NET BANKING

Secure Access is an additional layer of security that is essentially a solution protecting your account from hackers and fraudsters. The primary aim of the service is to monitor your important NetBanking transactions covered under Secure Access, with an aim to block/ report any deviant transactions.

Currently following transactions are covered under Secure Access:

• Transfer from one HDFC Bank account to other HDFC Bank account holders (under distinct customer ID)
• Transfer from HDFC Bank account to any other Bank's account (also known as RTGS & NEFT)
• Visa CardPay
• Third Party Demand Draft through NetBanking
• DirectPay / Online Shopping

Yes, in order to perform your Third Party Transder or Online Shopping transactions, registration for Secure Access is Compulsory.

Incase you are not registered for Secure Access, you will be asked to register for it post Third Party Transfer registration or while attempting DirectPay/online shopping transactions.

No, in order to register for Secure Access Service, you need to register for this service through an on line medium only (post logging into NetBanking)

No, your Customer ID and IPIN will not change and will remain the same as they were.

Yes, going forward, your login process for HDFC Bank's NetBanking will be a two step process with Secure Access image and text verfication.

• Page 1 where in your Customer ID will need to be entered
• Page 2 where in your IPIN will have to be entered.
  
  This is done as a security measure. On putting in your customer id, our backend will verify if you are registered for Secure Access.
• If you are not registered for Secure Access, the next screen will have a box to key-in your password.
• If however you are registered for Secure Access, you will be shown an image and text that have been personalised by you during registration for Secure Access.

Yes, at the moment, Secure Access is a free of cost service to all the NetBanking TPT registered customers

Secure Access works on the basic principle about you remembering / logging on to your correct NetBanking site. The Secure Access registration process covers the following three steps.

• Selecting a Picture from the Choices and categories of pictures offered to you
• Selecting a Message that you are able to identify easily and personal to you
• Selecting Answers to some of the questions that are personal in nature (of which only you will have the answers)

When you log on to NetBanking site and if you are a Secure Access registered customer, on the Password page, you should be able to see your Picture and the Phrase that you selected when you enrolled for Secure Access for the first time or as per your last modification, in case you are not able to see the same, this would mean you are not on the correct NetBanking site and you should not progress forward.

Yes, in order to complete your Secure Access registration, it is important and mandatory that all the five questions be answered. These questions are personal in nature and as such only you will have the answers to the same. Your responses to the Secure Access Registration" will be kept confidential by the Bank as per our privacy policy.

No, you have to select the picture from the given categories on registration screen.

No, Special Characters can not be used in the Phrase that you choose to select for this service.

In case you are registering for the Secure Access service and the connection fails mid-way then you will have to restart the registration process once again.

No, you will not be asked questions every time you do a transaction, depending on the nature of the transaction and a host of other variables, the system may ask you questions. Please do note that there is no human intervention involved here and the system will ask you questions based on a set of algorithms

One can modify the answers to the Secure Access Image, Phrase and the Question Answers by clicking on the ''Modify Secure Access'' profile through NetBanking's Third Party Transfer Service.

The Secure Access service rights will only get locked post the incorrect answers to the questions or not being able to answer.

In such a scenario, you will have to either call up PhoneBanking or visit the Branch and provide a written request for the same. Post your correct verification of the details, the Bank will unlock your Secure Access rights as well.

Challenge questions will be used to authenticate high risk transactions or online shopping transactions as an additional layer of security.

Since the answers to the challenge questions are set by yourself as a customer, the chances are very less likely that you may forget the same.
However, if you forget the answers to the same please log in to Net Banking and click Third Party Transfer/ Accounts tab

You can modify the questions through an option Modify Secure Access Profile

Insta IPIN is the facility of online resetting of NetBanking password (IPIN). This allows the customer to access his/her account instantly incase they have forgotten or lost their NetBanking IPIN.

All HDFC Bank customers who are registered for NetBanking services and have an HDFC Bank Debit card (and no other variants of the HDFC Bank card) or have their mobile number updated can use Insta IPIN facility for online resetting of their NetBanking IPIN.
In case you are attempting to change password(IPIN) using HDFC debit card , plz note following card holders will not be able use this service :

• ATM Card Number starting with 504492
• Maestro Card numbers starting with 603123

No. You cannot use the Insta IPIN facility to register for NetBanking.We have the online NetBanking registration, you can use that.

You can register for NetBanking online. Click here to know more

No. Your ATM PIN will not get disabled/reset after using the Insta IPIN facility.

No. Your Third Party Funds Transfer services will not get disabled even after online resetting of your NetBanking IPIN using Insta IPIN facility.

No, there are no limitations. Insta IPIN is the facility of online resetting of NetBanking password (IPIN). This allows the customer to access his/her account instantly incase they have forgotten or lost their NetBanking IPIN. .

No. Insta IPIN facility is FREE of cost.

The other methods of regenerating the NetBanking Password IPIN are: .

• By calling the PhoneBanking Numbers or
• By walking into the nearest HDFC Bank ATM or
• By sending a SMS request "IPIN" to 5676712 or
• By walking into the nearest HDFC Bank branch and filling in the application form. (Please note that requests received at branches would charged Rs.50 per instance, effective 1st Jan'2012)

Your NetBanking IPIN will be couriered to your recorded mailing address available with the Bank.

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.

For any other queries regarding the above or to know the status of an existing application, please call up phone banking or write to us with below details

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