The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from

the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI's liberalisation of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995.

HDFC is India's premier housing finance company and enjoys an impeccable track record in India as well as in international markets. Since its inception in 1977, the Corporation has maintained a consistent and healthy growth in its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has developed significant expertise in retail mortgage loans to different market segments and also has a large corporate client base for its housing related credit facilities. With its experience in the financial markets, a strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian environment.

HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer segments, and to achieve healthy growth in profitability, consistent with the bank's risk appetite. HDFC Bank's business philosophy is based on four core values - Operational Excellence, Customer Focus, Product Leadership and People. Capital Structure As on 30th June, 2010 the authorized share capital of the Bank is Rs. 550 crore. The paid-up capital as on said date is Rs. 459,69,07,030/- (45,96,90,703 equity shares of Rs. 10/- each). The HDFC Group holds 23.63 % of the Bank's equity and about 17.05 % of the equity is held by the

ADS Depository (in respect of the bank's American Depository Shares (ADS) Issue). 27.45% of the equity is held by Foreign Institutional Investors (FIIs) and the Bank has about 4,33,078 shareholders. The shares are listed on the Bombay Stock Exchange Limited and The National Stock Exchange of India Limited. The Bank's American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) under the symbol 'HDB' and the Bank's Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange under ISIN No US40415F2002.

On May 23, 2008, the amalgamation of Centurion Bank of Punjab with HDFC Bank was formally approved by Reserve Bank of India to complete the statutory and regulatory approval process. As per the scheme of amalgamation, shareholders of CBoP received 1 share of HDFC Bank for every 29 shares of CBoP. The merged entity will have a strong deposit base of around Rs. 1,22,000 crore and net advances of around Rs. 89,000 crore. The balance sheet size of the combined entity would be over Rs. 1,63,000 crore. The amalgamation added significant value to HDFC Bank in terms of increased branch network, geographic reach, and customer base, and a bigger pool of skilled manpower. In a milestone transaction in the Indian banking industry, Times Bank Limited (another new private sector bank promoted by Bennett, Coleman & Co. / Times Group) was merged with HDFC Bank Ltd., effective February 26, 2000. This was the first merger of two private banks in the New Generation Private Sector Banks. As per the scheme of amalgamation approved by the shareholders of both banks and the Reserve Bank of India, shareholders of Times Bank received 1 share of HDFC Bank for every 5.75 shares of Times Bank.

HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of 1,725 branches spread in 780 cities across India.All branches are linked on an online real-time basis. Customers in over 500 locations are also serviced through Telephone Banking. The Bank's expansion plans take into account the need to have a presence in all major industrial and commercial centres where its corporate customers are located as well as the need to build a

strong retail customer base for both deposits and loan products. Being a clearing/settlement bank to various leading stock exchanges, the Bank has branches in the centres where the NSE/BSE have a strong and active member base. The Bank also has 4,393 networked ATMs across these cities. Moreover, HDFC Bank's ATM network can be accessed by all domestic and international Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American Express Credit/Charge cardholders.

Mr. C.M. Vasudev has been appointed as the Chairman of the Bank with effect from 6th July 2010 subject to the approval of the Reserve Bank of India and the shareholders. Mr. Vasudev has been a Director of the Bank since October 2006. A retired IAS officer, Mr. Vasudev has had an illustrious career in the civil services and has held several key positions in India and overseas, including Finance Secretary, Government of India, Executive Director, World Bank and Government nominee on the Boards of many companies in the financial sector. The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25 years, and before joining HDFC Bank in 1994 was heading Citibank's operations in Malaysia. The Bank's Board of Directors is composed of eminent individuals with a wealth of experience in public policy, administration, industry and commercial banking. Senior executives representing HDFC are also on the Board. Senior banking professionals with substantial experience in India and abroad head various businesses and functions and report to the Managing Director. Given the professional expertise of the management team and the overall focus on recruiting and retaining the best talent in the industry, the bank believes that its people are a significant competitive strength.

