hdfc services

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About it

HDFC Bank was incorporated in August 1994, and, currently has an nationwide network of 2000 Branches and 5,998 ATM's in996 Indian towns and cities.

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Awards

Our single-minded focus on product quality and service excellence has helped us garner the appreciation of bothnational and international organizations.

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Financial Information

All the facts and figures highlighting the rapid growth of HDFC Bank over the last nine years.

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Careers

Join the workforce of India's leading private sector bank that has won accolades from top national and internationalmagazines, and explore a world of opportunities.

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Citizen's Charter

Our Citizen's Charter offers relevant information about the products, facilities and services we provide.

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Corporate Gover nance

HDFC Bank's Corporate Governance Policy has been adopted keeping in mind the importance of attaining fairnessfor all stakeholders, as well as achieving organizational efficiency.



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Shareholding in the Bank

Browse through our current as well as previous records detailing the distribution of shares.

Join the winning team

HDFC Bank is a young and dynamic bank, with a youthful and enthusiastic team determined toaccomplish the vision of becoming aworld-class Indian bank.

Our business philosophy is based on four core values - Customer Focus, OperationalExcellence, Product Leadership and People. We believe that the ultimate identity and success of

our bank will reside in the exceptional quality of our people and their extraordinary efforts. For this reason, we are committed to hiring, developing, motivating and retaining the best people in

the industry.

Mission and Business Strategy

Our mission is to be "a World Class Indian Bank", benchmarking ourselves against internationalstandards and best practices in terms of product offerings, technology, service levels, risk

management and audit & compliance. The objective is to build sound customer franchises acrossdistinct businesses so as to be a preferred provider of banking services for target retail and

wholesale customer segments, and to achieve a healthy growth in profitability, consistent withthe Bank's risk appetite. We are committed to do this while ensuring the highest levels of ethical

standards, professional integrity, corporate governance and regulatory compliance.

Our business strategy emphasizes the following :Increase our market share in India¶s expanding banking and financial services industry by following adisciplined growth strategy focusing on quality and not on quantity and delivering high quality customer service.

Leverage our technology platform and open scaleable systems to deliver more products to more customers andto control operating costs.

Maintain our current high standards for asset quality through disciplined credit risk management.

Develop innovative products and services that attract our targeted customers and address inefficiencies in theIndian financial sector.

Continue to develop products and services that reduce our cost of funds.

Focus on high earnings growth with low volatility.

What can I do using NetBanking?

Our industry leading service provides a host of features at your finger-tips:



View Account Balances & Statements

Download Account statement in pdf format for the past 5 months & current month.

Transfer Funds between accounts

Create Fixed Deposits Online

Request a Demand Draft

Pay Bills

Order a Cheque Book

Request Stop Payment on a Cheque

And lots more

View our NetBanking Demo to find out more about what you can do online.

Why should I use NetBanking?

Internet Banking is the most convenient and powerful way to manage your account.

NetBanking is Real Time, giving you up-to-the-second details on your account.It can be accessed anytime, from anywhere, giving you complete control over your finances

There are no queues to stand in, or turns to wait for. With NetBanking you are in control.

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

So next time you think of visiting your branch, switch on your PC instead.

View the NetBanking Demo and see how easy it is to use.

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We take great pleasure in announcing that the HDFC Bank NetBanking service is now available for Credit Cardsalso. Now using your HDFC Bank Credit Card has become more convenient and time saving. You can now accessyour Credit Card account from home or office or even while traveling. With NetBanking you can view your cardaccount information and do much more just at the click of a button. Currently the following Credit Cards Netbankingfeatures are available :-

View

Account Information

Unbilled Transactions

Credit Card Statement

Download Card Statement (upto last 6 months)

Request for

Autopay Register (Only for HDFC Bank account holders)

Autopay Deregister



Statement on E-Mail

Credit Card ATM PIN

Register New Card

Deregister Card

Credit Card Payment (Only for HDFC Bank account holders)

This service is offered completely free and you can be assured of complete privacy when you use our NetBankingfacility. For registration process details and other queries, please refer to the frequently asked questions (FAQs)section.

Register your Credit Card for Netbanking now and access your Credit Card account anytime, anywhere.

OneView is a revolutionary service from HDFC Bank that allows you to manage multiple accounts in different banksthrough one single online interface.

If you are an HDFC Bank customer and have one or more accounts with Citibank, ICICI Bank, HSBC India, StandardChartered Bank then OneView is just right for you.

