NetBanking

HDFC Bank offers you a comprehensive range of transactions across multiple products through its NetBanking channel. 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.

You can log in to NetBanking using your Customer ID and IPIN (password).

Experience Convenience ... Choose NetBanking!

Why use NetBanking?

Manage your account conveniently through the Internet.

  • 135+ transactions available on NetBanking
  • Up-to-the-second details of your account
  • Access anytime, from anywhere
  • No queues to stand in, or turns to wait for

How Safe is NetBanking?

  • Our NetBanking service is secured with industry standard technology and infrastructure

Know more

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

    Secure Access is a simple three-step process that greatly enhances your online security and allows you to transfer funds online.

Know more

What’s NetBanking all about?

Are you tired of heading down to a Bank branch? Of waiting in queues? Of not knowing how to manage your account at your convenience? We have the answer!

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

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

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

Your Customer ID is mentioned on your account statement/ account welcome letter/ chequebook. (Current account / HUF customers can obtain this from the branch). You can re-generate your IPIN online in 3 easy steps.

Some of the transactions you can do through 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?

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

The many ways through which you can register/regenerate are:

There are no charges for NetBanking registration request

Forgot your IPIN (password)?

We understand the importance of passwords in today’s online world . You could say they are the passports to our entire online lives and businesses, which is why forgetting one can be a real headache.

Well, not anymore.

Remembering your NetBanking password or IPIN is a worry of the past, thanks to our instant IPIN facility. This instantly resets your NetBanking password and generates a new one, which you can start using right away. So, there will be no delays in accessing your account if you have lost your password.

Resident Customers and NR Customers with Domestic Mobile Number registered with the bank, can Regenerate NetBanking IPIN online by following the below steps:

NR Customer with International Mobile Numbers registered with the bank need to click here to Regenerate their IPIN Online

For any further questions click here

To use Instant IPIN click here

Note: 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.

Third Party Transfer

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 about 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. DDs will be couriered to the mailing address / beneficiary address provided within 4 working days.

Third Party Transfer Registration

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

Resident Senior citizens would have to give a request at branch for TPT registration

NR Customer with International Mobile Numbers registered with the bank need to click here to Register for Third Party Transfer online

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:

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. In order to do the 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 upto Rs. 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.

What is 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 effort from your side.

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.

For more queries, click here

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

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:

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

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, at the moment, Secure Access is a free of cost service for all NetBanking 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?
To modify the details updated by you for Secure Access, please login to NetBanking and click on the Third Party Transfer tab:

To Reset the questions and answers:

  • Access your NetBanking account
  • Click on "Third Party Transfer" tab
  • Click on "Change Questions Answers" option.
  • Answer five secret questions of your choice ( Please do not share the Questions or Answers with anyone)
  • You need to authenticate the change by inputting your Debit Card details and the OTP. (OTP is a One time password that is valid for only one specific transaction sent on your registered mobile number)

To change the Image and Message:

  • Access your NetBanking account
  • Click on "Third Party Transfer" tab
  • Click on "Change Image and Message" option, select the image required and type the message Looking forward for continued patronage and support.

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 by inputting your Debit Card details and the OTP sent on your registered mobile number. 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.

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 by inputting your Debit Card details and the OTP sent on your registered mobile number.

Insurance on NetBanking

Now you can buy Life / General Insurance plans conveniently through NetBanking

Life Insurance

Ensure a financially secured future for yourself and your loved ones through Protection, Health & Retirement solutions on NetBanking from HDFC life:

  • Protection Plans
    • HDFC Life Click 2 Protect Plan
    • HDFC Life Group Credit Protect Insurance Plan (Single Premium Term Plan)
  • Health Plan:
    • HDFC Life Health Assure Plan
  • Retirement Plan:
    • HDFC Life Pension Super Plus Plan

Also Renew your existing HDFC Life policy through NetBanking.

General Insurance

You can now secure yourself, your family and your assets from the comfort of your home or office.

You can avail Motor, Health, Travel, Critical Illness and Personal Accident Insurance through HDFC Bank NetBanking in 3 easy steps & get your policy copy instantly. You can also avail 3 & 12 month EMI facility to pay your premium.

Purchase Life / General Insurance in 3 simple steps through NetBanking

  • Under the “Request” Section, in the Accounts Tab, click on "Buy& Renew Life Insurance" or “General Insurance”option, as required.
  • Select the type of Insurance, view the premium amount and “confirm” to make the payment
  • Get instant Confirmation

Virtual Keyboard

HDFC Bank's ‘Keyboard’ has three variations, thus giving customers that many more options to use the application.

  • Virtual Keyboard
  • Scrambled Keyboard
  • Hovering Keyboard

Virtual Keyboard

Virtual Keyboard is an online application, which gives an option for customers to input their NetBanking Passwords (IPINs) with the help of a mouse. There is no need to use the physical keyboard in order to input the IPINs.

How to Use the Virtual Keyboard?
Below are the steps on how to use the Virtual Keyboard:

Advantage of a Virtual Keyboard?
The Virtual Keyboard is designed to protect the customer from malicious "Spy Ware" and "Trojan Programs" designed to steal IPINs. The Virtual Keyboard reduces that risk.

Is inputting of a NetBanking IPIN through a Virtual Keyboard compulsory?
No, this is not a compulsory step. A customer can still continue to use / input his IPIN through the physical keyboard.

Scrambled Keyboard

Scrambled Keyboard is an application that is both virtual and dynamic in nature. The position of characters on the keyboard changes every time a character is inputted through the Virtual Keyboard.

How to Use the Scrambled Keyboard?
Below are the steps on how to use the Scrambled Keyboard:

Can the Scrambled Keyboard and "Mouseover/ Hovering" applications be used together?
Yes, both the applications can be used together. In order to use the same, one needs to first
1. Click on the ‘Virtual Keyboard’ option followed by
2. Clicking on ‘Scrambled Key’ option and then on the ‘Mouseover’ option

Hovering Keyboard

Hovering Keyboard is a new innovation, which helps you enter your IPIN by just pointing your mouse on the relevant character. This is also called as "Mouseover".

How to use the Hovering Keyboard ?
Below are the steps on how to use the Hovering Keyboard:

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