HDFC is a leading bank ion private sector. has a good growth rate and charges a premium on its housing loan. but my experiences with the bank has not been satisfactorily. I opened my account with bank 2 years back when I came to pune . that was my first encounter with the bank. and it was’t good. I was promised that it will take a week for my account to be opened and being operational. but it took around a month and three days so the begining wa bad. even afterwards the services at FC road branch were not good. a breach is a picture of tha whole bank when it comes to services. the staff is not professional enough and it always took more then the required time for something to be done.in the end I closed my account.
one of the main shortcomings which faced was that the bank don’t allow third party transactions meaning that nobody else can deposit money into your account it makes you the sole operator of the account. moreover the charges for draft etc. are higher then other.
i won’t say the bank is entirely bad may my experiences are only bad and was an isolated incident but on basis os my experience I won’t recommend that bank.
charges for everything are higher then other banks.
ATM service is ok but I think ATM’s of HSBC and ICICI offer more facilities.
i just want you to beware and check for other alternatives before you go to that bank.