NET BANKING

All HDFC Bank Savings and Current Account holders can access their accounts through NetBanking.

No. Currently, we offer NetBanking free with all accounts. However, all minimum balance/deposit amount requirements of the relevant accounts will need to be honoured.

Currently, you can do any of the following:
Queries -

• Check your balance
• View statement
• Enquire about cheque status
• Ask for a statement
• Ask for a cheque book
• Enquire about your Fixed Deposit
• Enquire about your TDS details
• View your Demat Account
• Update your profile

Transactions -

• Stop a cheque
• Pay your bills
• Ask for a Demand Draft
• Transfer funds between your Accounts
• Transfer funds to a third party
• Request for a new Fixed Deposit
• Shop Online
• Pay HDFC Bank Credit Card dues

We can issue Demand Drafts at all the locations where we have a branch or have an arrangement with our correspondent Bank for the same.

Yes, the charges for booking Demand Draft Online are:
Rs. 30 for any DD booked online and sent to the customers address (+ correspondent Bank charges if applicable)

You can open a Fixed Deposit in any of our branches throughout the country.

We have designed the NetBanking service in such a way that it takes your requests and acts on them immediately. All transactions that will affect your balance (except Demand Draft request) are done automatically by the system.
For example - Funds Transfer, Stop Payment instructions, Fixed Deposit requests and the likes.
All the balances that are displayed to you are as of that instant and would cover transactions done by you over any of our channels.

Immediately! Except in the case of Demand Draft request, which will be processed during the banking hours on the next working day.

The NetBanking system does one of the following, depending upon the transaction you have requested:

• Displays the information requested
• Accepts your instruction and displays an appropriate message to the effect or gives you a transaction reference number which you may use in all future communication regarding the same
• Displays an appropriate message on why it cannot complete your transaction or asks you to try again

You can be assured of complete privacy when you use HDFC Bank's NetBanking facility. We have built several checks to safeguard your NetBanking transactions. Before you gain access to your account, you will be asked to enter your unique Customer ID and IPIN (password) to verify your identity. To maximise the security and confidentiality of your transactions, your password is not accessible to anyone, not even Bank employees.
When you bank with us on the Internet, you are always in a secure zone. To ensure the security of your transactions, we use a technology called Secured Socket Layer (SSL), which involves scrambling of the information between you and the Bank. If an unauthorised user tries to access your Account by keying in various combinations while trying to guess your password, your account will automatically get locked. Moreover, when you log in to NetBanking, your last date and time of log in will be displayed so that you can make sure that nobody has accessed your account.
In addition to these online security features, we have in place a dedicated team to monitor the access to the web server and to prevent unauthorised access.
These features work together to maximise security of your banking transactions. However, in order to ensure complete security, please remember to log out of NetBanking after you have completed your transactions. Know more.

There are various benefits of using NetBanking:

• Free stop cheque payment
• Statement request
• Free fund transfer within HDFC Bank Accounts
• BillPay facility
• Preferred rates for Demand Draft

Hardware: You need to have a Pentium PC with 32 MB RAM, 2.1 GB Hard Disk Space with 500MB free space.
Software: You need to have a browser: Internet Explorer Version 5.5 and above or Netscape Navigator Version 4.7 and above.

The IPIN (password) is a number randomly generated by the system, and the only person having access to it is you. We would therefore request you to apply for regeneration of the password.

