HDFC BANK REPORT

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INTRODUCTION
HISTORY OF BANKING
HDFC was amongst the first to receive approval from the Reserve Bank of India (RBI) to set up a bank in the
private sector as part of RBI's liberalization of the Indian banking industry in 1994.The bank was incorporated
in August 1994 as HDFC Bank Limited, with its registered office in Mumbai. In January 1995 the new entity
commenced operations as a scheduled commercial bank. Almost exactly five years later, in February 2000, it
consolidated its position in the banking industry when it merged with Times Bank Limited, another new private
sector bank. The merged entity, now harboring greater depth and increased reach, had become a dynamic new
force. It afforded the bank further opportunities to cross sell its products and services and leverage alternate
delivery channels. HDFC Bank has, today, attained critical mass and is recognized amongst the most
professionally run banks in the country. HDFC Bank began operations in 1995 with a simple mission: to be a
“World Class Indian Bank.” We realized that only a single minded focus on product quality and service
excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal.
HDFC Bank Limited (the Bank) is an India-based banking company engaged in providing a range of banking
and financial services, including commercial banking and treasury operations. The Bank has a network of 1412
branches and 3295 automated teller machines (ATMs) in 528 cities and total employees is 52687
HDFC Bank was the first private sector bank to be licensed for operation In February 2000 when HDFC Bank
merged with Times Bank it created history: it was the first merger in the private sector HDFC Bank was the
quickest to cross the one million credit card mark HDFC Bank was the first bank in India to launch debit cards
and offer mobile banking, online banking and real-time Net Banking HDFC Bank is the primary settlement
bank to the major stock exchanges in the country and has the biggest market share in the settlement services to
commodities exchanges.

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INDIAN BANKING SYSTEM
INDIAN BANKING INDUSTRY ANALYSIS
The banking scenario in India has been changing at fast pace from being just the borrowers and lenders
traditionally, the focus has shifted to more differentiated and customized product/service provider from
regulation to liberalization in the year 1991 from planned economy to market.
Economy, from licensing to integration with Global Economics, the changes have been swift. All most all the
sector operating in the economy was affected and banking sector is no exception to this. Thus the whole of the
banking system in the country has undergone a radical change. Let us see how banking has evolved in the past
57 years of independence.
Reserve Bank of India
Schedule Banks Non-Schedule Banks
State co-op
Banks Commercial
Banks
Central co-op
Banks and
Primary Cr.
Societies
Commercial Banks
Indian Foreign
Public Sector
Banks
Private Sector
Banks HDFC, ICICI
ETC
ICICI etc.
State Bank of
India and its
Subsidiaries
Other Nationalized
Banks
Regional Rural
Banks

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After independence in 1947 and proclamation in 1950 the country set about drawing its road map for the future
public ownership of banks was seen inevitable and SBI was created in 1955 to spearhead the expansion of
banking into rural India and speed up the process of magnetization.
Political compulsion’s brought about nationalization of bank in 1969 and lobbying by bank employees and their
unions added to the list of nationalized banks a few years later.
Slowly the unions grew in strength, while bank management stagnated. The casualty was to the customer
service declined, complaints increased and bank management was unable to item the rot.
In the meantime, technology was becoming a global phenomenon lacking a vision of the future and the banks
erred badly in opposing the technology up gradation of banks. They mistakenly believed the technology would
lead to retrenchment and eventually the marginalization of unions.
The problem faced by the banking industry soon surfaced in their balance sheets. But the prevailing accounting
practices unable banks to dodge the issue.
The rules of the game under which banks operated changed in 1993. Norms or income Recognition, Assets
classification and loan loss provisioning were put in place and capital adequacy ratio become mandatory. The
cumulative impact of all these changes has been on the concept of state ownership in banks. It is increasingly
becoming clear that the state ownership in bank is no longer sustainable.
The amendment of banking regulation act in 1993 saw the entry of new private sector banks and foreign banks.
TOP PLAYERS IN INDIA
1. HDFC BANK LTD
2. ICICI BANK LTD
3. STATE BANK OF INDIA LTD
4. PUNJAB NATOINAL BANK LTD
5. BANK OF BARODA LTD
6. FEDERAL BANK LTD
7. AXIS BANK LTD

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8. ING VYSYA BANK LTD
9. IDBI BANK LTD
10. INDUSIND BANK LTD
11. YES BANK LTD

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2007 2008 2009
684 761
1412
BRANCHES (NOS)
2007 2008 2009
1605
1977
3295
ATMs (Nos.)
2007 2008 2009
29.1
38.2
43.9
CREDIT CARDS (Nos. in Lacs)

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SNAP SHORT
Company Background
Industry Finance - Banks - Private Sector.
Business Group HDFC Group
Incorporation Date 31/12/1994
Public Issue Date 31/12/1995
Face Value 10.0000
Company/Business Registration No INE040A01018
Key Officials CEO Aditya Puri

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MISSION, VISION AND BUSINESS STRATEGY
MISSION:-
I. World Class Indian Bank
II. Benchmarking against international standards.
III. To build sound customer franchises across distinct businesses
IV. Best practices in terms of product offerings, technology, service levels, risk management and audit
& compliance.
VISION STATEMENT OF HDFC BANK:-
The HDFC Bank is committed to maintain the highest level of ethical standards, professional integrity and
regulatory compliance. HDFC Bank’s business philosophy is based on four core values such as:-
1. Operational excellence.
2. Customer Focus.
3. Product leadership.
4. People.
The objective of the HDFC Bank is to provide its target market customers a full range of financial products and
banking services, giving the customer a one-step window for all his/her requirements. The HDFC Bank plus and
the investment advisory services programs have been designed keeping in mind needs of customers who seeks
distinct financial solutions, information and advice on various investment avenues.
BUSINESS STRATEGY:-
I. Increasing market share in India’s expanding banking
II. Delivering high quality customer service
III. Maintaining current high standards for asset quality through disciplined credit risk management
IV. Develop innovative products and services that attract targeted customers and address inefficiencies
in the Indian financial sector.

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BOARD OF DIRECTORS
V. PERSON DESIGNATION
VI. Mr. Jagdish Capoor Vice President
VII. Mr. Aditya Puri Managing Director
VIII. Mr. Paresh Sukthankar Executive Director
IX. Mr. Harish Engineer Executive Director
X. Mr. Keki M. Mistry Director
XI. Mr. Ashim Samanta Director
XII. Mr. Arvind Pande Director
XIII. Mrs. Renu Karnad Director
XIV. Mr. C M Vasudev Director
XV. Mr. Gautam Divan Director
XVI. Dr. Pandit Palande Director
XVII.
TOP MANAGEMENT
Abhay Aima Equities & Private Banking and NRI Business
Anil Jaggia Information Technology and Legal
Ashish Parthasarth Treasury
Bharat Shah Merchant Services

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BUSINESS HEADS
A Asokan Emerging Enterprise Group
Amit Kumar Retail Branch Banking-West 1
Anil Nath Business Banking - Working Capital & Retail Agricuture
Arup Rakshit Treasury
Ashima Khanna Bhat Emerging Corporate Group
Ashok Khanna Retail Assets - TW
Bhavesh Chandulal Wholesale Operations
Biju Pillai Retail Assets - EL,PL,LAS & GOLD
G Subramanian Audit & Compliance
Kaizad Maneck Credit & Market Risk
Mandeep Maitra H.R, Admin & Infrastructure
Navin Puri Branch Banking
Pralay Mondal Assets & CREDIT CARDS
Rahul N Bhagat Retail Liabilities, Marketing & Direct Banking Channels
Ananthanarayan Operations
Sashi Jagdishan Finance
Sudhir Joshi Treasury

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Birendra Sahu retail Operations
Deepak Maheshwari Credit and Market Risk
Gsv Surya Prasad Information Technology
Harpreet Singh NRI Business
Jimmy M Tata Corporate Banking
Munish Mittal Information Technology
Nandkishor Laxman Financial Institution Group
Nitin Subramanya Equities and Private Banking
Parag Rao Credit Cards
Rajender Sehgal Financial Institution Group
Rohit Gaurav Marketing
Sanjay B Dongre Legal
Sanjeev Patel Direct Banking Channel
Tarini Vaidya Treasury

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ACHIEVEMENTS
2016
Dun & Bradstreet Corporate Awards 2016 HDFC Bank wins Dun & Bradstreet Corporate
Award 2016 in the Banking sector
The Financial Express India's Best Banks Awards
2015
- Profitability: Rank 1
- Efficiency: Rank 1
- Strength & Soundness: Rank 1
Outlook Money Awards 2015 - Best Bank of the year : Runner up
- Winner : Institutional Financial Distributor of
the year
Pension Fund Regulatory and Development
Authority awards for Atal Pension Yojana
- Best Performing Bank - Maximum APY
Subscribers
- Best Performing Bank in the Private sector
Banks category
- Best Performing Bank : Atal Pension Yojana
Carnivals in Private Sector Banks
Business Today KPMG India's Best Banks 2015 Awards
Barron's World's Top 30 CEOs Mr. Aditya Puri in Barron's Top 30 Global CEOs for
2nd year
IBA Awards HDFC Bank wins prestigious IBA Banking
Technology Awards
Business Today Best Companies to Work for in India
NABARD Award Best Bank in JLG-Bank Linkage programme in
Assam
Business Today - KPMG India's Best Bank HDFC Bank wins Bank of the year and Best
Digital Banking Initiative awards
NABARD Award - The Best Bank in SHG Credit
Linkage in Tamil Nadu
HDFC Bank wins NABARD Award
2015

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National Payments Excellence Awards 2015 HDFC Bank wins NPCI National Payments Excellence
Awards
Business Today Award Best CEO Award - Mr. Aditya Puri
Kerala's State Forum of Bankers' Club
Award
Best Bank Branch
FinanceAsia Awards Best Equity Deal in Asia Award
IDC Insights Award 2015 Excellence in Customer Experience
QualTech Award HDFC Bank wins Award at 27th QIMPRO Convention
Lean Sigma project competition Best Case Study Award
IDRBT Banking Technology Excellence
Awards 2014-15
Best Bank Award for Cyber Security Risk Management
among Large Banks
FinanceAsia Country Awards 2015 - Best Asian Bank
- Best Domestic Bank - India
Forbes Asia Fab 50 Companies List for the 9th year
AIMA Managing India Awards 2015 - Business Leader of the Year - Aditya Puri
Barron's - World's 30 Best CEOs - Mr Aditya Puri
Finance Asia poll on Asia's Best Companies
2015
- Best Managed Public Company - India'
Best CEO- Aditya Puri
Best Corporate Governance- Rank 3
Best Investor Relations- Rank 3
J. P Morgan Quality Recognition Award - Best in class straight Through Processing Rates
2014
Euromoney - HDFC Bank wins Best Private Banking Services for Super affluent clients for 5
years in a row at Euromoney Awards
Euromoney Private
Banking and
Wealth
Management
Survey 2015
- Best Private Banking Services award for Net-worth-specific services category for
Super affluent clients (US$ 1 million to US$ 5 million).
- Best Private Banking Services award Asset Management
FE Best Bank - Best Bank in the New Private sector

