In the past few years, India has witnessed numerous banking scams that have sent shudders through our banking and financial system. From the crippling debts of top companies and their owners to the collapse and mergers of various banks, several instances have rattled the country's economic stability and that of its citizens. And perhaps what is most disturbing is that it is account holders and common folk who bare the brunt of such situations since their money is at stake.
Banks are where you deposit your hard-earned money in the hope that it is safe and builds over time with interest. But when the sanctity of this institution is breached, it creates stress and a sense of helplessness. And this makes it vital to maintain an account with a reliable and secure bank.
Choosing a trustworthy bank
While the financial arena has numerous players, you must look for one that is trustworthy and fulfils specific essential criteria:
Unfailing customer service: Does the bank have dedicated staff to cater to your needs, whether you are at the branch or reaching out through customer care? A toll-free helpline number is a must as it shows the bank puts the convenience of customers first. For instance, the HDFC Bank Customer Care helpline is available 24/7, ensuring you receive timely responses as and when needed.
Helpful financial advice: Along with putting your money in a bank, you should also be able to put your faith in it when it comes to the best way to manage your money. Can you turn to the bank for financial advice, whether it is for tax saving purposes or to invest for your future? A bank that has a team of financial consultants that can guide you towards your financial goals is always a preferred choice.
Up-to-date and effective security features: While digital banking may be the way forward, there are still threats like virus, hackers and various other scams that keep people from conforming entirely to it. Therefore, the bank you choose must use cutting edge security features. Firewalls, intrusion detection systems, intrusion prevention systems, and anti-malware are some measures that HDFC Bank puts to use when it comes to securing its customers' accounts and details. Other security protocols include virtual keyboards, instant-alerts, dual authentication and PIN security, all of which safeguard a customer's money.
Why choose HDFC Bank?
Having offered the best-in-class financial and banking products and services for decades, today, HDFC Bank holds the status of being India's most trusted bank. Not only has it stayed ahead of the competition through innovative products, but it has also made banking easy and convenient for customers through a range of digital avenues.
Online and mobile banking
With HDFC Bank NetBanking and MobileBanking platforms, you can access your bank account and conduct nearly all transactions from your laptop or smartphone anytime, anywhere. These transactions can also be carried out on bank holidays and outside of office working hours. In addition to this, its Eva Chatbot can address any query you may have.
Quick loan disbursement
In an age where having quick access to additional funds is essential, HDFC Bank checks all the right boxes. As an HDFC Bank customer, you no longer have to wait for days to get a loan sanctioned; you can avail instant loans within minutes. And this is applicable for various types of loans, from personal to two-wheeler loans, and even LOCC (Loan On credit card), without much documentation.
Better business prospects
Any business owner will agree that daily operations can become convenient and seamless with digital payments, and in turn, offer better growth opportunities. Taking this into consideration, HDFC Bank offers small-business owners a one-stop solution through SmartHub. This platform allows you to instantly open an account and start accepting cashless payments from customers. It also lets you create customised payment solutions based on your business needs.
Contactless payments
With HDFC Bank PayZapp (e-wallet), Smartbuy (e-commerce venture) and Contactless Visa Debit/Credit Cards, you can now engage in contactless payments at ease in the post-lockdown era. Additionally, PayZapp and SmartBuy not only provide a more convenient way to pay utility bills and shop online but also offer exciting discounts and cashback that you can make use of to increase your savings.
Open an HDFC Bank account today
HDFC Bank's mission has always been to make banking easy and hassle-free. And keeping to this mission, you can now open a bank account from your home. This means you no longer have to physically visit a bank branch to provide documents or sign papers. Instead, you can visit HDFC Bank website and complete the process from your smartphone. With HDFC Bank's InstaAccount facility, you can open an instant savings account or Salary bank account in a few minutes. With one of the most trusted and digitally forward banks by your side, there's no reason to put off smart banking anymore.
Click here to get started.
*The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action.
