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HDFC Bank Complaints & Reviews

2.9
Updated: Dec 16, 2025
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HDFC Bank reviews & complaints page 913

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A
AngelEiji
from Bengaluru, Karnataka
Jul 28, 2018
Resolved
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Address: Bangalore, Karnataka, 560043

Dear sir,

I am a regular loan repayer.. Since i'm in my maternity break i was unable to make a payment for july 2018. But the collection executive mr. Nagraj is harassing me every single day. I being pregnant it has been causing a lot of stress and mental torture. Even though i have mailed hdfc bank for a month time to repay and also got a permission for the same. He is insisting on me making my payment or he will drag me to the police station. I have asked him to please send me a legal copy for the same which he doesn't have.. He is abusing me and also someone else is calling my friends, family members and torturing them to repay. I have never defaulted my payments. Just for one payment he is torturing me to the core. I need a resolution immediately.. And i don't want such people to ruin my peace. Fyi m not a regular defaulter. I just missed one payment since my salary has been stuck due to maternity leave. Please consider my request and look into this matter.
Aug 29, 2018
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Jul 29, 2018
HDFC Bank Customer Care's response
Dear Customer,

I request you to share your Loan Account No. 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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    R
    Raaghavi Chinns
    from Chennai, Tamil Nadu
    Jul 28, 2018
    Resolved
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    Resolved

    Address: Chennai, Tamil Nadu, 600042

    I have lost my hdfc food card and re-issued new food card.
    By mistake, i failed to update new food card details in my salary definition so that my money is transferred to lost food card

    Kindly, can you please transfer the balance amount of my lost food card into new hdfc food card ([protected])

    Even dropped mail to 'prepaidcards. [protected]@hdfcbank.com' but no response and also tried to call - call centre number given in foodplus card.. Prepaid card options given is only for forex cards and no options for foodcard. I also contacted velachery main road hdfc branch but he said they will not deal anything related to foodcard
    Sep 2, 2018
    Complaint marked as Resolved 
    HDFC Bank customer support has been notified about the posted complaint.
    Verified Support
    Aug 02, 2018
    HDFC Bank Customer Care's response
    Dear Customer,

    We like to confirm that fund transfer has been done as per your requirements. Please feel free to write to us at [protected]@hdfcbank.com for any further assistance/clarification and we shall be glad to assist you.

    -Anay
    HDFC Bank Customer Assistance
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      R
      Rangya
      from Tumkur, Karnataka
      Jul 28, 2018
      Resolved
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      Resolved

      Address: 560037
      Website: Consumercomplaints.in

      I am troubling a lot to get though my charges remove from my bank account but hdfc bank is not helping me in rectifying.. They are not even closing the account or refunding my deducting charges which i was promised.
      That is only my bread and butter and bank is consuming my money like this means... Where is the justice.
      My bank branch is in karthik nagar and nobody is taking care of my issue.. Deepika (Karthik nagar branch employees) assured me that i will get my refund and now she is not responding now and they are keep on charging the maintenance fee though i submit to close the and remove the charges and refund me. Please help me and refund my money.
      Sep 6, 2018
      Complaint marked as Resolved 
      HDFC Bank customer support has been notified about the posted complaint.
      Verified Support
      Jul 28, 2018
      HDFC Bank Customer Care's response
      Dear Customer,

      I request you to share your account/customer Id, charges details, issue, complete address of the branch you visited 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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        S
        SpriteVikas
        from Bahadurgarh, Haryana
        Jul 28, 2018
        Resolved
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        Resolved

        Address: Jhajjar, Haryana, 124507

        Hi,

        I have a salary account in hdfc bank, acc no -[protected]. Bank has issued me a credit card which i would like to get closed. So i visited hdfc bahadurgarh branch on 23 july 2018 to apply for closure of my credit card. They asked me to write an application and submit it which i did. However even after 7 days i have not received any notification from the bank for the same. I tried contacting cusatomer support but seems like they do not entertain such cases. I request you to look into the matter and please proceed for closure of my credir card.
        +1 photos
        Aug 31, 2018
        Complaint marked as Resolved 
        HDFC Bank customer support has been notified about the posted complaint.
        Verified Support
        Jul 31, 2018
        HDFC Bank Customer Care's response
        Dear Customer,

        We observe that your credit card was canceled on July 30, 2018, and as on date, there are nil dues on the card account.

