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NET BANKING

NetBanking is HDFC Bank's Internet banking service. Through NetBanking, you can perform all your transactions online without leaving the comfort of your own home.

So just log in to NetBanking and conduct 135 + transactions from the comfort of your home or office.

You can check your Account Balance, book Fixed and Recurring Deposits, Download A/c Statement up to 5 years, pay your Bills, Recharge your Mobile/ DTH connection, and much more in a secure environment.

Log in to NetBanking using your Customer ID and IPIN (password).

Experience Convenience ... Choose NetBanking!

  • Features & Benefits of NetBanking

    NetBanking is an incredibly convenient and powerful tool, letting you do everything you want with your accounts at the click of a mouse.

    Its Real Time, giving you up-to-the-second details on your account.

    All you need to Log in is your Customer ID and IPIN (NetBanking password).

    Your Customer ID is mentioned on your account statement/ account welcome letter (Current account / HUF customers can get it from the branch). IPIN can re-ge negerated online in case you don't have it.

    Some things you can do with NetBanking are:

    • Check your account balances and download 5 year account statement in 5 formats, instantly
    • Book Fixed Deposit / Recurring Deposit
    • Pay Utility Bills
    • View your Credit Card details and pay your Credit Card Bills
    • Recharge your Prepaid Mobile & DTH Connections
    • Invest in Mutual Funds Online
    • Book IRCTC Tickets online
    • Purchase a Gift Card
    • Pay your Taxes online
    • Update your PAN Details online
    • View your Tax Credit Satement (Form 26 AS)
    • Request for a Demand Draft/ Chequbook
    • Request Stop Payment of a Cheque/ Hotlist you Debit Card/ Credit Card
    • View your Loan details
    • Apply for IPO
    • Request for Debit Card PIN Regeneration
    • Register for Third Party Transfer
    • Transfer funds between accounts within HDFC Bank and other Bank Accounts

    These are just some of the 135+ transactions you can do through NetBanking. To view the complete list click here.

    See our NetBanking Demo to learn more.

    HDFC Bank's NetBanking service is secure. Using industry-standard technologies and infrastructures, our service gives you peace of mind.

  • How to register for NetBanking?

    NetBankingRegsitration is given by default to all HDFC Bank Customers. In case you are not registered for NetBanking, it is quick & easy.

    We have made registering for NetBanking quick and easy.

    The many ways through which you can register are:

    There are no charges for NetBanking registration request

  • Insta IPIN facility

    You can now regenerate your NetBankingIPIN (Password) online by following the below steps

    For any further questions click here

    To use Instant IPIN click here

    Note: Online IPIN re-generation facility is free of cost. IPIN despatched physically would be charged at Rs.50 per instance.

  • What is Third Party Transfer?

    Third-Party Transfer (TPT) is a feature you can use to transfer funds from your HDFC Bank account to another account (called the beneficiary), within HDFC Bank or any other bank, anywhere in India.
    You need to be separately registered for this service.

    Which transactions are covered under Third party transfer?

    Third Party transfer includes all transactions where funds are transferred from one account to another, within or outside the Bank.

    You can conduct a Third Party Transfer from your account to other Bank accounts using:

