Housing Development Finance Corporation Limited, more commonly known as HDFC, is one of the leading private sector banks in India. As a financial institution, it received approval from the Reserve Bank of India (RBI) to set up a bank in the private sector in 1994 under the name of HDFC Private Limited. Over the years it has grown to have 6,449 branches and 18,868 ATMs in 3,226 cities and towns across India (As of June 30, 2022). Serving a huge customer base, HDFC places importance on its core values of Excellence, Customer Focus, Product Leadership, People, and Sustainability. It means it gives the utmost care to every business service, be it as simple as providing customers with HDFC mini statement and HDFC bank balance enquiry number, or as complex as foreign exchange and derivatives.
Adapting to changing times, HDFC Bank Limited has developed a highly automated banking system, relying on information technology and smart communication. Customers can access the services of HDFC across branches because of online connectivity of all its branches. If an HDFC account holder needs to get his or her HDFC mini statement, he or she can easily get it from any branch in any city across India. Because of this interconnectivity, customers can also get speedy transfers of funds. This is possible as HDFC employs world class technology. The corporate banking business of HDFC is powered Flexcube, and the retail banking business is powered Finware. Both Flexcube and Finware are incredible banking softwares developed i-Flex Solutions Ltd to help banks run their day-to-day operations.
Following the core values, HFDC has invested substantially in the best technology available to provide world class banking solutions to customers. Customers are serviced through several delivery channels, making it super easy and convenient to bank with HDFC. One can avail banking services round the clock, anywhere, while on the move, while at home, in person at a branch, or at an ATM. HDFC’s ATM network can be accessed all types of domestic and international cards. Further, being a clearing bank as well as a settlement bank to leading stock exchanges like BSE and NSE, HDFC has branches in places where there is a strong member base.
The above being said, if you have an account at HDFC, or if you want to open an account at HDFC, it will be extremely useful to know the various ways you can bank with HDFC to make your banking life hassle free and easy. They are mentioned as follows:
Mobile Banking
The MobileBanking Apps HDFC are custom designed according to each operating system, enabling customers to transact without worry from different phones and tablets. The security system of mobile banking is parallel to that of HDFC Net Banking. Customer data is safe as no account information is stored in the device or sim card. Customers can access the app with their customer ID and IPIN. If an IPIN is entered incorrectly 5 times, HDFC will block the usage of the PIN.
From one single app, customers can view their HDFC mini statement, make instant transfers, automate bill payments, recharge phone numbers, manage their DEMAT portfolio, and much more. One can even open and account instantly through the HDFC MobileBanking App.
WhatsApp Banking
Chat Banking on WhatsApp has become the easy go-to method for banking, as almost every individual in India has a WhatsApp number. There is 24×7 assistance provided with secured end-to-end encryption. Over 90 transactions and services like HDFC mini statement, balance enquiry, etc are avail with just a tap.
Registration is a pretty simple process for all, be it an account holder, credit card customer, or loan customer. One needs to save the number 70700 22222 and then send a WhatsApp message “Hi”. Then one needs to input the last 4 digits of the Debit Card or Customer ID (for the account holder), the last 4 digits of the Credit Card (for credit card customer), or the last 4 digits of the Loan Account Number (for Loan Account holder). A one-time password (OTP) is sent to the registered mobile number which is to be entered as a final step for registering for WhatsApp Banking.
Online Banking
HDFC Bank provides online solutions for transactions without the need of going to the bank physically. The highest level of security is maintained to enable safe and tension-free banking from the comfort of home or while on the go. The online banking services of HDFC Bank include NetBanking, Credit Card NetBanking, Email Statements, Loan Account Online tracking, and Cardless Cash services at identified ATMs.
In-Person Banking
As mentioned at the beginning of the article, HDFC Bank has a wide network of branches and ATMs that one can get access to in-person to solve their banking needs. HDFC Bank also has a wide network of more than 1800 Cash Deposit Machines (CDMs) which allows customers to change pins, withdraw cash, request HDFC cheque books, HDFC account balances, HDFC mini statements, and more.
Phone Banking
HDFC provides ‘Call Us’ phone banking. Customers can access their account making a call, through a MobileBanking app or via their mobile browser. Operating one’s account, viewing HDFC mini statement and account balances, requesting cheque books, reporting stolen or lost card, etc are all just a call away. The ‘InstaAlerts’ service lets one get notifications of real time transactions so that one stays informed. HDFC bank balance enquiry number through SMS or missed call is extremely useful to get an instant view of your account balance and check for unauthorised transactions.
Watch Banking
Available exclusively on an Apple Watch, Watch Banking helps one to access his or her bank account, locate an ATM, recharge prepaid mobile, and more with a flick of his or her wrist.
Social Media Banking
This service can be used anyone, whether he is an account holder or not. To use this, you need to open your Facebook Messenger, find ‘HDFC Bank OnChat’, and say ‘Hi’. This service also helps you recharge your mobile, book cabs, etc.
From the above, we see that HDFC Bank provides customers with banking services 24×7. HDFC is truly a leading private sector bank that provides world class banking at your fingertips.
Call us on 1800 202 6161 / 1860 267 6161 (accessible across India). Customers travelling abroad can reach us on +9122 61606160