        -Anay
        HDFC Bank Customer Assistance
        Aug 01, 2018
        Updated by SpriteVikas
        Sir/Mam,

        I am not sure if card has been really closed because I can still see the card listed in active credit cards on HDFC net banking. Please crosscheck the status.
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          A
          Ankit Creations
          from Gurgaon, Haryana
          Jul 28, 2018
          Resolved
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          Resolved

          Address: New Delhi, Delhi, 110018

          Hi,

          My name : raman manocha
          Card number:
          Phone number: [protected]

          This is to divert your kind attention on the above mentioned subject. I have some outstanding which i am not able to pay. I told my problem to the bank and executive so many times.

          One executive gaurav ([protected]) who is coming at my place for the past two months, and threaten all females so badly. I sold my jewlery in the month of june and gave him the payment. Again he came on 27th july at 10am and stood till 5pm along with vivek. They all kept on ringing my bell and shouted. Then they went to the landlord and dislosed the amount and all to them.

          Shame on your # who torture people like this, and threaten. I am lodging an fir against them and writing in nhrc.

          We all family people will suicide if you will not stop threatening. We don;t have money to survive you #, and you are threatening like this.
          Sep 1, 2018
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Verified Support
          Jul 31, 2018
          HDFC Bank Customer Care's response
          Dear Customer,

          We have reviewed your concern and you may look forward to receive a response to your e-mail id in 3 working days. We request you to bear with us in the interim. The reference number for this interaction is [protected].

          -Manoj
          HDFC Bank Customer Assistance
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            N
            Natwarlal Leve
            from Indore, Madhya Pradesh
            Jul 28, 2018
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            Address: 465339

            I am a small town farmer.
            My complain is about pradhan mantri fasal bima yojana.
            I not get my valid bima money of year 2015 and 2017 kharif soyabeen, which is not given by hdfc bank to me because of their mistake.
            Hdfc bank branch shujalpur (M. P.)
            General information - kcc ac. No.[protected]Hdfc bank)
            Patwari halka no - 16, tah. Kalapipal, diat. - shajapur
            +2 photos
            HDFC ERGO General Insurance customer support has been notified about the posted complaint.
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              N
              Nitish Uikey
              from Indore, Madhya Pradesh
              Jul 28, 2018
              Resolved
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              Resolved

              Address: Indore, Madhya Pradesh, 452010

              I had open salary account on 10 july. I had already submit my all doucument to hdfc representive. But still now my profile detail like my name, address, mobile number not updated. Two time i visit the branch. They told me it will be updated soon. My account no is [protected], cutomer id[protected]. Branch name - hdfc airport branch. My mobile number is [protected]. This is really disappoint me. Do some thing as soon as possible.

              Nitish kumar uikey
              [protected]
              Sep 11, 2018
              Complaint marked as Resolved 
              HDFC Bank customer support has been notified about the posted complaint.
              Verified Support
              Jul 30, 2018
              HDFC Bank Customer Care's response
              Dear Customer,

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

              -Manoj
              HDFC Bank Customer Assistance
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                R
                Raisha
                from Mohali, Punjab
                Jul 27, 2018
                Resolved
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                Resolved

