HDFC Bank Net Banking: Comprehensive Step by Step Guide
HDFC Bank Net Banking is a banking service that everyone will like to have as it allows customers to perform more than 200 transactions with just a few clicks of buttons. I believe this alone is enough reason why many Indians make HDFC Bank their preferred bank. If you want to know more about HDFC Bank net banking, we are here to guide you.
About HDFC Bank
The full name of HDFC Bank is Housing Development Finance Corporation Bank. The bank was registered as a private bank and obtained the approval of the Reserved Bank of India (RBI) in 1994. The bank renders different financial services to its customers. Such services include retail banking, wholesale banking, and investment banking. Besides, the bank offers insurances services such as Life Insurance, Health and Accident Insurance, Vehicle Insurance, Travel Insurance, Home Insurance, Cyber Insurance, Pay Insurance Premium, and Social Security Schemes.
Over the years, HDFC Bank has established itself as a strong and reliable bank that customers can trust. It has about 5,500 branches spread across over 2,760 cities in India. The number of HDFC ATMs has grown past 16,000 in number.
Ways to Bank with HDFC Bank
If you want to become an HDFC Bank customer, it will interest you to know that there are different ways that customers can use to conduct their banking transactions with the bank and these include Mobile Banking, WhatsApp Banking, Online Banking, In-Person Banking, Phone Banking, Watch Banking, Social Media Banking, and SME Digital.
We may not be able to discuss these various ways of banking with HDFC Bank here, Our focus here now is on Online Banking which is known as HDFC Bank Net Banking.
How to Register for HDFC Bank Net Banking
Registration for HDFC Bank Net Banking is very simple. This can be done seamlessly in four ways namely online registration, through Phone Banking, registration at an HDFC Bank ATM, or Registration at a branch. Customers can choose any method of registration that is suitable for them. Let me guide you further on how each method of HDFC Bank Net Banking works
Online Registration:
- Visit HDFC Bank Net Banking registration page https://netbanking.hdfcbank.com/netbanking/registrationMenu.htm
- Click on “Register for NetBanking by generating a One Time password ( OTP)”
- Enter your customer ID and your mobile phone number to generate an OTP and submit
- Enter the OTP sent to your registered mobile phone number
- Select your debit card and enter the debit card details
- Set your IPIN. This serves as your Password
- You can now login to HDFC Bank Net Banking using your customer ID and new IPIN
Registration Through PhoneBanking
- Call the HDFC PhoneBanking number in your city. Find the customer care phone number to call below.
- Give your Customer ID and Telephone Identification Number (TIN) or HDFC Debit Card and PIN
- HDFC Bank will send your IPIN by courier to your registered address within five days
If you want to register for HDFC Bank Net Banking through PhoneBanking, find the customer care number you can call depending on your city.
| City | Phone Number |
| Ahmedabad | 079 61606161 |
| Bangalore | 080 61606161 |
| Chandigarh | 0172 6160616 |
| Chennai | 044 61606161 |
| Cochin | 0484 6160616 |
| Delhi and NCR | 011 61606161 |
| Gujarat | 079 61606161, 1860 267 6161 |
| Haryana | 011 61606161, 1860 267 6161 |
| Hyderabad | 040 61606161 |
| Indore | 0731 6160616 |
| Jaipur | 0141 6160616 |
| Kerala | 0484 6160616, 1860 267 6161 |
| Kolkata | 033 61606161 |
| Lucknow | 0522 6160616 |
| Madhya Pradesh | 0731 6160616, 1860 267 6161 |
| Maharashtra | 020 61606161, 022 61606161, 1860 267 6161 |
| Mumbai | 022 61606161 |
| Pune | 020 61606161 |
| Rajasthan | 0141 6160616, 1860 267 6161 |
| Tamil Nadu | 044 61606161, 1860 267 6161 |
| Telangana | 040 61606161, 1860 267 6161 |
| Uttar Pradesh | 011 61606161, 0522 6160616, 1860 267 6161 |
| West Bengal | 033 61606161, 1860 267 6161 |
People in Andaman and Nicobar, Andhra Pradesh, Arunachal Pradesh, Assam, Bihar, Chhattisgarh, Dadra and Nagar Haveli, Daman and Diu, Goa
Himachal Pradesh, Jammu and Kashmir, Jharkhand, Karnataka, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Puducherry, Punjab, Sikkim, Tripura, Uttarakhand, and others apart from the cities in the table above should call 1860 267, 6161.