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Awards - Winner - Profitability
- Winner - Efficiency
Business Today -
KPMG Study 2014
- Best Large Bank - Overall
- Best Large Bank - Growth
Businessworld-
PwC India Best
Banks Survey 2014
- Best Large Bank
- Fastest Growing Large Bank
Asiamoney FX Poll
2014
- Best Domestic Provider of FX options
- Best Domestic Provider of FX products & Services
- Best Domestic Provider of FX research & market coverage
- Best Domestic provider for FX Services
The Asian Banker Strongest Bank in India in the Asian Banker 500 (AB 500) Strongest Bank by
Balance Sheet Ranking 2014
Dun & Bradstreet -
Polaris Financial
Technology
Banking Awards
2014
- Best Bank - Managing IT Risk (Large Banks)
- Best Bank - Mobile Banking (Large Banks)
- Best Bank - Best IT Team (Private Sector Banks)
Forbes Asia Fab 50 Companies List for the 8th year
BrandZ TM Top 50
Most Valuable
Indian Brands study
by Millward Brown
India's Most Valuable Brand
Finance Asia
Country Awards
2014 and poll on
India's Top
Companies
- Best Bank - India
- Best CEO- Rank 1
- Best CSR - Rank 1
- Best CFO - Rank 2
Asiamoney Best of Best Domestic Banks - India
Dun & Bradstreet -
Manappuram
Finance Limited
Corporate Award
2014
Best Corporate in Banking Sector
2013
Asiamoney - Best Domestic Bank in India
- Best Local Cash Management Bank in India

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- Aditya Puri - Best Executive in India
Institute for
Development and
Research in
Banking
Technology
Awards
- Best Bank - Managing IT Risk (Large Banks)
- Best Bank - Mobile Banking (Large Banks)
- Best Bank - Best IT Team (Private Sector Banks)
Businessworld Best Bank in India (Large Banks)
Guinness World
Record
A GUINNESS WORLD RECORDTMcreated for the Largest Blood Donation Drive
across multiple venues, in a single day
Finance Asia
Country Awards for
Achievement
Best Bank - India
IBA Banking
Technology
Awards 2012-13
- Best Technology Bank of the year - Winner
- Best Internet Bank - Winner
- Best Customer Management Initiative - Winner
- Best use of Mobility Technology in Banking
Business Standard Mr Aditya Puri - Banker of the Year 2013
Business Today-
KPMG Best Banks
Survey 2013
Best Bank 2013
Business India Best Bank 2013
Global Finance
Survey -World's
Best Banks 2013
Best Bank in India
Outlook Money
Awards 2013 Best Bank in Large Banks Category
IBA Innovation
Awards Most Innovative use of Technology
Dun & Bradstreet
Polaris Financial
Technology
Banking Award
2013
- Best Private Sector Bank Technology Adoption
- Best Private Sector Bank Retail
- Overall Best Private Sector Bank
Institutional
Investor - Best Bank in Asia
- Mr. Aditya Puri - Best CEO

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Forbes Asia
Fab 50 Companies List for the 7th year
Sunday Standard
Best Banker
Awards
- Best Private Sector Bank: Large
- Safest Bank: Large
- Mr. Aditya Puri: Top Achiever
UTI Mutual Fund
CNBC TV 18
Financial Advisory
Awards 2012
Best Performing Bank - Private
Asia Money 2013
- Best Domestic Bank in India
- Mr. Aditya Puri: Best Executive in India
MACCIA Awards
2013 Best in Financial Services: Bank Category
Dun & Bradstreet
Corporate Awards
2012
Best in Banking sector
NDTV Profit
Business
Leadership Awards
2012
Winner in the banking category
NASSCOM
CNBC–TV18 IT
Innovation Award
Best IT Driven Innovation in Banking (COMMERCIAL)
The National
Quality Excellence
Awards
Best Customer Service Result
FE Best Bank
Awards
- Best Bank: New Private sector
- Best in Strength & Soundness
- Mr. Aditya Puri: Best Banker
Skoch Financial
Inclusion Awards
2013
Organization of the Year

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IINNTTEEGGRRAATTEEDD FFIINNAANNCCIIAALL SSEERRVVIICCEESS
SECURITISATION
Future Activities
DISTRIBUTION
HDFC CHUBB GENERAL
INSURANCE CO. LTD.

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BUSINESS SEGMENT
HDFC Bank offers a wide range of commercial and transactional banking services and treasury products
to wholesale and retail customers. The bank has three key business segments:
Wholesale Banking Services:
The Bank's target market ranges from large, blue-chip manufacturing companies in the Indian corporate to small
& mid-sized corporate and agri-based businesses. For these customers, the Bank provides a wide range of
commercial and transactional banking services, including working capital finance, trade services, transactional
services, cash management, etc. The bank is also a leading provider of structured solutions, which combine cash
management services with vendor and distributor finance for facilitating superior supply chain management for
its corporate customers. Based on its superior product delivery / service levels and strong customer orientation,
the Bank has made significant inroads into the banking consortia of a number of leading Indian corporate
including multinationals, companies from the domestic business houses and prime public sector companies. It is
recognized as a leading provider of cash management and transactional banking solutions to corporate
customers, mutual funds, stock exchange members and banks.
Retail Banking Services:
The objective of the Retail Bank is to provide its target market customers a full range of financial
products and banking services, giving the customer a one-stop window for all his/her banking requirements.
The products are backed by world-class service and delivered to the customers through the growing branch
network, as well as through alternative delivery channels like ATMs, Phone Banking, Net Banking and Mobile
Banking.
The HDFC Bank Preferred program for high net worth individuals, the HDFC Bank Plus and the
Investment Advisory Services programs have been designed keeping in mind needs of customers who seek
distinct financial solutions, information and advice on various investment avenues. The Bank also has a wide
array of retail loan products including Auto Loans, Loans against marketable securities, Personal Loans and
Loans for Two-wheelers. It is also a leading provider of Depository Participant (DP) services for retail
customers, providing customers the facility to hold their investments in electronic form.

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HDFC Bank was the first bank in India to launch an International Debit Card in association with VISA
(VISA Electron) and issues the Master card Maestro debit card as well. The Bank launched its credit card
business in late 2001. By September 30, 2005, the bank had a total card base (debit and credit cards) of 5.2
million cards. The Bank is also one of the leading players in the "merchant acquiring" business with over
50,000 Point-of-sale (POS) terminals for debit / credit cards acceptance at merchant establishments.
Treasury:
Within this business, the bank has three main product areas - Foreign Exchange and Derivatives, Local
Currency Money Market & Debt Securities, and Equities. With the liberalization of the financial markets in
India, corporate need more sophisticated risk management information, advice and product structures. These
and fine pricing on various treasury products are provided through the bank's Treasury team. To comply with
statutory reserve requirements, the bank is required to hold 25% of its deposits in government securities. The
Treasury business is responsible for managing the returns and market risk on this investment portfolio.
DIGITAL BANKING SERVICES
1. PAY WITH PAYZAPP:-
All payments, One App, One Click
HDFC Bank PayZapp, a complete payment solution, giving you the power to pay in just One Click.
With PayZapp, you can shop on your mobile at partner apps, buy movie tickets, music and groceries, compare
and book flight tickets and hotels, shop online and get great discounts at SmartBuy, send money to anyone in
your contact list, pay bills and recharge your mobile, DTH and data card.
So link your Debit and Credit Card to PayZapp and enjoy the most convenient and secure way of payment.

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SmartHub is a comprehensive and integrated payment solution for merchants to now collect payments
through multiple payment modes. Payment modes include Debit Cards, Credit Cards, Multiple Bank
Net Banking, IMPS, NEFT, RTGS, Cash, Cheques and Demand Draft.
Through the SmartHub platform, merchants can now have a one view of monies collected through all
modes of payment in one view. Comprehensive dashboard gives the merchant an in-depth information
on nature of transaction, summaries and reconciliation. The solution is packed with features such as
payment alerts, online response, splitting of payments to various heads to name a few.
The solution offers various merchants need based customization. The admin access can be designed to
offer user access management within merchant's organization.
BENEFITS:-
MERCHANT SERVICE:
 Safe, Secure & Convenient mode of Fees Collection across all Geographies.
 Single window for collection of all type of Payment heads. eg. Tution fees/ Hostel fees/ Canteen fees in
case of schools
 Integration is not mandatory - Option of data Sharing by way of simple excel file upload
 Website is not mandatory - Bank will create a Micro site with merchant branding
 Supports all wide payment options including Credit Card, Debit Card, Multiple Bank Net Banking and
Challan based payments viz, Cash / Chq / DD / NEFT / RTGS
 Ability to send online response to the merchant and update their database
 Integrated reports across all Payment Modes for easy reconciliation
 Option to split payment into different heads for settlement
 Listing on Payments Page of HDFC Bank Website
 Invoice based Payment Links through SMS / Email to payers
Payment Solutions for Customers
 Single platform for all modes of payment.
 Secure & convenient
 Option to Register and Pay or Quick Pay
 Mobile Optimized Pay Page for ease of payment through Smart Phones
 Payment Due Date Reminders on SMS / Email
 Option to View Payment History and Download Receipts
 Option of Recurring Payments / Equated Monthly Installments
Smart Hub Education
Smart Hub Education solution is customized to suit the need of Schools, Colleges, Universities, and any
educational institution collecting funds from Students/Parents spread across a wide geography.
Multiple modes of payments on a single platform is the key feature of the solution. The Solution gives the
payers viz. Students, Parents and Guardians ease of payment of the amounts due to the education institution
basis their preference

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The solution offers seamless service to education institution with a capability for the institution to accept
multiple payment modes and real time data validation. Education institution saves a lot of administrative work
and reconciliation hassles through Integrated MIS reports across multiple modes of payment.
Smart Hub Government
SmartHub Government is an end to end solution to Government departments with a need to collect various fees
and taxes from the consumers across wide geographies. Consumers can now make hassle free payments smartly
through the SmartHub solutions. No more long queues. Government departments can now save a lot of
administrative work and reconciliation hassles through Integrated MIS reports across multiple modes of
payment.
For Departments not currently in the online space, the Bank facilitates micro site for accepting payments. The
payments page can be cobranded with the Government department’s branding thus enabling the department to
create their presence in the online space. SmartHub solutions supports multiple modes of payments viz. Debit
Cards, Credit Cards, Net Banking and challan based payments including NEFT, RTGS, Cheque, Demand Draft
and Cash. The wide range of payment options would facilitate timely collection of amounts due to the
department.
Furthermore the department can benefit from the SMS and email alert feature with the payment link to the
payers. This feature enables the payers to complete their payments on the move.
PAY UTILITY BILLS AND PREMIUM:
PAYNOW:-PayNow isan instantsolution.Use yourHDFC BankCreditCard to make quickand easybill paymentson
the HDFC Bank website.
REGISTER AND PAY:-
Register&Pay is an extremely easy, safe way to centralize and view your bills.
All you need is a HDFC Bank Credit Card. Complete the short registration, and you’re ready to go.
Autopay:
Make the most of another feature of Register &Pay - Auto Pay. Make all your payments automatic with your
HDFC Bank Credit Card to enjoy even more seamless bill payment process. Transaction fee would be waived
off for all bills that are converted to "Auto Pay"
CHARGES:-
 No Registration fee.
 For each payment transaction, there is a nominal fee of Rs. 10 (plus taxes)
IMPORTANT THINGS TO KNOW:-
 Submit the correct bill details for registration.
 Payments can only be made for the list of billers mentioned.
 Only HDFC Bank Visa and Master Card will be accepted.
 Submit the correct bill details for registration so the biller can raise your bills.
 In the case of any disputes, the claimant will have to settle the matter with the utility company.
HOW TO REGISTER?

