HDFC Bank Increase Average Quarterly Balance (AQB) requirements for Savings Account Holder.The AQB for all Savings Regular accounts will be revised effective 1st April, 2010. The revised AQB will be as follows:
Savings Regular account – Rs. 10,000 for Metro/Urban branches and Rs. 5,000 for Semi-urban/Rural branches
Kids Advantage account – Rs. 5,000 for all the branches
Senior Citizen account – Rs. 5,000 for all the branches
The revision is not applicable to customers who are a part of Corporate Salary/Imperia/Preferred/Classic programmes. For any further clarifications, you are requested to contact PhoneBanking or visit the nearest branch.

HDFC BANK Is Declared as The Most Technology-friendly Bank.This is announced at the Businessworld Best Bank Awards.Best Bank Awards is awarded to bank performing Best Bank, Fastest Growing Bank, Most Tech-savvy Bank, Best Banker and Lifetime Achievement, among others.

Here is The BusinessWorld Annuals Award At a Glance:

• The Most Technology-friendly Bank: HDFC BANK
• Best bank Award: SBI
• Fastest Growing Bank: Axis Bank
• Banker Of The Year: Mr. OP Bhat, Chairman, SBI
• Lifetime Achievement award: Mr. M Narasimhan, former RBI Governor.

Adbrite is the world leading & large advertising network.Many publisher from India have doubt about Adbrite payment process. But Adbrite number of way to payment is very limited. Adbrite only pay by Check. Lots of Indian Adbrite publisher receive the check within 3 week after issue.But Adbrite payment done only on dollar not in local currency.Most of the publisher don’t know – where to submit that dollar check ! Read on & clarify your doubt below —-

 Where To Encash Adbrite Dollar Check in Indian Bank:

• Goto HDFC Bank & they will happy to recive this dollar check. Service fee of foreign money transaction is Rs 300. So publisher are requested to submit only the check value more than $10 in HDFC Bank. It require almost one & half month to clear the check.
• Don’t goto ICICI Bank with Adbrite check below than $100. ICICI Bank don’t accept any dollar check less than $100
• Don’t goto SBI or other nationalized Bank. They don’t provide this dollar check transaction.
• You can goto CITI Bank,HSBC Bank,Standard Chartered Bank – Please check the bank rules & fee before submit your dollar check.

If you need personal loan, you need some document for income proof, residential address proof, age proof, income proof.

Here is some most common documents needed to get a personal loan:–

• PAN Card (Also Driving License accepted)
• Voter Id card
• Passport
• Bank Statement(For last 3 month)
• Latest PaySlip(If Salaried)
• Ration Card,Utility Bill for Proof of Residence
• 8-10 passport size photograph

Where to Contact for personal Loan to check interest rates?

 Check below but remember to show your eligibility, show your permanaent source of regular incomes as well as banks always check the repayment capacity of the borrowers.

 For ICICI BANK: Goto http://www.icicibank.com/Pfsuser/loans/personalloans/plhomepage.htm

For HDFC BANK: Goto http://www.hdfcbank.com/personal/loans/personal_loans/personal_loans.htm

For SBI: Goto http://www.statebankofindia.com/viewsection.jsp?lang=0&id=0,1

For AXIS BANK: Goto http://www.axisbank.com/personal/loans/personalpower/Personal-Loan.asp

For CITI BANK: Goto http://www.online.citibank.co.in/portal/newgen/seo/loans/personalloan/personal-loans.htm

For HSBC BANK: Goto http://www.hsbc.co.in/1/2/personal/loans/personal-loan

How to Choose your Netbanking Password :

• Destroy the PIN mailer after memorizing it and/or change the PIN after the first usage.
• Change your Internet Banking Password (both Login and Transaction) after your first login and thereafter regularly (at least once in a month).
• You should use a unique password for each Web site and purpose. In case you have more than one Internet Banking User ID, use a different password for each of your Internet Banking User IDs. You may also view all your accounts with ICICI Bank under a single User ID by linking your various accounts to your preferred Internet Banking User Id.
• Your password should be complex and difficult for others to guess. Use letters, numbers and special characters [such as !,@, #,$, %, ^, &,* (, )] in your passwords. These increase the security of the passwords.
• Don’t use passwords that are obvious, like your name/ nickname, names of family members, your address, phone number, or any other information that a thief might find in your purse or wallet.
• Never share your passwords with others, including family members. Do not disclose your Internet Banking password to anybody

Be careful when responding to emails:

You may get messages that seem like they are coming from HDFC Bank seeking confidential information. This activity is commonly known as phishing. Through such messages, you may be directed to websites appearing to be genuine, and asked to key-in your confidential information.

Beware of such messages.

• Please always bear in mind that:
• Any Bank will never ask for any confidential information such as password, customer ID, Credit Card number or PIN, CVV, DOB, and so on over an email
• A phishing email will normally have a tone of urgency like Your account will be temporarily suspended and therefore please Login to keep your account active.
• Before you share any information on a website in response to an email, always assure that the URL shown in the email matches the URL of the bank website. If it does not, you have valid reason to suspect theres something fishy.
• Check for the security pad lock icon at the bottom right side of the webpage, when you are connected to the NetBanking site.
• Please remember the bank will NEVER send such emails to its customers.
• If you are doubtful about the credibility of the email, please DO NOT click on any link provided in the email. This may trigger malicious codes being installed on your PC.