    • Transferring funds from your HDFC Bank account to other HDFC Bank accounts with different Customer IDs. TPT is a real time transaction, which means that the transfer will show up immediately in your accounts.
    • National Electronic Funds Transfer (NEFT) - This is a Funds Transfer service, to transfer funds to Accounts outside HDFC Bank. Any amount in the range of Re. 1 to Rs. 10 Lacs can be transferred through this facility. You need to Add a Beneficiary to transfer funds to his Account. Only the Account Number and IFSC details are used to carry out the transaction. Please click here to know more.
    • Real Time Gross Settlement (RTGS) - This is a Funds Transfer facility where the amount reaches the Beneficiary's Bank within time stipulated by RBI. The transaction amount can vary from Rs. 2 lacs to Rs. 10 lacs. You need to Add a Beneficiary to transfer funds to his Account. Only the Account Number and IFSC details are used to carry out the transaction. Please click here to know more.
    • Immediate Payment Service (IMPS) (formerly called as InterBank Mobile Payment service) - through which you can transfer funds Instantly to any IMPS Beneficiary. It is an instant interbank electronic fund transfer service, which you can use with your mobile phone. As an HDFC Bank customer you can send money instantly to anyone in any participating bank (including another HDFC Bank customer) who is registered for IMPS via the MobileBanking service. You can also receive money through this mechanism from anyone else in a participating bank (including another HDFC Bank customer). Please click here to know the charges.
    • Online Shopping. Click here to know more.
    • Visa CardPay From your account to any Visa Credit Card within India.Your account will be debited online, and the funds will be sent to the beneficiary Bank within 2 working days using the Visa system. The Beneficiary Bank will then transfer the funds to the beneficiary's card account. Click here to know more
    • Third Party Demand Drafts upto Rs. 1 Lac can be requested from your account, through NetBanking. Demand Drafts will be couriered to the registered mailing address within 4 working days.

    Third Party Transfer Registration

    You need to register for Third Party Transfer. NR Customers with Domestic Mobile Number registered with the bank, can Register for Third Party Transfer online by following the below steps:

    • Login to NetBanking using your Customer ID and IPIN
    • Click on the 'Third Party Transfer Tab' and follow the instructions
    • Select your Debit card & Input the Debit Card details.
    • Confirm your mobile number.
    • A One time Password would be sent to your registered mobile number
    • Authenticate the transaction by inputting the OTP and you would be registered for Third Party Transfer facility instantly
    • In case you are not registered for Secure Access, you would be asked to register for the same during the above process.

    For NR customers with International mobile number-

    • Login to NetBanking using your Customer ID and IPIN
    • Click on the 'Third Party Transfer Tab' and follow the instructions
    • Confirm your Mobile number registered with the Bank & Email ID.
    • A One time Password ( OTP) would be sent to your registered mobile number and Email ID. You need to enter both the OTPs.
    • You would be registered for Third Party Transfer facility instantly
    • In case you are not registered for Secure Access, you would be asked to register for the same during the above process.

    Alternatively, you can also fill up a TPT application form and submit it to the nearest HDFC Bank Branch along with an original photo ID proof and a self-attested copy of it. If the form is in order, we will activate the TPT facility within 4 working days from the day we receive your request NRI Customers unable to visit the branch, can submit the TPT registration form along with self attested Photo ID Proof.

    Click here to know more about OTP

    Add a Beneficiary To transfer funds to TPT Accounts, you need to add a beneficiary. Doing that is simple, just follow these steps:

    • 1. Log on to www.hdfcbank.com and enter your Customer ID and password (IPIN)
    • 2. Go to Third Party Transfer and click on 'Add a beneficiary'.(A maximum of 3 beneficiaries can be added in a period of 24 hours)
    • 3. Select the beneficiary type- transfer within HDFC Bank, transfer to other bank using NEFT/ RTGS/ IMPS.
    • 4. Fill the beneficiary details and confirm. It would take 12 hrs for beneficiary activation due to security reasons. (Post activation of a beneficiary, you can transfer a maximum of Rs. 100,000/- to each beneficiary for first 2 days)
    • 5. Adding a beneficiary is a one time process

    Please note:

    • The validity of the beneficiary's account will be the sole responsibility of the Third Party Transfer user
    • A joint accountholder will not be allowed to transfer money unless he has Financial Transaction Rights
    • There are special regulations governing the Financial Transaction Rights for Current Account customers

    Third Party Transfer Limits

    Default limit for Third Party Transfer ( TPT ) is Rs. 2,00,000/- per Customer ID per day. This amount can be transferred in parts or in lump sum.

    Customer has the option to modify this limit and increase it online or offline.

