HDFC bank is known for its service and customer care but according to the new government rules you have to maintain a certain amount of balance in the account on the monthly basis. The minimum balance requirement for the Urban area is Rs. 5000 and Rural Areas is Rs. 3000. If you will not able to maintain the minimum account balance then the bank will penalize you with a minimum balance charge.
If you have multiple accounts in other banks then it might hard to keep the minimum account balance in all the bank accounts. The easiest way to get rid of minimum balance charges is by maintaining balancing or closing your account. The Account closure process is pretty easy you just have to follow some steps. If you’re searching for How to Close HDFC account then here is how you can do it.
How to Close HDFC Bank Account Online
Sadly, You can’t close the HDFC Bank Account Online, However to close HDFC bank account you don’t need to visit home branch, You can download the account closure form online below and visit to a nearest HDFC Bank branch to close your HDFC Account online.
Steps To Close Your HDFC Bank Account Permanently
- Before closing your account make sure to cash out all of your balance from your account. You can also transfer all of your money to another account via UPI or NEFT, RTGS, or IMPS.
- After clearing the balance from your account visit your nearest branch and obtain the account closure form and fill in the form with the correct details.
- You can also download the Account closure form from the official HDFC bank website and take a filled form to the branch. Click Here To Download the HDFC Bank account closure form
- Now Submit the form to the bank executive along with the Debit card, Passbook, and Chequebook. Make sure to bring ID Proof with yourself as the executive may ask it for verification.
- After submitting the account closure form along with the other documents required to close your bank account the executive will give you a copy of the acknowledgment and your HDFC Bank account will be closed within 10 working days.
If you have any problem related to the account closure procedure then you can call on 1800 22 1006 number for more help the customer care executive will answer all of your questions related to account closure.
HDFC Account Closing Form Download
You can download HDFC account closure from below.
Frequently Asked Questions:
can I close my HDFC account?
In Order to close your HDFC bank Account, you have to visit your nearest branch where you can ask for the account closure form. After obtaining the form fill all of the requirements and submit the form to the bank executive along with Debit Card, Passbook, and CheckBook. Your account will be closed within 10 working days.
Make sure to bring along an ID Card in case the Bank Executive asks for the verification.
Can we close the bank account online?
Currently, you can not close your bank account online. However, you can download the account closure form from the HDFC website and visit the branch to close your account.
Are there any charges for closing the HDFC bank account?
If the account is closed within 14 days of opening or beyond 12 months of opening, no charges will be levied. If the account is closed between 15 days and 12 months of opening a charge of Rs.500 will be levied (Rs 300/- for Senior Citizens).
What happens if minimum balance is not maintained in HDFC?
If you will not able to maintain the minimum balance in your account you will be penalized for a penalty fee. The Penalty fee totally depends on the account types and area.
Can I close the HDFC account before 1 year?
You can close your account anytime as you want. but if you close the account between 15 days and 12 months of opening a charge of Rs. 500 will be levied.
How can I change my HDFC account to zero balance?
HDFC bank zero balance savings account can be opened by any individual who is not having any exiting account in the bank and does not have complete KYC.
A Zero Balance Savings Account Can be open in the HDFC Bank but you have certain transactional and operational limits.
Conclusion
So it was the article about “How to close your HDFC bank account”. We explaining everything that you need to know while closing your HDFC Bank Account. But still, if you have any doubts related to any point ask in the comment section we will happy to assist you. You can also call HDFC Bank customer care for more details.
Can I close my HDFC account if I lost my debit card?
Yes Richa, You can.
Just delist your HDFC Bank debit card from internet banking.
Can I close my account online without visiting to home center,this is only when person is living abroad and this pandemic can not come to India.
Possibble????
Without visiting the bank, it is not possible to close an HDFC Bank account. Therefore, you will have to close it when you visit India next time
We can send account closer form by post office to branch. Because no near branch in my area
Sending it to the home branch via post might work. However, I haven’t personally tried it. If you try it, let us know how it goes.
Sar mera account black kar do
Sir please branch main jakar boliye wo log kar denge.
I wanted to close my PREVIOUS child account because i have open an adult account but the employee in charge said that i have to leave 5000rupee in that previous account to be able to closed successfully.. Is that really necessary???
Yes sir,
HDFC charges a 500INR account closing fee. You should have upgraded your existing account instead of opening a new one. Nevertheless, you should deposit the money and close it or else HDFC will keep charging you around 450 INR per month for “Balance Non-Maintenance Charges.”.
Due to the bank’s “minimum balance” charges, my hdfc account balance is – 6000 & I cannot close the account.
If you leave the account like that, it will be declared dormant after 2-3 years & you can close Close HDFC Bank Account without paying anything, or if you pay that amount immediately, you can close HDFC Account instantly.
I want to close my HDFC salary account, since from last 2years i am living in outside of India. Its not possible to come India during this heavy pandemic. I would like to request you to kindly assist me in this case without visit to branch. If there is any other way to close my account from online or through my friend(If I filled a form and submit by my friend).
It is not possible to close an HDFC bank account without going to the branch. Close the account when you visit India next time.
Lost the bank documents
Take your Adhaar card and pan card to the branch and ask them to reprint the passbook.
Because of not maintaining minimum balance, my balance drops to -600 & I lost my debit card. So is it possible to close my account without paying that amount & Debit Card??
You have to pay that amount in order to be able to close your HDFC account, you don’t need to submit the debit card.
1. Mera salary account me salary aana bandh ho gya hai.. 1 saal ho gya hai.. Aur abhi negetive balance hai.. toh kya main negetive balance pay kar k.. account close kar sakta hu?
2. account close karne k liye bhi kya charges dene padenge?
1- Yes, you may close your HDFC account if you pay off the negative balance.
2- No, you will not have to pay any additional fees.
I’m trying to get my account closed for good but am asked to travel in the times of a pandemic which is simple ridiculous. If I can visit my closest bank or send anything via post to the branch, they are not acknowledging anything on my end and expect me to travel states.
The bank refuses to connect me to someone who can speak english while I cannot really understand Tamil
I have had horrible experience with HDFC bank and cannot tolerate their negligence to my requests anymore. I’ve also raised requests on HDFC complain centre but no response.