HDFC Net Banking

Creating an HDFC Bank Account Creating an HDFC Bank account is the initial step towards gaining access to HDFC Bank Net Banking. Here are the steps:  

Step 1: Visit a Branch or Online Application: Visit the nearest HDFC Bank branch or use the bank's official website or mobile app to initiate the account opening process. 

Step 2: Provide Required Documentation: Submit necessary documents such as identity proof, address proof, and photographs as per the bank's guidelines. This may include documents like Aadhar card, PAN card, utility bills, and passport-sized photographs. 

Step 3: Fill in the Account Opening Form: Complete the account opening form with accurate personal information. The form typically includes details such as name, address, contact information, and occupation. 

Step 4: Initial Deposit: Deposit the required initial amount as specified by the bank to activate the account. 

Step 5: Receive Account Kit: Upon successful verification, you will receive an account kit containing your account number, welcome documents, and other relevant information. 

Obtaining the Necessary Credentials for Net Banking: After successfully creating an HDFC Bank account, you will need specific credentials to access HDFC Bank Net Banking. These credentials typically include: 

• Customer ID: This is a unique identification number provided by the bank. It is essential for accessing various banking services online. 
• Debit Card: A debit card linked to your HDFC Bank account is crucial for online transactions and serves as a key component in the net banking registration process. 
• Registered Mobile Number: Ensure that your mobile number is registered with the bank as it will be used for verification and receiving OTPs (One-Time Passwords). 
• Email Address: A valid and accessible email address is often required for communication and confirmation during the net banking registration process. 

Step-by-Step Guide on Registering for Net Banking: Once you have the necessary credentials, follow these steps to register for HDFC Bank Net Banking: 

Step 1: Go to the official HDFC Bank website (https://www.hdfcbank.com/) and locate the ‘Net Banking’ section. 

Step 2: Click on the ‘New User’ option, depending on the interface. 

Step 3: Enter Customer ID and select the type of facility you want (e.g., Net Banking). 

Step 4: Enter your HDFC Bank debit card details, including the card number, expiry date, and ATM PIN. 

Step 5: Validate the registration by entering the OTP sent to your registered mobile number. 

Step 6: Set IPIN (Internet Personal Identification Number). Choose and set a secure IPIN, which will serve as your password for net banking. 

Step 7: Once registered, log in using your Customer ID and newly set IPIN to access HDFC Bank Net Banking. 

How to Register for HDFC Net Banking as an Existing User

The HDFC Net Banking registration process offers customers convenient options, allowing them to register online, through an ATM, via Phone Banking, or by downloading and submitting a form. Below are the detailed procedures for each channel:  

Register HDFC Net Banking Online 

For both resident and non-resident individuals with an active mobile number, the online registration process is straightforward: 

Step 1: Visit HDFC Bank's net banking page https://netbanking.hdfcbank.com/netbanking/   

Step 2: Click on the 'Register' option at the bottom of the page. 

Step 3: Enter your Customer ID and click on 'Go'.  

Step 4: Confirm the mobile number registered to your account. 

Step 5: Enter the One-Time Password (OTP) received on your registered mobile number. 

Step 6: Provide the relevant Debit Card details. 

Step 7: Set the Internet Personal Identification Number (IPIN) on the next page. 

Step 8: Use the Customer ID and new IPIN to access net banking. 

Features of HDFC Net Banking

HDFC Bank Internet Banking offers a range of features that empower users to conveniently manage their finances online. Here are some key features: 