                Address: New Delhi, Delhi

                This is regarding hdfc credit card bill.i have clear all my bill amount was 14800/ in month of November 2017.than i got next month statement amount of 1500/ when i call to customer care they said late fees you have not paid bill on time so you have to pay the late fees.i fallow up to customer care many time for the same but they give another no of credit card collection team that no never connected.than i have raised a complaint against the bill than i got call from credit card team that i have to pay all the due amount that is 6000 almost also the costumer care representative name Amar from delhi office was very rude.i am in deep stress because of this how come on late fees they are adding amount on me.This kind of irresponsible attitude of customer care and their superiors in credit cards division branch has left me feeling mentally harassed .they are continuously incresing my amount payble from Rs 1500 to Rs 6000/since dec 2017 till date and this is despite that my card acct has been blocked. what am i supposed to do. iam planning to take legal action for mental and financial harrassment against the bank.
                Sep 4, 2018
                Complaint marked as Resolved 
                HDFC Bank customer support has been notified about the posted complaint.
                Verified Support
                Aug 01, 2018
                HDFC Bank Customer Care's response
                Dear Customer,

                We have reviewed your comments expressed regarding your credit card account and request you to contact our debt management executives at[protected] / 66668102 in this regard.

                -Anay
                HDFC Bank Customer Assistance
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                  J
                  Jiggs2122
                  from Delhi, Delhi
                  Jul 27, 2018
                  Resolved
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                  Resolved

                  Address: 411048

                  Hi,

                  My name is Jigisha Mehta and have an account with HDFC for almost 12 to 13 years now.

                  On 26th July morning 5:29 am I received an SMS that INR 8, 700 has been debited from my account against chq paid - MICR CTS-Mumbai.

                  This is in incorrect debit from my account and would request for a refund of the amount.

                  I have been trying to call on the customer care number[protected] since morning today, but have been in queue for 20 - 25 mins, twice and then disconnected.

                  Please provide a refund in my account as soon as possible.

                  I am reachable on +91 [protected].

                  Look forward to a quick reply.

                  Regards,
                  Jigisha
                  Sep 3, 2018
                  Complaint marked as Resolved 
                  HDFC Bank customer support has been notified about the posted complaint.
                  Verified Support
                  Jul 29, 2018
                  HDFC Bank Customer Care's response
                  Dear Customer,

                  I request you to share your account/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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                    A
                    a4 Amit tripathi
                    from New Delhi, Delhi
                    Jul 27, 2018
                    Resolved
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                    Resolved

                    Address: New Delhi, Delhi, 110007

                    Dear sir,


                    Hdfc credit card application no - [protected]

                    I had applied for a credit card in 14/07/2018 and credit card sent by you through blue dart courier (Waybill no : [protected]) at home address (H no 270, gali-6, block-a, kaushik enclav, burari, near hopital ground, new delhi 110084). But unfortunately the blue dart currier has not delivered the credit card to me at the address as mentioned before. There was construction at the house at that address and nobody was present there to collect the courier packet. Thereafter due to non-delivery of courier, the credit card was returned back to the sender’s address of the bank. On 21/07/2018 i went to the hdfc bank to change the old address (H no-270, gali-6, block-a, kaushik enclav, burari, near hopital ground, new delhi 110084) and application was submitted to the bank drobox (Roop nagar, new delhi).in that application new address (2e, kamla nagar, near geeta bhawan, new delhi, 110007) was mentioned. You are now requested to inform me: if you have received the application for change and let me know when i will get the credit card to my new address?

                    Best regards,
                    Amit kumar tripathi
                    Mo.- [protected]
                    Addreess - 2e, kamla nagar,
                    Near geeta bhawan, new delhi, 110007
                    Sep 5, 2018
                    Complaint marked as Resolved 
                    HDFC Bank customer support has been notified about the posted complaint.
                    Verified Support
                    Jul 30, 2018
                    HDFC Bank Customer Care's response
                    Dear Customer,

                    We have reviewed your comments expressed and confirm having responded to your email id on July 28, 2018. The reference number for this interaction is [protected].

