How to Open an HDFC Bank Account?

HDFC Bank offers top-notch banking services that are easily and quickly accessible. There are different types of HDFC Bank accounts that come with unique features and benefits. Each type is customised for various categories, such as women, employees, senior citizens, kids and more. This guide will walk you through the process of HDFC account opening, its eligibility criteria and charges.

Eligibility Criteria to Open HDFC Bank Account

One must meet the following eligibility criteria to open an HDFC Bank account:

  • Citizenship: You must be an Indian citizen or HUF to open an HDFC Bank account online.
  • Age: You must be at least 18 years old. Additionally, minors above 10 years can open a self-operated minor account at HDFC.
  • Minimum Deposit: To open an HDFC Bank account, you need to deposit at least ₹10,000 for urban branches, ₹5,000 for semi-urban branches, and ₹2,500 for rural branches as an initial deposit.

Documents Required for HDFC Account Opening

You must ensure you have the following documents ready while opening an HDFC zero balance account online:

  • Proof of Identity: Aadhaar card, valid driving licence, voter ID card, job card, etc.
  • Proof of Address: Utility bill, bank account statement, passport, driving licence, etc.
  • PAN card.
  • Form 16 (if you do not have a PAN card).
  • Two latest passport-size photographs.

How to Open HDFC Bank Account Online?

Follow the steps mentioned below for HDFC Bank online account opening:

Step 1: Go to the official website of HDFC Bank

Step 2: Under the ‘Save’ option, select the type of HDFC account you want to open.

Step 3: After selecting the type of account, click on the ‘Open Instantly’ option.

Step 4: Provide your Aadhar-linked mobile number and date of birth. Click on the ‘Start Now’ button.

Step 5: On the next page, mention your full name and tap on ‘Get OTP’. 

Step 6: Enter the OTP received on your mobile number and click on ‘Submit OTP’.

Step 7: Click on ‘Continue’, enter your Aadhar number, check the box and press ‘Get OTP’.

Step 8: Enter the OTP and verify e-KYC. 

Step 9: After verifying your details, click on the ‘Continue’ button. 

Step 10: Select your branch and provide all the other required details. 

Step 11: Choose the type of account you want to open and select ‘Continue’.

Step 12: Mention all the details, add a nominee and tap on ‘Proceed’.

Step 13: A bank representative will conduct KYC verification through a video call. Follow the necessary steps for verification.

Step 14: After successful KYC verification, HDFC Bank will review your application for eligibility and activate your bank account.

Upon completion of the above steps, you will receive a welcome kit containing your chequebook, ATM card and PIN at your registered address. Once your account is activated, you will receive a notification via SMS and email. 

How to Open HDFC Bank Account Offline?

Here are the steps you need to follow for an HDFC Bank account opening through the bank branch:

Step 1: Go to your nearest HDFC Bank branch.

Step 2:  Request an application form from the bank authorities and fill it out with accurate details from your documents.

Step 3: Provide the completed form along with the necessary documents at the counter.

Step 4: The bank representative will verify your information and approve your application.

Once approved, the bank will activate your account, and you will receive a notification via email and phone. Additionally, you will get a welcome kit that includes your ATM card, chequebook and other booklets.

HDFC Bank Salary Account

An HDFC salary account is a type of savings account offered by HDFC Bank in India specifically for receiving your monthly salary. It acts like a regular savings account but often comes with additional benefits, such as:

  • Zero balance requirement: You don't need to maintain a minimum balance in your account to avoid charges.
  • Free debit card with offers: You'll generally get a free debit card with your salary account, which may come with cashback rewards, discounts on shopping platforms, etc.
  • Free internet banking and mobile banking: You can conveniently manage your account online or through the HDFC Bank mobile app.
  • Other Additional Benefits: Some salary accounts may offer additional benefits, such as free accidental death insurance and discounts on loan processing fees.

How to Open an HDFC Bank Salary Account?

There are two ways for HDFC Salary Account opening, i.e., either through your employer or online through the HDFC Bank website.

1) Steps to Open HDFC Salary Account Through Your Employer

This is the most common method. If your company has a salary account tie-up with HDFC Bank, your HR department will handle the account opening process for you. They'll provide you with the necessary forms and guide you through the steps.

2) Steps to Open HDFC Salary Account Online

Follow the steps mentioned below to know the online process for HDFC salary account opening:

Step 1: Go to the HDFC Bank website

Step 2: Under the ‘Save’ option, select ‘Salary Account’.

Step 3: Click on the ‘Open Instantly’ option.

Step 4: Provide your Aadhar-linked mobile number and date of birth. Click on the ‘Start Now’ button.

Step 5: On the next page, mention your full name and tap on ‘Get OTP’. 

Step 6: Enter the OTP received on your mobile number and click on ‘Submit OTP’.

Step 7: After filling in all requested details and the KYC documents, submit the form.

Step 8: A bank representative will conduct KYC verification through a video call. Follow the necessary steps for verification.

Step 9: After successful KYC verification, HDFC Bank will review your application for eligibility and activate your bank account.

Step 10: Upon completion of the above steps, you will receive a welcome kit containing your chequebook, ATM card and PIN at your registered address. Once your HDFC salary account is activated, you will receive a notification via SMS and email. 

HDFC Account Opening Charges

All Savings accounts, excluding those opened digitally/online, has to be opened with an initial amount equivalent to the monthly balance requirement. This can vary depending on the types of HDFC savings accounts.

The following table mentions the charges required to open HDFC bank account :

HDFB Bank Account Opening Charges

Type of Service 

Charges Imposed 

Debit Card Issuance

₹100 - ₹150

Issuance of Passbook

Free

Issuance of duplicate passbook

₹100 (₹90 for senior citizen)

Account closure

Till 14 days - free

15 days to 1 year - ₹500 (₹300 for senior citizens)

More than 1 year - free

Issuance of subsequent chequebooks

₹4 per cheque leaf

Benefits of Opening an HDFC Bank Account

Here are some key benefits you can enjoy after completing the HDFC Bank account opening  procedure:

  • Earn competitive interest rates of up to 3.50% for balances above ₹50 lakh and 3.00% for balances below, promoting savings growth.
  • Access HDFC net banking and mobile banking facilities to manage your account, transfer funds, and avail yourself of various services from anywhere, ensuring convenience and efficiency.
  • With just one bank account, you can enjoy a range of services, including health, investment, and everyday banking solutions.
  • Eligible account holders may receive an annual locker fee discount of up to 30% based on the type of bank account they hold.
  • Receive account statements via email on a monthly basis for easy tracking of your transactions.

Opt for the HDFC Sweep-in FD to automatically move surplus funds above a certain threshold to a higher-interest slab, maximising returns on your savings.

Customer Care Number for HDFC Account Opening

In case you encounter any problem with your banking experience at HDFC Bank, you can contact them in your chosen language through the following customer support numbers:

HDFC Bank Customer Care Number for Account Opening

HDFC Bank customer care phone number

18001600

18002600

HDFC Bank customer care email ID

[email protected]

Now that you are accustomed to the HDFC account opening process, you can enjoy seamless banking services for all your financial needs. Whether you choose to open an account online or offline, HDFC Bank offers competitive interest rates and a wide range of benefits to enhance your banking experience. 

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