NetBanking

Who is eligible for NetBanking?

All HDFC Bank account holders having Current/Savings & NRI accounts can access their account through NetBanking after Registering.

How can I register for this service?

All you need to do is to fill up the e-Age Banking Channels Form, available at any of our branches or downloadable from here. The IPIN (password) will be sent to you by post after you drop the completed form at the branch. Alternately you could call up the Phone Banking* unit in your city to Register.

Is there any charge for this service?

No. Currently, NetBanking is free for all eligible account holders.

I cannot read some digits of the IPIN. What should I do?

You have to apply for Regeneration of IPIN i.e. a fresh IPIN. This is because the IPIN is a number randomly generated by the system and you are the only person with access to it.

I have forgotten my password? What do I do?

All you need to do is to fill up the e-Age Banking Channels Form, available at any of our branches or downloadable from here. While the completed form can be dropped at any branch, the IPIN can be collected only from the home branch (branch where you have opened your account) after 7 working days, else you can call up PhoneBanking in your city and request for it.This process is called Regeneration.

What can I do using NetBanking?

Currently, you can do any of the following:

  • Account balance inquiry

  • Account statement inquiry

  • Cheque status inquiry

  • Stop payment request

  • Demand draft / Banker's cheque request

  • Funds transfer

  • Cheque book request

  • Fixed deposit inquiry

  • New fixed deposit request

  • TDS inquiry

  • Contact the Bank for Support



Who can do Financial Transactions?

Individual account holders,Kartas of HUF, Joint account holders (with Either or Survivor mandate) and Proprietorship firms can do both Financial and Non-financial transactions.

Who can do only non-financial transactions?

Joint account holders (with joint operating mandate) and Authorized signatories of Partnership firms, Corporates, Trusts and Private Limited firms get only Non-financial transaction access.

What do you mean that the transactions are "Real-time"?

Real-time means as of that instant. Effectively, all transactions that impact your balance i.e. increase or decrease the balance (except for Demand Draft request and New FD request) are carried out immediately by the system. e.g. You transfer funds between your accounts, you will notice both the accounts being impacted immediately. The balance in one has increased while in the other it has decreased.

When will my transactions affect my account?

All transactions, except for Demand Draft Request and New Fixed Deposit request, will affect your balance immediately. Demand Draft request and Fixed Deposit will impact your balance during the next working day.

What should I do if I want to stop one single cheque?

You should mention the same cheque number in both the boxes along with the reason for stopping the cheque. Then press the submit button. The cheque will be stopped immediately.

What are the charges for a Managers Cheque and how is it sent to me?

We charge Rs 30/ for a Managers cheque. The Managers Cheque/Pay Order is sent by local courier to your mailing address on our records.

What are the locations that a Demand Draft request can be made for?

Demand Drafts are issued at 20 locations where we have branches or have an arrangement with a correspondent bank for the same.

What are the charges for a Demand draft and how is it sent to me?

The charges for a demand draft are Rs 30/ plus correspondent banking charges if any. The Demand Draft is sent to by courier to the mailing address on our records.

Will you inform me in case the Demand Draft cannot be made?

Demand Draft request is an offline transaction. It is executed on the next working day. We will send you an Email or a letter in case the Demand Draft cannot be made along with the reason.

Where can I open a new Fixed Deposit?

We give you the choice of opening a FD in the branch where you have your savings/current account or a selection of 20 centres across India.

What is the minimum amount that a Fixed Deposit can be opened for?

We accept a minimum amount of Rs.10,000/- for a new deposit. In case of an add-on deposit, this amount may be Rs.5,000/.

How will the Fixed Deposit Receipt be sent to me?

While the confirmation of Fixed Deposit acceptance will be sent on the next working day by Email, the Fixed Deposit Receipt will be sent to you by Post. The Value date of the FD will be the date you made the request on. (CHECK WITH MADHU)

Will you inform me in case the Fixed Deposit cannot be made?

An Email or a letter will be sent in case the Fixed Deposit request cannot be accepted along with the reason.

What is Third Party Funds Transfer (TPT)?

Third Party Transfer (TPT) enables you to transfer money from your account to another HDFC Bank account in any Branch.

What is the procedure for availing of third party transfer facility?

To avail of TPT facility, you have to sign the TPT declaration form, which is available on the Net or at any of our branches after you have received your IPIN.

Can I do funds transfer between two different banks?