                    -Anay
                    HDFC Bank Customer Assistance
                    Aug 01, 2018
                    Updated by a4 Amit tripathi
                    Dear Customer,

                    I have not yet received any response from you regarding what you are doing in the subject.

                    I hope that you guys will get some good response soon.

                    Best regards,
                    Amit kumar tripathi
                    Mo.- [protected]
                    Addreess - 2e, kamla nagar,
                    Near geeta bhawan, new delhi, 110007
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                      J
                      jayant b baviskar
                      from Vadodara, Gujarat
                      Jul 27, 2018
                      Resolved
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                      Resolved

                      Address: Surat, Gujarat, 390004

                      I have disputing the some transaction on dated[protected] from Flipkart for Rs. 14446/- ( to purchase Mobile phone) but due to same technical problem the order got cancelled and mail from flipcart has also been received by me, the same is forwarded herewith HDFC Bank for information . The Mobile was not received by me and as per option EMI My self Jayant baviskar, Register Mobile No [protected] on hdfc bank and Credit card No. [protected]. In this regard Flipkart or HDFC bank also not resolve my problem.. after 06 Months my problem is not solve and HDFC representative contentious call and force to pay my due payment .

                      Kindly help me
                      jayant baviskar
                      [protected]
                      [protected]@gmail.com
                      Sep 10, 2018
                      Complaint marked as Resolved 
                      HDFC Bank customer support has been notified about the posted complaint.
                      Verified Support
                      Jul 30, 2018
                      HDFC Bank Customer Care's response
                      Dear Customer,

                      We have reviewed your queries and you may look forward to receiving a response to your e-mail id in 7 working days. We request you to bear with us in the interim. The reference number for this interaction is[protected].

                      -Anay
                      HDFC Bank Customer Assistance
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                        K
                        kousik69
                        from Mumbai, Maharashtra
                        Jul 27, 2018
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                        Address: Mumbai City, Maharashtra
                        Website: www.hdfcbank.com

                        Sir / Madam
                        I have send request through my email [protected]@gmail.com to hdfc bank for sending repayment schedule of my personal loan a/c no. 46896621 twice.. but they are neither sending any statement nor furnishing any reason for it. Also I tried through phone banking..but they are say ing that u may send request through your email...Kindly solve the matter at earliest.

                        Kousik Barat
                        [protected]
                        HDFC Bank customer support has been notified about the posted complaint.
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                          B
                          babipratima
                          from Bhubaneshwar, Odisha
                          Jul 27, 2018
                          Resolved
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                          Resolved

                          Address: Khordha, Odisha, 751012
                          Website: Sri Saibaba Sansthan ahmednagarin

                          On 17th july 2018 while booking for accomodation and darshan i made payment of rs.1710.00 twice and both were failed transactions through hdfcgateway, however on 21/07/2018 rs. 1702.80 was credited back to my standardard chartered bank card a/c however refund of another rs1710.00 of the same day paid through standard chartered bank card no;[protected] in the name of k. P. Mishra still pending please expedite my mail address : [protected]@gmail.com
                          Jul 31, 2018
                          Complaint marked as Resolved 
                          Got the credit back of the failed transactions
                          Jul 27, 2018
                          Updated by babipratima
                          out of the two failed transaction of Rs.1710.00 refund of one already received on 21.07.2018 one more refund of Rs.1710.00 is pending
                          Jul 30, 2018
                          Updated by babipratima
                          The payment has been made from you Payment Gateway and you canot simply ward off your responsibility and ask me to contact CARD ISSUING BANK, The transactions made on 19.07.2018 of Rs.1720.00 two times with the folloing ARN 74332748201820030333203 and 74332748201820029500507 . You are once again requested to verify at your end both were failed transactions and one refund of Rs.1702.80p has been made on 21.07.2018 and another refund of of Rs.1720.00 is waited.Please respond and expedite

                          K.P. Mishra
                          Dear Customer,

                          Kindly contact the card issuing bank in order to raise the dispute.

