This year, educational trust Prakash Sanstha in Varanasi took a giant leap forward by adopting online payments. The trust was established nearly three decades ago by Sanjay Mishra's family. It offers education in subjects like Sanskrit and the rich history of Varanasi to children of non-resident Indians and foreigners visiting the holy city.

Now with 50% of the payments being made online, teachers no longer need to ask students for fees, making the process smoother and more professional.

It is because they have gone so much ahead in payments, as HDFC Bank's Net Banking has actually transformed the banking experience. HDFC Bank's Net Banking is available 24/7, which allows managing accounts, checking balances, transferring funds, and even buying insurance online. Just like Prakash Sanstha simplified payments for students, HDFC Bank ensures ease of managing banking needs at the customer's convenience.

The bank's mission focuses on customer care, operational efficiency, and innovation to ensure that it offers a seamless experience. Like Prakash Sanstha, HDFC Bank believes in embracing technology to make life simpler and more efficient for everyone.

What is HDFC Bank?

HDFC Bank, with $145 billion as a market capitalization, happens to be India's largest private bank and the world's 10th-largest bank at market value at 2024. This stands to position itself third from the top on the scale of stock markets in India.

It was founded in 1994 and expanded through significant mergers, like acquiring Times Bank in 2000 and Centurion Bank of Punjab in 2008. HDFC Bank is "too big to fail" for the RBI. In 2021, the bank continued to plan to gain equity in Ferbine, whose sponsor is Tata Group, an investment towards enhancing India's retail payments infrastructure. It currently runs on 173,000 employees.

Services offered by HDFC Bank Net Banking

Here's the information about HDFC Bank Net Banking services

Service	Description
Account Management	View account statements, transaction history, and balances.
Fund Transfers	Transfer funds using IMPS, RTGS, NEFT, and UPI between accounts.
Bill Payments	Pay credit cards, utility bills, and other bills online. Set up automatic payments and bill alerts.
Investments	Make investments online.
Online Shopping	Shop online using NetBanking.
Travel Ticket Booking	Book travel tickets online.
Fixed Deposit & Recurring Deposit	Open and manage fixed and recurring deposit accounts.
Credit Card Information	Analyze credit card details and transactions.

Benefits of using HDFC Bank Net Banking

HDFC Bank Net Banking provides the customer with several benefits, like

Money Transfer: You can transfer money to your friends or family, as well as pay salaries, maintenance of the society, and even more using NEFT, RTGS, or IMPS.
Bill Payment: Pay utility bills of electricity, gas, water, and DTH, credit card bills, and even recharge your prepaid mobile number.
Online shopping: Use Net Banking to pay bills for clothes, food, travelling, and entertainment.
Loans and credit cards: Apply for loans or credit cards and manage debit cards or credit cards.
Investments: Buy monetary investments like mutual funds, shares, insurance, and FDs.
Account management: monitor, track and control bank account and spends.
Set up automatic payments: Set up automatic bill payments and receive bill alerts.
Download or print statements: Download or print statements for your tax or personal records.
Access your account 24/7: Access your account at any time.

Read More – How to Add a Beneficiary in YONO SBI

How to Open a Zero-Balance HDFC Account?

Here are the documents required to open an HDFC Bank savings account:

Proof of Identity:

Passport
Aadhaar Card
PAN Card
Voter ID Card
Driving License

Proof of Address:

Aadhaar Card
Utility Bills (telephone, electricity, max 2 months old)
Passport or Visa
Ration Card
Bank Statement or Passbook
Voter ID
Rent Agreement
Flat Maintenance Bill

Additional Documents:

Two recent passport-sized photos

Read More – HDFC Bank Savings Account

Eligibility Criteria for Opening Savings Accounts

You must be an Indian resident citizen.
The minimum age to open an account is 18 years; however, savings accounts can also be opened by a parent or parents for minors.
Even foreign nationals who stay in India for more than 180 days are allowed to open a savings account with HDFC Bank.

Open Online Account in HDFC Bank

Here’s the step-by-step process to open an account online

Visit the official website of HDFC Bank.
Click on ‘Save’ 3rd option in the navigation bar.
From the drop-down menu click on ‘Savings account’ under the option Accounts.
On the next page click on ‘OPEN A/C NOW’ on the top right corner of the page.
Enter your UID card linked number and DOB, then click on ‘Get OTP’.
Enter the OTP received on your registered mobile number, then click on ‘Submit OTP’.
On the next page, scroll down a bit and click on ‘Continue’.
Enter your Aadhaar card number and click on ‘Get OTP’.
Enter the OTP received on your registered mobile number, then click on ‘Verify E-Kyc’.
Your details will be automatically fetched from your Aadhaar card.
Recheck the details, then scroll down a bit and click on ‘Continue’.
On the next page, choose your account type, fill in the related details, and click on ‘Proceed’.
Select an account type and click on ‘Continue’.
On the next page, fill in the other details (related to your family and nominee), and click on ‘Proceed’.
Agree to the terms and conditions by clicking on ‘I Agree’.
Complete your video KYC.
The bank will send a welcome kit to your registered address. This kit will include a chequebook, ATM/debit card, and PIN.