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Just create a one-time login account. Then you can continue to add and delete billers from the list provided.
When it’s time to make a payment, select the biller and enter the details required. You then check the amount
due on your bill, and click on the payment option to make an automatic payment with your HDFC Bank Credit
Card. With Register Pay, you can also make part or interim payments. It does depend on the terms of the
individual billers, but consider how this could work for your cell phone account, for example. Just check the
payment page of individual billers to assess the flexibility offered.
SMART PAY:-
Smart Pay involves initiating a simple Standing Instruction on your Credit Card to ensure that you pay your
bills on time every month. In addition, when you pay with your Credit Card you can enjoy a credit free period
and Reward Points/Cash Back depending on the Credit Card you have.
 Why use Smart Pay?
Smart Pay is the smartest way to pay your utility bills using your Credit Card.
BENEFITS:-
Cash Back gets posted in the following statement cycle of the transaction. Smart Pay needs to be active at the
time of cash back posting. If Smart Pay is not active, cash back would not get posted.
Simple Registration Process:
Offline: You need to fill the application form and attach your latest self-attested utility bill along with the form
and send it to us. We will process the form and then inform you before paying your bills. Provide the correct
biller details for processing the request.
Online: You can log into Net Banking. (Cards>Credit Cards>Transact>SmartPay)
 For registration done on and before 23rd of the month, service start date will be 1st of subsequent
month. And registration done after 23rd, the Service Start Date will be 1st of next subsequent month.
 Information alerts to keepyou aware: We send you SMS and email alerts to keep you informed about
the status of your bills. The bill will be paid 8days before the due date .You will be kept informed at
every stage of your billing process. This is why we ask you to share your mobile numbers. It is
mandatory for registration.
 Set your own limit on payment of mobile bills: We provide you with the option to pay as much as you
want to pay. Set your limits for the maximum amount you want to pay on your mobile bills through
Smart Pay.
CHARGES:-There is no cost for this service and this is absolutely free for the customer. Any discrepancy on
the bill amount, raised by the biller, customer needs to raise with the biller and HDFC Bank will not be
responsible / liable for the same.
VISA BILL PAY:-
Tired of keeping a track of multiple bills and multiple due dates? Here is a solution with HDFC Bank’s Visa
Bill Pay. This service from Visa and HDFC Bank lets you pay your bills online, with your existing HDFC Bank
Visa Debit / Credit Card, making it simple, fast and secure.

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 IS VISA BILL PAY IS SAFE?
You can be sure that the payments made with Visa BillPay are safe and secure. That’s because they are secured,
encrypted transactions, made with your HDFC Bank Visa Credit or Debit card.
WHAT ARE MY PAYMENT OPTIONS?
There are two convenient services to choose between, depending on your requirements.Pay Right Away
Service –Just select the biller you want to pay, enter details of your bill and payment, and authorize the
transaction with your HDFC Bank Visa Credit or Debit card.
Register and Pay Service– There is a short registration required here, but you will only need to enter your biller
details once. Using this option, you will receive an electronic bill summary at Visa Bill Pay every billing cycle.
This is in addition to your physical bill. You will also be sent email alerts, informing you of the amounts
needing to be paid, and reminders in the case of overdue payments.
Bill Pay plus-Net Banking
Pay bills, recharge mobile or DTH connections from the comfort of your home or office.
Do away with cheques, late payments and lost bills, and enjoy the convenience.
 Why use Bill Pay plus?
With Bill Pay plus you can easily pay all your bills like:
 Electricity Bills
 Gas Bills
 Mobile Bills
 DTH/prepaid mobile recharge
 Landline and Internet Bills
 Insurance Premiums
 Other bank Credit Card bills
 What are the benefits?
 No more waiting in queues , issuing cheques or late payment hassles
 Consolidated view of all billers and payment history
 Make all payments and recharges at one place
 Get SMS Alerts for bill presentments, payments etc.
 Access to over 250 billers across categories
 Pay bills/recharge using your linked HDFC Bank Credit / Debit Card and avail credit period/reward
points / Cash Back benefits, as applicable on your card.
 Avail of automatic payments by setting a standing instruction up to a defined amount threshold or
schedule payments at a later date
 WHICH BILLS CAN BE PAID?
With Bill Pay plus you can pay for Electricity, Gas, Mobile, Telephone, Insurance Credit Card and Mutual Fund
under Net Banking.
DTH/PREPAID MOBILE RECHARGE:-

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Now, recharge your DTH and prepaid mobile phones through your Net Banking account's Bill pay plus
With HDFC Bank's DTH/ Prepaid Mobile Recharge under Net Banking, you can skip the hassles of
withdrawing cash and searching for a retailer. Now you can quickly and conveniently recharge - anytime,
anywhere.
Process:
 To register, log into Net Banking and click on the Bill Pay & Recharge and then click Continue
 Select DTH registration or Mobile Registration in the left panel
 Fill in your details, select the bank account and complete the process*
* It would take up to 12 hours to activate the registration of a new biller.
 To recharge, log into Net Banking and click on the Bill Pay & Recharge
 Click on DTH Recharge or Mobile Recharge and enter the top-up amount.
 Select your bank account number and confirm the details entered
 How do I delete my billers?
There are 2 ways to delete
1)You can delete your biller online by logging into Net Banking ---> Bill Pay & Recharge Tab---> View/Delete
Billers
OR
2) You can visit your HDFC Bank branch and submit an application to delete the selected biller from the Bill
Pay plus service.
 Will I have a confirmation of my payment using Bill Pay?
You are given a reference number for successful payments. Your account statement will also include the details
of your transaction.
 Will you let me know when my bill has been uploaded?
You will receive an SMS Alert to your mobile number registered with HDFC Bank once your utility bill has
been received from biller and processed in the Bill Pay plus system. SMS on bill presentment is available for
only those billers who provide the bank with electronic bill details. Please note we are totally dependent on the
utility company for receiving the billing details.
 How do I register for Bill Pay Plus?
There are four ways to register:
 Am I eligible to use the service?
All savings account holders (single, joint, with either or survivor mandate) and sole proprietorship current
account holders are eligible to use Bill Pay Online.
Direct Pay-NetBanking
 Why use DirectPay?
 Shop online easily
 Use your Savings or Current account
 Make secure transactions
 What are the benefits of DirectPay?
You can do more than shop – use DirectPay to organize Air tickets, pay your mobile phone bill, or pay your
insurance premium

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All you need is an HDFC Bank account and a registration for Net Banking with Third Party Transfer (TPT)
registration.
How safe is Direct Pay?
You don’t need to worry about Direct Pay. That’s because HDFC Bank offers the highest level of security
available. It’s called Secure Socket Layer, or SSL encryption, and it means that your NetBanking details are
kept completely confidential. Your customer ID and password cannot be viewed by the merchant, and we don’t
share your details with a third party.
Remember, we like to keep it simple, but we take your security seriously.
How do we know which websites offers Direct Pay facility?
 Decide what you want to pay for
 In the checkout process, select HDFC Bank’s Direct Debit / NetBanking as your option
 Authorize the transaction using your Customer ID and NetBanking password
 When your payment is authorized, your purchases are debited directly to your account, and credited to
the account of the provider (or website) from where you are shopping.
What if you are a resident of Secunderabad or Hyderabad?
If you are a resident of Hyderabad or Secunderabad, you can take advantage of HDFC Bank’s tie-up with
Eseva, a unique, integrated service launched by the government of Andhra Pradesh. Now you can pay your
electricity bills, water rates and municipal taxes with Direct Pay. Telephone bills will also be included soon.
Best of all, payments made with Direct Pay are updated in the databases of the utility companies in a real-time
basis.
INSTA PAY- NET BANKING:-
With InstaPay, you can skip the hassles of registration. Pay bills, donate to charities or subscribe to magazines
from the comfort of your home or office.
 Why use InstaPay?
 Benefit from the convenience of easy, at-home payment.
 No need to stand in queues or handle cheques
 Pay bills without wasting time on registration
 How does it work?
To use InstaPay, you need:
 Your NetBanking Password
 Your bill details
 What is Insta Pay all about?
Organize your bills at home or at work, hassle free. All you need are the bill details and your
NetBanking password.
 What do we need to know?
When making payments to Electricity companies remember that transactions must be completed at least two
days before the due date.The right details are important. Incorrect information could lead to wrong or
incomplete payments. In this case, you will need to follow it up with the relevant Utility Company or
service provider.

