Closing an HDFC bank account can be straightforward if you follow the proper steps. HDFC provides an account closure facility to customers who may want to switch banks or don’t need multiple accounts. This comprehensive guide will cover all the details you need to close your HDFC account smoothly.
HDFC Bank is one of the premier private banks in India. It offers a wide range of financial products like savings accounts, current accounts, loan products, credit cards, and more. As per RBI guidelines, HDFC customers must maintain a certain average monthly balance in their budgets to avoid penalty charges. The minimum balance is Rs 5,000 for metro city accounts and Rs 3,000 for rural accounts.
Maintaining multiple bank accounts can make keeping the required minimum balance in all accounts challenging. Closing unused or idle HDFC accounts can help reduce this hassle. You should shut your HDFC account if you are shifting to another bank or no longer need that account. The process to close an HDFC account permanently is straightforward if you follow the step-by-step procedure outlined below.
When is the Best Time to Close your HDFC Account?
The charges applicable for closing an HDFC account depend on how long the account has been active:
- Within 14 days of account opening: No closure charges
- Between 15 days and 12 months: Closure fee of Rs 500 (Rs 300 for senior citizens)
- After 12 months: No charges for closure
So it is best to close the account within two weeks or after one year of opening to avoid closure fees. Customers wanting to port to another bank can open a new account first and then shut their HDFC account after 12 months when there are no charges.
Step-by-Step Guide to Close HDFC Bank Account
Follow these key steps to close your HDFC bank savings smoothly, current or another account:
1. Transfer Out Any Positive Balance
Withdraw or transfer out the entire balance amount from your HDFC account before beginning the closure process. You can transfer funds via NEFT, RTGS, IMPS, or UPI to move the money into another active bank account you hold. Ensure you have drained the full balance and the account shows zero balance.
2. Download HDFC Account Closure Form
You can download the HDFC account closure form from the official website. Alternatively, visit the nearest HDFC branch and get the account closure form. The form will require you to fill in personal details like name, account number, reason for closure, etc.
3. Duly Fill All Details in Closure Form
Carefully provide all information sought in the account closure form. Fill in personal details like name, contact information, and account number accurately. Check there are no errors before submission.
4. Submit Documents at HDFC Branch
Visit your nearest HDFC bank branch with the duly filled account closure form. You must submit photocopies of KYC documents like Aadhaar, PAN card, and voter ID as proof. Carry original KYC documents as well for verification if needed.
5. Handover Cheque Book, Debit Card, and Passbook
When submitting the account closure form, you must hand over the account chequebook, debit card, and passbook to the branch representative. This completes the bank’s records related to your account.
6. Get Acknowledgment Receipt
The HDFC branch executive will verify all documents and issue an acknowledgment receipt for your account closure request.
7. Wait for the Account to Close in 10 Days
HDFC will process the request and close the account within approximately ten working days after submission of the form. The account will get permanently closed within this duration.
Points to Note Before Closing HDFC Account
Here are some essential things you must do before submitting the account closure request:
- Open an alternate bank account to park funds before closing your HDFC account.
- Disable any auto-payments linked to the HDFC account debit card or UPI to avoid disruptions.
- Take a printout of the latest account statements for future reference.
- Settle any pending charges or dues to bring the account balance to zero.
These steps will ensure a smooth transition when closing your HDFC bank account.
Frequently Asked Questions on Closing HDFC Account
Here are some common queries answered on closing an HDFC bank account:
Can I close my HDFC account online?
Currently, HDFC does not offer the option to close an account digitally or online. You must submit the account closure form at an HDFC bank branch.
What are the charges to close an HDFC account before one year?
If you close the HDFC account after 15 days but before completing one year, closure fees of Rs 500 (Rs 300 for senior citizens) apply.
How to close an HDFC account with a negative balance?
Clear the negative balance first by transferring funds into the account. Once the account has zero balance, submit the closure request at the branch.
Is there a way to close an HDFC savings account online?
No, closing savings and current accounts require visiting the HDFC bank branch. There is no online closure facility yet.
Can I reopen a closed HDFC account?
No, you cannot reopen a closed HDFC account. You must open a new report by submitting the account opening form online or at a branch.
How long does HDFC take to close an account usually?
HDFC closes accounts within approximately ten working days after submission of a physical request at the branch.
What documents do I need to submit to close my HDFC account?
You must submit the account closure form, photocopies of KYC documents like Aadhaar, PAN, Voter ID, and originals for verification. Also, submit the account checkbook, debit card, and passbook.
Can I get contact support for any issues while closing HDFC account?
You can contact HDFC customer care at 1800-227-227 or the branch manager if you face any issues while closing your account. Executives will assist you.
Conclusion
We hope this detailed guide covering the entire process, documents, charges, and other aspects helps you close your HDFC bank account quickly. Remember to transfer funds, download the form, fill in details accurately, visit the nearest branch, submit documents, and collect the receipt. If you face any issues, don’t hesitate to contact HDFC customer care for a quick resolution.
253 comments
Rita Wahid Chaudry
This article was a lifesaver! I’ve been wanting to close my HDFC account due to the high maintenance fees, but I wasn’t sure about the process. Your explanation made it so much easier. Do you know if the process is similar for NRI accounts, or are there additional steps involved?
