HDFC Bank Reviews 

Worst bank, dont ever choose HDFC bank, they lik you feet to get account open and once you open account and deposit money they dont care about anything as they have your money and you have to get frustrated to get a solution everytime you need their support, specifically Model Town Brand sonipat haryana-131001, worst branch, poor uneducated staff.

This bank is worst than any other bank that exists in India. They will delay your loans just so they can get more interest in first EMI. And their staff are so slow.... If you are looking for home loan or any other service I'd recommend any bank other than HDFC

Value less debit cards. inaccessible in Kolkata airport lounge.they promise something and you get disappointed with their lounges refuse to accept your card
Like most bank HDFC also false makes promises

I don't wish to give one star this is worst organisation like HDFC Bank according to me HDFC is a worst bank in india because of them now i am suffering a lot my account was changed from salary to savings it was not informed to me that min balance should be maintained nearly more than 1000rs their debiting without prior intimation which is not all acceptable debiting daily expenses I curse they will face the consequences accordingly karma is a boomerang it will take care if HDFC gets huge lose or closed i will be the first to happy i will celebrate it like anything

Had a very bad experience with the sales person for loan , they know not much handling overseas customers. Had tried for a home loan , initially they were excited and for NRI customers they are checking with CIBIL score from India which do not makes any sense as my entire life I stayed overseas over 2 decades and I have a NRE / NRO account with them. Even the person from sales and loan department do not have any knowledge how affidavit works overseas.

Terrible customer service. The account activation process is slow, inefficient, and far from user-friendly. Getting a simple update takes multiple follow-ups. Expected much better from a leading private bank.

This is worst bank i experienced, specifically LAS ac, they are cheating customer directly but Govt is silent on this. In LAS they sale assets whenever Market is down and makes profit in high time. Everyone sees it but corrupt govt officials will never see it. Loan trap is known business everyone but again blind laws are supportive for banks only. Never get into this bank loan trap, they will give huge words to get into it and lastly you will be bakra for halal.

Horrible experience with NRI account - When I was in India, I tried to change my phone number to an Indian number. I was on a 2-week vacation. After 3 visits to various branches, they took 14 days to change the number. So, I could not use the money from the bank. After coming to the USA, I tried to change it back to the US number. After several calls and after sending the passport copy with the request twice, they have still not changed my number. I have not been able to use the money that I have with them for over a year. Horrible service. When I call, they promise to take care of it right away. NRIs, please do your research before you use this bank. My other Indian bank changed the phone number over the phone .

I'm very disappointed with the home loan process. Communication was extremely poor, and calls or emails often go unanswered for days.
I have provided all the information when I submitted the application but despite that they were still chasing and asking to submit same documents again and again. It did impact processing time and delayed by number of weeks. It took more than 3 weeks and didn't materialise at all. So, in the end I had to cancel my loan application and till today they didn't even return my processing fee of Rs 2360.

I can name the team of, Amit Rode, Krutika Dhoble, Punam Sapkale, Sameer Pednekar and Ashish Mandavkar who wasted my time and more importantly could have affected my home deal.

Based on my experience, I would definitely not recommend this HDFC Home Loan service to anyone. Please avoid them

I wouldn't even want to give 1 star rating to HDFC.

One of the most frustrating banking experiences I’ve had. A massive amount was deducted from my account for minimum balance charges, which feels completely excessive. Policies like this punish customers rather than support them. Extremely disappointed with the lack of transparency and customer-friendly service.

I am fed up with repeatedly submitting KYC documents without any clarity from your staff on what is actually required. Despite submitting five times, my documents are consistently rejected with no proper feedback on what is missing. This lack of transparency and guidance is unacceptable.

At this point, I am considering canceling my accounts. Good luck with your services — you will need it if this is how you treat customers.

The bank should stop providing inaccurate updates and false assurances. The lien was not invoked on 1st June; instead, an amount of ₹3,293 was directly debited from my account without my consent. Further, this month again, I had taken a salary advance to meet a medical emergency, and these unauthorized debits have caused significant hardship. I request that you provide a clear and specific response instead of generic explanations. Most importantly, I seek the immediate refund of ₹12,960, which was debited from my account without my authorization. Kindly arrange for the reversal of this amount at the earliest.