Features & Benefits

No need to individually log on to internet banking of every account. Just log on to One View and manage uptoFIVE accounts in different banks.

Remember only ONE password.

No charges whatsoever - Enjoy this convenience, absolutely FREE!

View our OneView Demo to find out more about how to register and use this service.

How secure is OneView?

OneView gives you the world class banking security and technology sophistication you'd expect of HDFC Bank, withfeatures such as:

Robust firewall protection makes it nearly impossible to break through.

All information is transmitted using advanced 128 bit Secure Socket Layer (SSL) encryption technology.

Automatic time-outs ensure that your account details are not viewed by others.

You can only view your accounts and cannot transact, so your money is absolutely safe.

Now you can get regular updates on your bank account on your mobile phone or email ID.

Just register for our InstaAlert service and receive updates on your account as and when the select transaction

happens - all this without visiting the branch or ATM!

You can register for any or all of the following alerts:

Debit transactions greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000

Credit in account greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000

Account Balance below Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000-



Weekly account balance

Salary Credits*

Utility bill payment due Alert**

Your Mobile is now your bank! Now access your bank account and conduct a host of banking transactions throughyour mobile, with our unique MobileBanking service.You can check your account level information such as balancedetails, mini statement, cheque status as well as carry out financial transactions such as Funds Transfer using HDFCBank MobileBanking service.

What can I do using HDFC Bank MobileBanking ?

Using our MobileBanking service, you can avail of a host of features at your finger tips

Perform funds transfers *

Get your balance details

Obtain your last 3 transaction details

Request a cheque book

Stop a cheque payment

Enquire cheque status

Request an account statement

Get Fixed Deposit details

Request for I-PIN generation

Request a cheque book

With wide spread network of 5,998 ATMs across India, enjoy the following benefits at your convenience.

24-hour access to Cash - Withdraw up to Rs.15, 000/- per day on your ATM Card and up to Rs. 25,000 on your Debit Card. To know more click here.

Personalised Cash Withdrawals ± Save time on your cash withdrawal transactions by pre-setting your preferred language / account / amount.

View Account Balances & Mini-statements - Get details of the last 9 transactions on your account with themini-statement, along with your account balance.

Change ATM PIN - Change your ATM PIN at any given point in time.

Order a Cheque Book / Account Statement

HDFC Bank Credit Card Payment - Make payment of your HDFC Bank Credit Card dues using the ATM. Theprimary account of your Debit / ATM card will be debited.

Deposit Cash or Cheques - Deposit Cash or Cheques into your account without visiting the Branch. Availableat Non-Branch HDFC Bank ATMs.

Transf er Funds between accounts ± Transfer money between your accounts. Both accounts must be linked toyour ATM / Debit Card. Maximum of 16 A/cs (Savings / Current) can be linked to a card.

Refill your Prepaid Mobile ± Refill your prepaid mobile using Prepaid Mobile Refill service instantly. To knowmore about Prepaid Mobile Refill click here.

Pay your Utility Bills - Pay your mobile, telephone and electricity bills through the ATM using BillPay, acomprehensive bill payments solution. To know more about Bill Pay click here.



Cheque Status Enquir y - Get information about status of the cheque issued from your account.

NetBanking Password Request ± Request for your NetBanking Password (IPIN) and the same will bedispatched to your recorded mailing address.

There are no charges levied for use of other Bank cards on HDFC Bank ATMs for cash withdrawals and balanceinquires.

Your phone is now your bank!

PhoneBanking services are a combination of IVR and Agent offering, depending on the type of transaction. For alltransactions that cannot be completed on the IVR such as reporting loss of cards, logging complaints, requests &queries, PhoneBanker-assisted services are available.

Avail of the following ser vices via PhoneBanking:

Check your account balance - Get up-to-the-second details of your Savings or Current Accounts and your Fixed Deposits. You can also get the details of the last 5 transactions on your account, or have a mini statementof last 15 transactions faxed across to you.

Enquire on the cheque status - You can use PhoneBanking to check on the status of cheques issued or deposited from anywhere in India.

Order a Cheque Book / Account Statement - Just call PhoneBanking and get your Cheque Book or latest Account Statement delivered at your doorstep.

Stop Payment - Stop payment of a single cheque or a series of cheques, 24 hours a day.

Loan Related quer ies - Get details of the outstanding loan amount, enquire about your loan account, request for an interest certificate and repayment schedule, etc. Just call PhoneBanking in your city, select your preferredlanguage and dial 4 to speak to our PhoneBanker.