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 What is Prepaid Mobile Recharge?
With HDFC Bank’s Prepaid Mobile Recharge you can:
 Pay directly from your bank account
 Avoid running out of credit
 Pay from the comfort of your home or office
 No need to withdraw cash
 Recharge in just a few second.
Prepaid Mobile recharge on the internet:-
Recharge your mobile, right here on the HDFC Bank website. You can pay directly from your bank account,
and avoid withdrawing cash.
Simply go to the Recharge Page, and follow these steps:
 Select your mobile operator name, enter your mobile number, and enter the amount you would like to
top-up.
 Now confirm the payment, by logging into NetBanking using your Customer ID and IPIN (your
NetBanking password).
 Your phone will be recharged in just a few seconds! (The timing depends on the option chosen).
BILL PAY-PHONE BANKING:-
Opt for the convenience of paying bills from anywhere and anytime through our PhoneBanking facility.
Now get complete freedom from writing cheques, late payments and lost bills.
 Why use BillPay - PhoneBanking?
Use convenience at its best to pay:
 Telephone Bills
 Electricity Bills
 Mobile Bills
 Insurance Premiums
 Mutual Fund Premiums
 Benefits
 No more waiting in queues,
 No more issuing cheques
 No more late payment hassles
 Convenience at its best
o No more queues
o No more cheques
o No more late payments
o No more payments to agents
o No more lost bills
 Payments can be made right up to the due date.
 Check your bill amount before you make any payments to ensure that you pay the exact amount you want
to.
 Please note the discount mentioned below for Bill Pay
Location Biller Name Offer

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Mumbai Reliance Energy 0.5% discount on bill amount,
subject to a maximum discount
of Rs. 250 per bill
 Which bills we can pay?
Depending on the city you reside in you can use BillPay – PhoneBanking to pay your bills for 5
different electricity consumer numbers, 5 different phone (landline + mobile) numbers and 5 different
insurance policy numbers.
 How do we pay bills?
To pay your bills with BillPay - PhoneBanking you need to:
 Dial the PhoneBanking Number in your city
 Select the bill payment option on IVR
 Select the bill to be paid
 Enter the amount and confirm your transaction
PAY BILLS- ATM:-
Pay bills at your convenience, using your HDFC Bank ATM. Avoid the hassles of cheques, late
payments and lost bills, and make your payments easily and safely.
Are Credit Card bill payments your constant worry? Forget the queues and cheque payments, because
you can now pay your HDFC Bank Credit Card bills through various convenient channels. Be it from
your mobile phone or NetBanking, choose a mode that suits your need!
 Why pay your Credit Cards bill online?
 It’s free
 You can make payments from non-HDFC Bank accounts
 Over 49 banks are part of this facility
 How can you pay your HDFC Bank Credit Card bills?
You can pay through:
 HDFC Bank NetBanking
 Non-HDFC Bank NetBanking
 HDFC Bank Mobile App.
 What payment channels can we use and how?
NetBanking
HDFC Bank NetBanking - HDFC Bank savings/current account holders can register for NetBanking and
transfer the outstanding Credit Card amount online. To link your Credit Card to NetBanking, please log in to
your HDFC Bank NetBanking account and link using your Credit Card ATM PIN.
Non-HDFC Bank NetBanking - You can now make your Credit Card payments online from any other bank
account, if you do not have an account with HDFC Bank.
HDFC Bank MobileBanking Apps
Make sure you have downloaded and installed the HDFC Bank MobileBanking Apps on your phone and
enabled internet access. Log in to the Mobile App using your Customer ID and go to the ‘Credit Card’ tab,
choose ‘Credit Card Payment’ and make your payments using your HDFC Bank Savings Account

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HDFC Bank MobileBanking through Browser Log in to your Netbanking account using MobileBanking
through Browser (www.m.hdfcbank.com). Go to the ‘Credit Card’ tab, choose ‘Credit Card Payment’ and make
the payments using your HDFC Bank Savings Account.>
ATM Funds Transfer All you have to do is walk in to any HDFC Bank ATM in India, at any time and transfer
the bill amount from your Savings or Current Account to your Credit Card Account
NEFT/ Visa Money Transfer (for other bank account holders) You can transfer funds from any other bank
account to your HDFC Bank Credit Card account electronically. Please contact your bank for more details
on NEFT. Use IFSC Code HDFC0000128 for card payment through NEFT (please prefix 00 to your 14 digit
Diners Club Card Number).
 What are the other payment options?
 Autopay You can provide standing instructions to debit your HDFC Bank Account automatically for
either the minimum amount due or the total monthly outstanding amount on your Credit Card. Your
account with HDFC Bank should be a sole or a joint account with an 'any' or 'either' signing mandate.
 Over the counter Cash Payment Walk into any HDFC Bank branch and make your Credit Card
payment by cash. Note: Cash payments at branches/ATMs will be charged a cash processing fee of Rs.
100/- per payment.
 Cheque Payment You can deposit a local cheque, having made it payable to the HDFC BANK Card A/c
(you should mention your Credit Card number) at any of our drop boxes located at ATMs and branches
in your city. HDFC Bank has an extensive network of 2,201 branches and over 7,346 ATMs across India.
Local cheque payments will be credited to your Card Account in 3 working days. To locate the Branch
nearest to you, click and for the nearest ATM.
NON HDFC BANK ACCOUNT:-
Make your payments to HDFC bank credit card through 3 simple steps:-
1. Provide your HDFC bank credit card payment details
 Enter your HDFC Bank credit card number and Payment amount.
 Select your net banker from drop-down and click on PAY.
 You will be securely redirected to bank payment interface of your chosen net bank option.
2. Confirm payment (at bank)
 Enter your authentication details[viz user id/ password]
 Confirm your payment amount to HDFC Bank credit card.
 Your account will get debited online.
3. Receive online confirmation
 You will receive an online confirmation and a transaction reference number.
 You will also receive an online acknowledgement of your transaction( if email id provided)
 How do you register for Standing Instruction on Debit Card?
For New Bill & SI on Debit Card registration through NetBanking:
STEP 1: Log on to NetBanking > BillPay & Recharge > Add Biller > Enter new Biller details
STEP 2: Select Standing Instruction and the Debit Card option.
STEP 3: Enter Debit Card (enter expiry date in MM / YYYY format) details and click confirm to set the
Standing Instruction
For already RegisteredBills on BillPay to register for SI on Debit Card:

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STEP 1: Log on to NetBanking > Go to BillPay & Recharge > Standing Instruction
STEP 2: Click on Set/ Modify/Delete to select the Bill for which you want to set Standing Instruction for.
STEP 3: Click on Set, enter the Debit Card (enter expiry date in MM / YYYY format) details and Confirm.
For Prepaid recharge registration through NetBanking:
STEP 1: Register through Netbanking> BillPay & Recharge > Mobile/DTH registration
STEP 2: Select “Set” against the biller to register for SI on Debit Card under Standing Instruction >
Set/Modify/Delete.
STEP 3: Enter the Recharge amount & frequency
STEP 4:Select Debit Card no. , Expiry Date & Confirm.
Or Call PhoneBanking
Standing Instructions for Prepaid recharges cannot be registered through PhoneBanking.
 What bills can I pay with Standing Instruction facility?
Bills such as Utility (Electricity, Gas, Water, etc.), Telecom (Postpaid mobile and Landline) bills and Insurance
premium payments can be made.
To know which bills can be registered for Standing Instructions on your Debit Card, kindly select your location.
Payment overdue loan:-
Make your payments to HDFC Bank overdue loan payment in 3 simple steps.
1. Provide your HDFC bank loan details.
 Enter your HDFC Bank overdue loan account number and date of birth.
 Select your net banker from Drop-down and click on PAY.
 You will be securely redirected to the bank payment interface of your chosen net banking
option.
2. Confirm payment (at Bank)
 Enter your authentication details [viz user/ password].
 Confirm your payment amount towards your HDFC Bank loan amount.
 Your account will get debited online.
3. Receive online confirmation
 You will receive an online confirmation and a transaction reference number.
FUND TRANSFER:-
e-monies National Electronic Funds Transfer:-
With e-Monies National Electronic Funds Transfer you can transfer funds and make Credit card payments to
any bank across India. With this service your transactions are easier, and, with fewer restrictions, they reach
further than before.
 What is e-Monies Electronic Funds Transfer?
A nation- wide funds transfer system, supporting the transfer of funds from any bank branch to any other bank
branch, anywhere in India.
NEFT Timing at branches & NetBanking
 What are the benefits of Electronic Funds Transfer?

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E-Monies National Electronic Funds Transfer is:
Easier – no queues
Faster – no demand drafts, cheques or letters
Convenient - handle Credit card payments from home.
 To add a beneficiary –
Both the NetBanking and Third Party Funds Transfer facilities should be enabled. (If you’re not yet registered,
just fill the form at your closest HDFC Bank branch).
You should have your beneficiary’s IFSC handy. You can get this from the beneficiary bank.
When the above is complete you can follow these steps:
Step 1 - Log into HDFC Bank NetBanking, using your Customer ID and Password
Step 2 – Go to Fund Transfer tab.
Step 3 - Click ‘Add a Beneficiary’, and then select Beneficiary Type – Transfer to other bank
Step 4 – Enter the beneficiary account or Credit card number
Step 5 – Select the IFSC, using the bank and branch name. Now you can add the beneficiary. Remember, this is
a one-time process.
Step 6 – Click ‘Add’, then ‘Confirm’
Step 7 – Authenticate yourself at the secure access step, and wait for your confirmation message
Post activation of a beneficiary, you can transfer a maximum of Rs. 100,000/- to each beneficiary for first 2
days.
One thing to note – After completing the addition of the beneficiary it will take 30 minutes for the details to be
added to the list of beneficiaries.
To make your funds transfer/Credit card payment –
Step 1 – Go to Fund Transfer tab, and click Transfer to other bank
Step 2 – Select account, beneficiary, and enter the relevant details.
Step 3 – Accept the Terms and Conditions
Step 4 – Review the details, and, if all is correct, confirm to complete the process.
 Credit card payments
Credit card payments can be completed easily through HDFC Bank’s NEFT service under NetBanking.
There are a few points to note:
You need to have the NetBanking and Third Party Funds Transfer facilities enabled (If you’re not yet
registered, just visit your nearest HDFC Bank branch and fill the form).
The Credit card issuing bank must be enabled to receive payments via NEFT
The IFSC should be obtained from the Credit card issuing bank (without the correct IFSC, the transaction will
be rejected)
RTGS funds transfer:-
Real Time Gross Settlement’, RTGS, is the fastest possible money transfer system through the banking channel.
Because settlements are made in real time, transactions are not subject to any waiting periods. With RTGS,
transferring money becomes an easier, faster process.
 What is RTGS Funds Transfer?