    To increase limit online, you need to authenticate via Debit Card details and One Time Password (OTP) sent on your registered mobile number (For NR customers with local mobile number) OR One Time Password (OTP ) sent on your registered mobile number and email id (For NR customers with international mobile number) . In case you are not able to do it online you need to submit the TPT limit increase form at the branch. This form needs to be accompanied with a self attested photo ID proof along with original ID proof for verification. Maximum limit capped for TPT is Rs. 10,00,000/- per Customer ID per day.

    NRI Customers unable to visit the branch, can submit the TPT limit increase form along with self attested Photo ID Proof.

    The TPT limit can be reduced to uptoRs. 50,000, online.

    Please note:

    • Third Party Transfer service is for all customers who have their mobile numbers registered with the Bank
    • Current account holders need to be registered for Financial rights in order to conduct TPT transactions

    Charges

    NEFT transactions on NetBanking are charged as below:

    • Amounts up to Rs. 10,000 - Rs.2.5 (exclusive of taxes) per transaction
    • Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes) per transaction
    • Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (exclusive of taxes) per transaction
    • Amounts above Rs.2 lakh - Rs.25 (exclusive of taxes) per transaction

    RTGS transactions are charged as below:

    • Rs 2 lakh to Rs 5 lakh - Rs. 25 (inclusive of taxes) per transaction
    • Above Rs 5 lakh - Rs. 50 (inclusive of taxes) per transaction

    Note: Charges transactions done through Net Banking are not applicable for Current Accounts: Apex / Max / Plus / Merchant Advantage Plus / Flexi / Trade / Merchant Advantage / Premium / Regular.

    For each Visa CardPay transaction, a nominal fee of Rs 5/- (plus taxes) will be applied.

  • Secure Access

    HDFC Bank has implemented an extra security solution for its customers - Secure Access

    Secure Access is an additional layer of security that is essentially a solution protecting your account from hackers and fraudsters. Secure Access requires a one-time registration.

    All Third Party Transactions are covered under Secure Access

    Let us take you through the steps involved in Secure Access and how it serves to protect your account

    • HDFC Bank's NetBanking login is a two step process with Secure Access image and text verification.
      • Screen 1 is where you key-in your customer id
      • Screen 2 is for your password

      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.

    To register for Secure Access you will need to:

    • Personalise an image
    • Personalise text
    • Answer 5 questions

    Click here to view Secure Access demo.

    Click here for terms and conditions

  • FAQ's on Secure Access

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    What is Secure Access?

    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.

    What transactions are covered under the TPT facility?

    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
    Do I have to register for the Secure Access on a Compulsory Basis

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

    Can I register for Secure Access service through the Branch / PhoneBanking/ ATM or any other mode?

    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)

    Will my Customer ID or NetBanking Password (IPIN) change?
    Is there a change in how I Log in to my NetBanking Page?

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

    Is Secure Access facility free of cost?

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

    Secure Access - Registration Process and How does it work?

    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)

    You will have to select your registered mobile number and authenticate the transaction by inputting the OTP sent on your registered mobile number

    How does selecting the Picture and the Message help you identify the correct HDFC Bank's NetBanking site?

    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.

    Is it compulsory to answer all the five questions?

    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.

    Can I upload my own picture as a Secure Access Image?

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

    Can I use special characters in Secure Access Phrase?

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

    What if my NetBanking connection fails or there is a sudden disruption in 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.

    Will I be asked questions every time I do a transaction?

    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

    How do I change my Secure Access Image and Challenge Questions/Answers?

    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.

    What if my Secure Access ID gets locked?
    • 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, login to NetBanking and click on "Modify Secure Access Profile" and complete the steps, you need to authenticate the transaction.
    • For NR customers with Indian mobile number –Select the Debit Card and input the Debit Card details. Then confirm your mobile number and authenticate the transaction by inputting the OTP (One Time Password )
    • For NR customers with International mobile number- A One time Password ( OTP) would be sent to your registered mobile number and Email ID. You need to enter both the OTPs
    • Alternatively you can also 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 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.
    Why do I need to set up challenge questions?