HDFC Bank operates in a highly automated environment in terms of information technology and communication systems. All the bank's branches have online connectivity, which enables the bank to offer speedy funds transfer facilities to its customers. Multi-branch access is also provided to retail customers through the branch network and Automated Teller Machines (ATMs). The Bank has made substantial efforts and investments in acquiring the best technology available

mutual funds. as well as through alternative delivery . The bank has three key business segments: Wholesale Banking Services The Bank's target market ranges from large. to build the infrastructure for a world class bank. transactional services. In each of its businesses. Retail Banking Services The objective of the Retail Bank is to provide its target market customers a full range of financial products and banking services. HDFC Bank offers a wide range of commercial and transactional banking services and treasury products to wholesale and retail customers. which combine cash management services with vendor and distributor finance for facilitating superior supply chain management for its corporate customers. expertise and technology to create a competitive advantage and build market share. including working capital finance. companies from the domestic business houses and prime public sector companies. The bank is also a leading provider of structured solutions. giving the customer a one-stop window for all his/her banking requirements. the Bank has made significant inroads into the banking consortia of a number of leading Indian corporates including multinationals. The products are backed by world-class service and delivered to customers through the growing branch network. the Bank provides a wide range of commercial and transactional banking services. stock exchange members and banks.internationally. Based on its superior product delivery / service levels and strong customer orientation. For these customers. the Bank has succeeded in leveraging its market position. The Bank's business is supported by scalable and robust systems which ensure that our clients always get the finest services we offer. The Bank has prioritised its engagement in technology and the internet as one of its key goals and has already made significant progress in web-enabling its core businesses. trade services. It is recognised as a leading provider of cash management and transactional banking solutions to corporate customers. etc. cash management. blue-chip manufacturing companies in the Indian corporate to small & mid-sized corporates and agri-based businesses.

which represents instruments considered to be "of the best quality. Local Currency Money Market & Debt Securities. Loans. advice and product structures. the bank had a total card base (debit and credit cards) of over 14 million. By March 2010. CARE has also rated the bank's Certificate of Deposit (CD) programme "PR 1+" which represents "superior capacity for repayment of short term promissory obligations". Treasury Within this business.000 Point-of-sale (POS) terminals for debit / credit cards acceptance at merchant establishments.) has assigned the "AAA ( ind )" rating to the Bank's deposit programme. The Bank launched its credit card business in late 2001. This rating indicates "highest credit quality" where "protection factors are very high" . the bank has three main product areas .Foreign Exchange and Derivatives. (100% subsidiary of Fitch Inc. carrying negligible investment risk". etc. The Bank is well positioned as a leader in various net based B2C opportunities including a wide range of internet banking services for Fixed Deposits. Phone Banking. These and fine pricing on various treasury products are provided through the bank's Treasury team. corporates need more sophisticated risk management information. The Bank's Fixed Deposit programme has been rated 'CARE AAA (FD)' [Triple A] by CARE. and Equities.Credit Analysis & Research Limited (CARE) and Fitch Ratings India Private Limited. To comply with statutory reserve requirements. The Bank is also one of the leading players in the ³merchant acquiring´ business with over 90. NetBanking and Mobile Banking.channels like ATMs. the bank is required to hold 25% of its deposits in government securities. HDFC Bank was the first bank in India to launch an International Debit Card in association with VISA (VISA Electron) and issues the Mastercard Maestro debit card as well. The Treasury business is responsible for managing the returns and market risk on this investment portfolio. Bill Payments. Ltd. with the outlook on the rating as "stable". With the liberalisation of the financial markets in India. Credit Rating The Bank has its deposit programs rated by two rating agencies . Fitch Ratings India Pvt.

The Bank also has its long term unsecured. Institutional Investor HDFC Bank MD. Mr. we are proud to say that we are well on our way towards that goal. Aditya Puri among "Asian Captains of Finance 2010" Magazine Poll IDRBT Technology Winner 1) IT Infrastructure 2) Use of IT within the Bank . Today. has assigned the rating "AAA (ind)" with the outlook on the rating as "stable". The bank has been assigned a 'CRISIL GVC Level 1' rating which indicates that the bank's capability with respect to wealth creation for all its stakeholders while adopting sound corporate governance practices is the highest. The Credit Rating Information Services of India Limited (CRISIL). It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. which subjected itself to a Corporate Governance and Value Creation (GVC) rating by the rating agency. the ratings awarded were the highest assigned by the rating agency for those instruments. AWARDS AND RECOGNITION HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian Bank". CARE has assigned the rating of "CARE AAA" for the subordinated Tier II Bonds while Fitch Ratings India Pvt. The rating provides an independent assessment of an entity's current performance and an expectation on its "balanced value creation and corporate governance practices" in future. CARE has also assigned "CARE AAA [Triple A]" for the Banks Perpetual bond and Upper Tier II bond issues. We realised that only a single-minded focus on product quality and service excellence would help us get there. Corporate Governance Rating The bank was one of the first four companies. In each of the cases referred to above. subordinated (Tier II) Bonds rated by CARE and Fitch Ratings India Private Limited and its Tier I perpetual Bonds and Upper Tier II Bonds rated by CARE and CRISIL Ltd. Ltd. CRISIL has assigned the rating "AAA / Stable" for the Bank's Perpetual Debt programme and Upper Tier II Bond issue.