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An inter-bank funds transfer system that makes transactions in ‘real time’
RTGS Timing at branches & NetBanking
Speed – transfers in real-time
Faster settlement cycles – no more inter-bank or clearing house settlement issues
Wider boundaries – no geographical limitations within India.
RTGS Funds Transfer process
 RTGS Funds Transfer is both fast and convenient.
 Go to Funds Transfer and select ‘Transfer to other bank (using RTGS)’
 Add the beneficiary’s details
 Complete the transfer details (the sender and recipient information)
 Confirm your transaction
 Is there a fee?
RTGS transactions are charged as below:
 Rs 2 lakh to Rs 5 lakh - Rs. 25 (exclusive of taxes) per transaction
 Above Rs 5 lakh - Rs. 50 (exclusive of taxes) per transaction
What is RTGS System?
The acronym 'RTGS' stands for Real Time Gross Settlement, which can be defined as the continuous (real-time)
settlement of funds transfers individually on an order by order basis (without netting). 'Real Time' means the
processing of instructions at the time they are received rather than at some later time; 'Gross Settlement' means
the settlement of funds transfer instructions occurs individually (on an instruction by instruction basis).
Considering that the funds settlement takes place in the books of the Reserve Bank of India, the payments are
final and irrevocable.
 How RTGS is different from National Electronics Funds Transfer System (NEFT)?
NEFT is an electronic fund transfer system that operates on a Deferred Net Settlement (DNS) basis
which settles transactions in batches. In DNS, the settlement takes place with all transactions received
till the particular cut-off time. These transactions are netted (payable and receivables) in NEFT whereas
in RTGS the transactions are settled individually. For example, currently, NEFT operates in hourly
batches. [There are twelve settlements from 8 am to 7 pm on week days and six settlements from 8 am
to 1 pm on Saturdays.] Any transaction initiated after a designated settlement time would have to wait
till the next designated settlement time contrary to this, in the RTGS transactions are processed
continuously throughout the RTGS business hours.
 Is there any minimum/maximum amount stipulation for RTGS transactions?
The RTGS system is primarily meant for large value transactions. The minimum amount to be remitted
through RTGS is Rs. 2 lakh. There is no upper ceiling for RTGS transactions.
 What is the time taken for effecting funds transfer from one account to another under RTGS?
Under normal circumstances the beneficiary branches are expected to receive the funds in real time as

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soon as funds are transferred by the remitting bank. The beneficiary bank has to credit the beneficiary's
account within two hours of receiving the funds transfer message.
 Would the remitting customer receive an acknowledgement of money credited to the beneficiary's
account?
The remitting bank receives a message from the Reserve Bank that money has been credited to the
receiving bank. Based on this the remitting bank can advise the remitting customer through SMS that
money has been credited to the receiving bank.
 Would the remitting customer get back the money if it is not credited to the beneficiary's account?
When?
Yes. Funds received by a RTGS member for the credit to a beneficiary customer's account, will be
returned to the originating RTGS member within two hours of the receipt of the payment at the PI of the
recipient bank or before the end of the RTGS business day, whichever is earlier, if it is not possible to
credit the funds to the beneficiary customer's account for any reason e.g. account does not exist, account
frozen, etc. Once the money is received back by the remitting bank, the original debit entry in the
customer's account is reversed.
 Till what time RTGS service window is available?
The RTGS service window for customer's transactions is available to banks from 9.00 hours to 16.30
hours on week days and from 9.00 hours to 14:00 hours on Saturdays for settlement at the RBI end.
However, the timings that the banks follow may vary depending on the customer timings of the bank
branches.
 What about Processing Charges/Service Charges for RTGS transactions?
With a view to rationalize the service charges levied by banks for offering funds transfer through RTGS
system, a broad framework has been mandated as under :
Inward transactions - Free, no charge to be levied.
Outward transactions -
Rs. 2 lakh to Rs. 5 lakh - not exceeding Rs. 30 per transaction;
Above Rs. 5 lakh - not exceeding Rs. 55 per transaction.
 What is the essential information that the remitting customer would have to furnish to a bank for
the remittance to be effected?
The remitting customer has to furnish the following information to a bank for initiating
a RTGS remittance :
 Amount to be remitted
 Remitting customer's account number which is to be debited
 Name of the beneficiary bank and branch
Name of the beneficiary customer
Account number of the beneficiary customer
Sender to receiver information, if any
The IFSC number of the receiving branch

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 How would one know the IFSC code of the receiving branch?
The beneficiary customer can obtain the IFSC code from his bank branch. The IFSC code is also
available on the cheque leaf. The list of IFSCs is also available on the RBI website
(http://rbidocs.rbi.org.in/rdocs/RTGS/DOCs/RTGEB0112.xls). This code number and bank branch
details can be communicated by the beneficiary to the remitting customer.
 Do all bank branches in India provide RTGS service?
No. All the bank branches in India are not RTGS enabled. Presently, there are more than 100000 RTGS
enabled bank branches. The list of such branches is available on RBI website
at:http://rbidocs.rbi.org.in/rdocs/RTGS/DOCs/RTGEB0112.xls
 Is there any way that a remitting customer can track the remittance transaction?
It would depend on the arrangement between the remitting customer and the remitting bank. Some banks
with internet banking facility provide this service. Once the funds are credited to the account of the
beneficiary bank, the remitting customer gets a confirmation from his bank either by an e-mail or SMS.
Customer may also contact RTGS/NEFT Customer Facilitation Centres of the banks, for tracking a
transaction.
 How can a remitting customer know whether the bank branch of the beneficiary
accepts remittancethrough RTGS?
For a funds transfer to go through RTGS, both the sending bank branch and the receiving bank branch
would have to be RTGS enabled. The lists are readily available at all RTGS enabled branches. Besides,
the information is available at RBI website
(http://rbidocs.rbi.org.in/rdocs/RTGS/DOCs/RTGEB0112.xls). Considering that more than 100000
branches at more than 20,000 cities/towns/taluka places are covered under the RTGS system, getting this
information would not be difficult.
Visa CardPay:-
Pay a VISA Credit card bill issued by any bank in India using HDFC Bank’s VISA CardPay. No branch queues,
no waiting, no issuing cheques. Just fast, safe payments, when and where you need them.
The service is convenient to use and can be accessed from the comfort of your home/office.
 Why use Visa CardPay?
 Pay bills of multiple Visa Credit Cards issued by any bank
 Pay from the comfort of your home or office
 Make safe payment anytime
 Payment at a 'negligible cost'
To Pay through Visa CardPay, please follow the steps listed below
Step 1: Log into NetBanking
Step 2: Click Third Party Transfer Tab
Step 3: Choose Visa CardPay and fill details

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 What’s the process?
Visa CardPay is fast, safe and simple.
 Log onto NetBanking
 Enter your Customer ID and Password
 Go to Third Party Funds Transfer, and select Visa CardPay
 Enter the transfer details, including the sender and recipient information
 Confirm the transaction
 Credit the beneficiary’s card
Your account is then debited online. The funds are sent to your beneficiary bank within two working days, and
the bank will then transfer the amount to the beneficiary’s card account.
 Is there a transaction limit?
The per transaction limit for Visa CardPay is Rs 49,999/-.
 Is there a fee?
A nominal fee of Rs 5/- (plus taxes) will be applied to each Visa CardPay transaction.
 Third Party Funds Transfer
Remember that you need to be registered for Third Party Funds Transfer to use Visa CardPay.
If you're not registered yet, just complete the form and take it to your HDFC Bank.
IMPS:-
IMPS (Immediate Payment Service) from HDFC Bank are an instant real time inter-bank electronic fund
transfer service. Using this service, you will now be able to receive or send money even on Sundays and Bank
Holidays or late at night.
What's more, the money is credited in to the beneficiary account instantly. So go ahead and ask your friends to
send you money through IMPS and enjoy instant credits into your HDFC Bank account.
Also available on Android / Android Tablet / I phone / Windows Tablet / BB Z10 Apps
 Send money using IMPS
Now you can instantly transfer money through IMPS by
 Using Account number and IFSC
Or
 Using MMID and Mobile number
 Receive money using IMPS
Now receive money using IMPS by
 Sharing your account number and IFSC with Sender
Or
 Sharing your Mobile Number and MMID with Sender
 How to receive money using IMPS
Using Account number and IFSC Code Using Mobile Number and MMID

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Now share your Account number and IFSC with the
sender so that he/she can send money to your account
instantly.
Share your MMID and Mobile number with the
sender so that he/she can send money to your account
instantly.
How to generate MMID.
Genrate MMID through MobileBanking
 Logon to MobileBanking App or logon to
m.hdfcbank.com from mobile internet browser
 Click on accounts section
 Click on Generate MMID
or
Generate MMID through NetBanking
 Login to NetBanking, and click on Generate MMID
transaction in left menu, under Request section.
 Enter the details and Confirm
 MMID is generated for your account.
or
Call PhoneBanking to generate MMID
 Call PhoneBanking number of your region
 Select Language
 Select 1 for Banking
 Select 6 to talk to agent to register for IMPS and
generation of MMID
Request for IMPS registration will be tken and
MMID will be sent to your Mobile number by next
working day.
How to send money using IMPS
Send Money using Account number and IFSC Send Money using MMID and Mobile Number
NetBanking
 Login to NetBanking and Click on "Funds Transfer"
Tab
 Click on IMPS Funds transfer using account number,
NetBanking
 Login to NetBanking and Click on "Funds Transfer"
Tab
 Click on IMPS Funds transfer using Mobile number,

36
enter the details, and confirm the transaction.
 You will receive the confirmation sms for IMPS
transaction
enter the details, and confirm the transaction.
transaction
MobileBanking
Android / Android Tablet / Iphone / Windows
Tablet / BB Z10 Apps
 Logon to MobileBanking
 Click on Fund Transfer Tab
 Click on Other Bank using IMPS
 Select option Using IFSC/AC No.”
 Select Beneficiary, enter Amount, Remark and
confirm
transaction.
MobileBanking through browser
 Logon to m.hdfcbank.com
 Click on Third party Fund Transfer
 Click on IMPS Funds transfer using Account number
 Select Beneficiary, enter Amount, Remark and
confirm
transaction.
USSD
 Dial *99#
 Enter IFSC as HDFC
 Select option - Fund Transfer- Account no
 Enter IFSC and Account number of Beneficiary
 Enter MPIN and Last 4 Digits of your account
number
 Enter Amount, Remarks and Confirm.
MobileBanking
Blackberry
 Logon to MobileBanking
 Click on Third party Transfer
 Click on IMPS Funds Transfer
 Fill the details ie Beneficiary Mobile Number,
Beneficiary MMID, Amount and Remark and
confirm
transaction
Android and I phone App
 Logon to Mobile Banking
 Go to Funds Transfer Tab
 Click on Other Bank using IMPS
 Select option “Using MMID.”
 Fill the details i.e Beneficiary Mobile Number,
Beneficiary MMID, Amount and Remark and
confirm
transaction
USSD
 Dial *99#
 Enter IFSC as HDFC
 Select option - Fund Transfer- MMID
 Enter Mobile number and MMID of Beneficiary
 Enter MPIN and Last 4 Digits of your account
number