TPT is presently available for transferring funds only between HDFC Bank accounts.

I submitted my TPT registration form to the branch. I still do not have access to the facility.

Once we have registered your Cust ID for TPT (on receipt of the TPT form) we send an Email to your Email ID confirming the same. You can then login and attempt a transfer of funds. In case you are unable to transact, please contact your branch or send a mail to [email protected].

hat should I do if I no longer need TPT facility?

You have the option of De-registering yourself from the TPT facility. This option is available in the drop down menu on the TPT screen. Once you De-register, you have to fill in a fresh form to avail of the facility again.

How will I know that my transaction has been completed?

The NetBanking system does one of the following depending upon the transaction you have requested:

  1. Displays the information requested.

  2. Accepts your instruction and displays an appropriate message to the effect or gives you a transaction reference number which you may use to refer in all future communication regarding the same.

  3. Displays an appropriate message on why it cannot complete your transaction / or asks you to try again.



How safe are my requests / transactions on NetBanking?

You can be assured of complete security when you use HDFC Bank's NetBanking facility. We have built in several checks to safeguard your NetBanking transactions.

  1. Your Customer ID and IPIN (password) are unique. You alone have access to both. Your password (IPIN) is not known to anyone (not even bank employees) except you.

  2. After logging in, you are requested to change your IPIN (password) periodically.

  3. We use a technology called 128-bit Secured Socket Layer (SSL) technology, which encrypts all the information between you and the Bank. This is the highest level of security commercially availabe today.

  4. Your ID gets locked after 5 attempts. This is to guard against an unauthorised user trying to access your account by trying out various combinations.

  5. Every time you log into NetBanking, the date and time of the last login will be displayed so that you can make sure that nobody other than you has accessed your account.

  6. After logging into your account, if there is no activity in the account for 5 minutes the NetBanking session times out. You will have to log into your account again.



In addition to these online security features, we have in place a dedicated team to monitor the access to the Web server and to prevent unauthorised access.

I have two accounts & customer IDs for the same. How do I know which IPIN (password) is valid for which Customer ID?

A password is a set of alphanumeric digits, randomly generated by the system, and the only person who has access to it, is you. For obvious security reasons we do not print the customer ID or account number on the IPIN. What you could do, therefore, is try the two combinations of the Customer IDs and passwords which you have. Or you can link your accounts to one Customer ID and apply for a fresh password.

Why is my NetBanking PIN not functioning?

The password is case-sensitive. Please key in the same lower or upper case as mentioned in the IPIN envelope generated for you.

The other possible reasons could be:

  • You have not accessed your account for more than 180 days

  • The system has deactivated your password after 5 unsuccessful attempts. If this happens, please inform us immediately and we will reactivate your password at the earliest.



How can I login if I have forgotten my password (IPIN)?

In order to avail of HDFC Bank NetBanking facilities you have to apply for a regeneration of the IPIN as mentioned above.

How do I change my password? (LOGIN STEPS TO BE TAKEN FROM SHORT USAGE GUIDE)

To change your password, please follow the instructions given below

  • After you have logged in, you can change your password by using the change password option. The password could be alphanumeric and less than or equal to 15 characters.

  • After changing the password you have to logout of the NetBanking site using the logout option. In case you wish to do any other transactions you have to login again.

  • I have changed my password but am unable to use my old or new password. What am I supposed to do?



This is possibly because:

  • You have not keyed in the new IPIN (password) correctly

  •  After 5 unsuccessful attempts, the password has got disabled.



In case you remember your password, please send an Email to [email protected] with subject line "Enable ID" and mention your Cust ID in the body of the Email. We will enable your IPIN within 24 hrs.

In case you have forgotten your password please request for a new password using the Regeneration process mentioned above.

How can I block my IPIN OR De-register? (DO WE NEED TO GIVE THIS QUESTION?? WHY TALK ABOUT DEREGISTERING WHEN WE ARE GETTING THEM TO REGISTER.)

You can give a written instruction to the nearest Branch requesting them to block your Cust ID and hence de-register from NetBanking.

Do I get any special benefits for using NetBanking?
  1. We have special discounted rates for Demand Draft request / Managers Cheque requests made through NetBanking.

  2. There is no charge for Stop Payment and Funds Transfer. Third Party Funds Transfer is also free of charge except for certain types of accounts like Plus accounts.