1. Account Management: Users can view and manage multiple accounts, including savings, current, and fixed deposit accounts, all in one place. Access to account statements, transaction history, and balance details. 
2. Fund Transfers: Enables seamless fund transfers between own accounts or to other HDFC Bank accounts. NEFT (National Electronic Funds Transfer) and RTGS (Real-Time Gross Settlement) facilities are available for interbank transfers. 
3. Bill Payments: Users can pay utility bills, credit card bills, and other payments directly through the Net Banking platform. 
4. Scheduled payments can be set up, providing convenience and avoiding late fees. 
5. Online Shopping: Integration with various online shopping portals allows users to make secure transactions and pay for purchases effortlessly. 
6. Investment Services: Access to investment options such as mutual funds, fixed deposits, and recurring deposits. Users can track their investments, redeem funds, and make additional investments through Net Banking. 
7. Loan Services: Apply for loans and track the status of existing loan applications. Repayment of loans and viewing loan statements can be done online. 
8. Mobile Recharge: Facility to recharge mobile phones and DTH connections directly through Net Banking. 
9. e-Statements: Opt for electronic statements for various accounts and receive them securely online. 
10. Security Features: Two-factor authentication ensures a high level of security for transactions. Users can set personalized transaction limits and receive alerts for suspicious activities. 
11. Customer Support: Access to customer support services, including online chat, for quick assistance and issue resolution. Frequently Asked Questions (FAQs) and tutorials are available for guidance. 
12. Personalization: Customizable dashboard for a personalized and user-friendly experience. Users can set preferences, such as language and display options. 
13. International Banking: Facilities for NRI (Non-Resident Indian) customers, including account management and fund transfers. 

Advantages of HDFC Net Banking

The pros of using HDFC Net Banking are as follows:  

1. Effortless Account Opening: HDFC Net Banking allows for easy account opening, streamlining the initiation process for users. 

1. Ease of Operation: The platform is user-friendly, enabling seamless operations such as fund transfers and bill payments for quicker transactions. 
2. Comprehensive Transaction Viewing: Users can view their transactions comprehensively, maintaining a detailed record of their financial activities. 
3. Anytime, Anywhere Banking: Accessible 24/7, HDFC Net Banking enables users to perform tasks from anywhere, even during odd hours or on public holidays, if they have a stable internet connection. 
4. Speed and Efficiency: The platform is known for its speed and efficiency, ensuring swift and hassle-free fund transfers between accounts. 
5. Efficient Account Management: Users can efficiently manage multiple accounts through HDFC Net Banking, enhancing their financial control. 
6. Real-time Transaction Tracking: Stay informed about daily transactions and account balances, providing a real-time overview of financial activities. 
7. Enhanced Security Measures: HDFC Net Banking contributes to keeping accounts safe, allowing users to proactively monitor and prevent fraudulent activities. 
8. Early Fraud Detection: Users can detect and address fraudulent activities early, safeguarding their accounts from potential threats. 
9. Stay Informed about Banking Products: Stay updated on HDFC Bank's products, including investment options and loans, while also enjoying various offers on shopping and other services. 

Disadvantages of HDFC Net Banking

These are the few cons of using HDFC Net Banking:  

1. Internet Connection Interruptions: Interruptions in the internet connection may lead to time-consuming transactions and affect the overall user experience. 
2. Initial Complexity: Understanding the usage of HDFC Net Banking might be challenging initially, especially for individuals new to technology. 
3. Dependency on Internet: The platform requires a stable internet connection, making it less useful in the absence of reliable connectivity. 
4. Security Concerns: Safety of transactions can be a concern, as HDFC Bank account details may be vulnerable to unauthorized access over the internet. 
5. Password Protection Issues: Users need to be vigilant about changing or memorizing their passwords to prevent potential misuse of their HDFC Net Banking account. 
6. Spread of Information on Multiple Devices: HDFC Net Banking information may be spread across various devices, posing a risk to user security and privacy. 

How to Register for HDFC Phone Banking

To register for HDFC phone banking service, follow these steps: 

Step 1: Call the HDFC Phone Banking number for your city. 

Step 2: Enter your Customer ID and HDFC Debit Card + PIN / Telephone Identification Number (TIN). 

Step 3: The HDFC Phone Banking representative will record your Net Banking registration request and initiate the process. 

Step 4: Your Net Banking IPIN will be couriered to your registered mailing address within five working days. 

Register HDFC Internet Banking via Form: 

For those opting for registration via form, follow these steps: 

Step 1: Visit the HDFC Net Banking website and download the applicable registration form (corporate or individual). 

Step 2: Fill out the form completely and submit it at any HDFC Bank branch. 

Step 3: Your request will be registered, and the IPIN will be couriered to your registered mailing address. 

Register HDFC Net Banking via ATM: 

To register for HDFC Net Banking through an ATM, follow these steps: 

Step 1: Go to any HDFC Bank ATM. 

Step 2: Enter your HDFC Bank Debit Card number and ATM PIN. 

