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HDFC Bank Complaints & Reviews

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Updated: Dec 16, 2025
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A
ankurg
from Delhi, Delhi
Feb 23, 2019
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I opened a salary account in hdfc bank as bank representative visits my office premises to open account. Home branch in which account open is so far as i live in another city. Now i want to close my account as i really dont like the services of the bank personally but bank representatives stating that you have to come to our home branch but it is not possible for me to visit their home branch specially for closure of account as now these days i am living in another city that is too far. Also bank representatives warning me if i do not keep minimum banace, they will charge me and will put my balance in negative in account. Please help
Mar 28, 2019
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Feb 23, 2019
HDFC Bank Customer Care's response
Dear Customer,

Let us look into it for you. Please share your Account No., charges details 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.

-Anay
HDFC Bank Customer Assistance
Feb 23, 2019
Updated by ankurg
Requested details has been shared with hdfc on the mentioned email id .
Please have a look
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    Lintojohn
    from Perumbavoor, Kerala
    Feb 23, 2019
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    Iam linto john,
    I have one hdfc - sb account and one credit card associated with it.
    Last 4 years one assist company automatically debit money from my account. Every year after deducting money i complained to credit card section and i told them to cancel the auto payment option related with one assist plan. But banker says they have no right to cancel it, auto payment only cancel by one assist company only. I totally surprised about this type talk from india's largest pvt sector bank. Because i thought that i am the owner of my account take in my id, but i have no right to decide to which payments will make in my card. A third party company is decide what will do in my account. Third party company is take cash without my consent and i am liable to pay amount to hdfc bank. If i don’t make the credit card payment again penalty increase on my head. If you give right to take money for one assist automatically, please told one assist company to make payments related with my card. For what purpose i take this liability. What a irresponsible things from indians largest private sector bank. How can a firm can grow without satisfaction of the customer. If bank makes this type irresponsible job i am ready to cancel my account and credit card. I am working in a large shop, my management studied me customer is our god. This same thing is applicable to bank also. Please provide first preference to customer and secondly to third party company.

    Linto john
    Kerala
    [protected]
    23/02/2019
    HDFC Bank customer support has been notified about the posted complaint.
    Jul 06, 2019
    Updated by Lintojohn
    Till Now bank is not contacted me.But problem solved
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      S
      Supriya Harnal
      from Noida, Uttar Pradesh
      Feb 23, 2019
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      credit card

      Address: Hdfc bank credit card, Gautam Buddh Nagar, Uttar Pradesh, 201301

      I had missed a payment on my hdfc credit card and even after advising the recovery agents that it will be done in a few days i received threatening messages on my mobile saying the executive will come to my home and recover the full payment. Being a woman i feel it was extremely disgraceful and feel i should discontinue my business with hdfc. I feel that agent should be fired for such rude behaviour and making threatening calls to someone...
      +1 photos
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      sngupta28
      from Chennai, Tamil Nadu
      Feb 23, 2019
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      Address: Gautam Buddh Nagar, Uttar Pradesh, 201301

      I have got new atm card from hdfc card without any request.

      Now that card was working without asking atm pin so i went to bank and they said is should not be the case please hotlist the card so i did that.

      Now when i go for reissue of my atm card they are deducting rs 200.

      Why the hell i will pay for the wrong card which was itself sent by the bank. I have not asked for the new card.

      Hdfc bank seems to be doing a lot of fraud activities like this and earning money from our hard earned money.
      Apr 2, 2019
      Complaint marked as Resolved 
      HDFC Bank customer support has been notified about the posted complaint.
      Verified Support
      Feb 23, 2019
      HDFC Bank Customer Care's response
      Dear Customer,

      I request you to share your complete concern, account no./card no. 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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        C
        Charles Singh
        from Noida, Uttar Pradesh
        Feb 22, 2019
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        Address: indrapuram, Ghaziabad, Uttar Pradesh, 201010

        Mail sent on 14th jan

        Dear hdfc bank,

        To whomsoever it is concerned from your bank!!