Demat Related Quer ies - Get details of Account holding, Transaction details, ISIN Number of a scrip, status of Depository Slips, Client Master list details, Charges for the account and others. Call PhoneBanking in your city,select your preferred language & dial 5 to speak to our PhoneBanker.

Open a Fixed deposit *#- Talk to our PhoneBanker to open a Fixed Deposit over the phone, by simplyauthorising a transfer of funds from your Savings Account.

Transf er Funds between accounts*# - You can also transfer money from one of your accounts to another.Both accounts must be linked to your Customer ID. You can transfer amounts upto Rs 1 Lac in a single day.

Pay your bills - Pay your cellular, telephone, electricity bills through PhoneBanking using BillPay, acomprehensive bill payments solution. Know more about BillPay.

Re-generation requests for ATM / Debit card PIN / NetBanking IPIN,etc - Call PhoneBanking in order toregenerate your ATM / Debit card PIN / NetBanking IPIN,etc.

Report loss of your ATM / Debit / Prepaid Card - If your ATM / Debit / Prepaid Card is lost, call anyPhoneBanking number to hotlist / block your card(s).

Lear n about all our other pr oducts - Get details on HDFC Bank products & services by talking to our PhoneBanker.

Enquire about latest Interest / Exchange rates - Get latest Interest rates on Deposits and Foreign Exchangerates by talking to our PhoneBanker.

Request a Demand Draf t / Manager 's Cheque #** - Call PhoneBanking and get a Demand Draft / Manager'sCheque delivered to your doorstep.



HDFC Bank introduces Email Statements for all its Savings & Current account holders.

The good news is, you can now receive your statements via email without any delays. You also have theoption to maintain the statement on email, print it or save it on a CD.

Essentially, you will receive the same information you would normally receive by mail, but now at the click of abutton.

Features & Benefits

Email Statements are FREE.

If you have a savings account you will get monthly Email Statements.

If you have a current account you can opt for daily / weekly / monthly Email Statements

Physical statements will be discontinued if you opt for Email Statements.

Email Statements will follow a staggered cycle, based on the date of account opening.

Even if you are registered for hold mails, you can opt for Email Statements.

Get information on our new products and mandatory information online.

Customers covered under Imperia, Preferred and Classic programmes will receive Combined Emailstatement for all accounts (across Savings, Current and Fixed Deposits) linked to the Primary Customer Id

Welcome to the networked world of HDFC Bank. You can open an account at any branch nearest to your residence

or office and access it at any branch in the city or anywhere in the country.

The sophisticated computerised network gives you the flexibility of accessing your Savings or Current Account from

any of our over 2000 branches and over 5,998 ATMs across India.

Find the branch closest to you

Find the Retail Loan Service Centre closest to you

Villages covered by the Bank through its Business Correspondent network.

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At HDFC Bank, we understand the value of your time and the opportunities it holds for you. Your personal financialinvestment needs might get overlooked, while you attend to your business and professional needs. In line with this,we are pleased to offer to you a customisedInvestment Advisor y Ser vice for your existing portfolios and regular investable surpluses.

The service offers research ± based advice to optimise returns on your investment portfolio across a range of financial instruments, keeping in line with your profile and investment objectives. Your existing portfolio is analysed toadvice you on rebalancing to obtain an optimum asset mix. Here, a dedicated advisor regularly guides you throughthe evolution of new market opportunities, to evaluate and restructure your existing investment portfolio.

Recognition f r om UTI MF & CNBC TV 18

HDFC Bank has been awarded as the 'Best Performing National Financial Advisor Bank' at the UTI MF - CNBC TV18Financial Advisor Awards 2009 - 2010 for the second time. These awards are one of India's most authoritativeevaluations that recognize best financial advisors across the country and also the contribution they have made to thecreation of wealth & to the distribution of productive financial advice.

Recognition f r om Financial Times



A yet another prestigious recognition for HDFC Bank is to be awarded as 'Best Private Bank in India' at the 2010Global Private Banking Awards, presented by The Banker and the Professional Wealth Management (PWM)magazine brought out by the Financial Times. The award recognizes institutions that are successfully adapting to theever- evolving economic landscape while fully satisfying their clients. The award focused on the alignment of interestsbetween banks, their relationship managers and their clients. It's a deserving honor for our private banking businessas amongst the other 74 submissions, we were judged by an expert panel of 7 industry professionals based in North

America, Asia and Europe, reflecting the high standards and global presence of the award.