Registration at any HDFC Bank ATM
- Visit an HDFC Bank ATM
- Enter your HDFC Bank Debit Card number and your ATM PIN
- Choose “Other Option” from the main screen
- Choose “NetBanking Registration” and confirm
- HDFC Bank will send your IPIN by courier to your registered address.
If you are registering for HDFC Bank Net Banking at ATM, it is very important that you take these ATM security precautions:
- Ensure you don’t leave keys or other valuables in your car when using an ATM
- Do not give a stranger your bag or purse to hold for you when using an ATM
- Ensure you have your card ready so that you don’t need to start searching your purse or wallet in the public
- Do not ask strangers to help you do the registration
- Ensure that no one is too close to view your PIN
- Remember to take your card after completing the registration
- Make sure you protect your card and PIN
HDFC Bank Net Banking Registration at a Brach
- Visit an HDFC Bank branch to obtain a Netbanking registration form. You can also download the form online.
- Complete the filling of the form and submit it at the HDFC Bank branch.
- HDFC Bank will send your IPIN by courier to you.
HDFC Bank Net Banking Login
After you have registered for HDFC Bank Net Banking and gotten your IPIN, you will need to visit the bank website to log in. On the website, you need to click “Login”. A page will be open where you will enter your Customer ID and Password. Click submit. You will be taken to your HDFC Bank Account online. HDFC Bank Net Banking allows customers to carry out different transactions. Some of these are discussed below:
Features of HDFC Bank Net Banking
- Balance Enquiry
- Transfer Fund (RTGS and RTGS)
- Credit Card Bill Payment
- Fixed/Recurring Deposit Account Opening
- Utility Bill Payment (DTH/Mobile/Electricity)
- Make Investment
- Demat and Loan Against Security Account
- Aahhar Number Update
- Tax Payment
- Viewing Your Tax Credit Statement (Form 26AS)
- Request for Cheque Book, Demand Draft, Debit/Credit Card
- Blocking of Debit/Credit Card
- Regenerate Your IPIN
- IPO Application
- Loan Related Issues: View your loan-related details
Balance Enquiry
At times, there will be a need to check your account balance. It may be that you want to ascertain that certain money you are expecting has been credited to your account or you want to be sure that you have sufficient funds in the account before you make a particular financial commitment. Whatever the reason, checking your account balance is very easy. To check your HDFC Bank account balance, please follow this simple process:
- Visit HDFC website https://www.hdfcbank.com
- Click Login and enter your Username and Password
- Select the “Accounts” tab and click “Accounts Summary”.
- A list of all accounts linked to your username will be displayed
- Choose the bank account that you want to know the balance
- The account balance will be displayed to you.
Funds Transfer
Customers operating HDFC Bank NetBanking can transfer funds between the accounts. Also, they can make transfers to third parties having accounts with HDFC and other parties having accounts with other banks in India. You can make IMPS, NEFT, and RTGS Funds transfers.
What is IMPS?
IMPS connotes Immediate Payment System
HDFC Bank charges customers for outward IMPS transactions only. That is, customers don’t pay charges on inward IMPS transactions. But if you are an Imperia or Preferred customer, you will not pay any charge on IMPS Fund Transfer. This free offer is effective from 15th March 2021. But for others, the following charges apply to outward IMPS transactions:
- 0 – 1000 Rupees: Rs 3.50 plus applicable GST
- 1001 – 100000 Rupees: Rs 5 plus applicable GST
- Above 100000 Rupees Rs 15 plus applicable GST
IMPS Transaction Limits
IMPS transaction limits vary depending on the channel you want to use to make the transfer. However, the following transfer limits apply:
- IMPS Using Account Number: The maximum transfer amount per transaction is Rs 2 lakhs. The maximum transfer amount in a day is as per the customer’s TPT limits
- IMPS Using MMID: For people using HDFC Bank NetBanking and MobileBanking to make the transfer, the maximum limit is Rs 5000 per day per Customer ID> Please note that the Rs 5000 limit is on transactions from either of the channels and not from both HDFC Bank NetBanking and MobileBanking.
