I am writing to bring to your attention a concerning discrepancy regarding my savings account at the Dunlop branch of HDFC Bank. I have recently faced an issue wherein non-maintenance charges were deducted from my account balance, causing it to become negative. I believe that this action contradicts the RBI guidelines, and I kindly request your immediate assistance in rectifying this matter.
As per my records and the RBI guidelines (referenced in your circular RBI/2014-15/308 DBR.Dir.BC.No.47/13.03.00/2014-15 dated November 20, 2014), banks are advised ( It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum balance.) Unfortunately, the application of the non-maintenance charges has caused the balance to become negative.
I kindly request that you review this situation and take the necessary steps to:
Restore Positive Balance: As my account originally had a positive balance, I kindly request that the account balance be rectified to reflect this positive amount.
I assure you that I am committed to maintaining the average monthly balance and managing my account responsibly in the future.
I appreciate your prompt attention to this matter and your understanding of the importance of adhering to the regulatory guidelines.
Thank you for your assistance. I look forward to a swift resolution and a positive banking experience moving forward.
Sincerely,
Debjyoti Das
A/c no - [protected]
das.[protected]@gmail.com Was this information helpful? | 
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