        This is in regard to card no# 4854xxxxxx5211 owned by me, mamta poddar from last 10 years. I have always been a good customer of your bank since i owed this card. However, for last couple of months i am not in a positioin of making the payments on the above card. Though tried my best but its not posssible for me to make the regular payments on the account. Hence, decided to settle the balance on the account in order to avoid the infinte number of calls that i have been receiving on the daily basis. As i couldn't answer their calls in the weeks days due to my work timings, i expect to receive the calls on the weekend but no one is bothered to call me on saturday/sunday. Tried calling customer service department number of times to get this sorted but they are not helping me and asking me to get in touch with the collection department. When trying to reach the collections department their number doesn't seems to be working.

        Finally got a call from one of the collection agents and my husband discussed the whole situation explaining that the balance 2 lacs cannot be paid by us due to our financial conditions. Hence, want to settle the amount. However, the debt agency is not agreeing to the amount that we can afford to pay and is now harrassing me for last couple of days by paying regular visits to my home in order to collect the debt.

        I know i owe the amount but have made it very clear to the collection agents that i cannot afford to pay such a huge amount. Inspite of explaining again and again they are visiting my premises and harrassing that if dues are not cleared the matter will be further dealt legally.

        Though don't know much but is aware of the fact that as per the orders of the supreme cout & rbi the collector can contact the borrower via calls and letters but cannot visit their premises for collectrion. Things can be sorted mutually but the borrower cannot be harassed/forced to pay the debt if not in a position to pay.

        Want to bring it to your attention that its not that i don't want to pay the dues but can pay only what i can afford and therefore want these visits to be stopped asap. Request you to consider my complaint and make arrangements to stop these visits by the collection agents else, have to take the matter in the law of court/social media for the wrong practise attempted by your collection team.

        Hope my request will be considered and if the bank really want to collect the funds from me, should contact me via telephone and lets discuss and settle this off mutually.

        Regards,

        Mamta poddar
        [protected]/[protected]

        Yogesh poddar
        Jan 18, 2018, 6:47 am

        Dear team, we are yet to receive an update on the below complaint, any miss on this or collection officer visiting my place will make sure we will take this to

        Yogesh poddar
        12:56 pm (9 hours ago)
        To mamta, parag. Rao, aditya. Puri, grievance. Redressal

        Team,

        No update received on this till date, now your collection agency has started harassing us by calling our relatives and friends.

        Thank you so much for showing your true colour and wrong practise. This is already recorded for legal purpose and i will claim from you legally in any law of court.

        Your collection agent archana called my sister and harassed her saying if you do not pay we will kill you.

        Let's take this legally now.

        Regards,

        Yogesh poddar

        This email was written to hdfc today and i am submitting the said complaint against your bank for incorrect practise again after an year.
        Apr 19, 2019
        Complaint marked as Resolved 
        HDFC Bank customer support has been notified about the posted complaint.
        Verified Support
        Feb 25, 2019
        HDFC Bank Customer Care's response
        Dear Customer,

        We have taken note of your comments expressed with regard to your credit card, you may look forward to receiving a response to your e-mail id in 3 working days. The reference number for this interaction is[protected].

        -Zubin
        HDFC Bank Customer Assistance
        Saturday morning 23rd feb, 2019 again I got a complaint from the said lady and she said "tum log ne bank ka paisa khaya hain, tumhari society mein badnami kareynge, job se nikal dungi" and all that ###. all ### of hindi language which cannot be shared. We accept that their is a balance and we want to settle it however calling us like this and harrasing us and my wife is not a right procedure to follow.

        I ask HDFC managment to take all necessary action and if this is not stopped i will publish all the audio to social media and consumer FORUM. I am ready to settle the due but to my limit but pressurising like this would not make any difference.

        If this continues I will not pay anything to HDFC bank.

        Regards,

        Yogesh & Mamta Poddar
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          liton sinha
          from Dimapur, Assam
          Feb 22, 2019
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          Address: Dimapur, Nagaland, 797112

          Hello team,

          Thanks for reaching out. Please see below the information requested ;

          Date of refund - 5th jan 2019
          Refund amount - 11457.38
          Original debit transaction details (Purchase date and amount) referring your statement for which the refund is processed.- 5th dec 2018 and amount is rs. 11457.38
          Refund reference number[protected]
          Mode of refund - debit card

          Let me know if you need any other info. I would expect you to take an immediate action on this as i am not ready to do this task for my own money that i should be getting back without any hindrances. Also, attached is the screenshot of the email i had received regarding the purchase.