Here’s the step-by-step process to open an account offline

Visit the nearest HDFC Bank branch.
Request an application form from the branch and fill in the required details from your documents with the bank staff.
Submit the forms along with the necessary documents to the counter.
Bank staff will verify the information provided and grant the application.
Your account will be activated, and you will get confirmation both through email and SMS.
You will receive a welcome kit containing your ATM card, chequebook, and other necessary documents.

How to register for HDFC Bank Net Banking

Visit the official website of HDFC Bank.
Click on ‘Login’ on the top right corner of the page.
Click on ‘Net Banking’ from the drop-down menu.
On the login page, click on ‘Register Now’ under First Time User.
Enter your customer ID, and click on ‘Continue’.
Enter the IPIN received from the bank and click ‘Continue’.
Verify your mobile number.
Enter the OTP received on your registered mobile number.
Click on the ‘debit card' and fill in the details.
Create your IPIN/password to activate your HDFC Net banking.

To register for Net Banking via ATM card, follow these steps

Visit the nearest HDFC Bank ATM.
Insert your HDFC Bank debit card and enter your ATM PIN.
From the main menu, select ‘Other Options.’
Choose ‘Net Banking Registration’ and click on the ‘Confirm’ button.
Your Net Banking PIN will be sent to you via courier.

How to log into HDFC Bank Net Banking

Visit the official website of HDFC Bank.
Click on ‘Login’ on the top right corner of the page.
Click on ‘Net Banking’ from the drop-down menu.
On the login page, enter your customer ID and click on ‘Continue’.
Enter your HDFC Netbanking password.
You’ve successfully logged into HDFC Bank net banking.

Disclaimer: If you don't remember your USER ID, then call the customer care of HDFC Bank (1800-2600). Or, you can find the message when you register your account in the HDFC Bank. That message will contain your USER ID and password for login.

How to reset the password of HDFC Bank Net Banking?

Visit the official website of HDFC Bank.
Click on ‘Login’ on the top right corner of the page.
Click on ‘Net Banking’ from the drop-down menu.
On the login page, enter your customer ID and click on ‘Continue’.
Select any of the two options:

(a) OTP sent to registered mobile number and email ID,
(b) OTP sent to the registered mobile number and debit card details and click on the ‘Continue’ button.
Enter the mobile number and click ‘Continue’.
Enter the OTP received on your registered mobile number and click on ‘Continue’.
Set your new IPIN or password and ‘Confirm’.

How to transfer funds via HDFC Bank Net Banking?

HDFC Net Banking users can send money to others through NEFT, RTGS, or IMPS services. While making a fund transfer, an individual needs to add a beneficiary, which includes entering the account number and IFSC code, as well as details about the bank and branch names.

Here’s a step-by-step process on how to transfer funds via HDFC net banking

Visit the official website of HDFC Bank.
Log into the HDFC bank net banking (refer to the login steps above if needed).
Click on the ‘Funds Transfer’ option.
Choose the type of transfer:
NEFT: Select "Transfer to other bank" and enter the beneficiary's account or credit card information, including the IFSC code
IMPS: Select "IMPS Funds transfer using account number" and enter the details
RTGS: Real Time Gross Settlement is one of the fastest ways to transfer funds in India, but there is a minimum limit of INR 2 lakhs
Add a new beneficiary to your account.
Enter the recipient's details (account number, name, and bank IFSC code).
Check the details and click on ‘Confirm’ to confirm the transaction.
Wait for the confirmation (via SMS) of your transfer.

How to add Payee in HDFC Bank Net Banking?

Visit the official website of HDFC Bank.
Log into the HDFC bank net banking (refer to the login steps above if needed).
Click on the ‘Funds Transfer’ option.
Click on ‘Add a Beneficiary’.
Select the ‘Transfer to another bank’ option.
Enter the beneficiary's details, including:
Account or credit card number
IFSC code
Branch details
Beneficiary's name
Beneficiary's phone number
Click on the ‘Add’ button.
Confirm it by clicking on the ‘Confirm’ button.
Complete the secure access step and wait for confirmation.

Limits and Charges on transferring funds via HDFC Bank Net Banking

Here are the limits and charges for transferring funds via HDFC Bank Net Banking

Transaction Type	Charges	Limits
NEFT (Online)	Free	No specific limit
NEFT (Offline)	Up to ₹1,00,000: ₹2 + GST
	Above ₹1,00,000: ₹10 + GST
IMPS	₹3.50 to ₹15 depending on the transfer amount	No charge for receiving money
Third-Party Transfers	No specific charge	Default limit: ₹2 lakh; custom limit can range from ₹10,000 to ₹50,00,000
RTGS	No charge specified	Minimum: ₹2 lakh, Maximum: ₹50 lakh
Beneficiary Transfer	No charge specified	First 24 hours after adding a beneficiary: Up to ₹50,000 (in full or in parts)

Some Do’s and Don'ts while using HDFC Bank Net Banking

Do’s for Secure Net Banking

Keep your customer ID and IPIN a secret.
Always enter through HDFC Bank's Official site by giving the URL www.hdfcbank.com.
Do look for the URL that is https://netbanking.hdfcbank.com as well as check at the browser's top left-hand corner to see if a padlock exists there.
The browser settings should disable "Auto Complete".
Always use the virtual keyboard while logging into the NetBanking account.
Always type your confidential account information instead of copying and pasting.
Monitor all your transactions through HDFC Bank's "InstaAlerts" and report any suspicious transactions immediately.
Always log out after using NetBanking.
Never close the browser directly.
From time to time, update your IPIN.