Ensure your Personal Computer is protected:

• Fraudsters send genuine-looking emails that contain viruses and Trojans (A Trojan refers to a program that appears to be safe, but hidden inside, is usually something harmful, probably a virus). These viruses / Trojans, install a malicious code on your PC without your knowledge. They extract your confidential information that fraudsters use to access your bank account.
• Here are a few important action points that you should bear in mind:
• Keep your PC updated with the latest anti-virus / anti-spyware software
• Install a personal firewall on your PC to protect your account
• Keep your PC updated with the latest security patches and, most importantly,
• Do not click on links or open attachments in unknown or unsolicited (spam) emails
• Do not to make purchases on unknown sites or sites whose credentials are doubtful

DO NOT transfer funds to OR share your account details with, unknown / non-validated sources:

Many phishing fraudsters are located overseas. They need a Money Mule to route the money into their country of origin. A Money Mule is someone who receives the illegal funds into his account, withdraws it and sends it to the fraudster after keeping his commission. This may be easy money, but is illegal. Such requests could come to you through emails, advertisements on genuine recruitment web sites, instant messaging / SMS, and advertisements in newspapers and even on social networking websites.

Follow these Dos and Donts:

• Do not be conned by emails offering you a chance to make easy money, especially if it is coming from overseas
• Check out the company making you a job offer if any fund transfer to them is involved. Check their contact details to find out if they are genuine
• NEVER share your bank details
• Beware of ads / notices seeking UK Representatives or Agents to act on their behalf for a period of time
• Always type the address of the website in the address bar of your browser or access it from your stored list of favourites.
• Check for your Last Login Time
• Review your account statements carefully
• Sign Up for SMS Alerts

CAUTION: Remember, if you agree to participate in any such money transfer schemes for a commission, you are performing an ACT that is ILLEGAL.

Be aware, practice safe computing rules and protect your money.

Here is some FAQ of this facility:

So if you face any problem & don’t have the time to visit branch directly,Just use online service to complain.

Visit http://www.hdfcbank.com/common/grievance.htm# to submit complain online.

If you are unsatisfied with the reply from branch manager & want to escalate the matter to Senior Management you may file your complaint in the following address.

For Banking Products specific complaints write to:
Caesar Pinto
Grievance Cell Officer,
Grievance Redressal Cell,
HDFC Bank Ltd.,
Old Bldg; “C” Wing 3rd floor,
26-A Narayan Properties,
Chandivali Farm Road,
Off Saki Vihar Road, Chandivali,
Andheri(East), Mumbai- 400 072.
Email : Grievance.Redressal@hdfcbank.com
 
For Credit Card specific complaints write to:

Manoj Prem,
Grievance Cell Officer,
HDFC Bank Cards Division,
8, Lattice Bridge Road,
Thiruvanmiyur
Chennai 600041.
Email : customerservices.cards@hdfcbank.com

For Depository Services specific complaints write to: 
Caesar Pinto
Grievance Cell Officer
Grievance Redressal Cell – Depository Services,
HDFC Bank Ltd.,
Old Bldg; “C” Wing 3rd floor,
26-A Narayan Properties,
Chandivali Farm Road,
Off Saki Vihar Road,Chandivali
Andheri(East), Mumbai- 400 072
Email : Grievance.Redressaldp@hdfcbank.com

 
Phone number for complain:

1. Toll-free number:1800 22 4060 (accessible from BSNL/ MTNL landline)
2. Call Grievance Cell Officer Phone No.  022-28569303
3. For complaints related to Credit Cards: Toll Free Number: 1800 425 4332
4. For Demat Account Complaints: Call  022-24961616 / 24910492

Note:

1. Demat Account Complaints Time is : Monday to Friday – 9.30 a.m. and 5.30 p.m. 
2.  Credit Card Complaint Time is    : Monday to Friday – 9.30 a.m. and 5.30 p.m.  
3.  For Toll-free number:1800 22 4060: Monday to Friday – 8.00 a.m. to 8.00 p.m. & Saturday and Sunday – 8.00 a.m. to 4.00 p.m.
4.   For Call Grievance Cell Officer  : Monday to Friday – 9.30 a.m. and 6.30 p.m. & Saturday – 9.30 a.m. and 1.30 p.m. 

In 2006, it was announced for the first time that Bank fixed deposits booked by an Individual/HUF for 5 years & upto Rs. 1,00,000/- will be allowed exemption under Sec 80C of the Income Tax Act,1961 subject to necessary declarations taken from the Customer.

Here is some featutes……

**Minimum Amount: Rs.100/-

**Multiples of Rs.100/-

**Maximum Amount: Rs. 1 lac (in a FY)

**Rate of Interest -6.00% p.a, Senior Citizen rate – 6.50%

**Monthly or Quarterly interest pay-out option is available.

**Tenure – 5 years (lock in period).

**No Partial/Premature withdrawal allowed.

**In the case of joint holder deposit, the deduction from income under section 80C of the Act shall be available only to the first holder of the deposit.

**Sweep-in not allowed.

**No OD or pledge allowed.

You can enjoy a lots of benifits from it.

** No penalty on premature withdrawal

** 0.5% higher rate of interest for Senior Citizens

**Reinvestment option to earn compounded rate of interest

Fixed deposits are now of four type in HDFC BANK i.e Regular Fixed Deposit,5 Year Tax Savings Fixed Deposits,Super Saver Facility, Sweep in Facility

You can opt for any type of fixed deposits in just a moment.