Editorial Team
The process for NRI accounts may be a bit different, as there are additional requirements involved for those accounts. You should contact HDFC customer service for more information on how to close an NRI account.
Akash k
HI Team,
I wanted to close my HDFC saving bank account can tell what is the processor to do it,
Monthly i have getting simply mines balance if i visit the branch also the they are telling to go their
Uttamraj bhatt
Me apna account band karna chahatha hu plz halp me account me credit bahut hora hai kabi TCS kabi pos karke full payment (selary ) khali kardete hai plz closed parmanenty my Account
Rahul Kumar
Hdfc bank customer care number (0824) 938 5396 helpline contact number payment related issues problem solve..
Kavita kumari
HDFC Bank customer care helpline number 9861-50-8416//7811-91-6218 Help Desk in the event of any queries / complaints or help. … Call at: Our customer care (Phone Banking) numbers.
balwinder singh
Hii sir mujhe apna hdfc bank account band krna hai pehle main job krta thaa tu mera salary account thaa but ab main job nhi krta hu maine apna account closed Krane ke liye bank gaya thaa unhone mujhe 500rupye bhi is account main dalwa liye or band bhi nhi kiya account pls help me
Shrddha
FA KE & FRAUDULENT….
Sandip Chakraborty
Fdx very bad boy very ghatiya Bank
Mohan c
I can’t maintain minimum balance
Seelam saikumar
My account on hdfc parmntelly close ing
Sunil Kumar
M apna account band karna chata hu kiu ki m jitna b pasa account ma dalta hu vo mainss ma ho jata h is liya m ya account bnd karna chata hu
RAKESH KUMAR MISHRA
I HAD CLOSE MY HDFC BANK ACCOUNT
Sirisha
I had close my HDFC account
Vaishali Pal
Hi, I want to close hdfc account, please guide how to close
Nemichand panwar
Me apna khata bnd kr na chata hu
Azim Khan Firoz khan
My account cloy
Alok ojha
I want to close my HDFC account Book
Sumit kumar
Mujya apan acount close karwan hai kaise hoga
Sandeep
I had closed the account whether it happened or not, just inform me
Sabareesan Balraj
My account closed or not…how to iclose my account
Mohammad sadare
My account close
Veerababu
No
Mezanul haque choudhury
I want to close my hdfc saving account because i could not maintain my minimum balance because of my highly expend
Ankit kumar
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AKBAL HUSSAIN
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AKBAL HUSSAIN
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Kamalkhiyaldaskeswani
Bad
Kirankumar.k.n
I want to close my hdfc saving account because i could not maintain my minimum balance because of my highly expend
Gulshan Shivani
IT CHARGES ALLOT OF MONEY IN COMPARISION TO CBI OR SBI…
Manoranjan
I want to close my hdfc saving account because i could not maintain my minimum balance because of my highly expenditure
Vimal kumar
Kya bank h yrr bahut belens kata h
Vimal kumar
Balance bahut karta hai
chethan
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Manoranjan Basumatary
I want to close my hdfc account because every month it deducted my money from account
JAYAKRUSHNA DAS
I WANT CLOSED MY ACCOUNT . BEACUSE EVERY MONTH DEDUCTED FROM MY ACCOUNT,WHICH ONE THAT I AM VERY DISAPPOINTED.SO IS IT POSIBEL AS SOON AS.
REGARDING KRISHNA.
Vimal kumar
Belen bahut kata h my pare San hu please band kar do
Vimal kumar
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Ameen
I don’t like hdfc everything charging
Jaya Krushna Das
How to closed hdfc Bank Account
Osman Goni
I want to close my hdfc bank account because this account will be charged
Jaya Krushna Das
Yes
Osman Goni
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Faizur
How to close my HDFC account pls let me know
GUDURU GNANENDER REDDY
HOW TO CLOSE MY ACCOUNT IN ONLINE
Osman Goni
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Rahol Singh
1 want to close my hdfc bank account no
50100282725535
Ravi Kumar singh
Our government Bank are best no. Charges no maintenance charge in zero balance account I’m opening a zero balance account my account was charged within a month with 500 rs with negative balance so I want to close my account…
So Please I request you that please close my account as soon as possible I will be greatfull with your lovingly all of your satffs and head of the department please sir/mam
Yours
Ravi kumar singh
Khalari
HDFC Bank ranchi
Inder Jeet
Ya to she kar do pass vaps Aya ga ya to band karo
Inder Jeet
Balance cat Raha ha salre Acaunt ha ya kon khaga
Indira s
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Kushal SHARMA
Colse account
Amit thakur
Please close my account
Ratnesh Kumar
Balance cut raha hai
Rasool ahmad
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Dipankar Banik
I want to close my HDFC salary account
Sudani Bhumika
Close account permanently
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Deepak Kumar
This salary account. I want closed this account.
Rajkumar Bhima Abhange
Close my saving account
A/c. 50100412174000 immediately .
Thank you
Prakash Munavalli
Please close my HDFC account
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N HARISH
Hi Sir / Madam I want to delete HDFC Bank account
Alok kumar
My HDFC account is closed