Do's for Safe Net Banking

Never open any information from shared computers or public Wi-Fi connections, like those in cyber cafes, hotels, or airports.
Never write your passwords and share the computer with strangers.
Never give your password, OTPs, debit card number, or CVV to anyone, including bank employees.
Do not act on emails demanding your data.
Do not use easily predictable passwords, including birth dates, names of your spouse, child, etc.
Avoid opening attachments in unsolicited or spam emails and instant messages.

How to check HDFC Bank account balance online

Here are the ways to check HDFC Bank balance in simple procedures

HDFC Bank Balance Check via Missed Call

Dial 1800-270-3333 from your registered mobile. Hang up after the connected call, and you will receive your account balance details.

HDFC Bank Balance Check via SMS

Send the text "bal" to 5676712 from your registered mobile to obtain your account balance through SMS.

HDFC Bank Balance Check via WhatsApp

Send a WhatsApp message to 7065970659 to find out your bank account balance.

How to activate mobile banking in HDFC Bank?

Download the ‘HDFC Bank Mobile Banking App’ from the Google Play Store or Apple Play Store.
Install the application on your device.
Open the app and click on ‘Continue’.
Click on ‘Let’s Begin’.
Verify your mobile number and click on ‘Continue’.
Enter your customer ID and click on ‘Continue’.
Click on ‘Debit Card’.
Enter the debit card details and click on ‘Continue’.
Set your 4-digit PIN for mobile banking and click on ‘Continue’.

Also Read - How to Add Beneficiary in HDFC Bank

Now you can easily log into HDFC Mobile Banking

Download the ‘HDFC Bank Mobile Banking App’ from the Google Play Store or Apple Play Store.
Install the application on your device.
Click on ‘Proceed to Login’.
Enter your MPIN.
Agree to the terms and conditions by clicking on ‘Accept and Continue’.
You’ve successfully logged into HDFC Mobile Banking.

How to avail services through SMS and call

Here's the information on how to avail of different services via SMS and calls

Service	How to Avail
Register for SMS Banking	Text "REGISTER" followed by a space, the last four digits of your customer ID, and a space, then the last four digits of your account number to 7308080808. Alternatively, register at an ATM.
Check Account Balance	Call 1800-270-3333 to receive your balance status via SMS.
Get Mini Statement	Call 1800-270-3355.
Request Cheque Book	Call 1800-270-3366.
Get Credit Card Summary	Call 1800-270-9988.
Get InstaAlerts	Register for InstaAlerts to receive updates on your phone or email about bill due dates, salary credit, and insufficient funds.
Use WhatsApp Banking	Chat with HDFC Bank on WhatsApp at 70-700-222-22.

Conclusion

HDFC Bank's Net Banking is the transformation of the way we manage our finances, just like Prakash Sanstha in Varanasi transformed fee payments. It empowers users like never before with 24/7 access, seamless transactions, bill payments, and easy investments. Whether it is transferring funds, shopping online, or managing accounts, HDFC Bank offers convenience and security at your fingertips.

The idea by Sanjay Mishra illustrates how embracing technology makes things simple. HDFC Bank has taken it one step ahead so that the banking experience for everyone becomes smooth and hassle-free.

FAQs related to HDFC Bank Net Banking

Q1: How many login attempts can be made on HDFC NetBanking?

You have 3 login attempts for your HDFC NetBanking account. In case you have failed to enter the correct credentials three times, then the account gets locked for security reasons. It prevents unauthorized access.

Q2: How many beneficiaries can be added in HDFC NetBanking?

You can add, alter, or delete up to 7 beneficiaries within any 24 hours on HDFC NetBanking. Moreover, if no amount is remitted to a beneficiary for more than 24 months, such a beneficiary will be considered as a new one in all respects.

Q3: How many days will the transfer take to process through NetBanking?

Normally, the beneficiary's bank should receive the transfer amount by the remitting bank immediately. The account of the beneficiary will be credited after receiving funds transfer message by the beneficiary's bank within 30 minutes.

Q4: How many accounts do I have here at HDFC Bank?

Multiple Savings Accounts- HDFC allows you to hold multiple Savings Accounts. There's no limit for the number of accounts you want to open but you should evaluate the purpose or benefits of keeping more than one account.

Q5: What is the daily limit of HDFC UPI transactions?

The HDFC UPI daily limit is ₹100,000 for general transfers. However, the specific transaction can be up to ₹500,000.

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