HDFC Bank Reviews 

I wish i could give 0 star to not 1 or 2 branch, but to the entire bank! Just because it has strong nationwide spread does not make it better! HDFC banks' customer service is just 1000 times worst! It simply makes you run from one branch to another! Cooperative banks are way better than this private brand!

HDFC BANK:Branch · Relief Road ; Address · Ground Floor Anmol Complex Relief Road Near Electricity House Ahmedabad Gujarat 380001 ; IFSC Code · HDFC0000901

My entire account frozen for over 20 days. Cannot access any money for rent, food, or bills.

Bank says "get revocation order from cyber police" but ALL contacts they provided are completely unresponsive:

Called 20+ times - nobody answers
Emailed 10+ times - zero replies
Asked to travel to Delhi/Bangalore but they froze all my money

Branch staff (Mr. Himanshu Gandhi, Mr. Nilesh Trivedi) just repeat same useless instructions. Grievance cell sends copy-paste emails - zero real help.

Small disputed amount but they froze EVERYTHING - completely illegal and disproportionate.

30+ days of financial hell. Living without money while my legitimate funds are trapped. Severe mental stress.

How they can improve:
Stop freezing entire accounts. Provide working contacts that actually respond. Show basic humanity to customers in crisis.

WARNING: Avoid this branch. They will destroy your financial life.

Bank ask why u need cash if u have good balance for about 25k and above if u withdraw 6k then they people say we don’t have sufficient cash in bank
Actually I saving account is link with equity and mutual fund so we have bear this bank else if u are going with new saving account don’t open
For credit and debit for above 10k they call and ask in which favour u have given chq payment

I m not happy with Malad west orlem branch anyway I have continue with same branch due my personal reasons

Cashier Mrs.Samyukta at Banjara hills nagarjuna hills branch dose not how to talk with customers,
Her behaviour so rude.
When I visited for cash deposit no one was there still she says I am busy with my work you have a sit for two mins , I went after 3 mins she again says I am busy you sit I will call you once i am free.Never seen such a worst service in any of the HDFC BANK's.

Worst service and worst bank experience. There is no proper procedure in place to address or clarify customer issues. The processes are disorganized, communication is poor, and problem resolution feels reactive rather than structured. Overall, the bank operates in a way that is not customer-friendly and shows little regard for user experience or service accountability.

No tie up with Vijay sales , croma , reliance digital or apple store. Always I see discount on other cards not in HDFC. This is pathetic.

Dear Sir/Madam,

I am writing to raise a serious concern regarding the freezing of my friend’s HDFC Bank account solely on the basis of frequent UPI transactions.

UPI is a payment system actively promoted by the Government of India, the RBI, and by HDFC Bank itself as a fast, convenient, and legitimate method of digital payment. Using UPI frequently for lawful personal and business transactions is entirely normal and well within the intended purpose of the system.

Freezing an account merely because a customer has made “too many” UPI payments is neither reasonable nor acceptable unless there is clear evidence of fraud, illegal activity, or a specific regulatory breach. If such concerns exist, the customer has the right to be informed clearly, in writing, with precise reasons and the relevant legal or regulatory provisions cited.

At present, the account has been frozen without proper explanation, causing unnecessary financial hardship and inconvenience. This action appears disproportionate and lacks transparency.

I respectfully request the following:

1. A clear written explanation stating the exact reason for freezing the account.
2. Reference to the specific RBI guideline, law, or internal policy under which this action was taken.
3. Immediate steps required, if any, to restore full access to the account.
4. A reasonable timeframe within which the account will be unfrozen.

If this matter is not resolved promptly and transparently, the customer will have no option but to escalate the issue to HDFC Bank’s Grievance Redressal mechanism and, if necessary, to the RBI Banking Ombudsman.

I trust HDFC Bank will handle this matter professionally and restore access to the account at the earliest.

Yours faithfully,
David Leach

Bank services are very bad. Believe me Govt banks are better nowadays. They ensure to harras you

HDFC Bank is absolutely terrible because I had my salary account with them, and my salary hasn't been credited to that account for 1.5 years. My account balance went to -959, so I tried to maintain it and deposited 959 + 10000 rupees, plus I deposited a demand draft check of ₹930. Then, I suddenly checked my account and found that my balance was shi is cut -₹8496 because they deducted their maintenance charges without any message or email. When I went to the bank and inquired, they said that only ₹2000 or ₹3000 would be returned, and the rest wouldn't. Why is this happening?

