HDFC is one of the leading private bank in India. Despite being one of the largest bankers in our country, their beneficiary policies and schemes stated or described at the time of opening an account are utterly fallacious and flawed, they simply blabber the invalid and imprecise schemes such as 10 lacs free insurance and also the surcharge wavier on fuel, and also they promise to give 1% cashback on all the online transactions but they never give it. I myself had a corporate account for zero balance. But for maintaining a normal account the account holders must have atleast 25k in their account or else they have to pay a huge fine and coming to the customer service its a huge disaster, they always give falsified information about their schemes and trap customers into the useless policies and later blame the customers. But the good part is that their online banking services are far better than any other banks. Finally its not good for an average indian to have an account in this bank.