I am again writing the same mail I mentioned in my previous mail:

The Card Member Agreement does not contain any explicit consent from the customer for the exercise of the right of lien and set-off. As per Fair Practices Code principles, such arrangements should be supported by specific and informed customer consent.

Further, I am unable to understand why the Compliance Officer has remained silent on this issue, despite the concerns raised regarding the unauthorized exercise of the lien.

In your email, you have stated that appropriate notices were sent to my registered mailing address. If such records are available, please share copies of the communications along with the corresponding audit trail and proof of delivery. To date, no such evidence has been provided, which raises serious concerns regarding the existence of the consent and communication records being relied upon.

I am resending my concerns again as below:

• On multiple occasions, amounts in excess of the dues have been lien-marked and subsequently adjusted or reversed without any prior communication, explanation, or customer consent.
• As per my latest Statement of Account (SOA), there are no outstanding dues. Therefore, the levy of these old and unexplained charges appears unjustified and lacks transparency.
• If the underlying event pertains to November ’25, it is unclear why these charges have been debited in May ’26. Such a significant delay raises concerns regarding the bank’s reconciliation and control processes.

This action appears to be in violation of the RBI Fair Practices Code and raises serious concerns regarding customer rights and consent.

I request you to immediately reverse the debited amount of ₹12,960 along with applicable interest and provide a detailed explanation for these charges.
Failing a satisfactory resolution, I will be constrained to escalate the matter to the Reserve Bank of India and pursue appropriate legal remedies, including seeking compensation for harassment, mental anguish, and associated expenses.

I understand that this may be a long process to obtain the refund; however, I am confident that the amount, along with applicable interest, will be refunded, as the unfair and unethical practices followed by the bank are clearly evident.

I would also like to highlight that HDFC employees have been continuously following up with me over email for the past month, seeking consent for an action that has already been executed. This clearly raises concerns regarding the unfair and unethical practices being followed by the bank

Service? Thair IVR keeps turning you down and it takes 6 calls to get through to someone. They can put amounts on hold (by working online) but their accounts team has no ability to unhold funds by working online? Wow. Moreso, they put my rent on Hold because of uncleared charges? Inconsiderate , as I'd said. This is really poor infrastructure. The bank already has really a poor poor rating on TrustPilot and I now know why. I will be taking this to social media platforms.

Staff did all they can.

I had a highly disappointing experience with HDFC Bank, Lakshmipuram Branch, Guntur, which seriously affected my trust in the level of customer support being provided.
1. Long-Term Customer Loyalty Ignored
I have been using the same HDFC salary account for almost 18 years. As a loyal customer, I expected much better support, especially during an urgent financial need.
2. ATM Cash Unavailability
I am from Bangalore, where my salary account is maintained. While I was in Guntur, I urgently needed to withdraw cash. Since I did not have my cheque book with me, I first visited multiple HDFC ATMs. Shockingly, none of the ATMs had cash available. In urgent situations, this is highly inconvenient and unacceptable.
3. No Proper Support at Branch Level
As my last option, I visited the Lakshmipuram branch expecting immediate assistance. The branch staff asked me to provide ID proofs and complete all required verification.
4. Lack of Clarity from Bank Staff
Even after verification, the staff seemed unclear about the withdrawal limits and procedures for a non-home branch account. They had to contact multiple people just to understand the process and then explain it to me. It was concerning to see branch staff unsure about basic banking procedures.
5. Biometric Failure with No Alternative Solution
After making me wait through the full process, I was finally informed that the biometric system was not working, and because of that, they could not provide cash withdrawal. No alternative solution was offered.
6. Relationship Manager Could Not Help
I also reached out to my Relationship Manager, who is specifically tagged to my account, expecting some support during this urgent situation. Unfortunately, even he was unable to provide any practical help or solution.
7. Serious Concern During Emergencies
My biggest concern is — in a medical emergency or urgent situation, what is a customer supposed to do when:
◦ ATMs have no cash
◦ Branch staff are unclear about procedures
◦ Biometric systems fail
◦ No alternative support is provided
◦ Even the dedicated Relationship Manager cannot assist
8. Overall Disappointment
If a customer who has been banking with HDFC for nearly 18 years faces this level of difficulty in withdrawing his own money, it raises serious concerns about customer support efficiency.
This entire experience made me feel unsupported, helpless, and extremely frustrated. Technical issues can happen, but poor coordination, lack of clarity, and failure to support customers during urgent situations should not be acceptable from a bank like HDFC.
I sincerely hope HDFC Bank improves ATM cash availability, strengthens branch-level knowledge, ensures backup solutions when systems fail, and provides better support to customers—especially long-term loyal customers—when they need help the most.