I used my HDFC IndianOil Credit Card for an ATM cash withdrawal, and the charges are extremely disappointing.

HDFC charged a high cash withdrawal fee and interest started immediately from the same day. There is no interest-free period at all. The interest amount keeps increasing every day until full repayment.

This was not clearly explained at the time of card usage. Such charges are very misleading and unfair to customers.

I strongly advise others NOT to use HDFC credit cards for ATM withdrawals unless you are ready to pay heavy interest and fees.

Very poor experience.

Please do not use any product of HDFC like pixel, they don't have any customer care number and office to reach them. And HDFC bank will not help in any unauthorised transactions.
This is the worst product I ma using and not getting any assistance by HDFC customer care and my amount got blocked, their is no clue from the customer care to reach the pixel team.

HDFC BANK IS NO ONE BANK IN INDIA BUT IN KASHMIR THEY ARE DOING PARTALITY WITH THE STAFF THE ZONAL HEAD INCLIDING CLUSTER HEADS GIVING PREFRENCES TO THERE RELATIVES FOR JOBS AND MAKING CARRIER OF THEM.
THERE ARE COMPLETE FAVORISM SOME TIMES THEY ARE TAKING MONEY AS BRIBE FROM THE EMPLOYES.
I REQUEST SHASHI JAGDISHAN TO INTERFER IN THIS MATTER OTHERWISE YOU NEED TO CLOSE THIS BANK IN JK

Pathetic online services, try to login from over 2 hours. cant get anywhere. they are always like that, my next step to contact RBI about there services. if it is in my hand close the bank

Never helpful

HDFC credit card is running a scam!, they will call you to offer loan on credit card to take advantage of people may in distress. I asked them for early closing or part payment, every they said “no problem after 3 months”. Now I want to close the loan they say regardless it’s 3% fine. When I mentioned about the promises made they said they will do an investigation but came to me saying that they have proof that customer is lying. When I asked for the proof, they are asking me to write to grievance and so. It was a day light robbery and they are happy to pray on customers like me!!

not bad , ICICI is better.

Third class bank hai.

First apane staff ko ache say train kare

The account managers who opened my account gave me all false information. They also provided incorrect address and i had to run from one courier service to another to get my debit card, pin and kit. They were very unprofessional and unhelpful. Hdfc should make sure to keep qualified staff, not unprofessional bimbos who don't know how their process works and how long it takes to open an account. It took more than 4 weeks to get the customer id and still missing the kit. This was at the dhayari branch.

I recently visited HDFC Bank to open a salary account. The initial in-branch process was smooth, which was contrary to many negative reviews I had read. Unfortunately, the experience after that was deeply disappointing and concerning.

During the process, I was asked to install HDFC SKY. Initially, it was presented in a way that made it seem like part of the regular banking setup. Later, it was clarified that this was actually a promotional investment/trading app. However, by that point, I felt I could not reasonably refuse, as I was concerned that doing so might delay or negatively impact the activation of my salary account.

Subsequently, a Demat account was activated without my explicit consent. I was then asked to add approximately ₹150 to the SKY wallet to “complete the process,” with assurances that the amount could be withdrawn the next day. Trusting this assurance, I complied.

Throughout this time, I was repeatedly told that my salary account would be activated within one day. Instead, I received follow-up calls only related to the promotional app. When I later asked about the account activation status, I was asked to call back later. Despite multiple attempts, my calls have gone unanswered.

It has now been four days since my bank visit, and my primary salary account remains inactive, while the unwanted promotional app and Demat account are fully active. This sequence of events is frustrating and raises serious concerns about transparency, consent, and prioritization of sales targets over customer service.

Cross-selling should be transparent and optional. Customers should not feel pressured to accept unrelated products out of fear that essential services will be delayed. I hope HDFC Bank reviews these practices and ensures that ethical standards and customer trust are upheld.