Step 3: From the main screen, select 'Other Option'. 

Step 4: Tap on 'Net Banking Registration' and confirm the action when prompted. 

Step 5: Your Net Banking request will be registered, and the IPIN will be couriered to your registered mailing address. 

How to Login to Your HDFC Net Banking Account

Follow these steps for a seamless login experience on HDFC Net Banking:  

Step 1: Visit the official HDFC Bank website at https://www.hdfcbank.com/.   

Step 2: Click on the 'Login' button' and proceed to click on "Continue to Net banking." The HDFC Net Banking login page will appear. Enter essential credentials, such as your username ID.  

Step 3: Click on 'Continue' Enter the password or IPIN.  

Step 4: Confirm the secure access image to complete the login process. 

How to Reset HDFC Net Banking Password

If you have forgotten your HDFC Net Banking password, follow these steps to reset it: 

Step 1: Visit HDFC Bank's net banking website.  

Step 2: Click on 'Forgot IPIN (Password)?'. 

Step 3: Enter your User ID or Customer ID and click on 'Go.'  

Step 4: Choose from one of the two options: OTP on the registered mobile number and Debit Card details (PIN and expiry date)  

Step 5: OTP will be sent to your registered mobile number and email ID (not applicable for Resident senior citizen customers)  

Step 6: Complete the relevant details. Set the new IPIN. Login with the User ID and new IPIN. 

How to Check HDFC Account Balance Online

For a quick check on your HDFC Bank balance, follow these steps: 

Step 1: Login to HDFC Bank's net banking portal. 

Step 2: Click on 'Accounts'.

Step 3: On the next page, select 'Account Summary'.

Step 4: Various accounts will be displayed on the screen. 

Step 5: Choose the relevant account to access details and view the bank balance. 

Banking services available through HDFC Net Banking  

HDFC Bank Net Banking offers comprehensive services, including account-related functions like opening deposits, viewing statements, and managing investment accounts. Efficiently transfer funds through various modes such as NEFT, RTGS, and IMPS, with options for scheduling and standing instructions. Seamlessly handle bill payments for utilities, insurance, and mutual funds, ensuring convenient and hassle-free transactions. Engage in online shopping for fashion, food, travel, and entertainment through HDFC Net Banking's user-friendly platform. Explore many services, including demat accounts, credit and debit cards management, prepaid cards, loans, mutual funds, and insurance solutions. 

The following are the banking services that can be availed through HDFC Net Banking:  

Account Related Services

You can use HDFC Net Banking for the services discused below:  

