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FAQs |
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If you have any queries that are not answered
here, please call
us or
write
to us.
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Who
is eligible for NetBanking?
All HDFC Bank Savings and Current account holders can access their account
through NetBanking.
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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.
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What
can I do using NetBanking?
Currently, you can do any of the following:
Queries -
Check your Balance
See your Statement
Inquire about cheque status
Ask for a Statement
Ask for a Cheque Book
Inquire about your Fixed Deposit
Inquire about your TDS details
See your Demat Account
Update your profile
View HDFC bank Credit card bills
View your Mutual funds portfolio
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
Buy and sell Mutual Funds
Credit Limit Enhancement
Card Upgrade with Enhancement
Request for duplicate statement
Pin request for Add-On Cards
Loan detail
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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.
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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 (
+ correspondant Bank charges if applicable)
- Rs. 30 for any DD booked and sent to third Party
( + correspondant Bank charges if applicable)
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Is
there any charge for requesting a Account Statement from NetBanking?
Yes. There is a charge of Rs. 30 per statement request. Revised Charge Effective
1st Jan'2012 is Rs. 50/- per statement request.
In case you are registered for Email statement, the account statement shall
be sent to the recorded Email Address within 2 working days. There is no charge
for Emails Statements
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Where
can I open a new Fixed Deposit?
You can open a Fixed Deposit in any of our branches throughout the country.
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What
do you mean 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,
Fund Transfer, Stop Payment instruction, Fixed Deposit request. 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.
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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.
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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 to
refer to your transaction in all future communication regarding the same
- Displays an appropriate message on why it cannot complete your transaction
or asks you to try again
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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 the 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.
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Are
there any special benefits to me for using NetBanking?
There are various befenfits of using NetBanking
- Free Stop Cheque
- Statement Request
- BillPay facility
- Preferred rates for Demand Draft
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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 Netscape Navigator Version
4.7 and above.
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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.
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IPIN
(NetBanking Password) regeneration request received at branches would be charges
at Rs.50 per instance (effective 1st January 2012) Click
here to know more.
Request you to use our Insta
IPIN facility to regenerate your password online and login instantly.
What is the process for regeneration of IPIN (password)?
Incase 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 number 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 & Expiry Date
- You will then be asked to reset your NetBanking password (IPIN) and
confirm the same.
- Now, you can 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 e-Age Banking form (below), complete it and submit it at the
nearest HDFC
Bank branch.
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I
have two accounts and two Cust IDs. How do I know which password is valid
for which Cust ID?
For obvious security reasons we do not print the Cust ID or account number
on the password mailer sent to you. The only solution, therefore, is to try
the two combinations of the Cust IDs and passwords that you have. The other
option is to link both your accounts to one Cust ID and apply for a fresh
password.
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Why
is my NetBanking IPIN (password) not functioning?
There could be various reasons for the IPIN (password) not functioning:
- 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.
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How
can I log-in if I have forgotten my password?
Incase 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 number 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 & Expiry Date
- You will then be asked to reset your NetBanking password (IPIN) and
confirm the same.
- Now, you can re-login into NetBanking using the newly created password.
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How
do I change my password?
To change your IPIN (password), please follow the instructions given below
- Go to NetBanking Log-in area and key in your Cust 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 alpha-numeric and less than or
equal to 15 characters.
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I
am getting the message "Access denied". What do I do?
Reasons you could be locked out for:
- 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 the IPIN has been forgotten, then we have no choice but to regenerate
on an authenticated request from you
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How
can I block my IPIN (password) or un-register?
We require a written instruction from you to block your IPIN.
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What
are the measures I can take to ensure greater security?
- You should log-out from the NetBanking when leaving your PC.
- Always change your password continuously, choose "strong" 6 to 8 digit
passwords (alphanumeric) and change them regularly; avoid obvious passwords
(names of family members, pets, favourite musician etc), and don't tell
anyone else your passwords.
- You should not write a password down 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
- Logoff from NetBanking upon completion of your session. Use the Log-out
button to Log out so that the session closes and don't shut the window
to Log off. 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
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Who
is eligible for Credit Cards NetBanking?
All HDFC Bank customers who are
- NetBanking users and have an
- HDFC Bank Credit Card
Your card should be in regular status for accessing your card account through
NetBanking
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Is
there any charge for Credit Cards NetBanking service?
No. This service is offered free of charge
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How
can I register for Credit Cards NetBanking service?
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 On HDFC
Bank website page Choose "NetBanking" option and click on LOGIN
Step 2 On the next page click on "continue" button
Step 3 Now you are on NetBanking log in page. Please Type
your Customer Identification Number and NetBanking password (IPIN) to log
in. This brings you on the NetBanking page page that gives all your account
summary 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 e-Age Banking form (below), complete it and submit it at the
nearest HDFC
Bank branch.
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What
can I do using Credit Cards NetBanking?
Currently, you can use the following Credit Cards NetBanking features
Registration
De-Registration
View Account Information
View Unbilled transactions
View & download Credit Card statement
Register/De-register for Autopay
Credit Cards Payment
Update contact details |
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What
all information can I view in Credit Cards account summary?
The following Credit Cards account details are displayed on the screen
- Total Credit limit
(This the total credit limit assigned to you at the time of card set up)
- 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 min amount due for 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 authorizations
(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 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)
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Are
there any special benefits to me for using Credit Cards NetBanking?
Credit Cards NetBanking saves your time and provides you the convenience of
transacting from your home without hassels.