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You will receive the confirmation sms for IMPS
transaction.
Generate MPIN by calling on PhoneBanking
numbers MPIN will be sent to your Mobile number
on next working day
 Enter Amount, Remarks and Confirm.
You will receive the confirmation sms for IMPS
transaction.
Generate MPIN by calling on PhoneBanking
numbers
 Call PhoneBanking number of your region
 Select Language
 Select 1 for Banking
 Select 6 to talk to agent to Generate MPIN for USSD
services.
 MPIN will be sent to your Mobile number on next
working day
IMPS
 If my IMPS transaction is failed or not completed, by when will I get my money back?
Yes. In case, your account is debited and beneficiary account is not credited, then please call on our
PhoneBanking number with the following details:
 RRN (Transaction Reference Number)
 Date of transaction
 Amount of transaction
 Remitter Bank name
 Beneficiary Bank Name
The TAT for reversal of amount for failure transaction is 5 days.
 What are the charges for doing IMPS transactions?
Effective 10th May 2014, service charges will be levied on all IMPS outgoing transactions, please click
here for more details.
 What is IMPS?
IMPS stands for Immediate Payment Service. It is an instant interbank electronic fund transfer service,
which can be accessed from MobileBanking or NetBanking. As an HDFC Bank customer you can send
money instantly to anyone in any participating bank (including another HDFC Bank customer). You can
also receive money through this mechanism from anyone else in a participating bank (including another
HDFC Bank customer).
 Is my beneficiary also required to register for IMPS?
Customer using Option “IMPS using Account number and IFSC”
No
Customer using option “IMPS using Mobile Number and MMID”.
Yes, your beneficiary (either an HDFC Bank customer or another Bank’s customer) has to have his/her
mobile number registered with his/her respective bank in which the account is hosted. Your beneficiary

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should also have a valid 7 digit MMID provided by his/her bank. Just as you have, your beneficiary will
also have a unique MMID for each bank account linked to his/her mobile number.
 What details of my beneficiary do I need to send money?
You will need you beneficiary’s Account number and IFSC to send money. (Beneficiary needs to be
added in NetBanking in order to transfer money or you can send money to already
added NEFT Beneficiaries)
or You will need your beneficiary’s 10 digit mobile number and MMID to send money if you are using
option of MMID and Mobile Number to send money.
 What happens in case I enter a wrong beneficiary mobile number when sending money using
option “IMPS using MMID”?
You will have to enter both a mobile number and MMID to initiate a money transfer and funds will be
credited to an account. This is another reason why this service is safe.
 How do I send money through NetBanking
 Login to NetBanking and Click on "Funds Transfer" Tab
 Click on IMPS Funds transfer using account number, enter the details, and confirm the transaction.
 You will receive the confirmation sms for IMPS transaction
Or
 Login to NetBanking and Click on "Funds Transfer" Tab
 Click on IMPS Funds transfer using Mobile number, enter the details, and confirm the transaction.
 You will receive the confirmation sms for IMPS transaction
 Where can I see the summary or status of all the IMPS transactions that has been done by me?
NetBanking
 Login to NetBanking, and Click on "Funds Transfer" Tab
 Click on “View IMPS Funds transfer” in the Enquire section, and Input Reference number or Specify
date to search your transaction and press ok
 System will display the list of IMPS transaction. Click on the reference number of the transaction to
check the status of the transaction
MobileBanking
 Is there any limit on the value of transactions when I am sending money using IMPS?
Yes, the limits are as follows:
 IMPS using Account number:
Customer can transfer maximum amount as per the TPT limits. However per transaction limit for IMPS using
Account number is Rs 2 Lakhs.
 IMPS using MMID:
NetBanking and MobileBanking: Rs 5000 per day per Custid (on either of the channel)
Please note: Limit of Rs 5000 applies whether as an individual or multiple transactions from either of the
channel but not from both the channels.
For USSD channel Limit is Rs 1000 each for IMPS fund transfer using MMID and IMPS Fund transfer using
Account number

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 How to register Beneficiary for IMPS?
Steps to add a IMPS beneficiary.
 Click on Funds Transfer tab.
 Go to Add Beneficiary in the Request section, and Select Transfer using NEFT./IMPS
 Fill in the details and confirm
Beneficiary will get added in 30 minutes. Post addition, you can transfer money to any IMPS registered
beneficiary as per the limits mentioned below:
a) Rs 10,000 in first 24 hours
b) Rs 25,000 in first 48 hours
Post that,the Third Party Transfer limits will apply.
Incase of no Funds Transfer to an added beneficiary for more than 24 months, the beneficiary will be treated as
a new beneficiary in all respects.
Online Payment of Direct Tax:-
Gone are the days when filing your direct tax was a dreadful, tedious task. With our NetBanking facility you
can file your direct tax to the Central Board of Direct Taxes (CBDT) right from your desktop as per your
convenience.
Now say goodbye to the hassles of standing in long queues, writing cheques, filling challans in four copies or
visiting a collecting bank.
Why use Online Tax Payment?
Convenience at its best:
 No need to stand in long queues for payment of tax or write cheques or fill challans in four copies
 No need to visit a collecting bank
 Enjoy extended deadlines for payments on cutoff date
A simple and convenient process
 Fill in the details of the Challan and submit the transaction
 Enter your NetBanking Customer ID and Password
 Enter your account details to get your account debited online.
 In which HDFC Bank branches can I avail his service?
At present we provide this service through 322 branches.
 Is HDFC Bank authorized by the RBI to collect direct taxes?
Yes, HDFC Bank was first private bank that was authorized by the Central Board of Direct Taxes (CBDT) as
well as the Reserve Bank of India to collect direct taxes.
 How can I download the challan for online tax payment?.
The steps to be followed are below
Log in to Netbanking --> Accounts menu --> Regenerate Direct Tax Challans - For Re-Generation of CBDT
Challans.
Online Payment of DVAT and CST:-
Filing taxes was never fun. But it’s definitely less tedious with our NetBanking facility. With the HDFC Bank
NetBanking facility, you can file your Delhi Value Added Tax (DVAT) and Central Sales Tax (CST) right from

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your desktop, without the hassles of standing in long queues, writing cheques or filling challans in four copies.
You also don’t need to visit a collecting bank!
 Why use Online Tax Payment?
 What kinds of taxes are paid online?
The Delhi Value Added Tax (DVAT) and Central Sales Tax (CST) can be paid online through HDFC Bank.
 How will I know if my DVAT or CST has been successfully filed or not?
You will receive an acknowledgement as soon as the amount is debited from your HDFC Bank account.
 Is it mandatory to pay DVAT online?
As per the circular (No. F.7(400)/Policy/VAT2011/1006-1018) from the Commissioner-VAT, all dealers and
contractees (TAN Holders)have to make payment of their tax, interest, penalty or any other amount due under
Delhi Value Added Tax Act 2004, compulsorily through an electronic mode of payment.
 What needs to be compulsorily filled on the challan?
Your TIN number, complete name, address and period of payment are some of the compulsory fields to be
filled in the online challan.
Online Payment of Excise & Service Tax:-
Filing your taxes has just become a less painful task! You can now make your Excise & Service Tax payments
right from the comfort of your office by using our NetBanking service.
Now say goodbye to the hassles of visiting a collecting bank, filling challans in four copies and standing in
long, never-ending queues!
You can now pay On-line Excise & Service Tax for all Commission rates. The payment process remains same,
the only change is this facility is now available for all Commission rates as against the present selected ones.
 No need to stand in long queues or write cheques or fill challans in four copies
 Enter your account details to get your account debited online

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 Is the Excise Duty and Service Tax payment process in line with the RBI directive?
Yes. Our Excise Duty and Service Tax payment process are in line with the RBI directive. Thus, on input of the
assesses code, the assesses data will be automatically populated based on the assesses data that is maintained
by NSDL.
 How do I know if my excise duty/ service tax has been successfully filed?
You will receive a cyber receipt with a unique Challan Identification Number and other relevant details
instantly, as soon as the payment is successfully made.
 In which cities does HDFC Bank collect excise duty and service tax online?
You can now pay On-line Excise & Service Tax for all Commission rates. The payment process remains same,
the only change is this facility is now available for all Commission rates as against the present selected ones.
Online Payment of GVAT
Avoid the hassles of standing in long queues, filling challans in four copies and visiting a collecting back to file
your Gujarat Value Added Tax (GVAT). Use our NetBanking service to pay your GVAT online at your own
convenience.
 Why use Online GVAT Payment?
 Enjoy extended deadlines for payments on cut off date
 How do I know if my Gujarat Value Added Tax (Gujarat VAT) has been successfully filed or not?
You will receive the Acknowledgment / Challan copy with unique CIN no (Challan Identification Number) and
other relevant details instantly, as soon as the payment is successfully made.
 How do I pay my Gujarat Value Added Tax (Gujarat VAT) online?
Kindly click on the below user type for to know about the process in detail:
 NetBanking Users
 ENet– Corporate Users
 ENetBanking – Corporate Users
 What will happen if I enter an incorrect password on Cyber Treasury Portal?
Cyber Treasury Portal allows three attempts to login. The Password will be locked after three failed attempts
and it will be unlocked automatically only after 15 minutes.
After these 15 minutes, Cyber Treasury Portal will offer two more set of three attempts to login; each set of
three failed attempts will be locked for next 15 minutes. After the last attempt (9th attempt), your password will
be disabled and you have to send a request to Cyber treasury to enable the password.