• Open Fixed Deposit < Rs.5 crore: Initiate a fixed deposit account with an amount less than Rs.5 crore. 
• Account Summary: Obtain a comprehensive overview of all your accounts, including savings, fixed deposits, loans, credit cards, and investment accounts. 
• Confirm KYC Details: Ensure the accuracy and completeness of Know Your Customer (KYC) information. 
• Open Recurring Deposit: Set up a recurring deposit account to systematically save overtime. 
• View Account Balance: Check the current balance of your accounts for better financial management. 
• Request CIBIL TransUnion Score: Access your credit score through the Credit Information Bureau India Limited (CIBIL) for financial assessment. 
• Open New FCNR Deposit: Establish a new Foreign Currency Non-Resident (FCNR) deposit account for foreign currency investments. 
• View / Download Account Statement: Retrieve and download detailed statements of your accounts for record-keeping. 
• Update Extended KYC (FATCA) Declaration: Keep your account compliant by updating extended KYC details, including the Foreign Account Tax Compliance Act (FATCA) declaration. 
• Fixed Deposit Sweep-in: Utilize the sweep-in facility to automatically transfer surplus funds into a fixed deposit. 
• Download Historical Statement: Access historical statements for a detailed transaction history. 
• Stop Payment of Cheque: Halt the payment of a specific cheque to prevent unauthorized transactions. 
• Super Saver / Overdraft against FD: Avail overdraft facilities against fixed deposits for additional liquidity. 
• Fixed Deposits Summary: Review and manage your fixed deposit portfolio efficiently. 
• Cheque Book: Request a new cheque book for convenient transactions. 
• Open Dream Deposit: Initiate a dream deposit account for personalized financial goals. 
• Recurring Deposits Summary: Monitor and manage your recurring deposit accounts effortlessly. 
• Demand Draft to self-address: Issue a demand draft to your own address for specific financial requirements. 
• Top-up add to Dream Deposit: Contribute additional funds to your dream deposit account for accelerated savings. 
• View Tax Credit Statements: Access statements detailing tax credits for efficient tax planning. 
• Demand Draft to Third Party address: Issue a demand draft to a third-party address for various payment needs. 
• Liquidate Fixed Deposit: Withdraw funds from a fixed deposit before maturity for urgent financial requirements. 
• View Cheque Status: Track the status of issued cheques for better financial control. 
• View / Update Aadhaar Number: Manage and update Aadhaar details for compliance and security. 
• Liquidate Recurring Deposit: Withdraw funds from a recurring deposit account before maturity. 
• TDS Enquiry: Check details of Tax Deducted at Source (TDS) for transparent tax management. 
• Add / Update PAN Number: Ensure accurate PAN details for tax-related transactions and reporting. 
• Liquidate FCNR Deposit: Withdraw funds from a Foreign Currency Non-Resident (FCNR) deposit as needed. 
• Hold Enquiry: Check details related to holding accounts for effective financial planning. 
• Change FD Instruction: Modify instructions related to fixed deposits to suit your evolving financial needs. 
• FD Advice: Receive advice and updates related to fixed deposit accounts. 
• Mailbox: Access a secure mailbox for confidential communication and updates. 
• Change RD Instruction: Modify instructions for recurring deposit accounts for flexibility. 
• RD Advice: Receive advice and updates related to recurring deposit accounts. 
• Financial Summary: Gain insights into your overall financial position with a comprehensive summary. 
• IPO Application: Participate in Initial Public Offerings (IPOs) through online application processes. 
• Email Statement Registration: Opt for email statements for a convenient and eco-friendly banking experience. 
• Form 15 G/H: Submit Form 15G/H online to avail yourself of tax exemptions on interest income. 
• Download Interest Certificate: Obtain certificates detailing the interest earned on various accounts. 
• Download Mandate Form: Access mandate forms for convenient financial transactions. 
• Download Deposit Slip: Obtain deposit slips for hassle-free fund deposits. 
• Download Locker Nomination Form: Nominate beneficiaries for locker facilities through downloadable forms. 
• Request Account Statement: Place requests for detailed account statements as per your needs. 
• Generate MMID: Generate Mobile Money Identifier (MMID) for mobile banking transactions. 
• Retrieve MMID: Retrieve MMID for secure and convenient mobile banking services. 
• Cancel MMID: Cancel MMID if needed for enhanced security. 
• Regenerate Direct Tax Challans: Generate new challans for direct tax payments. 
• Regenerate InDirect Tax Challans: Generate new challans for indirect tax payments. 
• E-Filing of IT Returns: File Income Tax Returns electronically for a streamlined process. 
• Download Balance Certificate: Obtain certificates confirming your account balances. 
• View / Update Nomination Details - for Current & Saving Accounts: Manage and update nomination details for current and savings accounts. 
• View / Update Nomination Details - for FD: Ensure accurate and updated nomination details for fixed deposit accounts. 
• View / Update Nomination Details - for RD: Manage and update nomination details for recurring deposit accounts. 
• Apply for DTAA: Apply for Double Taxation Avoidance Agreements (DTAA) for international financial transactions. 
• View / Add GST No.: Access and update Goods and Services Tax (GST) details for applicable transactions.

Fund Transfer Services on HDFC Net Banking

You may utilize HDFC Net Banking to avail the following services: 