                          -Manoj
                          HDFC Bank Customer Assistance
                          The payment has been made from you Payment Gateway you canot simply ward off your responsibility and ask me to contact CARD ISSUING BANK, The transactions made on 19.07.2018 of Rs.1720.00 two times with the folloing ARN 74332748201820030333203 and 74332748201820029500507 . You are once again requested to verify at your end both were failed transactions and one refund of Rs.1702.80p has been made on 21.07.2018 and another refund of of Rs.1720.00 is waited.Please respod and expedite

                          K.P. Mishra
                          One of my friend transferred amount through chiller but amount was not credited please check and do the need full...

                          non-refund of failed transaction on a/c of sri saibaba sansthan ahmednagar in of rs.1710.00 twice - Comment #3205721 - Image #0
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                            S
                            Srilekha Uppuluri
                            from Ottappalam, Kerala
                            Jul 27, 2018
                            Resolved
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                            Resolved

                            Hai sir/madam
                            This is syed sharifuddin sameer having loan in hdfc bank on laptop. I forgot to pay installment due to some personal issues. Some hdfc agent called me regarding this late due amount okay i worth it it’s my fault to pay.
                            But the agents from hdfc were talking very badly is that the way to talk to customer. Does we don’t have any respect. Two people spoken to me like this. Rude behavior from the agent is that way people talk to customer i need explanation to this at any case they are from hyderabad.

                            I got two calls both are ladies from same location one call on the date 26th july 2018 evening i don’t know name but i have contact number [protected] and one call on 27th july 2018 morning i know her name she is janshi she called me from this number [protected].

                            I tried to contact customer care department but they are not responding i have attached screenshot of the my call list that is a proof i tried to contact hdfc customer care...

                            My email i’d-[protected]@gmail.com
                            +1 photos
                            Sep 2, 2018
                            Complaint marked as Resolved 
                            HDFC Bank customer support has been notified about the posted complaint.
                            Verified Support
                            Jul 31, 2018
                            HDFC Bank Customer Care's response
                            Dear Customer,

                            We have taken up the matter with concerned team and will respond to you on your email id in 5 working days.

                            -Anay
                            HDFC Bank Customer Assistance
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                              D
                              drop2sathish
                              from Chennai, Tamil Nadu
                              Jul 27, 2018
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                              I have hdfc fastag using it from 2017. I have requested for card re-issue on 28 may 2018. Made online payment of rs.200 on 3rd july 2018 to sahaj e-village. Payment reference number is[protected]. I have mailed all those details as a reply to that mail. I have not got the card yet and i am calling the customer care since then for help. Even mailed to helpdesk many times but all in vein. I have even mailed to hdfc. [protected]@sahaj.co.in hope i ve my issue solved
                              Dear Customer,

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

                              -Manoj
                              HDFC Bank Customer Assistance
                              drop2sathish's [Complaint's author] reply, Jul 27, 2018
                              Mailed many times. Fyi. I ve escalated to national consumer forum. Pl do not send auto replies. Pl c my msg properly. Btw I am in chennai and where shd I meet the Fastag team

                              Thanks
                              Mailed many times. Fyi. I ve escalated to national consumer forum. Pl do not send auto replies. Pl c my msg properly. Btw I am in chennai and where shd I meet the Fastag team

                              Thanks
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                                S
                                Sudhaker Rao
                                from Hyderabad, Telangana
                                Jul 27, 2018
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                                Address: Hyderabad, Telangana, 500084
                                Website: hdfc net banking

                                I am trying since 3 days. I end up at the last page which shows up repearedly. My demat firm/agent is motilal oswal securities ltd (Mosl) who is a member of cdsl.
                                After entering cdsl, mosl and its id [protected]., i am not able to enter my own dp id number. This is the reason why i am unable to subscribe when i am entering my id in the relevant box, the box is not accepting and is blank.
                                Because of this glitch i am not able to subscribe to hdfc amc ipo. If you clarify immediately at least i can apply today. My mobile number [protected].
                                HDFC Bank customer support has been notified about the posted complaint.
                                Dear Sir,

                                We regret the inconvenience caused to you. Kindly share your client ID OR contact details. We will arrange a call soon to address your concern.