          Thanks for your help.

          Regards,
          Liton sinha
          +2 photos
          Mar 29, 2019
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Verified Support
          Feb 26, 2019
          HDFC Bank Customer Care's response
          Dear Customer,

          We are working on your concern vide Ref ID:[protected] and will revert to you in 4 working days.

          -Nadia
          HDFC Bank Customer Assistance
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            H
            Harshada lad
            from Mumbai, Maharashtra
            Feb 22, 2019
            Resolved
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            Resolved

            Address: Mumbai City, Maharashtra

            Dear team,

            I am harshada here.

            I worked in hdfc bank as bso (Casa) and didn't received my experience letter yet.

            My employee id is 170914.

            Please help me with this soon.

            Revert me as soon as possible.

            I am waiting for your valuable response.

            Thanks and regards,

            Harshada lad
            +1 photos
            Mar 30, 2019
            Complaint marked as Resolved 
            HDFC Bank customer support has been notified about the posted complaint.
            Verified Support
            Feb 24, 2019
            HDFC Bank Customer Care's response
            Dear Customer,

            Please share your employee code, supervisor's name, office location & contact on exit.[protected]@HDFCBank.com. We'll get back!

            -Zubin
            HDFC Bank Customer Assistance.
            Feb 24, 2019
            Updated by Harshada lad
            Dear Team,

            My details are as follows :-

            My Employee code -170914
            Branch - Matunga west, Mumbai, Maharashtra
            Supervisor name - Vishwas desle

            Please get back to me soon.

            I waiting for your valuable response.

            Thanks and regards,

            Harshada lad
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              G
              Gowrisankar95873
              from Hyderabad, Telangana
              Feb 25, 2019
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              Address: Begur, Bangalore, Karnataka, 560068

              Dear sir.
              I have credit card with HDFC bank they due to medical issues my father in unable pay the credit card payment hdfc collection agent visit my office address .
              And they aresment pay imdotailey please give a time I will pay and close the card
              My name . gowrisankar.m
              Card no.[protected]
              Card no .[protected]
              Please give time discuess with council I will pay the amount.
              Please help .don't visit my office ...and doing like cheater
              Mar 30, 2019
              Complaint marked as Resolved 
              HDFC Bank customer support has been notified about the posted complaint.
              Verified Support
              Feb 27, 2019
              HDFC Bank Customer Care's response
              Dear Customer,

              We request you to contact our Debt Management officers at[protected] / 67268002 with regard to your credit card outstanding or for any further clarifications.

              -Zubin
              HDFC Bank Customer Assistance
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                D
                Dattatraya Talekar
                from Bhusawal, Maharashtra
                Feb 22, 2019
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                Address: Ratnagiri, Maharashtra, 410505
                Website: Mobikwik wallet

                My card no. [protected] has been blocked by zaakpay. This is sick and an abuse of power by some newcomers in the market. I want a valid reason or my card be unblocked.
                I did not even know about this. I thought it was a server error. But when i tried to add money in my mobikwik wallet using this card. It said my card was blocked by zaakpay. I need that card and at this point i cannot afford to block it and re apply. Please assist
                HDFC Bank customer support has been notified about the posted complaint.
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                  P
                  puchi2207
                  from Kolkata, West Bengal
                  Feb 22, 2019
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                  Address: HDFC BANK LTD.GILLANDER HOUSE,8,N.S.ROAD,KOLKATA-700001, Kolkata, West Bengal, 700031

                  Mr. Agniswar das, sales manager of super premium cards (Hdfc bank credit card) and ms. Nupur came to my house nearing one month back & asked a copy of itr for a. Y.2018-19, which i handed over to agniswar & he assured for upgradation of my regalia card to infinia card, but till this date he did not contact me but i contacted him twice but he replied me to ring me back, unfortunately till this date he never called me.
                  How this type o[censored]nprofessional person will deal with the premium customers.
                  I am retired govt of india gr.'a' officer, myself & my wife has been maintaining two accounts and two credit cards with the bank for longtime so this type of behaviour was not expected from any bank person.

                  Pradip kumar basu & dipanwita basu, mob:[protected], [protected]
                  Mar 29, 2019
                  Complaint marked as Resolved 
                  HDFC Bank customer support has been notified about the posted complaint.
                  Verified Support
                  Feb 25, 2019
                  HDFC Bank Customer Care's response
                  Dear Customer,

                  We request you to log-into www.hdfcbank.com and please follow the below steps for downloading the upgrade form: Step 1: Choose " Forms Center" by follow the below-mentioned URL ( https://goo.gl/ri34nR ) Step 2: Once inside select Credit Card option and click on " Application for Card Credit Limit Increase / Card Upgrade ". On downloading the form, kindly fill up the same and forward it to the below-mentioned address: HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO, Chennai 600 041. All income / supporting documents as mentioned above will need to be self-attested (duly signed by you) on the document along with a signed letter. On receipt of the documents, we will review the card upgrade request on your card account and intimate you accordingly.

                  -Anay
                  HDFC Bank Customer Assistance
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                    Rajsuga
                    from Bengaluru, Karnataka
                    Feb 22, 2019
                    Resolved
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                    Resolved

                    Address: Sahakar nagar, 560097

                    I was trying to withdraw cash rs.1000 from hdfc bank atm using my axis bank debit card[protected] in sahakar nagar in bangalore.
                    Atm id:p1enbg31 metro atm but before receiving cash the machine got shut down due to power cut.. My debit card also struck in the atm at night 11.30 pm. So immediately i lodged a complaint at axis bank to block my card and amount which was not received nut still there is no response. Axis bank team said the atm is belongs to hdfc raise one complaint in hdfc also where as i dont have details to raise a complaint.
                    Mar 25, 2019
                    Complaint marked as Resolved 
                    HDFC Bank customer support has been notified about the posted complaint.
                    Verified Support
                    Feb 22, 2019
                    HDFC Bank Customer Care's response
                    Dear Customer,

                    We request you to contact the card issuing bank for further assistance.

                    -Manoj
                    HDFC Bank Customer Assistance
                    Hi, we request you to visit the following link to raise the dispute for the referred transaction. https://bit.ly/2us5Gcb. Regards, Team Axis Bank.
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                      Chethan BM
                      from Hunsur, Karnataka
                      Feb 22, 2019
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                      Address: BCC layout, Bangalore, Karnataka, 560040

                      Am chethan bm your credit card customer card no:[protected]. One of your credit card collection department executive name shwetha from b'lore richmond rd branch has the worst attitude, she don't no how to speak to the customer and using abusive slangs on customer. I apologise for my delay in payment but paid every month dues and cleard all dues as well.
                      +1 photos
                      Mar 26, 2019
                      Complaint marked as Resolved 
                      HDFC Bank customer support has been notified about the posted complaint.
                      Verified Support
                      Feb 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] / 67268002 for further assistance in this regard.

                      -Zubin
                      HDFC Bank Customer Assistance
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                        Shaila Panday
                        from Bengaluru, Karnataka
                        Feb 22, 2019
                        Resolved
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                        Address: 560025

                        I have a priority pass issued by hdfc against my regalia card. I used the same at the mumbai international airport on the 11th of nov 2018. I have been charged 1952.29 and igst 351.23 in my statement of 8/02/19.

                        I had been told that i was permitted to use the lounge free of charge at all international airport lounges. I cannot understand why i have been charged and how it has been reflected in my credit card statement when i did not present the same. Feel totally let down by hdfc whose customer i have been for a number of years. Besides the card is not accepted at any of the domestic lounges.
                        Mar 28, 2019
                        Complaint marked as Resolved 
                        HDFC Bank customer support has been notified about the posted complaint.
                        Verified Support
                        Feb 22, 2019
                        HDFC Bank Customer Care's response
                        Dear Customer,

                        I request you to share your account number/customer Id 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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                          Ashikjamal
                          Feb 22, 2019
                          Resolved
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                          Resolved

                          Address: Thrissur, Kerala, 0091

                          Dear sir
                          Without my knowledge 177 indian rupees deducted from my account it showing 3rd party cash tnx inc gst 190219
                          Mir[protected]
                          Ref number mir[protected]
                          It was date of 21/02/2019
                          Please do let me know what kind of charges your bank made from my account without acknowledgment
                          Ashik
                          [protected]
                          Please reply on my e mail
                          [protected]@gmail.com
                          Mar 28, 2019
                          Complaint marked as Resolved 
                          HDFC Bank customer support has been notified about the posted complaint.
                          Verified Support
                          Feb 23, 2019
                          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.

                          -Nadia
                          HDFC Bank Customer Assistance
                          Since i had call to customer care of your bank but they did not solve my problem of refund i am not getting answer from customer survice i have return 2 of product purchased date is 22 01 2019 and return it on 28 01 2019...plz kindly refund me back
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                            R
                            from Mumbai, Maharashtra
                            Feb 22, 2019
                            Resolved
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                            Resolved

                            Address: C-23 LACHMI GOBIND APTTS, FOUR BUNGLOW ANDHERI WEST, NEXT TO STATE BANK OF INDIA, Mumbai City, Maharashtra, 400053

                            Dear all, my name is ramandeep ahluwalia, i am very old customer of hdfc, recently i suffered from a huge financial loss and am out of job due to which i missed two payments of hdfc. I have explained this to the calling agent that i need some time to normalise every thing. But to my surprise instead o[censored]nderstanding my situation am getting continuous call form your agent and even threatening me.. Girl by the name sneha is call and using a very non professional approach n claiming to be n hdfc employee. I have addressed this issue to the nodal team also. See am going through a severe stress and i need time bring my finances back to normal. But with speed am getting back to back calls from this agent via this number [protected]i can even attain my interview calls which are upmost important to me.. If this is case and kind of followup by hdfc i might land up in hospital with nerves break down. Who will be responsible then. I am once retreating that i need some time to clear the outstanding i have full intentions to pay.. Would request you to please take up this issue
                            Mar 27, 2019
                            Complaint marked as Resolved 
                            HDFC Bank customer support has been notified about the posted complaint.
                            Verified Support
                            Feb 22, 2019
                            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 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].

                            -Manoj
                            HDFC Bank Customer Assistance
                            I have completed the two wheeler loan amount but till date i have not received my NOC.
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                              Alok Tanwar
                              from Bengaluru, Karnataka
                              Feb 22, 2019
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                              amount deducted but ticket not booked nor get refunded

                              Address: Palwal, Haryana, 121102

                              Actually, I made a payment through HDFC credit card, to the merchant cheap ticket.in on 17 JAN 2019. The amount Rs 2495 has been deducted from my credit card and not booked even ticket, not I received my amount back, so I'll request you to please refund my amount back to my card or account.

                              Ph num: [protected]...
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                              murugan637502
                              from Chennai, Tamil Nadu
                              Feb 22, 2019
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                              Address: salem, Salem, Tamil Nadu, 637502

                              Lll take the HDFC Easy EMI loan on past 6 month ago and am not get loan account number and loan statement on HDFC BANK many time ill go to HDFC Bank for statement purpose and ill call customer care also but no one is response me please take this request to am getmy Statement.
                              my customer id 71469288
                              HDFC Bank customer support has been notified about the posted complaint.
                              Dear sir/mam,
                              Pls suggest me that how to get my car loan statement, loan a/c no-:52413979.Bcz i'm also request to bank employee for statement but no response.now urgent need.but i don't know that how to collect my statement.so pls help me for this matter.
                              Hi
                              My name is dilip singh rathore, cont no-:[protected]...I closed the HDFC Bank Credit Card account from 08 .11.2018, but excess rupees 549 depositing in this account, so please suggest me how to getting again my money.
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                                Manisha Katarya Dalal
                                from Gurgaon, Haryana
                                Feb 21, 2019
                                Resolved
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                                Resolved

                                Address: D-14, Maharani Bagh, New Delhi, Delhi, 110065

                                Phone no. [protected]
                                Manisha katarya dalal
                                Hdfc customer
                                I have 2 issues
                                1. Multicurrency forex card not getting activated - i have tried ipin/webpin in the kit yet the card is not getting activated.
                                2. I had asked for delivery of chip debit card. There is no info of any card dispatch and my webbanking shows the not received card as active debit card. This raises security concerns of the debit card facility. Please resolve
                                Mar 28, 2019
                                Complaint marked as Resolved 
                                HDFC Bank customer support has been notified about the posted complaint.
                                Verified Support
                                Feb 23, 2019
                                HDFC Bank Customer Care's response
                                Dear Customer,

                                Request you to write to write to [protected]@hdfcbank.com mentioning the forex card number, to enable us to check. Further, the debit card is sent to your mailing address through Bluedart Courier on Feb 22, 2019. You may look forward to receiving the same shortly.

                                -Zubin
                                HDFC Bank Customer Assistance.
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                                  A
                                  aravind kumarappan
                                  from Bengaluru, Karnataka
                                  Feb 21, 2019
                                  Resolved
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                                  Resolved

                                  Address: Bangalore, Karnataka, 560076

                                  HDFC Bank — fastag entry adjustment

                                  On Feb 17, I travelled from Bangalore to Tirupati and returned by 18 night.

                                  In all toll plaza fastag got charged successful and I also got the sms for the same

                                  All the barriers opened and there was no problem at the toll plazas

                                  However, today 21 feb all of the sudden I got a msg that 350 debited as adjustment entry

                                  I have no clue about the 350 adjustment amount
                                  It seems excess amount has been deducted from my account

                                  HDFC fastag never answers a call
                                  +1 photos
                                  Mar 28, 2019
                                  Complaint marked as Resolved 
                                  HDFC Bank customer support has been notified about the posted complaint.
                                  Feb 21, 2019
                                  Updated by aravind kumarappan
                                  My fastag pH no [protected]
                                  Customer I'd[protected]
                                  Verified Support
                                  Feb 25, 2019
                                  HDFC Bank Customer Care's response
                                  Dear Customer,

                                  Request you to contact Helpline Number at[protected] or 1033 from Mobile/Landline mentioning the Fastag reference number and transaction details, who will assist you further.

                                  -Zubin
                                  HDFC Bank Customer Assistance
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                                    S
                                    samir07
                                    from Hyderabad, Telangana
                                    Feb 21, 2019
                                    Resolved
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                                    Resolved

                                    Address: Hyderabad, Telangana, 500081

                                    Hi, i open salary account in hdfc 1 years back but after some time i moved. After that i changed company have tie up with other bank account. Recently i changed new company. The new company have using only hdfc salary accounts. But my hdfc existed old salary account showing -4495 balance.
                                    The bank converts my salary account converted into savings account & charged monthly.. Now its 4495 negative balance. Without my permission how can the bank convert my salary account into savings account? Even they are not intimated verbally... According to rbi guidelines on savings account banks not charge even its negative balance.
                                    Mar 6, 2019
                                    Complaint marked as Resolved 
                                    HDFC Bank customer support has been notified about the posted complaint.
                                    Verified Support
                                    Feb 22, 2019
                                    HDFC Bank Customer Care's response
                                    Dear Customer,

                                    The special facilities offered on the Salary Account is pursuant to the arrangement between the employer/company and the Bank. These benefits are extended by virtue of your employment in the organization, on whose request the account is opened with the bank and subject to regular salary credit. In the event of no salary credits in the Salary Account for any continuous three months, the Bank reserves the right to change the status of Salary Account to Savings Regular Account without any intimation to the account holder/me and the Terms & Conditions as applicable to the HDFC Bank Savings Regular Account shall apply to this account from the date of change of status. The Terms & Conditions and features applicable to Savings Regular Account are published on the website of the Bank. Please visit https://bit.ly/2JgzzR7 (For Terms & Conditions) https://bit.ly/2D62CbT (On charges applicable for the Regular Savings Account) As the Average Monthly Balance (AMB) of Rs. 10, 000/- was not maintained, said charges are levied. We would like to inform you that there is an outstanding charge [AMB, Insta alert etc...] on your account to be recovered. Hence we request you to maintain a sufficient balance in your savings account or transfer the same so that the charges can be recovered. For further assistance on your outstanding charges, we request you to visit your account branch. Due to non-operation for a period of 2 years, your account has been classified as "Dormant". In order to activate your account you are requested to Submit a written instruction signed by all applicants along with ID and address proof at the nearest branch You will need to carry the originals for verification Additionally, you will need to initiate a credit or debit transaction to activate the account. To keep your account active, please ensure that the transactions are carried out on a regular basis. You may visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers: https://bit.ly/1F3hhQ8.

                                    -Zubin
                                    HDFC Bank Customer Assistance
                                    Feb 25, 2019
                                    Updated by samir07
                                    and what about the RBI guidelines, HDFC is out of that.
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