• Fund Transfer to other HDFC Bank Accounts: Initiate secure transfers to accounts within HDFC Bank for seamless transactions. 
• View / Delete List of Beneficiaries - Fund Transfer within Bank: Access and manage the list of beneficiaries for internal fund transfers. 
• Add a Beneficiary - Fund Transfer within Bank: Conveniently add new beneficiaries for hassle-free intra-bank fund transfers. 
• Fund Transfer through NEFT: Utilize National Electronic Fund Transfer (NEFT) for efficient fund transfers to other banks. 
• View List of Beneficiaries - NEFT / IMPS / RTGS: Review and manage the list of beneficiaries for NEFT, IMPS, and RTGS transactions. 
• Add a Beneficiary - Fund Transfer through NEFT / IMPS / RTGS: Add new beneficiaries for NEFT, IMPS, and RTGS transactions with ease. 
• Set up Standing Instructions and Schedule Payments through NEFT: Establish standing instructions and schedule regular payments using NEFT for added convenience. 
• View List of Beneficiaries - eCMS: Access and manage the list of beneficiaries for electronic Clearing Member Services (eCMS). 
• Add a Beneficiary - eCMS: Add new beneficiaries for electronic Clearing Member Services (eCMS) transactions. 
• Fund Transfer through RTGS: Experience real-time gross settlement with secure and instant RTGS fund transfers. 
• View List of Beneficiaries - Foreign Outward Remittance: Review and manage beneficiaries for foreign outward remittance transactions. 
• Modify TPT Limit: Adjust Transaction Processing Token (TPT) limits for enhanced transaction control. 
• Fund Transfer through IMPS using IFSC code: Utilize Immediate Payment Service (IMPS) for swift fund transfers using IFSC codes. 
• OTP Pending Transactions: Manage transactions pending for One-Time Password (OTP) verification efficiently. 
• Change Image and Message: Personalize your fund transfer experience by modifying account-related images and messages. 
• Fund Transfer through IMPS using MMID: Execute fund transfers using Mobile Money Identifier (MMID) for mobile banking transactions. 
• View RTGS Funds Transfer: Monitor and review details of Real-Time Gross Settlement (RTGS) fund transfers. 
• Change Question Answers: Enhance security by updating security question answers for fund transfer verification. 
• Fund Transfer through e-CMS: Experience efficient fund transfers through electronic Clearing Member Services (e-CMS). 
• View IMPS Funds Transfer: Review details of Immediate Payment Service (IMPS) transactions for accurate records. 
• Change Question Answers: Enhance security by updating security question answers for fund transfer verification. 
• Fund Transfer using Special Payments: Utilize special payment options for unique fund transfer requirements. 
• Repatriation of funds (View) - NRE Accounts: Access details of fund repatriation transactions for Non-Resident External (NRE) accounts. 
• Add Beneficiary for Repatriation of funds - NRE Account: Conveniently add beneficiaries for fund repatriation to Non-Resident External (NRE) accounts. 
• Foreign Outward Remittance: Initiate secure and compliant outward remittance transactions for international transfers. 
• Repatriation of funds (View) - FCNR Deposits: View details of fund repatriation transactions for Foreign Currency Non-Resident (FCNR) deposits. 
• Add Beneficiary for Repatriation of funds - FCNR Deposit: Add beneficiaries for repatriating funds to Foreign Currency Non-Resident (FCNR) deposits. 
• VISA CardPay: Leverage VISA CardPay for easy and secure fund transfers using your VISA card. 
• Register Digital Certificate: Enhance security by registering a digital certificate for authenticated fund transfers. 
• Repatriation of funds: Facilitate the repatriation of funds for various account types, ensuring financial flexibility. 

Bill Pay & Recharge Options in HDFC Net Banking

You can use HDFC Net Banking for the following services:  

• Register Biller: Easily register billers for streamlined and convenient payment processing. 
• View/ Pay Bills: Access and pay your bills seamlessly through the user-friendly interface. 
• View/ Delete Biller: Manage your registered billers by viewing and deleting them as needed. 
• Register mobile number for recharge: Set up your mobile number for quick and efficient recharge transactions. 
• Mobile Recharge: Recharge your mobile phone swiftly and effortlessly through the platform. 
• Register DTH connection for recharge: Register your DTH connection for convenient and prompt recharge. 
• DTH Recharge: Recharge your Direct-to-Home (DTH) services hassle-free through the platform. 
• Check recharge Status: Stay informed about the status of your recharge transactions for added convenience. 
• View Bill Payment History: Access and review your bill payment history for accurate financial records. 
• View/ Modify Billers: Conveniently view and modify your registered billers as needed. 
• De-register Biller: Streamline your bill payment process by de-registering billers no longer needed. 
• Standing Instructions (Biller) - Set: Set standing instructions for automatic bill payments to simplify your financial routine. 
• Standing Instructions (Biller) - Modify / Delete: Modify or delete existing standing instructions for bill payments as per your requirements. 
• View/ Stop scheduled Bills: Monitor and control your scheduled bill payments with the ability to stop them if necessary. 