                                - Team MOSL
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                                  K
                                  kandula chandana
                                  from Ramapuram, Andhra Pradesh
                                  Jul 27, 2018
                                  Resolved
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                                  Resolved

                                  Address: Khammam, Andhra Pradesh

                                  I am anuj palreya. My employe code c2266. I was working in khammam branch (1631). I have resigned from my post and my mail id got blocked and i can't retrive my id so please send salary slips and reliving letter to the registered mail id.

                                  Waiting for salary slip and releaving letter

                                  Please help me out to give me all that details mentioned above

                                  Thanks
                                  Nagandla chandana
                                  Sep 5, 2018
                                  Complaint marked as Resolved 
                                  HDFC Bank customer support has been notified about the posted complaint.
                                  Verified Support
                                  Jul 27, 2018
                                  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!

                                  -Anay
                                  HDFC Bank Customer Assistance
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                                    Deepaknegifc
                                    from Delhi, Delhi
                                    Jul 27, 2018
                                    Resolved
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                                    Resolved

                                    Address: New Delhi, Delhi, 110059
                                    Website: www.hdfcbank.com

                                    Hi hdfc team,

                                    So recently, i joined a new company and as per the company policy they opened an salary

                                    Account on hdfc. The sales person persisted me to get the credit card so i applied for hdfc

                                    Credit card & submitted all the required documents and information for application form.

                                    I was confident of getting my card application approved. After a day or two received

                                    Multiple sms regarding credit card processing, one of those sms was this :
                                    "dear applicant your hdfc bank credit card app ref no [protected]n1 is approved in

                                    Principle subject to internal checks"

                                    But few days later i received mail from bank that they are incapable to process my

                                    Application without specifying any reason. Following is the mail:

                                    Dear sir/madam,
                                    Subject : your credit card application reference no. [protected]n1
                                    Thank you for your interest in hdfc bank credit card.

                                    "we wish to inform you that your application has been considered in line with the bank's

                                    Internal credit policy (Which is based on a combination of financial and related criteria

                                    And/or statistically determined scores to assess credit eligibility) and operating/credit

                                    Processes (Which include a combination of verifications, credit bureau reports and

                                    Document verifications). We regret to inform you that we are unable to approve your

                                    Application as it does not meet the above mentioned internal criteria of the bank.

                                    Please be assured that our inability to approve the credit card application does not

                                    Reflect in anyway on your credit standing or your financial stability."

                                    What a # response to my application..! If someone is reading this message from hdfc

                                    Credit risk team, have the guts to send me the specific reason for rejection.

                                    It is really disappointing that after collecting all the docs and verifications still not

                                    Giving the reason. This also makes feel insecure about our document to be miss used like

                                    Pan card, aadhar card, bank statements, pay slips as all these are private properties.

                                    So hoping to get some solution.

                                    Deepak kumar
                                    Credit card ref no.- [protected]n1
                                    Email - [protected]@gmail.com
                                    Sep 7, 2018
                                    Complaint marked as Resolved 
                                    HDFC Bank customer support has been notified about the posted complaint.
                                    Verified Support
                                    Jul 27, 2018
                                    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].

