I have a horrible experiance with hdfc. I had purchased a duplex in vastu vihar and needed a housing loan of 4 lac only rest I had paid from my saving . One execeutive of hdfc life name amarjeet came to me and said that if will purchase one life insurance policy and open an saving account with his so called brothor abhishek he will get the loan sanctioned in 14 days . since I had my own house in patna and I was working in patna . I did both . I purchased a hdfc life policy for a yearly premium of 15000 and opened an account by paying 10200. I said fine I handeded over a cheque for 15000 and said that it should be deposited only when my loan gets sanctioned . but to my surprise three four days later I got a sms that 15000 has been deducted from my account. When I contacted amarjeet he said that he had to acheive the target for that month so he deposited but he will get my loan sanctioned .
In this way I spent around 27000 which I had to give to the builder . then I got my cust id 39945908. Since then I have been struggling to get that loan sanctioned for last nine months. No one has ever visited neither my house nor my office . When I complain online regarding this fraud they said that they will look into the matter. Nothing has happened . Now SBI is not sanctioning the loan since I had very few transaction in between this period. If I visit home loan department they said you file itr that is ok . You have your house OK . But the company where you are working is not registerd hence they can not sanction loan. I think this is not my fault if my company is registered or not in banks database . If you feel that HDFC will give you good service just forget it. They will give you what is needed to fulfill there target. Even I had requested to sanction a loan of 1.5 lac they were unable to sanction for a cusomer who is having account with more than 9 months.
This is my true experience . Never go for any product of HDFC. you will be cheated.