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 How to change the password on Cyber Treasury Portal and Commercial Tax portal?
You will get the facility to change your password on both the sites on your login page.
 What will happen to the password that I use on the Cyber Treasury Portal if I change or reset the
password on?
If you change the password only on Commercial Tax portal , the password on Cyber Treasury Portal will
remain the same. The password management is separate for each site. The new password of Commercial Tax
portal will not be reflected on Cyber Treasury Portal.
Online Payment of MCGM Octroi Duty
Gone are the days when paying your Octroi duty was a dreadful, tedious task. With our NetBanking facility you
can file your Octroi Duty to the Municipal Corporation for Greater Mumbai right from your desktop as per your
convenience.
Now say goodbye to the hassles of standing in long queues, writing cheques, filling challans in four copies or
visiting a collecting bank.
 No need to stand in long queues or write cheques or fill challans in four copies.
 Who all can make the octroi duty?
All HDFC bank account holders with net banking facility can avail the facility.
 How do I know if my Octroi duty has been successfully filed?
You will receive a cyber receipt with a unique Challan Identification Number and other relevant details
instantly, as soon as the payment is successfully made.
Online Payment of Taxes to the Government of Odisha
As an account holder of HDFC Bank, you can now enjoy the advantage of making hassle free online payment
of taxes/dues to the State Government of Odisha. HDFC Bank has been appointed as an Agency Banker for the
Government of Odisha for the collection of State Government Receipts.
 Why make Online Payment of Government dues?
 No need to stand in long queues for payment of taxes or write cheques or fill four copies of challans
 No need to visit a collecting bank to deposit a cheque, and then wait for the money to be debited from
your account
 Log on to https://www.odishatreasury.gov.in/echallan/ChallanSubmission.do
 Fill in the details of the challan and submit the transaction

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 Which taxes can be paid online using net banking?
You may pay the following taxes online using Net banking:
Commercial Taxes, VAT, CST, OST, Entry Tax, Professional Tax, Entertainment Tax, Motor Vehicle,
Registration ,Tax Mining Royalties, Stamp Duty, e-Registration, RTI Fees
 Do I need to register for making payments?
Yes. You need to register yourself with the concerned Department of Government of Odisha for making the
government payments.
 Can I start making payments after I have registered myself with the concerned Department of
Govt. of Odisha?
Yes. You can immediately start making online payments using your NetBanking ID and Password.
 Do I need to activate Third Party Payment Facility in NetBanking to avail of the online payment
facility?
No, it is not mandatory. You can directly make tax payment after you have registered with the bank for
NetBanking. For more information, contact your nearest branch or call our phone banking number.
 Are there any charges for making these payments?
No. As an HDFC Bank account holder, this facility comes free of cost to you.
 How do I know that my taxes are successfully paid?
You will receive a cyber receipt with a unique Reference Number and other relevant details instantly, as soon as
the payment is successfully made.
BANK ONLINE:-
NetBanking
HDFC Bank offers you a comprehensive range of transactions across multiple products through its NetBanking
channel. So just log in to NetBanking and conduct 200+ transactions from the comfort of your home or
office.
You can check your Account Balance, book Fixed and Recurring Deposits, Download A/c Statement up to 5
years, pay your Bills, Recharge your Mobile/ DTH connection, and much more in a secure environment.
You can log in to NetBanking using your Customer ID and IPIN (password).
Experience Convenience ... Choose NetBanking!
 Why use NetBanking?
Manage your account conveniently through the Internet.
 200+ transactions available on NetBanking
 Up-to-the-second details of your account
 Access anytime, from anywhere
 No queues to stand in, or turns to wait for
 How safe is NetBanking?
 Our NetBanking service is secured with industry standard technology and infrastructure
 HDFC Bank has implemented an extra security solution for its customers - Secure Access.
Secure Access is a simple three-step process that greatly enhances your online security and allows you to
transfer funds online.

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 What’s NetBanking all about?
NetBanking is an incredibly convenient and powerful tool, letting you do everything you want with your
accounts at the click of a mouse.
It is Real Time, giving you up-to-the-second details on your account.
All you need to do is Log in using your Customer ID and IPIN (NetBanking password).
Your Customer ID is mentioned on your account statement/ account welcome letter/ cheque book. (Current
account / HUF customers can obtain this from the branch). You can re-generate your IPIN online in 3 easy
steps.
Some of the transactions you can do through NetBanking are:
 Check your account balances and download 5 year account statement in 5 formats, instantly
 Book Fixed Deposit / Recurring Deposit
 Pay Utility Bills
 View your Credit Card details and pay your Credit Card Bills
 Recharge your Prepaid Mobile & DTH Connections
 Invest in Mutual Funds Online
 Book IRCTC Tickets online
 Purchase a Gift Card
 Pay your Taxes online
 Update your PAN Details online
 View your Tax Credit Satement (Form 26 AS)
 Request for a Demand Draft/ Chequbook
 Request Stop Payment of a Cheque/ Hotlist you Debit Card/ Credit Card
 View your Loan details
 Apply for IPO
 Request for Debit Card PIN Regeneration
 Register for Third Party Transfer
 Transfer funds between accounts within HDFC Bank and other Bank Accounts
These are just some of the 200+ transactions you can do through NetBanking..
HDFC Bank's NetBanking service is secure. Using industry-standard technologies and infrastructures, our
service gives you peace of mind.
 How to register for NetBanking?
NetBanking Regsitration is given by default to all HDFC Bank Customers. In case you are not registered for
NetBanking, it is quick & easy.
The many ways through which you can register/regenerate are:
1. Online
Resident Customers and NR Customers with Domestic Mobile Number registered with the bank, can Register
for NetBanking online by following the below steps:
 Enter your Customer ID & confirm your mobile number
 Input the OTP which you have received on your mobile
 Select your Debit card & Input the Debit Card details.
 Set your IPIN

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 Login to NetBanking using the newly set IPIN.
 NR Customer with International Mobile Numbers registered with the bank.
2. ATM
 Visit your nearest HDFC Bank ATM
 Enter your HDFC Bank Debit Card number and your ATM PIN
 Select 'Other Option' from the main screen
 Select 'NetBanking Registration' and confirm
We will courier the IPIN to your mailing address
3. PhoneBanking
Call the Phone Bankingin your city and give your Customer ID and Telephone Identification Number (TIN) or
Debit Card and PIN
Our PhoneBanking agent will take your NetBanking registration request
We will courier the IPIN to your mailing address in our records within 5 days
4. Branch
 Download the NetBanking registration form (individual or corporate)
 Fill in the form and submit it to your nearest HDFC Bank branch
 We will courier the IPIN to your mailing address in our records
 There are no charges for NetBanking registration request
 Forgot your IPIN (password)?
We understand the importance of passwords in today’s online world . You could say they are the passports to
our entire online lives and businesses, which is why forgetting one can be a real headache.
Well, not anymore.
Remembering your NetBanking password or IPIN is a worry of the past, thanks to our instant IPIN facility. This
instantly resets your NetBanking password and generates a new one, which you can start using right away. So,
there will be no delays in accessing your account if you have lost your password.
Resident Customers and NR Customers with Domestic Mobile Number registered with the bank, can
Regenerate NetBanking IPIN online by following the below steps:
 Click on the link 'Forgot your IPIN & Re-generate IPIN
 Enter your Customer ID & confirm your mobile number
 Input the OTP which you have received on your mobile
 Select your Debit card & Input the debit card details.
 Set the New IPIN
 Login to NetBanking using the newly set IPIN.
 NR Customer with International Mobile Numbers registered with the bank need to regenerate
their IPIN Online
 To use Instant IPIN
Note: IPIN (NetBanking Password) regeneration request received at branches would be charges at Rs. 100 +
taxes (as applicable) per instance.

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Third Party Transfer
 What is Third Party Transfer?
Third-Party Transfer (TPT) is a feature you can use to transfer funds from your HDFC Bank account to another
account (called the beneficiary), within HDFC Bank or any other bank, anywhere in India.
You need to be separately registered for this service.
 Which transactions are covered under Third party transfer?
Third Party transfer includes all transactions where funds are transferred from one account to another, within or
outside the Bank.
You can conduct a Third Party Transfer from your account to other Bank accounts using:
 Transferring funds from your HDFC Bank account to other HDFC Bank accounts with different
Customer IDs. TPT is a real time transaction, which means that the transfer will show up immediately in
your accounts.
 National Electronic Funds Transfer (NEFT) - This is a Funds Transfer service, to transfer funds to
Accounts outside HDFC Bank. Any amount in the range of Re. 1 to Rs. 10 Lacs can be transferred
through this facility. You need to Add a Beneficiary to transfer funds to his Account. Only the Account
Number and IFSC details are used to carry out the transaction.
 Real Time Gross Settlement (RTGS) - This is a Funds Transfer facility where the amount reaches the
Beneficiary's Bank within time stipulated by RBI. The transaction amount can vary from Rs. 2 lakhs to
Rs. 10 lakhs. You need to Add a Beneficiary to transfer funds to his Account. Only the Account Number
and IFSC details are used to carry out the transaction.
 Immediate Payment Service (IMPS) (formerly called as InterBank Mobile Payment service)- through
which you can transfer funds Instantly to any IMPS Beneficiary. It is an instant interbank electronic
fund transfer service, which you can use with your mobile phone. As an HDFC Bank customer you can

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send money instantly to anyone in any participating bank (including another HDFC Bank customer) who
is registered for IMPS via the Mobile Banking service. You can also receive money through this
mechanism from anyone else in a participating bank (including another HDFC Bank customer).
Visa Card Pay From your account to any Visa Credit Card within India. Your account will be debited online,
and the funds will be sent to the beneficiary Bank within 2 working days using the Visa system. The
Beneficiary Bank will then transfer the funds to the beneficiary's card account.
Third Party Demand Drafts upto Rs. 10 Lac can be requested from your account, through NetBanking. DDs will
be couriered to the mailing address / beneficiary address provided within 4 working days. A maximum of 3
Demand Drafts can be requested through NetBanking, each day.
eCMS service is available for large corporate and institutions.
Third Party Transfer Registration
You need to register for Third Party Transfer. Resident Customers and NR Customers with Domestic Mobile
Number registered with the bank, can Register for Third Party Transfer online by following the below steps:
 Login to NetBanking using your Customer ID and IPIN
 Click on the ‘Third Party Transfer Tab’ and follow the instructions
 Select your Debit card & Input the Debit Card details.
 Confirm your mobile number.
 A One time Password ( OTP) would be sent to your registered mobile number
Authenticate the transaction by inputting the OTP and you would be registered for Third Party Transfer facility
instantly
In case you are not registered for Secure Access, you would be asked to register for the same during the above
process.
Resident Senior citizens would have to give a request at branch for TPT registration
NR Customer with International Mobile Numbers registered with the bank need to Register for Third Party
Transfer online
Alternatively, you can also fill up a TPT application form and submit it to the nearest HDFC Bank Branch along
with an original photo ID proof and a self-attested copy of it. If the form is in order, we will activate the TPT
facility within 4 working days from the day we receive your request NRI Customers unable to visit the branch,
can submit the TPT registration form along with self attested Photo ID Proof.
Add a Beneficiary
To transfer funds to TPT Accounts, you need to add a beneficiary. Doing that is simple, just follow these steps:
1. Log on to www.hdfcbank.com and enter your Customer ID and password (IPIN)
2. Go to Third Party Transfer and click on ‘Add a beneficiary’.(A maximum of 7 beneficiaries can be added in a
period of 24 hours)
3. Select the beneficiary type-transfer within HDFC Bank, transfer to another bank using NEFT.
4. Fill the beneficiary details and confirm. It would take 30 minutes for beneficiary activation due to security
reasons. (Post activation of a beneficiary, you can transfer a maximum of Rs. 50,000 in the first 24 hours, and
Rs. 100,000/- to each beneficiary for first 48 hours)
5. Adding a beneficiary is a onetime process
Please note:
 The validity of the beneficiary's account will be the sole responsibility of the Third Party Transfer user
 A joint accountholder will not be allowed to transfer money unless he has Financial Transaction Rights

