I have bank accounts in 4 different banks but I have never had as unpleasant an experience as with HDFC. They randomly debit money from my account for various charges. And these are not small amounts. For just having a savings account with a debit card which I hardly used they have debited a total of around six thousand rupees in the last 8 months for whatever they call maintenance and stuff. I think this is how they make money. I would never recommend HDFC bank to anyone. Their lack of transparency makes life difficult.