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HDFC Bank Complaints & Reviews

2.9
Updated: Dec 16, 2025
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HDFC Bank reviews & complaints page 783

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V
Vishal Vir
from Delhi, Delhi
Feb 1, 2019
Resolved
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I have purchase dslr camera from croma store owned by tata on friday[protected], i have been told that i will receive 2000 cashback and i have clicked a photo of that offer just to be sure that they will not refuse in future i have not recieved any cashback and when i called the bank regarding the same they will not entertain you and hang up the phone on you very bad customer service by hdfc bank. This offer is a scam by hdfc bank.

For resolution contact :[protected]@gmail.com
Mar 5, 2019
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Feb 01, 2019
HDFC Bank Customer Care's response
Dear Customer,

Let us look into it for you. Please share your Account No./Card No. with registered contact info, the complete issue along with the offer details 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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    Paparao Bhukya
    from Buxar, Bihar
    Feb 1, 2019
    Resolved
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    Resolved

    booking failed and money not refunded

    Address: Mumbai City, Maharashtra, 400051

    I paparao bhukya booked one ticket from mumbai to hyderabad on march 15th 2019. And my ticket booking details are :

    Booking date : 21st january 2019 for air india ai - 619 using payzapp mobile app from 19:30:00 (Bom) to 20:45:00 (Hyd).

    Order id :[protected].
    And the toatl amount got deducted was rs. 1640/-.

    I recieved a mail from smartbuy states that "your flight booking has failed.in...
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    sachinyadav999
    from Gurgaon, Haryana
    Jan 31, 2019
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    Address: 122017

    Hi Team,

    I am writing this mail regarding my credit card balance payment. my credit card number is [protected] which is currently blocked six months back an amicable settlement was done on this card but there was some balance amount which was left, I want to clear that amount now so that there is no effect on my CIBIL but i went to the bank they were unable to tell me the balance & also how to make payment for that. I have tried all your customer care number regarding this matter but unfortunately they are unable to provide any progress in this.it's my last hope from such a big bank to clear this It would be helpful if you can let me know how to solve this matter how to make the payment and after that who will update this in my CIBIL report.

    Details below;
    Name : Sachin yadav
    Card number: [protected]
    Contact number: [protected]
    HDFC Bank customer support has been notified about the posted complaint.
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      Bheem Raja Shekhar
      from Cuddapah, Andhra Pradesh
      Jan 31, 2019
      Resolved
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      Address: Khammam, Andhra Pradesh

      Recently (December-2018), i opened a savings account in hdfc bank. They issued me platinum debit card without giving any details about platinum card issuance fee and its annual charges. Now this month, they debited an amount of rs. 885 as debit card issuance fee without giving any intimation like message or email to me. As i would like to request the hdfc branch management to refund the amount.
      Thank you
      Regards
      Rajashekhar
      Feb 2, 2019
      Complaint marked as Resolved 
      Amount was refunded and annual fee for this year is waived off, but if we continue to use this card, we need to pay the annual fee for next year as told by the bank manager.I would like to thank hdfc bank management and branch manager Mr.Ramakrishna for fast resolving of the problem.
      HDFC Bank customer support has been notified about the posted complaint.
      Verified Support
      Feb 04, 2019
      HDFC Bank Customer Care's response
      Dear Customer,

      We understand that you have visited the branch and our branch official has resolved your query.

      -Zubin
      HDFC Bank Customer Assistance
      Sir I am payment credit card but not payment credit card ...
      I added 2000rs in payzapp wallet from my credit card but unfortunately that amount is not able to transfer due to kyc issue...I don't have kyc update option on my payzapp account it is very urgent transfer amount to other person if there is someway pls say... Pls do the needful will grateful for u..
      I'm not getting OTP for netbanking and other online transaction done using my airtel mobile number.Im living in sweden now

      I'm able to do otp transactions using my credit card, but not using netbanking.

