Hdfc is one of the largest private banking corporation of india. As it is a private bank so it has some strict rules regarding the account . you have to maintain a minimum balance of 10000 in your account, if you didn’t so they will cut some charges as fine . mostly HDFC opens salary account and in salary account there is no nees to maintain minimum balance. The staff members are helping, I opened a salary account in HDFC bank recently and now I am happy with experience. Their internet banking is really cool . I have not used phone banking of HDFC till now but I think it must be good as other services so I will surely recommend to open account in HDFC bank.