Very worst and poor customer service I am very frustrated when I go for closure my account

They take 2-3 days to clear cheques of the same bank.Every time we have to go and remind them.Then they apologise and do the needfull..Pathetic service.it has to me in 2 branches.....
Sarita vihar,New Delhi..110072
Sec 93,Noida. 201304

Hey I m from Ahmedabad
Current account in hdfc bank since 7 years
But service is third class , most bogus experience ever
My party’s check return on 16 th may 2026 and I still not get that return check of 7 days gone .

Even in india central bank like government bank have atleast call and arrange within 2 or 3 days of home branch

HDFC bank is pathetic
😡

Worst bank service is very bad even no reply they give over the mail my amount got stuck and still there is jo resolution

Worst banking experience I have ever had.

HDFC Bank left me stranded in Dubai with no access to my own money after repeatedly providing false and misleading information.

For three weeks, I waited for a credit card that I needed for an important business trip. Throughout that period, I was never properly informed about delays, many of which were caused by the bank’s own misinformation and poor internal coordination.

Because the credit card did not arrive in time, I was forced to rely on my HDFC debit card. Given my growing lack of trust, I specifically confirmed with my Relationship Manager before traveling that the debit card was fully activated and would work internationally. I was explicitly told: “Sir, it is fully active. You can use it anywhere in the world.”

That statement was completely false.

The moment I landed in Dubai, my card was declined everywhere. I could not pay for an Uber, buy food, get a coffee, or pay for accommodation. I was effectively stranded in a foreign country with no access to funds and had to depend on the kindness of strangers for shelter.

I spent over 12 hours on the phone with HDFC trying to resolve the issue. No one was able to provide a solution. Instead, I received an automated response stating that they would get back to me by June 26. This was on May 19, meaning the bank was prepared to leave me without access to money, food, transportation, and shelter for more than a month.

As a result, I missed important work meetings and suffered significant professional and personal disruption.

My Relationship Manager demonstrated a shocking level of negligence and irresponsibility. Even more concerning was the complete lack of support from Branch Manager Ishtri Patel, who never contacted me directly despite the seriousness of the situation.

What I experienced was an organization buried under layers of bureaucracy, poor communication, and total indifference to customer welfare.

HDFC Bank appears highly efficient when opening accounts and collecting your money. When a genuine emergency arises, however, customer service and accountability are nowhere to be found.

I am filing formal complaints with the appropriate banking authorities and exploring legal action to recover damages caused by this negligence.

There are many banking options in India. If you value competence, accountability, and reliable customer support, I strongly recommend choosing another bank.

Just beyond pathetic and incompetent. This is HDFC bank, Indiranagar branch, I’m talking about. They had assigned a relationship manager to me who once called me a couple of months back requesting a house visit which seemed necessary for my KYC & address update. The lady arrived 1.5 hours late, collected the data, even after two weeks of this visit, the updation didn’t happen! Then after multiple calls, the kyc updation happened after 3 weeks of this visit, the address still couldn’t be updated! Again multiple calls and then the address gets updated, and guess what! Only half the address is updated, rendering the address absolutely useless. This was about 5 weeks after the visit. Then madam had the audacity to tell me that I was upset so she didn’t proceed with the correction. Ultimately after several calls the address does get updated but in this confusion HDFC bank froze my account without any notification or permission because they suspected fraudulent activity. This is how nasty and pathetic and unprofessional their service is. And then, Just hate it now. Seriously considering closing my account with them.