Those who had taken loans from HDFC Bank.Please keep in mind that even a single cheque bounce would result you in having no loans from other banks in future.
Even if you had settled your loan amount in full, they would always point out the single cheque bounce and deprive you from availing any through their mails sent to cibil.
So if you ever had any cheque bounce before and still the loan is running…. my suggestion could be “just dont pay them. Even if you do so it is as good as not paying them.”