however. We are confident. 2 last year) Management Poll 2010 Financial Innovation 2010 Insights Innovation in Branch Operations .IT Governance (Large Banks) ACI Excellence Highly Commended . that with your feedback and support.Banking & Financial Services category 2010 Forbes Top Companies 2000 Our Bank at 632nd position and among 130 Global High Performers Financial Express Ernst & Young Survey 2009-10 Asian Excellence 2009 Banker Awards Best New Private Sector Bank Best in Growth Best in strength Best Retail Bank in India Excellence in Automobile Lending Bank M&A Integration Technology Implementation The Asset Triple A Best Cash Management Bank in India Awards Euromoney Private 1) Best Local Bank in India (second year in a row) 2) Best Private Banking Banking and Wealth Services overall (moved up from No. never-ending journey of providing excellent service to our customers. we will be able to maintain and improve our services.Server Consolidation Project Awards Best Trade Finance Provider in India for 2010 Global Finance Award 2 Banking Technology 1) Best Risk Management Initiative and 2) Best Use of Business Intelligence. .2009 Awards Runners-up .Asia Pacific HDFC Bank Awards 2010 FE-EVI Business Award Green Best performer in the Banking category Leadership Celent's 2010 Banking Model Bank Award Innovation Award Avaya Global Connect Customer Responsiveness Award . Awards 2009 SPJIMR Marketing 2nd Prize Impact Awards (SMIA) 2010 Business Today Best Listed in top 10 Best Employers in the country Employer Survey We are aware that all these awards are mere milestones in the continuing.

with a youthful and enthusiastic team determined to . We can of course wax eloquent about it in so many ways. but they say. so we will let the figures do all the talking.The last twelve years have been very fulfilling. figures don't lie. Joining the Winning Team HDFC Bank is a young and dynamic bank. They will give you a fair idea of how we have grown in the past few years .

Operational Excellence. Continue to develop products and services that reduce our cost of funds. The objective is to build sound customer franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments. We are committed to do this while ensuring the highest levels of ethical standards. developing. Our business strategy emphasizes the following : Increase our market share in India¶s expanding banking and financial services industry by following a disciplined growth strategy focusing on quality and not on quantity and delivering high quality customer service. benchmarking ourselves against international standards and best practices in terms of product offerings. professional integrity. Develop innovative products and services that attract our targeted customers and address inefficiencies in the Indian financial sector. service levels. motivating and retaining the best people in the industry. For this reason. Product Leadership and People. consistent with the Bank's risk appetite. Leverage our technology platform and open scaleable systems to deliver more products to more customers and to control operating costs. Maintain our current high standards for asset quality through disciplined credit risk management. and to achieve a healthy growth in profitability. technology. Focus on high earnings growth with low volatility. Our business philosophy is based on four core values .accomplish the vision of becoming a world-class Indian bank. We believe that the ultimate identity and success of our bank will reside in the exceptional quality of our people and their extraordinary efforts. we are committed to hiring. Mission and Business Strategy Our mission is to be "a World Class Indian Bank". risk management and audit & compliance. corporate governance and regulatory compliance.Customer Focus. .

our policy on customer information. Customers can also find out about the time norms for various banking transactions. and the process followed for redressal of grievances. is established to provide a direction and framework for managing and monitoring the bank in accordance with the principles of good corporate governance. which is generally accepted as a key factor in attaining fairness for all stakeholders and achieving organizational efficiency. facilities and services we provide. This Corporate Governance Policy. Types of Deposit Accounts Premature Withdrawal of Term Safe Deposit Lockers Redressal grievances Service Charges Exchange of Soiled/ Mutilated notes ATM Card / Debit Card Hot listing Pension Accounts No Frills Account Foreign Exchange Services Time Norms for Various Banking Transactions Cheque Collection Policy of complaints & Account Opening & Operation of Deposit Deposit Account Nomination Facility Interest Payments Minor's Accounts Account of Illiterate / Blind Person Renewal of Term Deposit Advance Against Deposits Deceased Deposit Accounts Insurance Cover for Deposits Stop Payment Facility Addition or Deletion of the name/s of Joint Dormant Accounts A/c holders Customer Information Secrecy of Customers Standing Instructions Direct Debit HDFC Bank recognizes the importance of good corporate governance. . therefore.Our Citizen's Charter offers relevant information about the products.