HDFC Bank Imper ia Banking

HDFC Bank Imperia Premium Banking programme is designed for the royalty of today - you. It seeks to enhance theexclusivity that you are accustomed to and pampers you with services that others can only dream about.

Be it a dedicated Client Relationship Manager, customised investment advisory or exclusive privileges, Imperia takescare of every little detail to ensure a banking experience like no other.

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HDFC Bank Pref erred Banking

If you expect more from everything, even your bank, we invite you into the world of exclusive banking. Where you willnever again have to wait to be served. With our HDFC Bank Preferred Programme, your comfort always comes first.

Ideal for seasoned professionals or businessmen, this programme will provide you with a banker dedicated to takecare of all your banking and investment needs. It also means you get preferential rates on various banking productsand other exclusive benefits.

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HDFC Bank Classic Banking

If you want to experience banking beyond the ordinary, our HDFC Bank Classic Programme is just for you.

Becoming an HDFC Bank Classic customer entitles you to a host of benefits, including a bouquet of preferentiallypriced products and specialised Investment solutions.



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With HDFC Bank's payment services, you can bid goodbye to queues andpaper work. Our range of payment options make it easy for you to pay for avariety of utilities and services.

Ver ified by Visa (VBV) / Master Card SecureCode

Do you want to be worry free for your online purchases. Now you can shopsecurely online with your existing Visa Debit/Credit card.

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NetSaf e

Now shop online without revealing your HDFC Bank Credit Cardnumber. Whats more, you can now use your HDFC Bank Debit Card also for online purchases.


Mer chant Ser vices

Accept all Visa, MasterCard, credit and Debit cards at your outlets throughstate of the art POS Machines or through your website and experience



hassle free payment acceptance.

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Prepaid Mobile Refill

If you are an HDFC Bank Account holder, you can now recharge your

Prepaid Mobile Phone with this service.Know More

ngpay

ngpay offers a range of services from it's network of partners. In a simple,consolidated menu, you can discover and choose merchants or serviceproviders with whom you want to transact.

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BillPay

Pay your telephone, electricity, mobile phone bills and insurance premium at

your convenience, through Internet. ATM or your phone - with BillPay, acomprehensive bill payments solution


Visa BillPay

Pay your utility bills from the comfort of your home! Pay using your HDFCBank Visa credit card and forget long queue and late payments forever

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PayNow

Use your HDFC Bank Credit Card to pay your utility bills online, makesubscriptions and donations; no registration required. Enjoy credit free periodand reward points as per your credit card features.

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Register&Pay

Enjoy complete bill payment solution under one roof. View and pay all your mobile, telephone, electricity bills and insurance premia on-line. Register once and get sms and e-mail alerts everytime your bill is received.


InstaP

ay Pay your bills, make donations and subscribe to magazines without goingthrough the hassles of any registration.

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DirectPay

Shop or Pay bills online without cash or card. Debit your account directly withour DirectPay service!



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Visa CardPay

Transfer funds to any Visa Card (debit or credit) within India at your ownconvenience through HDFC Bank's NetBanking facility.

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e-Monies National Electr onic Funds Transf er

Transfer funds from your account to other Bank accounts across India usingHDFC Bank's NetBanking facility

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Online Payment of Excise &Ser vice Tax

Make your Excise and Service Tax payments at your own conveniencethrough HDFC Bank's NetBanking facility.

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Online Payment of Direct Tax

HDFC Bank was the first private sector bank to be authorised by the CentralBoard of Direct Taxes (CBDT) as well as the Reserve Bank of India for collection of direct tax

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Online payment of DVAT and CST

HDFC Bank is one of the first few banks to launch an Internet payment optionfor payment Online payment of Delhi Value Added Tax (DV AT) and CentralSales Tax (CST). Through this facility you can now make your DV AT & CST

payments at your own convenience through HDFC Bank's NetBankingfacility.

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Online payment of GVAT

HDFC Bank is one of the first few banks to launch an Internet payment optionfor payment Online payment of Gujarat Value Added Tax (Gujarat V AT).Through this facility you can now make your V AT payments at your ownconvenience through HDFC Bank's NetBanking.

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Religious Off er ings

Now donate to your favorite temple easily and securely using HDFC BANK'sNetBanking.

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Donate to Char ity

Now donate to your favorite organisation easily and securely using HDFCBANK's NetBanking.



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RTGS Funds Transf er

RTGS is an inter-bank funds transfer system, where funds are transferred asand when the transactions are triggered (i.e. real time).