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 There are special regulations governing the Financial Transaction Rights for Current Account customers
Third Party Transfer Limits
Default limit for Third Party Transfer (TPT) is Rs. 2, 00,000/- per Customer ID per day. This amount can be
transferred in parts or in lump sum.
Customer has the option to modify this limit and increase it online or offline. In order to do the increase limit
online, you need to authenticate via Debit Card details and One Time Password (OTP) sent on your registered
mobile number (For NR customers with local mobile number) OR One Time Password (OTP ) sent on your
registered mobile number and email id (For NR customers with international mobile number) . In case you are
not able to do it online, you need to submit the TPT limit increase form at the branch. This form needs to be
accompanied with a self attested photo ID proof along with original ID proof for verification. Maximum limit
capped for TPT is Rs. 10, 00,000/- per Customer ID per day.
NRI Customers unable to visit the branch can submit the TPT limit increase form along with self attested Photo
ID Proof.
The TPT limit can be reduced to up to Rs. 50,000, online.
Please note:
 Third Party Transfer service is for all customers who have their mobile numbers registered with the
Bank
 Current account holders need to be registered for Financial rights in order to conduct TPT transactions
Charges
NEFT transactions on NetBanking are charged as below:
 Amounts up to Rs. 10,000 - Rs.2.5 (exclusive of taxes) per transaction
 Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes) per transaction
 Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (exclusive of taxes) per transaction
 Amounts above Rs.2 lakh – Rs.25 (exclusive of taxes) per transaction
RTGS transactions are charged as below:
 Rs 2 lakh to Rs 5 lakh - Rs. 25 (inclusive of taxes) per transaction
 Above Rs 5 lakh - Rs. 50 (inclusive of taxes) per transaction
 For each Visa CardPay transaction, a nominal fee of Rs 5/- (plus taxes) will be applied.
 What is Secure Access?
HDFC Bank has implemented an extra security solution for its customers - Secure Access
Secure Access is an additional layer of security that is essentially a solution protecting your account from
hackers and fraudsters. Secure Access requires a one-time registration effort from your side.
All Third Party Transactions are covered under Secure Access
Let us take you through the steps involved in Secure Access and how it serves to protect your account
 HDFC Bank's NetBanking login is a two step process with Secure Access image and text verification.
 Screen 1 is where you key-in your customer id
 Screen 2 is for your password
 This is done as a security measure. On putting in your customer id, our backend will verify if you are
registered for Secure Access.
 If you are not registered for Secure Access, the next screen will have a box to key-in your password.

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 If, however, you are registered for Secure Access, you will be shown an image and text that have been
personalized by you during registration for Secure Access.
To register for Secure Access you will need to:
 Personalize an image
 Personalize text
 Answer 5 questions
 What is Secure Access?
Secure Access is an additional layer of security that is essentially a solution protecting your account
from hackers and fraudsters. The primary aim of the service is to monitor your important NetBanking
transactions covered under Secure Access, with an aim to block/ report any deviant transactions.
 What transactions are covered under the TPT facility?
Currently following transactions are covered under Secure Access:
 Transfer from one HDFC Bank account to other HDFC Bank account holders (under distinct customer
ID)
 Transfer from HDFC Bank account to any other Bank's account (also known as RTGS & NEFT)
 Visa CardPay
 Third Party Demand Draft through NetBanking
 DirectPay / Online Shopping
 Do I have to register for the Secure Access on a Compulsory Basis
Yes, in order to perform your Third Party Transfer or Online Shopping transactions, registration for
Secure Access is Compulsory.
 Can I register for Secure Access service through the Branch / Phone Banking/ ATM or any other
mode?
No, in order to register for Secure Access Service, you need to register for this service through an on
line medium only (post logging into Net Banking)
 Will my Customer ID or Net Banking Password (IPIN) change?
No, your Customer ID and IPIN will not change and will remain the same as they were.
 Is there a change in how I Log in to my Net Banking Page?
Yes, going forward, your login process for HDFC Bank's Net Banking will be a two step process with
Secure Access image and text verification.
 Page 1 where in your Customer ID will need to be entered
 Page 2 where in your IPIN will have to be entered.
This is done as a security measure. On putting in your customer id, our backend will verify if you are
registered for Secure Access.
 If you are not registered for Secure Access, the next screen will have a box to key-in your password.
 If however you are registered for Secure Access, you will be shown an image and text that have been
personalized by you during registration for Secure Access.
 Is Secure Access facility free of cost?
Yes, at the moment, Secure Access is a free of cost service for all Net Banking customers.

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 Secure Access - Registration Process and How does it work?
Secure Access works on the basic principle about you remembering / logging on to your correct
NetBanking site. The Secure Access registration process covers the following three steps.
 Selecting a Picture from the Choices and categories of pictures offered to you
 Selecting a Message that you are able to identify easily and personal to you
 Selecting Answers to some of the questions that are personal in nature (of which only you will have the
answers)
You will have to select your registered mobile number and authenticate the transaction by inputting
the OTP sent on your registered mobile number.
 How does selecting the Picture and the Message helpyou identify the correct HDFC Bank's Net
Banking site?
When you log on to Net Banking site and if you are a Secure Access registered customer, on the
Password page, you should be able to see your Picture and the Phrase that you selected when you
enrolled for Secure Access for the first time or as per your last modification, in case you are not able to
see the same, this would mean you are not on the correct Net Banking site and you should not progress
forward.
 Is it compulsory to answer all the five questions?
Yes, in order to complete your Secure Access registration, it is important and mandatory that all the five
questions be answered. These questions are personal in nature and as such only you will have the
answers to the same. Your responses to the Secure Access Registration" will be kept confidential by the
Bank as per our privacy policy.
 Can I upload my own picture as a Secure Access Image?
No, you have to select the picture from the given categories on registration screen.
 Can I use special characters in Secure Access Phrase?
No, Special Characters cannot be used in the Phrase that you choose to select for this service.
 What if my Net Banking connection fails or there is a sudden disruption in service?
In case you are registering for the Secure Access service and the connection fails mid-way then you will
have to restart the registration process once again.
 Will I be askedquestions every time I do a transaction?
No, you will not be asked questions every time you do a transaction, depending on the nature of the
transaction and a host of other variables, the system may ask you questions. Please do note that there is
no human intervention involved here and the system will ask you questions based on a set of algorithms
 How do I change my Secure Access Image and Challenge Questions/Answers?
To modify the details updated by you for Secure Access, please login to Net Banking and click on the
Third Party Transfer tab: To Reset the questions and answers:
 Access your Net Banking account
 Click on "Third Party Transfer" tab
 Click on "Change Questions Answers" option.

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 Answer five secret questions of your choice ( Please do not share the Questions or Answers with
anyone)
 You need to authenticate the change by inputting your Debit Card details and the OTP. (OTP is a
Onetime password that is valid for only one specific transaction sent on your registered mobile
number)
 Access your Net Banking account
 Click on "Third Party Transfer" tab
 Click on "Change Image and Message" option, select the image required and type the message
looking forward for continued patronage and support.
 What if my Secure Access ID gets locked?
The Secure Access service rights will only get locked post the incorrect answers to the questions or not
being able to answer. In such a scenario, login to Net Banking and click on "Modify Secure Access
Profile" and complete the steps, you need to authenticate the transaction by inputting your Debit Card
details and the OTP sent on your registered mobile number. Alternatively you can also call
up PhoneBanking or visit the Branch and provide a written request for the same. Post your correct
verification of the details, the Bank will unlock your Secure Access rights as well.
 Why do I need to set up challenge questions?
Challenge questions will be used to authenticate high risk transactions as an additional layer of security.
 What If I forget the answers to the questions?
Since the answers to the challenge questions are set by yourself as a customer, the chances are very less
likely that you may forget the same.
However, if you forget the answers to the same please log in to Net Banking and click Third Party
Transfer/ Accounts tab
You can modify the questions through an option Modify Secure Access Profile, and complete the steps,
you need to authenticate the transaction by inputting your Debit Card details and the OTP sent on your
registered mobile number.
Insurance on NetBanking
Now you can buy Life / General Insurance plans conveniently through NetBanking
Life Insurance
Ensure a financially secured future for yourself and your loved ones through Protection, Health & Retirement
and Investment solutions on NetBanking from HDFC life:
Protection Plans
 HDFC Life Click 2 Protect Plus Plan
 HDFC Life Group Credit Protect Insurance Plan (Single Premium Term Plan)
Health Plan:
 HDFC Life Cancer Care Plan
 HDFC Life Health Assure Plan
Children's Plans:

52
 HDFC Life YoungStar Udaan
 HDFC SL YoungStar Super Premium
Retirement Plan:
 HDFC Life Pension Super Plus Plan
Saving & Investment Plan :
 HDFC Life Click to Invest Plan
 HDFC Life Sampoorn Samridhi Plus
 HDFC Life Sanchay
General Insurance
You can now secure yourself, your family and your assets from the comfort of your home or office. You can
avail Motor, Health, Travel, Critical Illness, Home, Two Wheeler and Personal Accident Insurance through
HDFC Bank NetBanking in 3 easy steps & get your policy copy instantly. You can also avail 3 & 12 month
EMI facility to pay your premium.
Purchase Life / General Insurance in 3 simple steps through NetBanking
 Click on Insurance tab, and select General or Life Insurance option, as required.
 Select the type of Insurance, view the premium amount and “confirm” to make the payment
 Get instant Confirmation.
Virtual Keyboard
HDFC Bank's ‘Keyboard’ has three variations, thus giving customers that many more options to use the
application.
 Virtual Keyboard
 Scrambled Keyboard
 Hovering Keyboard
Virtual Keyboard
Virtual Keyboard is an online application, which gives an option for customers to input their NetBanking
Passwords (IPINs) with the help of a mouse. There is no need to use the physical keyboard in order to input the
IPINs.
 How to Use the Virtual Keyboard?
Below are the steps on how to use the Virtual Keyboard:
 Please click / tick mark on "Click here to use Virtual Keyboard for IPIN only"
 With the help of the mouse, please enter the IPIN on the Virtual Keyboard
 Press the relevant characters of your IPIN on the screen
 Once your IPIN is filled in the IPIN box, please click on "Log In" button and you can continue with
your NetBanking transactions.
 Advantage of a Virtual Keyboard?
The Virtual Keyboard is designed to protect the customer from malicious "Spy Ware" and "Trojan
Programs" designed to steal IPINs. The Virtual Keyboard reduces that risk.
 Is inputting of a NetBanking IPIN through a Virtual Keyboard compulsory?
No, this is not a compulsory step. A customer can still continue to use / input his IPIN through the
physical keyboard.

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