- IMPS using USSD: Maximum limit of Rs. 1000 each if IMPS using MMID and IMPS using Account number respectively.
IMPS is available 24/7 every day.
What is the difference between NEFT and RTGS Funds transfers?
Both NEFT and RTGS Funds transfers are electronic payment systems that customers can use to transfer funds to any part of India. The main difference between the two is that while NEFT works on ‘net settlement’, RTGS works on ‘gross settlement’. RTGS is faster because the transfer of funds from one bank to the other takes place on a real-time basis. That is, transactions are settled immediately they are finalized. On the other hand, NEFT fund transfers are processed in batches. Any fund transfer that is initiated after a designated settlement time will be deferred to the next designated settlement time.
RTGS Fund Transfer Charges
With effect from 15 November 2010, the following charges apply to RTGS transactions on HDFC bank Netbanking:
- Transfer amount from Rs. 2 lac to Rs. 5 lac, charges of Rs. 25 (inclusive of taxes) per transaction
- Transfer amount above Rs. 5 lac, charges of Rs. 50 (inclusive of taxes) per transaction
Note: effective 1st November 2017, RTGS funds transfer done online are free while transfer charges of Rs 15 plus applicable GST applies to RTGS from HDFC Bank Branches.
RTGS is available 24/7 except between 11.30 pm and 00.30 am due to cut-off.
RTGS Transfer Limits
RTGS transfers are for the amount of more than Rs. 2,00,000 while the maximum amount of funds that a customer can transfer per day is as per the customer’s TPT limit (Maximum up to 50 Lakh)
NEFT Fund Transfer Charges
Charges applicable to NEFT transactions on HDFC bank Netbanking are as follows:
- Transfer up to Rs. 1,00,000, charges of Rs. 2 plus applicable GST
- Transfer above Rs. 1,00,000, charges of Rs. 10 plus applicable GST
Please note that all charges are subject to changes. Therefore, it is good to always confirm the existing charges.
NEFT Transfer Limits
If you are making NEFT funds transfer, you need to take note of the following transfer limits:
- Transfers from 7 am to 7 pm on RBI working day: The maximum amount of funds that a customer can transfer per day is as per the customer’s TPT limit, subject to the maximum of ‘Rs. 50 Lakhs.
- Transfers from 7 pm to 7 am on working days and all holidays(also include 2nd and 4th Saturdays and Sundays): Customers can transfer a maximum of Rs.2.00 lacs per transaction subject to the TPT limit. Multiples of Rs. 2 Lacs up to the customer’s TPT limit. Maximum up to Rs. 50 Lakh.
- Addition of New Beneficiary(Online): While a customer is adding a new beneficiary, he can make transaction of a maximum of Rs.50,000/- (in full or parts inclusive of failed attempt) during the first twenty-four hours.
NEFT Transfer is available 24/7 throughout the year. But remember that settlement to the beneficiary is done based on RBI batches.
How to Make Transfer to a Third Party
Before you can send money to an account of a third party, you will need to provide few essential details which include the following:
- Name of the beneficiary customer
- Account number of the beneficiary customer
- Bank of the beneficiary customer
- Amount to be transferred
- Account number to be debited
- Sender to receiver information (if any)
- The IFSC code of the receiving branch
Credit Card Bill Payment
With HDFC Bank NetBanking, you can pay any credit card bills through your account online. To do this, you must ensure that your card is linked to your account. How do you link your card to your HDFC Bank Account? It is simple, just follow the simple process
- Visit https://www.hdfcbank.com and click Login
- Enter your HDFC NetBanking ID and Password
- Select the “Credit Cards” tab
- Click on the “Register New Card” link
- Enter your Card details (Card number, expiry date, ATM PIN) and click “Submit”.