Haven't you occasionally dreamt of buying a PC , a car of your choice or even travelling abroad? Your dreams arenow within your reach. Whatever your need, we offer an entire range of loan products.

Personal Loans

A wedding in the family? Maybe your house needs renovation? Our range of Personal Loans brings you one stepcloser to your dreams.

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SmartDraf t

Need additional funds? SmartDraft offers you an easy-to-use overdraft facility of upto 3 times your salary

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Home Loans

Get the home of your dreams - with a little help from us.

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Two Wheeler Loans

With flexible payment options and easy repayment, our Two Wheeler Loan offers the perfect excuse to purchase thatbike you've always wanted.

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New Car Loans

Drive away the car of your dreams - with our New Car Loan!

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Used Car Loans

Choose any used car manufactured in India and we'll put you in the driver's seat!*

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Gold Loan

With HDFC Bank's Gold Loan, you can get an instant loan against your gold jewellery and ornaments. The procedureis simple, documentation is minimal and approval is quick.

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Educational Loans

Bridging the gap between you and higher education.

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Loan Against Secur ities

Get an overdraft against your securities like Equity Shares, Mutual Fund Units,Gold ETF, NABARD's BhavishyaNirman Bonds, GOI Relief Bonds, LIC Policies, NSC, KVP, Gold Deposit Certificates, Non Convertible Debentures.

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Loans Against Pr operty

Get a loan against your residential or commercial property. Flexibility to choose between an EMI based loan or anOverdraft.

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Loans Against Rental Receivables

Need additional funds for your business? Our Loan against Rent Receivables gives you the perfect opportunity tosupplement your regular cash flow.

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Health Care Finance

Do you need medical equipment that will change your clinic/hospital into a modern day diagnostic center, but don'tknow where to get the finance?

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Retail Agr i Loans

A convenient and hassle-free loan to meet your farming production and investment requirements.

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Tractor Loans

If you are looking for finance to buy your tractor, you have come to the right place. We offer hassle-free Tractor laonwith the best terms for funding at the most attractive rates in India.

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Commer cial Vehicle Finance

If you are looking for finance to buy your commercial vehicle, you have come to the right place. We offer hassle-freeCommercial Vehicle Loan with the best terms for funding at the most attractive rates in India.

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Construction Equipment Finance

If you are looking for finance to buy your construction equipment, you have come to the right place. We offer hassle-free Construction Equipment Loan with the best terms for funding at the most attractive rates in India.

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Warehouse Receipt Loans

Realize better prices and avoid distress sale for your commodity on availing HDFC Bank Warehouse Receipt Loans.The procedure is simple, documentation is minimal and approval is quick.

Banking should be effortless. With HDFC Bank, the efforts are rewarding. No matter what a customer's need andoccupational status, we have a range of solutions that are second to none.

Whether you're employed in a company and need a simple Savings account or run your own business and require arobust banking partner, HDFC Bank not only has the perfect solution for you, but also can recommend products thatcan augment your planning for the future.

Savings Accounts

These accounts are primarily meant to inculcate a sense of saving for the future, accumulating funds over a periodof time. Whatever your occupation, we are confident that you will find the perfect banking solution. Open an accountin your name or register for one jointly with a family member today.

Regular Salary Savings Plus Classic

SavingsMax Payroll No Frills Regular

Institutional Savings Premium Senior Citizens Defence

Retail Trust Kisan No Frills Savings

Kids Advantage Kisan Club Savings

Pension Savings Reimbursement

Family Savings

Current Accounts

Now, with an HDFC Bank Current Account, experience the freedom of multi-city banking! You can have the power of

multi-location access to your account from any of our 2000 branches in 996 cities. Not only that, you can do most of your banking transactions from the comfort of your office or home without stepping out.

We make it our business to help you with your business by offering you a Current Account with all the benefits youneed to stay ahead of your competition.

At HDFC Bank, we understand that running a business requires time and money, also that your business needs areconstantly evolving. That's where we come in. We provide you with a choice of Current Account options toexclusively suit your business - whatever the size or scope.



Open an HDFC Bank Current Account & control your business operations centrally.

Plus Trade Premium

Regular RFC Domestic Flexi Current Apex Max

Choose the product most suitable for you:

Fixed Deposits

Long-term investments form the chunk of everybody's future plans. An alternative to simply applying for loans, fixeddeposits allow you to borrow from your own funds for a limited period, thus fulfilling your needs as well as keepingyour savings secure.

Regular Fixed Deposit SuperSaver Sweep-In

5 Year Tax Saving Fixed Deposit

hdfc services

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