                                    -Anay
                                    HDFC Bank Customer Assistance
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                                      R
                                      raghib hasan
                                      Jul 27, 2018
                                      Resolved
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                                      Resolved

                                      Address: Bangalore, Karnataka, 560066
                                      Website: HDFC and Reliance digital store

                                      Hdfc bank promised to give rs 10000/- cashback for iphone x on debit card loan within 90days

                                      I have also paid all the emi, i have also visited store and meet the hdfc finance guys but no one is helping on that issue,
                                      From last 3 month they are just saying in another 5 working days you will get your cash back.
                                      I am feeling i got cheated by hdfc and reliance digital store

                                      In the bill also it's clearly mentioned the same. Now it's been around 6months but i have not yet received the cashback,

                                      Each time i call them they ask for 5days of time with a new complaint number but after 5days there will be of no solution to my complaint.

                                      Now i feel like getting cheated from hdfc on this aspect. I have not idea how to complain on this aspect so, i am raising a concern here.
                                      Sep 10, 2018
                                      Complaint marked as Resolved 
                                      HDFC Bank customer support has been notified about the posted complaint.
                                      Verified Support
                                      Jul 27, 2018
                                      HDFC Bank Customer Care's response
                                      Dear Customer,

                                      I request you to share your complete concern, account no./customer Id, transaction 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
                                      Dear Valued Customer,  

                                      Apologies for the inconvenience caused. Please share your contact details at the following link - http://bit.ly/RDCustomerCare and our team will contact you.

                                      At Your Service,  
                                      Reliance Digital
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                                        A
                                        Anusree Rajeev
                                        from Idukki, Kerala
                                        Jul 27, 2018
                                        Resolved
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                                        Resolved

                                        I was working in tech mahindra and the salary account for me was in hdfc bank. (Savings account).

                                        I have started the account in 2014 when i joined the company, and left the job in 2017. Hence from the time i left the job no salary was credited and few months later, my account was inactive.

                                        I have never maintained a minimum balance in the account as it was not mandatory and was specified as a '0' balance account.
                                        Now the bank has imposed a negative balance of -5005.64/- in my account as a part of non maintenance of minimum balance or inactive account.

                                        According to below rbi circular, i was not informed about imposing negative balance so that i couldn't close my account.

                                        Rbi/[protected]/308
                                        Dbr. Dir. Bc. No.47/13.03.00/2014-15 20.11.2014

                                        Department of banking regulation

                                        Levy of penal charges on non-maintenance of minimum balances in savings bank accounts all scheduled commercial banks (Excluding rrbs)

                                        Kindly look into the issue and request you to resolve the same at the earliest.
                                        Aug 30, 2018
                                        Complaint marked as Resolved 
                                        HDFC Bank customer support has been notified about the posted complaint.
                                        Verified Support
                                        Jul 27, 2018
                                        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). Please feel free to write to us at [protected]@hdfcbank.com for any further assistance/clarification and we shall be glad to assist you.

                                        -Anay
                                        HDFC Bank Customer Assistance
                                        Jul 27, 2018
                                        Updated by Anusree Rajeev
                                        I was not informed about the account going to run on a negative balance.

                                        According to the RBI guidelines, reported by times now,
                                        "The RBI had in 2014 revised its guidelines for banks imposing penal charges for non-maintenance of minimum balance in a savings bank account. Subsequently, with effect from April 1, 2015, it had asked banks not to take undue advantage of customer difficulty or inattention and to give an advance notice to the customer before deducting charges from their bank balance. It had asked banks to send notice either by SMS, email or a letter. "

                                        And Please let me know that if,
                                        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

                                        How the customer get to know about account status before going negative?
                                        I was not informed about the account going to run on a negative balance.

                                        According to the RBI guidelines, reported by times now,
                                        "The RBI had in 2014 revised its guidelines for banks imposing penal charges for non-maintenance of minimum balance in a savings bank account. Subsequently, with effect from April 1, 2015, it had asked banks not to take undue advantage of customer difficulty or inattention and to give an advance notice to the customer before deducting charges from their bank balance. It had asked banks to send notice either by SMS, email or a letter. "

                                        And Please let me know that if,
                                        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

                                        How the customer get to know about account status before going negative?
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