M. Mr. Mr. which indicates that the bank's capability with respect to wealth creation for all its stakeholders while adopting sound corporate governance practices is the highest. finance. the Banking Regulation Act. None of the Directors on the Board is a member of more than ten (10) Committees and Chairman of more than five (5) Committees across all the companies in which he/she is a Director. Harish Engineer and Mr. All the Directors have made necessary disclosures regarding Committee positions occupied by them in other companies. Aditya Puri. etc. 2010. other than the transactions entered into in the normal course of business. Aditya Puri. . The Bank has not entered into any materially significant transactions during the year. Keki Mistry and Mrs. agriculture. which subjected itself to a Corporate Governance and Value Creation (GVC) rating by the rating agency. Harish Engineer and Mr. which could have a potential conflict of interest between the Bank and its promoters. Pandit Palande are independent directors on the Board. The Composition of the Board of Directors of the Bank is governed by the Companies Act. directors. Renu Karnad represent HDFC Limited on the Board of the Bank. Keki Mistry. financial and/or commercial transactions between them and the Bank which could have potential conflict of interest with the Bank at large. Gautam Divan. Arvind Pande. Mr. Mr. Mr. All Directors other than Mr. 1956. Mr. C. management and/or their relatives. The Board consists of eminent persons with considerable professional expertise and experience in banking. Mrs. Renu Karnad. Mr. Paresh Sukthankar are non-executive directors. The bank has been assigned a 'CRISIL GVC Level 1' rating for the second consecutive year. The Senior Management have made disclosures to the Board confirming that there are no material. Ashim Samanta. small scale industries and other related fields. Mr. Jagdish Capoor. The Credit Rating Information Services of India Limited (CRISIL). Mr. Vasudev and Dr. 1949 and the listing requirements of the Indian Stock Exchanges where the securities issued by the Bank are listed. The Board has a strength of eleven (11) Directors as on March 31.The bank was amongst the first four companies. Mr. The Bank has five independent directors and six non-independent directors. The rating provides an independent assessment of an entity's current performance and an expectation on its "balanced value creation and corporate governance practices" in future. Paresh Sukthankar are non-independent Directors on the Board.

Regular Savings Plus SavingsMax No Frills Institutional Savings Senior Citizens Retail Trust Kids Advantage Pension Savings Salary Classic Payroll Regular Premium Defence Kisan No Frills Savings Kisan Club Savings Reimbursement . HDFC Bank not only has the perfect solution for you. accumulating funds over a period of time. but also can recommend products that can augment your planning for the future. With HDFC Bank. Whether you're employed in a company and need a simple Savings account or run your own business and require a robust banking partner. the efforts are rewarding. Savings Accounts These accounts are primarily meant to inculcate a sense of saving for the future. we are confident that you will find the perfect banking solution. Whatever your occupation.PRODUCTS Banking should be effortless. Open an account in your name or register for one jointly with a family member today. No matter what a customer's need and occupational status. we have a range of solutions that are second to none.

We make it our business to help you with your business by offering you a Current Account with all the benefits you need to stay ahead of your competition. Plus Regular Apex Trade RFC Domestic Max Premium Flexi Current Fixed Deposits Long-term investments form the chunk of everybody's future plans. experience the freedom of multi-city banking! You can have the power of multi-location access to your account from any of our 1. thus fulfilling your needs as well as keeping your savings secure. An alternative to simply applying for loans. Regular Fixed Deposit 5 Year Tax Saving Fixed Deposit SuperSaver Sweep-In . We provide you with a choice of Current Account options to exclusively suit your business . At HDFC Bank. fixed deposits allow you to borrow from your own funds for a limited period. with an HDFC Bank Current Account. we understand that running a business requires time and money. Not only that. you can do most of your banking transactions from the comfort of your office or home without stepping out. That's where we come in.whatever the size or scope.Current Accounts Now.725 branches in 780 cities. also that your business needs are constantly evolving. Open an HDFC Bank Current Account & control your business operations centrally.

Personal Loans A wedding in the family? Maybe your house needs renovation? Our range of Personal Loans brings you one step closer to your dreams. SmartDraft Need additional funds? SmartDraft offers you an easy-to-use overdraft facility of upto 3 times your salary Home Loans Get the home of your dreams . our Two Wheeler Loan offers the perfect excuse to purchase that bike you've always wanted.Haven't you occasionally dreamt of buying a PC . we offer an entire range of loan products. a car of your choice or even travelling abroad? Your dreams are now within your reach. Whatever your need.with our New Car Loan! .with a little help from us. Two Wheeler Loans With flexible payment options and easy repayment. New Car Loans Drive away the car of your dreams .

