Opening a bank account is an important step in managing your money. If you’ve been wondering how to open a bank account in HDFC, you’re in the right place. HDFC Bank is one of India’s most trusted banks. It offers savings accounts, salary accounts, student accounts, and more. This article will walk you through the whole process in a simple and easy way.
What is HDFC Bank?
HDFC Bank is one of the biggest private sector banks in India. It offers various financial services like savings accounts, fixed deposits, loans, credit cards, and internet banking. The bank is known for its excellent customer service and wide network of branches and ATMs.
Whether you’re a student, a working professional, or someone looking for a joint account, HDFC has options for you.
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Types of Bank Accounts in HDFC
Before you learn how to open a bank account in HDFC, you should know the types of accounts available:
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Savings Account – Best for keeping your money safe and earning a small interest.
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Salary Account – Designed for salaried employees. It may offer extra benefits like zero balance.
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Kids Advantage Account – A savings account for children aged 7–18.
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Senior Citizens Account – With added benefits like higher interest rates.
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Women’s Savings Account – Designed for women with special features.
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Student Account – Great for college students with fewer documents required.
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Basic Savings Bank Deposit Account (BSBDA) – For people who want a zero-balance account.
Documents Needed
Here are the main documents you’ll need to open a bank account:
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ID Proof (any one):
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Aadhaar Card
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PAN Card
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Voter ID
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Passport
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Driving License
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Address Proof (any one):
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Aadhaar Card
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Utility Bill (electricity, water, etc.)
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Rent Agreement
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Passport
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Passport-size Photos – Usually 2 photos are required.
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PAN Card – Mandatory for most accounts. If you don’t have one, you can fill Form 60.
If you’re a student, you may need your college ID or admission letter.
How to Open a Bank Account in HDFC – Online Method
Thanks to digital banking, you can now open your account from home. Here’s how to open a bank account in HDFC online:
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Visit HDFC Bank’s Official Website
Go to hdfcbank.com -
Click on “Open an Account”
You’ll see options like Savings Account, Salary Account, etc. Choose the one you want. -
Fill the Online Form
Enter your name, phone number, email, address, and other personal details. -
Upload Documents
Scan and upload your ID and address proof. Make sure they are clear and readable. -
Complete Video KYC (Know Your Customer)
An HDFC executive will connect with you on a video call. They will verify your documents and your identity. -
Get Your Account Details
After successful verification, you’ll get your account number and customer ID through SMS or email. -
Receive Debit Card and Welcome Kit
You’ll receive your debit card and welcome kit by post within a few days.
How to Open a Bank Account in HDFC – Offline (At Branch)
If you prefer visiting a branch, here’s how to open a bank account in HDFC the traditional way:
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Visit the Nearest HDFC Branch
Carry your original documents and passport-size photos. -
Ask for an Account Opening Form
Choose the type of account you want to open and fill the form carefully. -
Submit the Documents
Give your filled form along with ID proof, address proof, and PAN card. -
Verification Process
The bank staff will check your documents and may ask you a few simple questions. -
Deposit Initial Amount
For regular savings accounts, you may need to deposit ₹5,000–₹10,000 as the minimum balance. -
Get Your Passbook and Welcome Kit
You’ll receive a passbook, debit card, cheque book, and internet banking credentials.
Important Tips
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Always double-check your form before submitting.
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Use your official name as printed on your ID.
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Make sure your mobile number and email are active.
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Never share your OTP or passwords with anyone.
Benefits of Having an HDFC Bank Account
Knowing how to open a bank account in HDFC is great, but knowing the benefits is even better:
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Safe and Secure Banking
Your money is safe and insured up to ₹5 lakhs under RBI rules. -
Internet and Mobile Banking
You can transfer money, pay bills, check balance—all from your phone or computer. -
Wide ATM Network
Withdraw cash from thousands of ATMs across India. -
High-Quality Customer Service
24/7 customer care support is available through calls, emails, and branches. -
Attractive Interest Rates
Savings accounts earn interest which is credited every quarter. -
Customized Accounts
HDFC has accounts designed for students, women, senior citizens, and children.
Charges and Minimum Balance
Depending on the type of account, HDFC may ask you to maintain a minimum balance. For example:
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Regular Savings Account – ₹10,000 in metro cities.
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BSBDA / Zero Balance Account – No minimum balance.
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Salary Account – No balance as long as salary is credited monthly.
If you don’t maintain the required balance, you might be charged a fee every month. Always ask the bank staff about this.
Can I Open a Joint Account?
Yes, you can. A joint account means more than one person can operate the account. It’s common among family members or business partners. All account holders will need to submit their documents and sign the form.
What is Video KYC?
This is a short video call with a bank executive to verify your identity. You must show your original documents during the call. It takes just 5–10 minutes and is needed when you open an account online.
How Long Does It Take to Open the Account?
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Online: 24–48 hours after video KYC.
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Offline: Same day or within 2–3 working days.
Can a Minor Open an Account in HDFC?
Yes! Children above 10 years can open a savings account with the help of their parents. HDFC offers a Kids Advantage Account with features like a personalized debit card and parental control.
How to Manage Your Account After Opening
Once you learn how to open a bank account in HDFC, it’s also important to manage it wisely:
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Use Internet Banking to track spending.
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Download the HDFC Mobile App to bank on the go.
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Set SMS and Email Alerts to get updates on your account.
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Keep Your ATM PIN and Passwords Safe – Don’t share them.
Conclusion
Now you know exactly how to open a bank account in HDFC—whether online or by visiting a branch. The process is simple and user-friendly. Choose the account type that suits you best, keep your documents ready, and follow the steps explained here.
By having a bank account in HDFC, you get convenience, security, and a trusted banking partner. So, take the step today and enjoy the benefits of modern banking!
Frequently Asked Questions (FAQs)
Q1. Can I open an HDFC account without going to the branch?
Yes, you can open your account online using HDFC’s official website and complete video KYC.
Q2. What is the minimum balance for an HDFC savings account?
It is usually ₹10,000 in metro cities. However, zero balance accounts are also available.
Q3. How long does it take to open an HDFC bank account?
If you apply online, it takes 24–48 hours. In a branch, it may be done on the same day.
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