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

    What If I forget the answers to the questions?
    • 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 and complete the steps, you need to authenticate the transaction
    • For NR customers with Indian mobile number –Select the Debit Card and input the Debit Card details. Then confirm your mobile number and authenticate the transaction by inputting the OTP (One Time Password )
    • For NR customers with International mobile number- A One time Password ( OTP) would be sent to your registered mobile number and Email ID. You need to enter both the OTPs

  • FAQs

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    Who is eligible for NetBanking?

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

    Is there any charge for this service?

    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.

    What can I do using NetBanking?

    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
    What are the locations that a Demand Draft request can be made for?

    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.

    Is there any charge for booking Demand Draft online?

    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)

    Where can I open a new Fixed Deposit?

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

    What do you mean when you say that the transactions are "real time online"?

    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.

    When will my transactions affect my Account?

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

    How will I know that my transaction has been completed?

    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

    How safe are my requests/transactions on NetBanking?

    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.

    Are there any special benefits to me for using NetBanking?

    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

    What kind of hardware and software are recommended for using NetBanking more efficiently?

    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.

    I cannot read some digits of the password. What should I do?

    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.

    What is the process for regeneration of IPIN (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 'Forgot your IPIN & Re-generate IPIN using One Time Password (OTP)
    • Enter your Customer ID
    • For NR customers with Indian mobile number –Select the Debit Card and input the Debit Card details. Then confirm your mobile number and authenticate the transaction by inputting the OTP (One Time Password )
    • For NR customers with International mobile number- A One time Password ( OTP) would be sent to your registered mobile number and Email ID. You need to enter both the OTPs
    • Input the new IPIN
    • Login to NetBanking using the newly set IPIN

    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

    I have 2 Accounts and Customer IDs. How do I know which password is valid for which Customer ID?

    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.

    Why is my NetBanking IPIN (password) not functioning?
    How can I log in if I have forgotten my password?

    In case you have forgotten your password you can re-generate it using our Instant IPIN facility online.

    How do I change my password?

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

    I am getting the message "Access denied". What do I do?

    Reasons you could be locked out are:

    I have changed my password but am unable to use my old or new password. What am I supposed to do?

    This is possibly because:

    OR

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

    What you can do now is:

    OR

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

    How can I block my IPIN (password)?
    What are the measures I can take to ensure greater security?

    • 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

    What are the charges and limits for NEFT ?

    Effective 1st August, 2012, NEFT transactions on NetBanking would be charged as below:

    • Amounts up to Rs. 10,000 - Rs.2.5 (exclusive of taxes) per transaction
    • Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes) per transaction
    • Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (exclusive of taxes) per transaction
    • Amounts above Rs.2 lakh – Rs.25 (exclusive of taxes) per transaction

    Charges for NEFT transactions done through Net Banking are not applicable for Current Accounts: Apex / Max / Plus / Merchant Advantage Plus / Flexi / Trade / Merchant Advantage / Premium / Regular

    The maximum amount of funds that can be transferred per customer ID every day is Rs. 10 Lakhs.

    What are the charges and limits for RTGS ?

    From 15th November, 2010 RTGS transactions are charged according to the conditions below:

    • Rs. 2 Lakhs to Rs. 5 Lakhs – Rs. 25 (inclusive of taxes) per transaction
    • Above Rs. 5 Lakhs – Rs. 50 (inclusive of taxes) per transaction

    Charges for RTGS transactions done through Net Banking are not applicable for Current Accounts: Apex / Max / Plus / Merchant Advantage Plus / Flexi / Trade / Merchant Advantage / Premium / Regular

    The maximum amount of funds that can be transferred per customer ID every day is Rs. 10 Lakhs. The minimum amount is Rs. 2 Lakhs

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