HDFC Bank is for those who has salaried account otherwise it is not good for normal people.It has high charges for everything from internet banking to sms charges, etc.Also, minimum balance must be rs 10, 000 to avoid non maintenance of min. balance charges.The charges for non maintaining min. balance is around rs 800 which is very high as compared to other banks.
My friend had applied for personal loan from HDFC bank.The processing fees for the loan was 2.5% which is very high and is also non refundable in case you are ineligible for the loan.The interest rate is 15% on personal loan.The prepayment of the loan requires 12 months of EMI to be paid.
ATM availability is and customer care is ok. Well, its a private sector bank so what can you expect.