      Please resolve as soon as possible.
      Dear sir

      i m applying a loan against my credit card limit so plz cancel this loan .due to adress change n dd is nt rec in same address.so plz cancel my loan request n my limit credit to my balance..
      credit card no - 0375

      Regards
      sanchit patel
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        A
        ab199002
        from Pune, Maharashtra
        Jan 31, 2019
        Resolved
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        Resolved

        Hi,

        I had a salary account with hdfc bank which goes converted to saving account in march 2017 when i left my job. I had to settle back to my hometown as i have some personal reason and since than
        I am not able to visit the home branch. When i visited to local branch and asked them to close my account then they said they are not able to do so as account has -8584 rupees balance negative and they asked me
        To take zero account balance then only they will close the account.

        I can not visitto home branch because ny current condition does not allow me to do so. I can only visit the local branch and they are asking me to take my account in
        Zero balance to close.
        Please waive off the occured nin-maintainence charges of -8584 from my account so that i can get this account closed.
        I am unable to pay this amount as i am financuialy not able to paythis

        If only home branch can take care of this issue then please arrange a call from my home branch so that i will convey message to them

        Details are as below:

        Name: abhinav pareek
        Account number: [protected]
        Branch name: yagnik road rajkot (Gujarat)

        Mobile number: [protected]
        Feb 8, 2019
        Complaint marked as Resolved 
        HDFC Bank customer support has been notified about the posted complaint.
        Verified Support
        Feb 01, 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
        HDFC Bank Customer Assistance
        I need to speak any credit card associate to dicuss my concern in regards for NOC & settalment paper

        [protected]
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          P
          Parabankita2018
          from Mumbai, Maharashtra
          Jan 31, 2019
          Resolved
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          Resolved

          Address: 401107

          My bank accont was salary a/c and after leaving job, a/c automatically converted into saving a/c (A/c no - [protected]). It was not had been used by me for some months and after some months, it converted into salary a/c. After crediting my first salary, bank charged me total 2262 rs which is troubling me. Without any intimation they charged me such charges which is not accepteble.

          The important thing is they charged double charges for a single month.

          On other hand, my friend (A/c n0 - [protected]) was in same scenario. Her a/c was not maintained for 2 years but no any charges charged by bank for her a/c.

          This harressment is not faced by me before, by any bank for any reason.
          Mar 5, 2019
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Verified Support
          Feb 01, 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
          HDFC Bank Customer Assistance
          Dear sir

          My Name is Gulam Nabi and I am using saving account on your bank

          my account no.[protected]

          Please check my account add Rs 1003 and 177 Rupees Extra charges
          HDFC BANK, Third party cash deposit with limit of 25k, charging 100+ and this is really cheating . We are deposited our own cash .. In case if we ask for interest for the same, Did they give ? Please tell me . Totally exploitation .
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            S
            Sachin Kavilkar
            from Chandigarh, Chandigarh
            Jan 31, 2019
            Resolved
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            Address: 411026

            The transaction got declined from the atm - slip also came out for the same but the same amount has been debited by hdfc in my account...

            Transaction details :-
            Date narration cheque/ref. No. Value date withdrawal
            30 jan 2019 nwd-512967xxxxxx0619-b1291900-pune[protected]jan 2019 10, 000.00

            Debit card details :-

            Card no. Status
            5129xxxxxxxx0619 active

            I would like to get the rs 10000 refunded in my bank account on urgent basis...
            Mar 4, 2019
            Complaint marked as Resolved 
            HDFC Bank customer support has been notified about the posted complaint.
            Verified Support
            Feb 01, 2019
            HDFC Bank Customer Care's response
            Dear Customer,

            Your request for customer dispute has been logged. The complaint id no. is 1808166. As an HDFC Bank customer, when you transact at a non-HDFC Bank ATM the transaction is routed through ATM networks authorized and governed by the RBI. As per the extant RBI guidelines, disputes pertaining to non/short dispensation of cash need to be resolved by way of Charge Back, wherein the card issuing bank raises a chargeback on the acquiring bank whose ATM was used to conduct the transaction. The acquiring bank has to revert with a valid proof in the form an ATM Log indicating that the funds were successfully dispensed failing which the customer’s account will be credited within 7 working days from the date of the complaint. Furthermore, as per the network operating guidelines, the ATM log is sufficient and conclusive proof of successful cash dispensation.

