HDFC Bank Reviews 

If you are a NRI - please do not use this bank.

Coupled with poor customer supoort, they keep changing their website configuration. Makes it hard everytime.
On the pretext of security they have gone the extra mile to screw older customers.
When you call the local branch manager in India - he responds at 3 AM my time - no respect for anything.

Mne personal loan k liya apply Kiya tha bhoot frustrated service ha .....jis documents ki need tak nhi wo document provide karune k baad bhi bhoot long time tak koi loan nhi hota... Objection pe objection lagta hai and juth bolta h loan karne sa phale very short amount provided karuta hai

HDFC bank is worst than any govt bank. I raised a complaint on march 13, 2026 as I was not able to withdraw cash or do online transaction and the customer rep told me that the complaint will solved by April 6, 2026. Like seriously you need 23 days to resolve a complaint

Customer dealing is worst at Mandakini Enclave branch,NRI Colony,G.k-4,New Delhi-110019

This is the worst bank. They have unnecessary hidden charges, and penalties keep getting deducted on one pretext or another. I was trying to pay my credit card bill, but they blocked all payment options. Then the next month, they increased my ₹6,000 bill to over ₹11,000 and charged it. Apart from this, they keep deducting money from my savings account as well. Truly the worst bank.

Worst online banking site. Better to close the online banking.

This bank is a complete scam especially NRE/NRO along with DEMAT account. They take advantage of the ignorant NRI customer and steal the money. The staff are completely scammers providing false information. Went back to ICICI. Please avoid HDFC as much as you can.

Worst performance and costomer care contact manjula response very poor 20 days ah following no reply very very poor

My account has been blocked for two months for no reason. Whenever I call and ask, they reply that it will be fixed within two days. very bad experience to me in Guruvayur branch Kerala. I am in a situation where I cannot use my money.
A/c No. 50200088620900, IFSE:HDFC0001233,
Guruvayur-680101,Kerala

If I could give HDFC negative stars I would. Unhelpful staff, no solution to any of your problems. Sucking money through people's misery. Unhelpful through and through.

I recently received an HDFC credit card, but I am unable to use it because the bank requires the PayZapp app to access or manage the card. Unfortunately, the PayZapp app is not compatible with my device, and there is no alternative way to access or activate the card.

This situation is extremely frustrating because HDFC performed a hard inquiry on my credit report and issued the card, but I cannot use it due to their app restrictions. A banking product should not be limited to a single mobile app, especially when the app does not support many devices.

Customers should have alternative options such as web access, customer service activation, or other secure methods to manage their credit cards.

I request HDFC to provide an alternative way to access and use the credit card or remove the inquiry and card record from my credit history if the service cannot be used.

This experience has been very disappointing and needs immediate resolution.
Anmol chugh
9803715333

Bakwas bank ambala city branch ...3 month se a.t.m ni diya mujhe..
Na e check books di...
Bekar bank

I would like to share my feedback regarding my recent experience with HDFC Home Loan.

Unfortunately, the overall process was very slow and frustrating. The review stage took more than one and a half months, causing unnecessary delays for my property transaction.

Even though I provided all required documents to the London HDFC team, the review team repeatedly asked for the same documents, instead of coordinating directly with the London team. This resulted in repeated back-and-forth communication and wasted a significant amount of time.

One of the main concerns was that queries were raised almost every week, instead of reviewing the application thoroughly and providing all queries in one go. This compounded the delays and added unnecessary stress.

In my opinion, the review process could be improved with better coordination and more efficient document checking. It would also be helpful if the review team received additional training to ensure applications are assessed more efficiently and queries are consolidated, rather than being raised one by one over several weeks.

I have always believed that HDFC is one of the most reputable and professional banks, which is why this experience was quite disappointing.

However, I would like to acknowledge that Mr. Jinay Patel, Branch Manager at the Nadiad Branch in Gujarat, India, was extremely helpful and supportive throughout the process, and his assistance was greatly appreciated.

I hope this feedback helps improve the home loan review process for future applicants.

NRE/ NRO - Account KYC

Terrible experience updating KYC, Toll free numbers and emails are all wrong and they absolutely dont care. They keep sending automated response and problem is still not resolved.

My experience with HDFC Bank as an existing home loan customer has been extremely disappointing and raises serious concerns about the bank’s fairness toward long-standing borrowers.
Despite maintaining a clean repayment record and demonstrating responsible financial conduct over the years, the bank continues to charge me 7.55% interest, while at the same time offering significantly lower rates around 7.15% to new borrowers in the market.
This kind of differential treatment sends a very troubling message — loyal existing customers appear to be treated as captive borrowers, while attractive rates are selectively offered only to new customers to expand business.
I personally approached the branch and also raised the matter with bank officials requesting a rational review of the interest rate. However, the response has been extremely rigid and mechanical, simply stating that the system shows this as the “lowest available rate” without providing any transparent justification.
Such responses only reinforce the perception that the bank prefers system excuses over genuine customer service. For an institution of this scale, this approach reflects poorly on its commitment to fairness and transparency.
If established customers with good repayment history are denied the same competitive rates available in the market, it effectively punishes loyalty and forces customers to consider moving their loans elsewhere.
Unless this matter is addressed in a fair and transparent manner, I will be compelled to escalate the issue with the Reserve Bank of India under the RBI Ombudsman Scheme, and also examine legal remedies through the National Consumer Disputes Redressal Commission for unfair and discriminatory practices.
I sincerely hope the bank reflects on how such policies damage customer trust and reputation.

Weast response ,very bad behaviour,no service for middle class man,

tried to contact the toll-free customer care because an extra EMI was deducted from my account. I waited and tried connecting for almost 3 hours, but the call did not go through.

I When I finally got connected, the representative said the issue was related to a home loan. I clearly told them that I do not have a home loan. Instead of helping, they asked me to call again and then disconnected the call.

This was a very frustrating experience. The customer service was not helpful, and resolving such issues should not take this much effort

If you walk into a bank at 4:00 PM to encash a cheque, you're told the counter closed at 3:30 PM and to 'come back tomorrow.' Meanwhile, nationalized banks like PNB and SBI manage to keep their counters running until 4:00 PM. It seems the definition of 'banking hours' is purely a matter of which door you walk through!"

Bhot ghatiya bank h mobile no.. update karne ke liye 10 baar bulye h usme bhi kaam nhi hua iske karn meko account bnd karna pad rha h very bad experience durg branch reall very bad experience kaam chhod ke 10 baar gyi bank but kaam nhi hua plus boli thi HDFC ki dusri branch jo mera near h waha karwa do to wo bhi possible nhi h bolte h to kya possible h public ko bewakoof bnana

Actually I can't even give one star for the terrible banking sevice that HDFC Bank has provided me. They blocked my account that had more than 27 lakhs of balance without intimating me. And I am a preferred customer of HDFC. What more great service can you expect. Worse than third class. Terrible harassment and need to be taken to court