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How
can I de-register for the Credit Cards NetBanking service?
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.
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How
can I register for Credit Cards NetBanking if I don't have my Credit Card
ATM PIN number?
You can call up your nearest Credit Cards customer service number to request
for the generation of a new ATM PIN number. You can register for Credit Cards
NetBanking once you get your new ATM PIN number
To find a Credit Cards customer service number, click
here |
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What
are the charges and limits for NEFT ?
Effective 15th November, 2010, NEFT transactions on NetBanking would be charged
as below:
- Upto Rs. 1 lac. - Rs. 5 (inclusive of taxes) per transaction
- Above Rs 1 lac to Rs 2 lac - Rs. 15 (inclusive of taxes) per transaction
- Above Rs 2 lac - Rs. 25 (inclusive of taxes) per transaction
Note: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 cust id per day is
Rs. 10 lacs.
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What
are the charges and limits for RTGS ?
Effective 15th November, 2010, RTGS transactions would be charged as below:
- Rs 2 lac to Rs 5 lac - Rs. 25 (inclusive of taxes) per transaction
- Above Rs 5 lac - Rs. 50 (inclusive of taxes) per transaction
Note: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 cust id per day is
Rs. 10 lacs. Minimum amount is Rs.2 lacs
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What
are the charges and limits for Funds Transfer within the Bank ?
Funds transfer within the Bank is Free and the maximum limit per cust id per
day is Rs.10 lacs.
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If
you suspect that the security of any account has been compromised, contact
us immediately
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How
I can register for Third Party Transfer?
To register for "Third Party Transfer" (TPT) facility, please follow the instructions
below
Step 1) Fill up the TPT application
form (duly signed by the account holder/s).
Step 2)
Submit / send it to the nearest HDFC
Bank Branch.
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 from the date of receipt of your request.
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.
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When
will the transactions conducted through NetBanking be processed ?
All the instructions for instantaneous transactions will be given effect to
instantaneously unless and until some processing work or Maintenance activity
is being done. In case the services are not available during the End of the
Day processing then the transaction will get credit on the next day.
All the requests for non-instantaneous transactions such as Demand Draft Request,
Fixed Deposit Opening etc received after 10pm will be carried out at the next
working day on first in first out basis subject to availability of clear funds
in the account authorised for debit .
Similarly requests for on-line Financial transactions like Fund Transfer ,
Third Party Fund Transfer , Credit Card payments and other such payments received
after 10pm will be carried out at the next working day on first in first out
basis subject to availability of clear funds in the account authorised for
debit .
In case instructions for effecting any transactions are received on weekly
offs/holidays/public holidays, they shall be effected on the immediately succeeding
working day on the Terms and Conditions prevailing on that day.
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How
do I opt for Credit Limit Enhancement?
Step 1: Choose 'Credit Limit Enhancement' option from the list provided on
the left hand side
Step 2: Choose the relevant card and click on 'Continue'
Step 3: Enter the new limit you require. Please note it cannot exceed your
eligible limit
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Who
is eligible for Credit Limit Enhancement?
Credit Limit Enhancement option is available only to credit card accounts
eligible for limit enhancement. The decision to grant limit enhancement is
solely at the discretion of HDFC Bank and the Bank’s decision is final and
binding.
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Is
this facility available to Add-On card holders?
This facility is available to primary card holders only.
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How
long will it take for the Credit Limit Enhancement to reflect?
The new Credit Limit will reflect immediately in your card account.
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How
do I opt for Card Upgrade with Enhancement?
Step 1: Choose 'Card Upgrade with Enhancement' option from the list provided
on the left hand side.
Step 2: Choose the card to be upgraded and click on 'Continue'
Step 3: Choose the card you want to upgrade to and click on 'Continue'
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Who
is eligible for Card Upgrade with Limit Enhancement?
The option is available only to card accounts eligible for Card Upgrade with
Limit enhancement. The decision to grant Card Upgrade with Limit Enhancement
is solely at the discretion of HDFC bank and the bank’s decision is final
and binding.
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Is
this facility available for Add-On card holders?
This facility is available to primary card holders only.
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How
do I request for duplicate statement?
Step 1: Click on "Request duplicate statement" link provided on the left hand
side
Step 2: Choose the card and the month for which you want the duplicate statement
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For
what period can I request a duplicate Statement?
You can request a duplicate statement for any of the previous 8 months + current
month. The hard copy of the duplicate statement will be delivered to your
registered address in 7-10 working days. If your email address is updated,
an email statement will be sent to the same.
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Are
there any charges for this service?
There is no charge for this service.
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How
do I request a PIN for my Add-On card?
Step 1: Click on "Credit Card ATM PIN" link provided on the left hand side
Step 2: Choose the relevant card from the list and click on the "PIN Request
for Add-On Cards" link provided below
Step 3: Choose the Add-On Card number for which you want the PIN and click
"Continue"
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How
will the PIN be delivered to me?
The PIN will be dispatched to your mailing address as registered in our records.
Please ensure that your latest address is updated with us.
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Can
I request for the ATM PINs for an Add-On card?
Customers can request for the ATM PINs for their Add-On cards as well.
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What
information can I view under "Loan details"?
You can view details of the loans which you may have availed such as Cash
on Call, PL2CC(Jumbocash), Dial an EMI and Easy EMI(availed through swipe
on POS EMI at merchant outlet) with the loan booking date, loan type,
principal amount, interest rate, tenure and EMI details.
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| Register Now |
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Ready
to use NetBanking? Click
here to Register
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