Once you have linked your credit card to your HDFC Bank Netbanking account, you can now pay your credit card bills. The process is as follows:
- Visit https://www.hdfcbank.com and click Login
- Enter your HDFC NetBanking ID and Password
- Select the “Credit Cards” tab
- Click on the Transact option and select your registered credit card
- Choose a payment option
- Click on “Confirm” to complete the transaction.
How to Register for Credit Card Autopay
To register for Credit Card Autopay with HDFC Netbanking, you will need to follow this process
- Visit HDFC bank’s website and login to NetBanking with your Customer ID and IPIN
- Click the Cards tab
- Select Autopay Register from the Request option on the left side
- Choose the Credit Card number that you want to register for the Credit Card Autopay facility and your HDFC Bank account from which the Credit Card payment will be made.
- Select “Pay total Due” if you want to pay the full amount of your statement. Select the “Minimum Amount Due” if you want to pay only the minimum amount due.
- Then click continue and then confirm
A message confirming the successful registration of your credit card autopay will be displayed on your screen. It will take seven days to activate the Credit Card Autopay facility. Therefore, if you’re your credit card payment due date is seven days or less, away from the Autopay registration date, you will need to pay your monthly credit card bill through your usual payment mode. The Autopay will take effect from the next billing cycle.
DigiDemat Account
If you have been planning to open an investment account, HDFC Bank Netbanking provides customers a good platform to start an investment journey. If you have an account with HDFC Bank, you can open a Demat and Trading Account online from the comfort of your home. It is paperless and fast. Good enough, you can start trading immediately.
Through your HDFC Bank Netbanking Account, you can access your investments and statements at any time. With just one account, you can hold multiple investments portfolios comprising Equity, Initial Public Offer (IPO), Bonds, Mutual Funds, Sovereign Gold Bonds, Exchange Traded Funds, and Non-Convertible Debenture, etc.
One important benefit of linking your investment to your HDFC Bank Net banking Account is that you can easily receive your dividends, proceeds on sales, interest, and any other form of returns directly into your account. If you have your Demat Portfolio elsewhere, it will interest you to know that HDFC allows its customers to transfer their Demat Portfolio to them at no extra charge.
For customers that may want to access Digital Loan Against Security (LAS) or Loan Against Mutual Funds (LAMF), they can easily pledge their investment as securities. This will give them quick access to funds which they can use to meet their pressing needs.
Block your HDFC Bank Debit Card Online
In case your HDFC Bank debit card is lost or stolen, you can quickly block the card online. How do you block your debit card? Just follow the steps highlighted below:
- Visit https://www.hdfcbank.com and click Login
- Enter your HDFC NetBanking ID and Password
- Select the “New Debit Card” tab
- Click on the Debit Card hot listing link. All cards that are linked to your account will be displayed.
- Choose the Debit card that you want to block
- Specify the reasons why you want to block the card
- Click “Confirm”
- The card will be blocked and you will receive a confirmation to that effect.
Utility Bill Payment
HDFC Bank NetBanking provides customers with a convenient and hassle-free way to pay their utility bills. Interestingly, customers can pay for more than 250 billing merchants online. Customers can also give standing instructions to pay bills that are recurring so that they don’t miss their due dates. You will only need to add the biller once and you can be receiving bills in your account.
Examples of utility bill payments include electricity, gas, landline phone, water, and post-paid mobile. Other recurring bills include insurance premium, subscription, HDFC Bank Credit Card Bill, other banks credit card bill, mutual fund installment, club membership, and rent payment, etc.
How to Pay Tax Using HDFC NetBanking
If you have calculated how much tax you will pay, you can actually pay your personal income tax through HDFC Bank. To pay your tax online, kindly follow this procedure:
- Complete your income tax returns online here
- Select Challan No 280 from the list of Challans on the next page
- Select “Other Than Company” (if you are filing as an individual)
- Enter details of your PAN Card, Address, Email Addresses, Mobile Phone Number, and Assessment Year, and then click Proceed
- Select the self-assessment tax in the Tax Payable Option
- Select HDFC Bank from the list of banks
- Click “Proceed”
- You will be redirected to the HDFC Bank Net Banking login page
- Login to HDFC NetBanking with your Username and IPIN
- Enter your calculated income tax amount and surcharge or cess (if any). The system will recalculate your total tax automatically.