Used Car Loans Choose any used car manufactured in India and we'll put you in the driver's seat!* Gold Loan With HDFC Bank's Gold Loan. you can get an instant loan against your gold jewellery and ornaments. LIC Policies. KVP. Educational Loans Bridging the gap between you and higher education. The procedure is simple. . but don't know where to get the finance? Retail Agri Loans A convenient and hassle-free loan to meet your farming production and investment requirements. UTI Bonds (6. Flexibility to choose between an EMI based loan or an Overdraft. GOI Relief Bonds.60% ARS Bonds & US64 Bonds). documentation is minimal and approval is quick. Loans Against Rental Receivables Need additional funds for your business? Our Loan against Rent Receivables gives you the perfect opportunity to supplement your regular cash flow. Loans Against Securities Get an overdraft against your securities like Equity Shares. Health Care Finance Do you need medical equipment that will change your clinic/hospital into a modern day diagnostic center. Mutual Fund Units. NSC. Loans Against Property Get a loan against your residential or commercial property.

you have come to the right place.Tractor Loans If you are looking for finance to buy your tractor. We offer hassle-free Tractor laon with the best terms for funding at the most attractive rates in India. conducting cashless shopping. Commercial Vehicle Finance If you are looking for finance to buy your commercial vehicle. Credit Cards . you have come to the right place. We offer hassle-free Commercial Vehicle Loan with the best terms for funding at the most attractive rates in India. The procedure is simple. We offer hassle-free Construction Equipment Loan with the best terms for funding at the most attractive rates in India. you will find a card that suits you. Our range of Cards help you meet your financial objectives. So whether you are looking to add to your buying power. you have come to the right place. documentation is minimal and approval is quick. or budgeting your expenditure. Warehouse Receipt Loans Realize better prices and avoid distress sale for your commodity on availing HDFC Bank Warehouse Receipt Loans. Construction Equipment Finance If you are looking for finance to buy your construction equipment.

our Credit Cards are designed to meet your unique needs. Choose from: Classic Cards EasyShop International Debit Card Premium Cards EasyShop Gold Debit Card . The best credit cards are available here. including even the online credit cards service Netsafe. Premium Credit Cards Platinum Plus Credit Card Platinum Plus Chip Credit Card Visa Signature Credit Card World MasterCard Credit Card Commercial Cards Corporate Platinum Credit Card Corporate Credit Card Business Platinum Credit Card Business Gold Credit Card Purchase Card Distributor Card Titanium Card Titanium Credit Card Other Cards Silver Credit Card Visa Value Plus Credit Card Gold Credit Cards Gold Credit Card Woman's Gold Card Debit Cards What if you could carry your bank account with you? HDFC Bank Debit Cards give you complete and instant access to the money in your accounts without the risk or hassle of carrying cash.Besides arming you with unmatched spending power. Choose one that's tailored for you.

The Corporate Payment Card .Freedom from cash disbursement / administrative hassles.Gift the freedom of Prepaid FoodPlus Card . . Choose the one that best answers your needs: ForexPlus Card ForexPlus Chip Card Prepaid Travel Card .to manage your A pre-paid traveller's card designed to give overseas expenses.Freedom from choice! MoneyPlus Card cumbersome meal vouchers. our Prepaid Cards have been tailored to answer your travel and gifting needs. GiftPlus you greater security and increased protection. Card FoodPlus Card Prepaid Gift Card .Specialised Cards EasyShop International Business Debit Card EasyShop Woman's Advantage Debit Card EasyShop NRO Debit Card EasyShop Titanium Debit Card Prepaid Cards Besides offering convenience.

We help you invest wisely through our financial and investment services. Choose from a range of traditional insurance and unit linked plans designed to help you with your savings. Systematic Investment Plan Tax Planning At HDFC Bank we offer a number of advantageous tax saving investment options Insurance Life insurance is designed to offer financial protection for you and your family during the times of uncertainties. we ensure your money is not just in safe hands. Profit from our expertise. retirement. Wealth Advisory Services This exclusive service* comes to you with an array of unmatched benefits. investment and protection needs. Mutual Funds Invest through the Mutual Fund route to meet your varied investment objectives. Traditional Plans HDFC Children's Plan HDFC Money Back Plan HDFC Savings Assurance Plan HDFC Assurance Plan HDFC Term Assurance Plan HDFC Loan Cover Term Assurance Plan HDFC Endowment Assurance Plan Unit Linked Plans HDFC Unit Linked Pension Supreme HDFC Unit Linked Endowment Supreme Suvidha HDFC Unit Linked YoungStar Supreme Suvidha HDFC Unit Linked Wealth Builder HDFC Unit Linked YoungStar Supreme HDFC Unit Linked Pension Maximiser II HDFC Unit Linked Endowment Supreme HDFC Single Premium Whole of Life Insurance HDFC Unit Linked Pension Champion Plan . it also works to your advantage.When you bank with us.