  3. In addition, you have the convenience of being able to Bank Anywhere and Anytime even when the bank is closed.



What kind of hardware and software is recommended for using NetBanking more efficiently?

Hardware: You need to have a Pentium PC with 32 MB RAM, 2.1 GB Hard Disk Space with 500MB free space.

Software: You need to have a browser: MS Internet Explorer Version 5.0 and above, NetScape Navigator Version 4.5 and above, with 128-Bit Encryption.

Sometimes, when I try to log in at the bank site, I get the message "server not responding".

There could be various reasons for this. Some of which are:

  • Refresh and reload

  • Server hosting the bank site is down



In case the problem persists, please contact us at [email protected]

Trouble Shooting common errors� (WHAT IS THIS??)

Same as simple usage guide

Other Error Messages

  Error Displayed   Reason

"Service is unavailable for maintenance from dd/mm/yy hh:mm to dd/mm/yy hh1:mm1 " But is still displayed after scheduled time.

You are probably seeing this error page continuously for this  length of time because the web page may be getting locally cached (stored).


Solution:
   
  For Internet Explorer 5.0 & above
  1. Select "TOOLS" from the menu-bar of the browser.

  2. Select "INTERNET OPTIONS"

  3. Under the title "Temporary Internet files", Click on "Delete Files"

  4. Click on "Apply" / "OK"5. Restart the Browser

 
  For Netscape Navigator 4.5 / 4.7

  1. Select "EDIT" from the menu-bar of the browser.

  2. Select "PREFERENCES"

  3. Under the title "Advanced", click on "Cache"

  4. in the following window Click on "Delete Memory Cache" and say "Yes"

  5. Click on "OK" to apply the settings.

  6. Restart the Browser.




I seem to be facing some Browser Problems

In case you face browser-related problems while trying to access NetBanking, please write to [email protected] with the following information:

  1. The Browser and version you are using

  2. The stage when the error message, if any, is displayed

  3. The exact error message that is displayed.

  4. If possible, a Screen Dump of the error message. You may send this as an attachment in your mail. (To obtain a screen dump, press the "Print Screen" button on the keyboard, and paste onto Word or Word Pad)

  5. The operating system of your PC (Windows 95 / 98 / NT, etc.)



What are the browser settings required to access NetBanking NetBanking at HDFC Bank works best with Internet Explorer 5.x and Netscape 4.7

  Required settings for Internet Explorer 5.x   Required settings for Netscape 4.5 / 4.7
Open the browser Open the browser
Go to 'Tools'. Go to 'Communicator'.
Under tools click on the 'Internet Option'. Under 'Communicator' click on 'Tools'.
Then click on 'Advanced'. Under 'Tools' click on 'Security Info'. 
Scroll down till you see 'Microsoft VM'. Select the check box against 'Java  In the following ' Security Info ' window that opens, Click on ' Navigator':
Logging enabled' and ' JIT compiler for virtual machine enabled (requires restart)'. Click on the button ' Configure SSL v3 ' , under Advanced Security (SSL) Configuration:
Scroll down the list and go to the last section 'Security'. In the ensuing window 'Configure Ciphers' uncheck the 4th and 5th options i.e.
Mark the second check box which is 'Check for certificate revocation (requires restart)' RC4 encryption with a 56-bit key and a SHA-1 MAC
Click on 'Apply' DES encryption in CBC mode with a 56-bit key and a SHA-1 MAC
Restart Browser. Click on ' OK' and restart the browser - and now you are ready
After Restarting the Browser - Go to 'Tools'  
Under tools click on the 'Internet Option'  
Then click on ' Security ' and select 'Custom Level'  
Scroll down the list and go to ' Scripting of Java applets '  
Mark the second checkbox (Check for ' Enable ')  
Click on ' Apply '  
Restart Browser - and now you are ready  


We request you bear in mind a few General points while writing to [email protected]

Same as those in the Simple usage manual.

I think NetBanking is a little slow?

It would not be correct to say NetBanking is slow. Please check if this happens whenever you login, or please see if this happens at any other site (You could check from another machine).

The speed of access could be slow because of any of the following reasons:

  1. The telephone Line from your home to exchange is slow

  2. The Line from the exchange to VSNL (service provider) is slow

  3. The Line form VSNL or service provider in your city to VSNL Mumbai is slow

  4. VSNL Mumbai could be clogged

  5. hdfcbank.com could be clogged and hence is slow



You could try logging in again a little later.