            -Nadia
            HDFC Bank Customer Assistance
            Hello
            write off showing in my cibil score report, i not paid dues, now loan applications will rejected how to clear thisplz suggest me, if i paid the dues it will possible to appove in future applications.
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              S
              sujata wadhawan
              from Delhi, Delhi
              Jan 31, 2019
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              Address: Jalandhar, Punjab, 144003
              Website: hdfc bank

              Dear Sir,
              I am SUJATA had availed credit of Rs. 80000 for the EMI payment against Country Holiday Inn & Suites,

              Brief summary of the matter.
              1. 12 months EMI for credit of 80000 was repayed by total Rs. 89101/- by me in 12 months only.
              2. The details of payment are in below trail mail.
              3. Reason for delay in Payment : one EMI was returned from my account however i had sufficient balance as per my knowledge as I had checked my saving account and it showed a balance of Rs. 11682/- but later the local branch confirmed that it is the cummulative amount of all my accounts and joint accounts shown on the main page .
              4. Action taken by me:This was discussed with customer care executive and they told me that auto debit system can not be made applicable now but I will not be levied any extra charges for the late payment and so after that I made manual payments.
              5. i made all the payments. But still My credit card has also been stopped. My debit card has been stopped.

              Date Amt.
              02-Nov-17 7220.66
              03-Dec-17 7400.66
              02-Jan-18 7386.66
              02-Feb-18 7372.49
              05-Mar-18 8538.14
              02-Apr-18 7343.61
              03-May-18 7328.9
              02-Jun-18 7314.01
              payment of Rs. 7300 is also made on 03.09.2018
              And final installment of Rs. 7300 was paid on 04.10.2018

              Please look into the matter, all response I am getting is the automated mails and answering machines. On the other side threatened by notice for payment and freezing of my account.

              Regards
              Sujata
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                S
                S Karthi
                from Chennai, Tamil Nadu
                Jan 31, 2019
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                Address: Thoothukudi, Tamil Nadu, 628003

                I have applied for the fastag on 19 dec 2018. After continues callds and mails l. My tag account opened on 9jan. But still i have not received mytag. When ever i call asking to send mail. My hfrnuber is HFR094703. I received a call on jan 9th 2019 as tag dispatched via useless dtdc. But not yet received.Kindly send the tracking number. So that i can track in courier office
                Fursted services or send me how to close the account
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                  S
                  sudip17pal
                  from Pune, Maharashtra
                  Jan 31, 2019
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                  Resolved

                  Address: Thane, Maharashtra, 401107
                  Website: www.hdfcbank.com

                  Amazon has initiated an refund with transaction reference no 044757 amounting to rs 1309 on 21st jan 2019. But even after 5 working days the amount has not been credited to my credit card ending 9766. Also put up several mails regarding this to hdfc bank but no one dare to contact me over phone calls or response to my e mails. So please look into this matter on priority.
                  Mar 3, 2019
                  Complaint marked as Resolved 
                  HDFC Bank customer support has been notified about the posted complaint.
                  Verified Support
                  Jan 31, 2019
                  HDFC Bank Customer Care's response
                  Dear Customer,

                  We have taken note of your comments expressed and you may look forward to receiving a response to your e-mail id by today (January 31, 2019). We request you to bear with us in the interim. The reference number for this interaction is[protected].

                  -Manoj
                  HDFC Bank Customer Assistance
                  Feb 01, 2019
                  Updated by sudip17pal
                  Please provide me with the Dispute Id.

                  Sir my customer id 59455576... Adhoc stmt chgs charge kese laga mughe nhi pta mera balance 107 cut gya hai please refund my balance please...

                  refund initiated by amazon but not credited by hdfc bank even after 5 days - Comment #3338794 - Image #0
                  Respected Sir/Mam

                  I had applied for a credit card though HDFC bank c/m Id:72056318 last two months back, it as showing in my net banking account card last four number is 3205 but still I dent received through, Kindly look at this issue and help me out.
                  Thank's...
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                    P
                    priya2688
                    from New Delhi, Delhi
                    Jan 31, 2019
                    Resolved
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                    Address: New Delhi, Delhi, 110023

                    I have taken an auto loan for my car in june 2018. I have been a regular and punctual payer of my monthly emis since then, however, due to some unavoidable personal circumstances, i could not pay my last emi for the month of january 2019. I informed this to the bank that i need sometime to pay my emi due to fund issues. So, the bank employee savita saini, phone no. +[protected], started calling me again and again and talked to me in a very abusive and rude tone over the phone, calling me a fraudster and embarrassing me with her sentences such as - if you could not pay the emi, then why did you take the loan? I told her that i am not denying to pay the emi, however i need some more time because of the sudden issue that happened to me. She handed the phone over to devender rana and he was in fact more rude and abusive. I only told him that only because i maintained such good balance in my account that you approved my auto loan and i still take the responsibility to pay back my loan but he kept pushing me hard to borrow money from other people and do illegal means of work to pay the emi now. I refused to listen to him and that’s when he started telling me that that’s why you should not feel bad about the language we use at the bank if you fail to repay your loan. I told him that i am not denying to repay, i just need some more time. He then started to threaten me that we will send bank people to your home and office addresses who will insult me in public.
                    I have been a valuable customer to hdfc since 2016 and as per my records, i have maintained a very good balance in my account, but due to some personal circumstances, i am in a state where i need some more time to repay my emis with the bank. I am not absconding anywhere, neither i am denying to pay back. Please consider my status with you for last three years and my current situation, and grant me some time to repay my emis not harming my respect and dignity. And also, please don’t torture and harass me by letting such people call me in the name of recovery of loan amount. If they call me and harass in this difficult time of mine, i will personally file a case against them for torturing me with abuses and undignified comments over my status and abilities. I only need some time and nothing else. Thanks.
                    Mar 11, 2019
                    Complaint marked as Resolved 
                    HDFC Bank customer support has been notified about the posted complaint.
                    Verified Support
                    Jan 31, 2019
                    HDFC Bank Customer Care's response
                    Dear Customer,

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

                    -Manoj
                    HDFC Bank Customer Assistance
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                      W
                      Whattosaynow
                      from Bengaluru, Karnataka
                      Jan 31, 2019
                      Resolved
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                      Resolved

                      Address: Bangalore, Karnataka

                      Dear sir, i am working in hdfc bank as a personal banker in one of metro cities of our country. I joined hdfc bank as a fresher just after the completion of my mba. My six months are about to complete now.

                      Let me tell you the harsh reality of this bank.

                      From last two and half months i have been suffering from severe cervical and spondylitis pain. Initially i managed to work while having pain but now the pain has increased so much that it is not possible for me to continue working well with this unbearable pain.

                      Because of this pain, i decided to resign from my job with the hope that the bank will understand my situation and will provide me early relieving.

                      But when i talked to the hr, he told me that i have to pay one month salary to the bank then only i will be relieved.

                      I have submitted all the medical prescriptions, reports, xray and bills to the hr, branch manager and to one of their senior.

                      My question is if an employee has a health issue which is so serious that he can't continue doing the work, doesn't he has the right to get relieved without serving the notice period?

                      Apart from this there are so many other negative things which i would like to tell you about this bank.

                      • we are always told that we can leave the office by 6:30, but the reality is that we have to work till 8:30 and 9:00. We can't come to the branch 5 minutes late but they don't let us go on time, never ever.

                      • recently i was compared to the house keeping staff of my branch just because i made a small mistake in preparing an annexure. I mean who compares you with an housekeeping staff that this work can be done by housekeeping staff also.

                      • every morning there is a mental torture in the morning meetings - everyday we are given big targets which are almost impossible to do. They will run drive every second day and ask us to do something which is not possible. 5 personal loans in one day. 10 rds in one day. And some similar [censored] like this only.

                      •branch manager pins for savings account, current account, rd, fd, li, hi, pl, al, hl, mediclaim every hour without a fail

                      • it is not a branch.. It is a jail. Seriously i feel like i have been trapped in the jail. This is not a bank. This is sabzi mandi. Even worse than that.

                      • negative environment of the branch. There is no motivation from the branch manager to work and to achieve targets. She can only do shouting and insulting employees.

                      • not treating the non home branch customers well - if a customer is non home branch customer - my bm will ask me not to take any form from him like address updation form, name change form, pass book updation etc etc

                      • if a customer is giving some business then only he will entertained otherwise he will be shown the way outside.

                      • not trusting the employees. My branch manager thinks that everyone is making fool of her. She never trust her employees.

                      • always try to insult and pressurise the employees. It is her habit to pressurise and torture her employees everyday everytime.
                      Mar 17, 2019
                      Complaint marked as Resolved 
                      HDFC Bank customer support has been notified about the posted complaint.
                      Verified Support
                      Jan 31, 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!

                      -Manoj
                      HDFC Bank Customer Assistance
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                        V
                        venkata surendranath yenigalla
                        from Hyderabad, Telangana
                        Jan 31, 2019
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                        Address: 500090

                        I have applied for hdfc fast tag through online one month back and paid 500 rupees, but till date i have not received the fast tag.
                        I have submitted the all required proof of documents through email and my applicatipn number hfr095315.
                        There is no action & responce from customer care.
                        I have never seen this kind of poor custmer service. Please don't buy this product.
                        Dear Customer,

                        We understand that the FasTag Team has emailed you and sent a KYC email. However, they have not received your reply to the email sent. We request you to kindly reply to our FasTag Team on the email sent to you.

                        -Zubin
                        HDFC Bank Customer Assistance
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                          V
                          vishwa 685
                          from Bengaluru, Karnataka
                          Jan 30, 2019
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                          Address: Dharwad, Karnataka, 580020
                          Website: hdfc

                          I have got two wheeler loan for my hero honda splender . Reg.No. Ka-25-u-685 in[protected], through centurion bank- hubli branch. Completed the hp loan. After completion of the loan i have not received the original r.C. Book from bankers and also i have not received the noc. We need the noc., how to proceed further . With regards, from.Vishwanath r . #168 opp sahadev nagr old hubli hubli 580020 . Contact no.[protected] herohonda splender- chassis no.03c20c00655, engone no.03c18m00615
                          HDFC Bank customer support has been notified about the posted complaint.
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                            Mayank Garodia
                            from Surat, Gujarat
                            Jan 30, 2019
                            Resolved
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                            Resolved

                            Address: Surat, Gujarat, 395007

                            I had booked a flight ticket through smartbuy hdfc and cancelled it on 5th january 2019. But till now i didn't recived my refund. They are saying that the refund had done and giving many numbers to contact for refund. I am giving you my order id of smartbuy please help me to get the refund.
                            Order id[protected]
                            Order date 28-nov-2018 12:41:44
                            Amount of refund to recive 4260/-rs
                            Mar 7, 2019
                            Complaint marked as Resolved 
                            HDFC Bank customer support has been notified about the posted complaint.
                            Verified Support
                            Jan 31, 2019
                            HDFC Bank Customer Care's response
                            Dear Customer,

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

                            -Manoj
                            HDFC Bank Customer Assistance
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                              Krish2018
                              from Hyderabad, Telangana
                              Jan 30, 2019
                              Resolved
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                              Resolved

                              Address: Hyderabad, Andhra Pradesh, 500016

                              Hi,

                              Hdfc life staff seem to be only interested in new customers who are ready sign up and least bothered about people who like to surrender. After horrible customer service from hdfclife, i am submitting a complaint here as no one is responding about my policy surrender.
                              Policy no.: 13966152
                              Service request no. Is 1-[protected].
                              After circulating their office number of times and even after submitting all the required documents, no one is responding to my policy status. Also, they try really hard to convince you to buy a policy in lieu of surrender and if you don't buy one, they don't care to hear your concerns.
                              Awful customer service and worst experience with the staff. Hope someone is listening to my problem and i get my refund asap.