Other Financial Services

You may utilize HDFC Net Banking to access the following services:  

• Demat: Manage your Demat account for secure and efficient handling of securities. 
• Credit cards: Access and manage your credit card details, transactions, and payments. 
• Debit Cards: Monitor and control your debit card activities, transactions, and settings. 
• Prepaid Cards: Utilize prepaid cards for convenient and secure transactions with predefined limits. 
• Loans: Explore and manage loan options, applications, and repayments for various financial needs. 
• Mutual Funds: Invest in and manage mutual funds, keeping track of your portfolio and performance. 
• Insurance: Access and manage insurance policies, premiums, and claims for comprehensive coverage. 

How to Transfer Funds Using HDFC Net Banking

HDFC Bank customers will be able to transfer money to their own accounts as well as make third-party transfers on the net banking portal. Third-party transfers can be completed once the HDFC Bank customer completes the login procedure to the internet banking portal and clicks on 'Funds Transfer'. On the next page, you must choose the relevant option to complete the transfer. 

1. Visa CardPay: You will be able to transfer funds from your account to any Visa Credit Card across India. However, the credit card account must be added as a beneficiary and the amount will be transferred within two working days. 
2. Online Merchant payment option can be used for the transfer of funds. However, tax payments, mutual fund payments, and payments to stockbrokers cannot be made using this option. 
3. Immediate Payment Service (IMPS): Funds can be transferred immediately via IMPS. Funds can also be transferred to other HDFC accounts as well as to accounts from other banks. You will be able to transfer money via IMPS on bank holidays as well. 
4. Real Time Gross Settlement (RTGS): Under this facility, funds will be paid to the beneficiary's bank within RBI's stipulated time. However, the account where the funds are being added to must be added as a beneficiary. The amount that can be transferred can vary from Rs.2 lakh to Rs.10 lakh, respectively. 
5. National Electronic Funds Transfer (NEFT): Funds can be transferred to banks other than HDFC by using this facility. The amount that can be transferred ranges from Rs.1 lakh to Rs.10 lakh. However, the account to which the amount will have to be transferred must be added as a beneficiary. 
6. Funds can be transferred from your HDFC account to another HDFC account by using different Customer IDs. Any transfer using this facility will be immediate. 

What Are the Different Types of HDFC Net banking Transactions?  

The following are the different types of net banking transactions offered by HDFC Bank:  

1. RTGS (Real Time Gross Settlement): Amount greater than Rs.2 lakh can be transferred, and no upper limit is capped for transfer of funds from the branch.  

1. IMPS (Immediate Payment service): Transfer of funds can be done using mobile number and MMID of the beneficiary.  
2. NEFT (National Electronic Fund Transfer): This is a multi-verification transaction which is safe and transfer funds within two hours.  
3. UPI (Unified Payment Interface): This ensures instant transfer of funds free of cost for 365 days and 24 x 7. This also enables payments for shopping, utility bill, and other funds transfer.  
4. Card Transfer (Visa Card pay): This is an online secure payment mode for paying any bank’s visa credit card bills.  
5. RemitNow: Foreign Outward Remittance platform that allows secured mode of online transfer of funds across the globe.  
6. Remittance: Money can be transferred and received in 22 currencies across the globe, which can be done from the nearest branch of a bank. The money transmitted through this channel gets disbursed within 72 hours and transferring funds through this mode incurs charges at competitive rates. 
   

HDFC Transaction Limits

The transaction limits provided by HDFC Bank's net banking portal are mentioned in the table below: 

How to Pay Your Credit Card Bill Using HDFC Net Banking

The procedure to pay the credit card bill on the net banking portal is simple and quick. However, individuals must first register for net banking to avail themselves of these services. 

1. Initially, individuals must log in to their HDFC Bank net banking portal. 
2. Next, you must link your credit card to the net banking account by using the credit card ATM PIN. 
3. The option to transfer the money to the credit card can be found under the 'Funds Transfer' section as well as the 'Credit Card' Section. 

HDFC Net Banking Customer Care Number 

The following table mentions the customer care number of HDFC Bank net banking: