I opened an account in hdfc bank starting one or two months it was all okay but after then small amount was always deducted from my account and when I complain to hdfc they replied it is atm charges statement charges sms charges once in year.
And it will never get repeated and after that I took 2 wheeler loan from hdfc oh my god they dedect amount before my loan date always and if in my account there is no balance they do not inform me at all and fine me for not paying loan amount and I have to pay penalty which is always more than 400 rs its true so please dont take loan from such banks where people are not guided well.