In case you have forgotten your password you can re- generate the same online.
Following are the steps that need to be followed for resetting your NetBanking IPIN online:

• Click on the link 'Insta IPIN'
• Input your Customer ID and confirm
  A list of HDFC Bank Debit Cards that are linked to the Customer ID will be shown.
• Select any one of the linked Cards
• Kindly input your ATM PIN and Card expiry date
  You will then be asked to reset your NetBanking password (IPIN) and confirm the same.
• Re-login into NetBanking using the newly created password

OR
NetBanking registration / re-generation request through HDFC Bank ATMs:

• Visit your nearest HDFC Bank ATM
• After putting in your HDFC Bank Debit Card and ATM PIN, select "Other Option" from the main screen
• Select the option of "NetBanking Registration" which is available on the left hand side
• On selection of the same, please confirm the request
• IPIN will be couriered to your recorded mailing address with the Bank

OR
You can call PhoneBanking if you have a Telephone Identification Number (TIN)

OR
Download the eAge Banking form (below), complete it and submit it at the nearest HDFC Bank branch.
1. NetBanking form for Individuals
2. NetBanking form for Corporates

For obvious security reasons we do not print the Customer ID or Account number on the password mailer sent to you. The only solution, therefore, is to try the two combinations of the Customer IDs and passwords that you have.

There could be various reasons for the IPIN (password) not functioning. Few among them are:

• The IPIN (password) is case-sensitive and may not have been entered in the same lower or upper case as mentioned in the IPIN envelope sent to you
• The account has not been accessed for more than 180 days

You need a new IPIN (password) to log in, in case you have forgotten your IPIN. For a new IPIN you can call PhoneBanking if you have a Telephone Identification Number (TIN)
OR
Download the PIN Regeneration Form (below), complete it and mail it to nearest P.O.Box or submit it at the nearest HDFC Bank branch

• PIN Regeneration Form
• NetBanking form for Corporates

To change your IPIN (password), please follow the instructions given below:

• Go to NetBanking login area and key in your Customer ID and password. The password is case-sensitive. Please key in the same lower or upper case as mentioned in the IPIN envelope.
• After you have logged in, you can change your password using the change password option. The password should be alphanumeric and less than or equal to 15 characters

Reasons you could be locked out are:

• You have not used the NetBanking facility for more than 180 days
• You have entered the wrong IPIN (password) five (5) times and could be a user error on your part
• If you have forgotten your IPIN, then we have no choice but to regenerate it on an authenticated request from you

This is possibly because:

• You have not keyed in the new IPIN (password) correctly

OR

• After 5 unsuccessful attempts, access to NetBanking has been disabled for security reasons.

What you can do now is:

• If you remember your IPIN click here to submit a request for enabling your access to NetBanking
• If you have forgotten your IPIN you need to submit a request for regeneration
• You can call PhoneBanking if you have a Telephone Identification Number (TIN)

OR

Download the NetBanking Password Regeneration form. The completed form can be submitted at the nearest HDFC Bank branch.

We require a written instruction from you to block your IPIN.

All HDFC Bank customers who are and use -

• NetBanking users
• HDFC Bank Credit Card

Your Card should be in regular status for accessing your Card Account through NetBanking.

No. This service is offered free of charge

The process for registering your Credit Card for NetBanking is easy.

• If you are an HDFC Bank Account Holder and have already registered for NetBanking,
  Step 1: Choose "NetBanking" on the HDFC Bank website and click on Login
  Step 2: On the next page click on "Continue" button
  Step 3: Now you are on NetBanking login page. Please type your Customer ID and NetBanking password (IPIN) to log in. This brings you on the NetBanking page that displays all your Account details and other transaction options
  Step 4: Please click on "Credit Cards" tab
  Step 5: Click on "Register New Card" option on the left hand side panel
  Step 6: Please enter your 16-digit HDFC Bank Credit Card number, expiry date and your Credit Card PIN number and click on "Submit" to link your Card to your NetBanking ID
  
• If you are an HDFC Bank Account holder and haven't registered for NetBanking, you have to first register for NetBanking by filling in a NetBanking application form
  Download the eAge Banking form (below), complete it and submit it at the nearest HDFC Bank branch.

• NetBanking form for Individuals
• NetBanking form for Corporates

Currently, you can use the following Credit Cards NetBanking features:

• Registration
• De-registration
• View Account information
• Credit Cards payment

The following Credit Cards account details are displayed on the screen

• Total credit limit
  (This is the total credit limit assigned to you at the time of Card activation)
• Available credit limit
  (This is the credit limit available to you as of today and is exclusive of total outstanding - billed or unbilled)
• Available cash limit
  (This is the cash limit available to you as of today)
• Total billed amount
  (This is the total billed amount up to your latest statement date)
• Payment due date
  (This is the payment due date for your latest statement)
• Minimum amount due
  (This is the minimum amount due on your latest statement)
• Total unbilled amount
  (This is the sum of all transactions after the latest statement date which are already billed to your Card Account)
• Total outstanding authorisations
  (This is the sum of all the transactions after the latest statement date, which are authorised by you but are yet to be billed to your Account. In case you have availed of Cash-on-Call, it also includes the Cash-on-Call principal amount which is outstanding on your Card Account)
• Reward Points balance - last statement
  (This shows the total Rewards Points you had accumulated till the latest statement date)
• Rewards Points balance - current points
  (This shows the total Reward Points you currently have in your Card Account)

Credit Cards NetBanking saves your time and provides you the convenience of transacting from your home without hassles.

Please click on the de-register option on the left hand side panel and select the Card number for discontinuing NetBanking facility for your Card.

You can call up your nearest Credit Cards customer service number to request for the generation of a new ATM PIN. You can register for Credit Cards NetBanking once you get your new ATM PIN.
To find a Credit Cards customer service number, click here

• You should log out from NetBanking when leaving your PC
• Change your password continuously; choose "strong" 6 to 8 digit passwords (alphanumeric). Avoid obvious passwords (names of family members, pets, favourite musician, etc), and don't reveal your password to anyone
• You should not write down your password on any paper, which may be easily accessible to anyone
• Put in a power-on password in your machine so that nobody else can switch on your machine
• Have a screensaver password so that when you are away from your workstation nobody else can access it
• If you think someone knows your password, go online and change it immediately
• If you are using the Internet in a public place (e.g. a Cyber Cafe), do not leave the PC unattended and ensure that no one is watching what you type
• Log off from NetBanking upon completion of your session by clicking on the log out button, so that the session closes and not by shutting the window. This will prevent the viewing of previous pages of your online session via your PC
• You should consider running a Personal Firewall, which will prevent unauthorised persons from accessing your computer and guard against the introduction of malicious programs onto your PC

Effective 16th Jan 2010 NEFT transactions on NetBanking would be charged as below:

• Upto Rs. 1 lac. - Rs. 5 (inclusive of taxes) per transaction
• Rs. 1 lac and above - Rs. 25 (inclusive of taxes) per transaction

The maximum amount of funds that can be transferred per cust id per day is Rs. 10 lacs.

Effective 16th January, 2010, RTGS transactions on NetBanking would be charged at Rs. 25 (inclusive of taxes) per transaction.
The maximum amount of funds that can be transferred per cust id per day is Rs. 10 lacs. Minimum amount is Rs.1 lacs

To transfer funds from your account to another HDFC Bank account or an account with another Bank, you need to register for “Third Party Transfer” (TPT) facility.
Please follow the instructions below to register for TPT facility
Step 1) Fill up the TPT application form available at the Branch (duly signed by the account holder/s).
Step 2) Submit / send it to the HDFC Bank Branch where your account is held.
Step 3) All TPT requests submitted at the branch need to be accompanied with the original Photo ID proof and a self attested copy of the same.
NRI Customers unable to visit the branch, can submit the TPT registration form along with self attested Photo ID Proof.

Note / Important:

• Request received through Phone Banking, NetBanking, e-mail, scanned, or faxed copy will not be processed.
• If your form is in order, the TPT facility will get activated within 4 working days (if submitted in a HDFC Bank Branch) from the date of receipt of your request.
• Incase you are located in Gulf, you may submit the TPT application at any of our representative offices.

• HDFC Bank Branch /mode where your request was submitted.
• Date when your request was submitted