021xxxxxx1254 reliancejio pos debit pf[protected] 05 feb 2019 98.00 4, 259.07
                                      05 feb 2019 amb chrg incl gst for dec2018-mir[protected] mir[protected] 05 feb 2019 354.00 4, 357.07
                                      05 feb 2019 amb chrg incl gst for jan2019-mir[protected] mir[protected] 05 feb 2019 354.00 4, 711.07
                                      30 jan 2019 debit card annual fee-jan[protected]mir[protected] mir[protected] 30 jan 2019 236.00 5, 065.07
                                      16 jan 2019 inst-alert chg inc gst oct-dec2018-mir[protected] mir[protected] 16 jan 2019 17.70 5, 301.07
                                      01 jan 2019 credit interest capitalised 31 dec 2018 56.00 5, 318.77
                                      26 dec 2018 debit card issuance fee 211218-mir[protected] mir[protected] 26 dec 2018 885.00 5, 262.77
                                      05 dec 2018 amb chrg incl gst for nov2018-mir[protected] mir[protected] 05 dec 2018 354.00 6, 147.77
                                      20 oct 2018 inst-alert chg inc gst jul-sep2018-mir[protected] mir[protected] 20 oct 2018 17.70 6, 501.77
                                      30 sep 2018 credit interest capitalised 30 sep 2018 59.00 6, 519.47
                                      28 sep 2018 debit card annual fee-sep[protected]mir[protected] mir[protected] 28 sep 2018 236.00 6, 460.47
                                      23 jul 2018 inst-alert chg inc gst apr-jun2018-mir[protected] mir[protected] 23 jul 2018 17.70 6, 696.47
                                      01 jul 2018 credit interest capitalised 30 jun 2018 58.00 6, 714.17
                                      24 apr 2018 inst-alert chg inc gst jan-mar2018-mir[protected] mir[protected] 24 apr 2018 17.70 6, 656.17
                                      May 23, 2019
                                      Complaint marked as Resolved 
                                      HDFC Bank customer support has been notified about the posted complaint.
                                      Verified Support
                                      Apr 22, 2019
                                      HDFC Bank Customer Care's response
                                      Dear Customer,

                                      Average Monthly Balance is calculated out at the end of the month. This is the average of the closing credit balance in the Account at the end of each day during the calendar month (i.e. a total of the daily closing credit balance divided by the total number of days during the month). In case this average is less than the minimum prescribed for your account, the charges for non-maintenance will be levied at the beginning of the following month along with the GST at the applicable rates. Effective 1st April 2013, customer's registered for InstaAlerts service with 'SMS' facility, would be charged as follows: Salary/Savings Account: Rs. 15/- per quarter Current Account: Rs. 25/- per quarter You may visit https://bit.ly/2EEowiK for more details of how the Average Monthly Balance is calculated. For a Regular Savings Account, the charges for non-maintenance of Average Monthly Balance is available on https://bit.ly/2D62CbT

                                      -Manoj
                                      HDFC Bank Customer Assistance
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