Foreign Exchange and Trade Services The following are different methods of transacting in Foreign Exchange and remitting money. transfer monies to India.Are you a frequent flyer for business or often holiday abroad? Are you an importer/exporter of foreign and Indian goods? If you need to deal in foreign currency and keep tabs on exchange rates every now and then. you will need to understand your . We offer the following Foreign Exchange Products and Services.. Depending on the nature of your transaction or point of travel. Travellers Cheques Foreign Currency Cash ForexPlus card ForexPlus Chip card Foreign Currency Drafts Cheque Deposits Remittances Cash to Master Trade Services Forex Services Branch Locator Important guidelines and schedules All Foreign Exchange transactions are conducted by strictly adhering to RBI guidelines. HDFC Bank has a range of products and services that you can choose from to transact smoothly. efficiently and in a timely manner. make payments etc.

RBI Guidelines Forex Limits Non HDFC Bank Account Holders FAQs With HDFC Bank's payment services. Verified by Visa (VBV)/ MasterCard SecureCode Do you want to be worry free for your online purchases. Prepaid Mobile Refill If you are an HDFC Bank Account holder. Our range of payment options make it easy for you to pay for a variety of utilities and services. you can now recharge your Prepaid Mobile Phone . NetSafe Now shop online without revealing your HDFC Bank Credit Card number. MasterCard. Now you can shop securely online with your existing Visa Debit/Credit card. credit and Debit cards at your outlets through state of the art POS Machines or through your website and experience hassle free payment acceptance. Merchant Services Accept all Visa.Foreign Exchange limits. you can bid goodbye to queues and paper work. Whats more. you can now use your HDFC Bank Debit Card also for online purchases.

with this service. telephone.with BillPay. DirectPay . View and pay all your mobile. make donations and subscribe to magazines without going through the hassles of any registration. Enjoy credit free period and reward points as per your credit card features. electricity bills and insurance premia on-line. your mobile phone and telephone . InstaPay Pay your bills. BillPay Pay your telephone. make subscriptions and donations. ngpay ngpay offers a range of services from it's network of partners. Visa BillPay Pay your utility bills from the comfort of your home! Pay using your HDFC Bank Visa credit card and forget long queue and late payments forever PayNow Use your HDFC Bank Credit Card to pay your utility bills online. you can discover and choose merchants or service providers with whom you want to transact. Through the Internet. electricity and mobile phone bills at your convenience. our comprehensive bill payments solution. no registration required. Register once and get sms and e-mail alerts everytime your bill is received. Register&Pay Enjoy complete bill payment solution under one roof. consolidated menu. ATMs. In a simple.

Through this facility you can now make your DVAT & CST payments at your own convenience through HDFC Bank's NetBanking facility. Online payment of GVAT HDFC Bank is one of the first few banks to launch an Internet payment option for payment Online payment of Gujarat Value Added Tax (Gujarat VAT). e-Monies National Electronic Funds Transfer Transfer funds from your account to other Bank accounts across India using HDFC Bank's NetBanking facility Online Payment of Excise & Service Tax Make your Excise and Service Tax payments at your own convenience through HDFC Bank's NetBanking facility. Through this facility you can now make your VAT payments at your own convenience through HDFC Bank's NetBanking.Shop or Pay bills online without cash or card. Debit your account directly with our DirectPay service! Visa Money Transfer Transfer funds to any Visa Card (debit or credit) within India at your own convenience through HDFC Bank's NetBanking facility. . Online Payment of Direct Tax HDFC Bank was the first private sector bank to be authorised by the Central Board of Direct Taxes (CBDT) as well as the Reserve Bank of India for collection of direct tax Online payment of DVAT and CST HDFC Bank is one of the first few banks to launch an Internet payment option for payment Online payment of Delhi Value Added Tax (DVAT) and Central Sales Tax (CST).

you. Be it a dedicated Client Relationship Manager. RTGS Funds Transfer RTGS is an inter-bank funds transfer system. real time). . With our HDFC Bank Preferred Programme. even your bank. It seeks to enhance the exclusivity that you are accustomed to and pampers you with services that others can only dream about. HDFC Bank Preferred Banking If you expect more from everything. customised investment advisory or exclusive privileges. Imperia takes care of every little detail to ensure a banking experience like no other. HDFC Bank Imperia Banking HDFC Bank Imperia Premium Banking programme is designed for the royalty of today . Donate to Charity Now donate to your favorite organisation easily and securely using HDFC BANK's NetBanking. Where you will never again have to wait to be served. where funds are transferred as and when the transactions are triggered (i.e. your comfort always comes first. we invite you into the world of exclusive banking.Religious Offerings Now donate to your favorite temple easily and securely using HDFC BANK's NetBanking.