                              Best regards,
                              Jyothi
                              Mar 3, 2019
                              Complaint marked as Resolved 
                              HDFC Life customer support has been notified about the posted complaint.
                              Verified Support
                              Jan 31, 2019
                              HDFC Life Customer Care's response
                              1) Hi, if policyholder have any unresolved concern with respect to his/her HDFC Life policy. Kindly inform to the customer that write to us at [protected]@hdfclife.com from his / her registered id to have the same look into and addressed. Alternatively, policyholder can visit nearest HDFC Life branch.
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                                B
                                Boopathy selvam
                                from Hosur, Tamil Nadu
                                Jan 30, 2019
                                Resolved
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                                Resolved

                                worst behaviour towards customer not even helping the customer out

                                Address: Pondicherry, Puducherry, 605010
                                Website: Worst customer service

                                I requested for a simple bank statement the front desk guy requested me for a proof i told ok and i gave him the proof then hes requesting me to to take xerox apart from that another thing the man at the front desk what he has stated come in the afternoon is this the way he responds to a customer. If he is to inform that i have to come in the afternoon means why is the bank open in the morning, worst behaviour of interactions from the hdfc...
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                                Archana Nath
                                from Lunglei, Mizoram
                                Jan 30, 2019
                                Resolved
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                                Resolved

                                Address: 788004

                                Dear sir/ mam
                                This is regarding very rude, arrogant misbehavior one of your executive of guwahati branch, i do not know her name but i can give the mobile no. [protected] from this number she talked to me in a very rude way and misbehaved. If they are well educated then how they can talk like this. So this is very disappointing.
                                Kindly look the matter with appropriate justification.
                                Mar 5, 2019
                                Complaint marked as Resolved 
                                HDFC Bank customer support has been notified about the posted complaint.
                                Verified Support
                                Jan 30, 2019
                                HDFC Bank Customer Care's response
                                Dear Customer,

                                Sorry to hear about your experience. We'd like to help you resolve this. Please write to [protected]@hdfcbank.com with details of your issue, the complete address of the branch where you visited for better assistance. 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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                                  N
                                  Ncvijaya
                                  from Visakhapatnam, Andhra Pradesh
                                  Jan 30, 2019
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                                  Address: Rangareddy, Andhra Pradesh, 500068

                                  I have emi loan account with hdfc [protected] due to insufficient balance my emi was not deducted and later hdfc customer care service called me up and gave me an option to pay the amount through any net banking so i paid it through my other account which is not my regular account.they have confirmed that they have received my payment but later on the same day they have deducted my amount again from my regular account. Please resolve this issue and recredit my amout at the earliest.
                                  HDFC Bank customer support has been notified about the posted complaint.
                                  Jan 30, 2019
                                  Updated by Ncvijaya
                                  Please resolve this asap
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                                    Vasanthan D
                                    from Hosur, Tamil Nadu
                                    Jan 30, 2019
                                    Resolved
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                                    Resolved

                                    Address: Pondicherry, Puducherry, 605008

                                    Hi on march 2018 i got a jumbo loan from hdfc bank of inr 2.5 lakhs to pay my credit card emis and existing card loans which was around 2 lakhs, the customer care agent told me to transfer the amount to my credit card account, therefore my old loans in my card will be closed and only my jumbo loan will continue. I believed her and transferred the amount to my credit card. But hdfc bank did not close my old loan rather only my account showed -2lakhs, i saw the statement only after 3 months and i thought it is an emi offer and swiped for inr 86, 000/- but then i realised that it is deducted from -2lakhs... And every month emi was getting deducted from the -2 lakhs... Now from my end i am ready to pay inr 86, 000/- and i want hdfc to close my old 2lakhs loan which they never did, i don't have proper job and i cannot keep paying my old loans which i already paid.. Pl help me..
                                    Mar 3, 2019
                                    Complaint marked as Resolved 
                                    HDFC Bank customer support has been notified about the posted complaint.
                                    Verified Support
                                    Jan 30, 2019
                                    HDFC Bank Customer Care's response
                                    Dear Customer,

                                    We request you to write to [protected]@hdfcbank.com elaborating your concerns from your registered e-mail address to enable us to check and assist further. 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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