I found HDFC Bank unbelievably incompetent. I am a NRI in the US and recently opened accounts (NRE and NRO) with HDFC. But I found the bank so horribly incompetent and lacking in professionalism that I have decided to close it just 1 month after opening it. For starters, they don’t have a US customer service number to call. Once you manage to speak to a rep after making an international call, they seem to lack professionalism and efficiency.
I called today only to find that their f%^&*# systems are down and will be up after about 6 hours. They haven’t been able to send me an IPIN for NetBanking after 6 weeks of follow up. As a result, my money is stuck and I have to take the trouble of closing the account and transfering the money to a bank that has their house in order. I regret having spent the time and effort in signing up with these guys.
I don’t know about how their service is in local branches, but if you’re a NRI and are considering opening NRE/NRO accounts, steer clear of HDFC. Their good conversion rate ain’t worth the crappy service you get. Instead, opt for Citibank (great service, bad conversion rate) or ICICI (good conversion rate).