Ideal for seasoned professionals or businessmen. It also means you get preferential rates on various banking products and other exclusive benefits. keeping in line with your profile and investment objectives. we are pleased to offer to you a customised Investment Advisory Service for your existing portfolios and regular investable surpluses. HDFC Bank Classic Banking If you want to experience banking beyond the ordinary. Becoming an HDFC Bank Classic customer entitles you to a host of benefits. The service offers research ± based advice to optimise returns on your investment portfolio across a range of financial instruments. including a bouquet of preferentially priced products and specialised Investment solutions. Here. Your existing portfolio is analysed to advice you on rebalancing to obtain an optimum asset mix. a dedicated advisor regularly guides you through the evolution of new market opportunities. Your personal financial investment needs might get overlooked. our HDFC Bank Classic Programme is just for you. At HDFC Bank. In line with this. to evaluate and restructure your existing investment portfolio. while you attend to your business and professional needs. we understand the value of your time and the opportunities it holds for you. Recognition from Euromoney . this programme will provide you with a banker dedicated to take care of all your banking and investment needs.

Experience total control and convenience with our range of innovative services.A testament to our endeavor towards providing exceptional service is the rank that we have earned in the Euromoney Private Banking Survey 2010: Rated as the Best Private Bank in India. Wherever you are. Now using your HDFC Bank Credit Card has become more convenient . your bank is always accessible. Providing up-to-the-second account information. NetBanking lets you manage your account from the comfort of your mouse anytime. anywhere. NetBanking is HDFC Bank's Internet Banking service. We take great pleasure in announcing that the HDFC Bank NetBanking service is now available for Credit Cards also.

please refer to the frequently asked questions (FAQs) section. Currently the following Credit Cards Netbanking features are available :- View Account Information Unbilled Transactions Credit Card Statement Download Card Statement (upto last 6 months) Request for Autopay Register (Only for HDFC Bank account holders) Autopay Deregister Statement on E-Mail Credit Card ATM PIN Register New Card Deregister Card Credit Card Payment (Only for HDFC Bank account holders) This service is offered completely free and you can be assured of complete privacy when you use our NetBanking facility. anywhere.and time saving. Register your Credit Card for Netbanking now and access your Credit Card account anytime. You can now access your Credit Card account from home or office or even while traveling. . For registration process details and other queries. With NetBanking you can view your card account information and do much more just at the click of a button.

For all transactions that cannot be completed on the IVR such as reporting loss of cards. enquire about your loan account.Get details of the outstanding loan amount.Get details of Account holding. request for an interest certificate and repayment schedule.Just call PhoneBanking and get your Cheque Book or latest Account Statement delivered at your doorstep. ISIN Number of a scrip. 24 hours a day. Charges for the account and others.Get up-to-the-second details of your Savings or Current Accounts and your Fixed Deposits. Loan Related queries . Client Master list details.PhoneBanking services are a combination of IVR and Agent offering. You can also get the details of the last 5 transactions on your account. select your preferred language & dial 5 to speak to . depending on the type of transaction. Demat Related Queries . Transaction details. requests & queries. or have a mini statement of last 15 transactions faxed across to you. Just call PhoneBanking in your city. logging complaints. Enquire on the cheque status . PhoneBanker-assisted services are available. etc.You can use PhoneBanking to check on the status of cheques issued or deposited from anywhere in India. status of Depository Slips.Stop payment of a single cheque or a series of cheques. Avail of the following services via PhoneBanking: Check your account balance . Order a Cheque Book / Account Statement . Call PhoneBanking in your city. Stop Payment . select your preferred language and dial 4 to speak to our PhoneBanker.

Pay your cellular. a comprehensive bill payments solution. You can transfer amounts upto Rs 1 Lac in a single day. Know more about BillPay.Call PhoneBanking in order to regenerate your ATM / Debit card PIN / NetBanking IPIN.You can also transfer money from one of your accounts to another.Call PhoneBanking and get a Demand Draft / Manager's Cheque delivered to your doorstep. Transfer Funds between accounts*# .etc.etc . Request a Demand Draft / Manager's Cheque #** . telephone. Re-generation requests for ATM / Debit card PIN / NetBanking IPIN.Talk to our PhoneBanker to open a Fixed Deposit over the phone. Both accounts must be linked to your Customer ID. Open a Fixed deposit *#.Get details on HDFC Bank products & services by talking to our PhoneBanker. Enquire about latest Interest / Exchange rates .Get latest Interest rates on Deposits and Foreign Exchange rates by talking to our PhoneBanker. Report loss of your ATM / Debit / Prepaid Card . by simply authorising a transfer of funds from your Savings Account. Learn about all our other products .our PhoneBanker. Pay your bills .If your ATM / Debit / Prepaid Card is lost. electricity bills through PhoneBanking using BillPay. call any PhoneBanking number to hotlist / block your card(s). .