- Click “Pay”.
- You will receive Challan Identification Number (CIN). You need to save it as will need to provide it when filing your tax returns. Your Challan Identification Number (CIN) can be recovered from HDFC Bank for up to 90 days.
Regenerate Your IPIN
You can easily regenerate your HDFC Bank Net Banking IPIN (Password) online. You can do this by providing OTP which the bank sent to your registered mobile phone number and your Debit Card details. Alternatively, you can provide OTP which the bank sent to your registered mobile phone number and your email address. The second option is applicable for second citizen customers.
To be more precise, if you want to regenerate your password, you will need to log in to your HDFC Bank Netbanking, Enter your Customer ID, and then click on Forgot IPIN. You can then follow the procedure as will be displayed. For an authenticated request to regenerate your Customer ID, you will need to provide your registered mobile phone number, date of birth, and your PAN details. OTP will be sent to your registered phone number. You need to enter the OTP sent to you. Then, your HDFC Bank Netbanking Customer ID will be displayed to you. You can also find your HDFC Bank Net Banking Customer ID in your cheque book, account statements, welcome kit, and passbook.
Benefits of HDFC Bank Net Banking
- Customers do not pay any charges to sign up for HDFC Bank NetBanking. Simply put, it provides additional benefits at no extra costs.
- It is convenient: Customers can easily perform their banking transactions at any time without stepping to HDFC bank branch
- It is safe: HDFC provides extra security solutions to ensure that customers stay safe with Secure Access. Customers’ interactions on NetBanking are protected with 128-bit SSL (Secure Socket Layer) encryption which is the highest level of security.
- Cheque Book or Demand Draft Not Necessary: You can operate the account without a cheque book.
- It is fast: Transfer to other accounts can be done in a jiffy.
- Online access to bank statements: Apart from the fact that customers can easily check their bank account balance, they can also generate their bank statements to check through their transaction history. With this, errors or unauthorized debits can easily be discovered.
Security Tips for HDFC Bank NetBanking
It is true that HDFC Bank NetBanking is safe and convenient. Nevertheless, you need to take certain precautions so as to be sure that you don’t fall victim to fraud. Below are some of the security tips you can apply:
- Don’t continue to use the IPIN that is sent to you. You should change it immediately. Use strong IPIN and ensure that you don’t disclose your Customer ID and IPIN to anybody. Don’t hesitate to change your password if you think that it has been exposed. Don’t write down your IPIN anywhere. Ensure you memorize it.
- Don’t access your HDFC Bank NetBanking Account using public networks or computers.
- Type https://www.hdfcbank.com on your browser to access the HDFC bank website instead of clicking a link. Clicking on a link may redirect you to a page you didn’t intend to visit.
- If you visit the HDFC Bank’s website, watch out for the Padlock symbol and HTTPS before the URL. If these two are not present, you may be visiting a phishing website.
- Don’t allow your browser to remember your Username and IPIN
- Login to your HDFC Bank Net Banking regularly to view your login and transactions history
- Make use of HDFC Bank’s “InstaAlerts” service and ensure that suspected fraudulent transactions are reported immediately.
- Remember to always log out after completing your transactions or you want to leave your laptop/computer.
Browser Requirement for HDFC NetBanking and Website Access
If you are HDFC NetBanking, you need to have a browser that can give you seamless access to the bank’s website and NetBanking login page. You are not actually restricted to a particular browser but you just need to be sure that the browser version you use to access the website is Internet Explorer 7+, Firefox 3.5+, Chrome 3+, or Safari 5.0+
On the other hand, to access HDFC NetBanking, you need Internet Explorer 9+, Chrome 49+, or Safari 6.0.4+
If the version of your browser is less than the ones specified above, you may need to upgrade.