000Weekly account balance Salary Credits* Utility bill payment due Alert** Your Mobile is now your bank! Now access your bank account and conduct a host of banking transactions through your mobile. 50. 000/ Rs. with our unique MobileBanking service.000/ Rs. you can avail of a host of features at your finger tips Perform funds transfers * Get your balance details . 20.10. 50. 5.000 Credit in account greater than Rs. 000/ Rs.You can check your account level information such as balance details. 20.000/ Rs.000/Rs. cheque status as well as carry out financial transactions such as Funds Transfer using HDFC Bank MobileBanking service.Just register for our InstaAlert service and receive updates on your account as and when the select transaction happens .000/Rs. 000/ Rs.all this without visiting the branch or ATM! You can register for any or all of the following alerts: Debit transactions greater than Rs. Using our MobileBanking service. 5.10.000/ Rs.10.000 Account Balance below Rs. 5.000/Rs. 20. mini statement. 50.

24-hour access to Cash . enjoy the following benefits at your convenience.Obtain your last 3 transaction details Request a cheque book Stop a cheque payment Enquire cheque status Request an account statement Get Fixed Deposit details Request for I-PIN generation Request a cheque book With wide spread network of 4.15. along with your account balance. 25.Change your ATM PIN at any given point in time.per day on your ATM Card and up to Rs. 000/.Withdraw up to Rs. View Account Balances & Mini-statements . Change ATM PIN .000 on your Debit Card.Get details of the last 9 transactions on your account with the mini-statement. Personalised Cash Withdrawals ± Save time on your cash withdrawal transactions by presetting your preferred language / account / amount.393 ATMs across India. To know more click here. .

Pay your Utility Bills . a comprehensive bill payments solution. Deposit Cash or Cheques . .Deposit Cash or Cheques into your account without visiting the Branch.Make payment of your HDFC Bank Credit Card dues using the ATM.Pay your mobile. Available at Non-Branch HDFC Bank ATMs. The primary account of your Debit / ATM card will be debited.Get information about status of the cheque issued from your account. Transfer Funds between accounts ± Transfer money between your accounts. Maximum of 16 A/cs (Savings / Current) can be linked to a card. Cheque Status Enquiry .Order a Cheque Book / Account Statement HDFC Bank Credit Card Payment . There are no charges levied for use of other Bank cards on HDFC Bank ATMs for cash withdrawals and balance inquires. To know more about Bill Pay click here. telephone and electricity bills through the ATM using BillPay. Both accounts must be linked to your ATM / Debit Card. NetBanking Password Request ± Request for your NetBanking Password (IPIN) and the same will be dispatched to your recorded mailing address. To know more about Prepaid Mobile Refill click here. Refill your Prepaid Mobile ± Refill your prepaid mobile using Prepaid Mobile Refill service instantly.

ICICI Bank. Just log on to One View and manage upto FIVE accounts in different banks. HSBC India. you will receive the same information you would normally receive by mail. No charges whatsoever . but now at the click of a button.Enjoy this convenience. Remember only ONE password. you can now receive your statements via email without any delays. The good news is. absolutely FREE! HDFC Bank introduces Email Statements for all its Savings & Current account holders. print it or save it on a CD. Features & Benefits Email Statements are FREE.OneView is a revolutionary service from HDFC Bank that allows you to manage multiple accounts in different banks through one single online interface. Essentially. Features & Benefits No need to individually log on to internet banking of every account. . Standard Chartered Bank then OneView is just right for you. If you are an HDFC Bank customer and have one or more accounts with Citibank. You also have the option to maintain the statement on email.

based on the date of account opening. Email Statements will follow a staggered cycle. Email Statements will be non-combined statements. You can open an account at any branch nearest to your residence or office and access it at any branch in the city or anywhere in the country.If you have a savings account you will get monthly Email Statements. . you can opt for Email Statements.725 branches and over 4. The sophisticated computerised network gives you the flexibility of accessing your Savings or Current Account from any of our over 1. If you have a current account you can opt for daily / weekly / monthly Email Statements Physical statements will be discontinued if you opt for Email Statements.393 ATMs across India. Get information on our new products and mandatory information online. Welcome to the networked world of HDFC Bank. Even if you are registered for hold mails.

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