HDFC Bank Ltd. (HDFC Bank), Grievances
Showing report from 01 Jan 2025 to 13 Aug 2025.
| # | Nature of Grievance | Total Grievances Received | Disposed | Pending |
|---|---|---|---|---|
| 1 | Delay/ Denial Services | 725 | 658 | 67 |
| 2 | Amount debited without user consent | 420 | 379 | 41 |
| 3 | Account Block/ Hold without Informing Consumer | 369 | 344 | 25 |
| 4 | Misbehavior / Misselling by bank staff/ DSA/ Agents | 249 | 214 | 35 |
| 5 | Sector Enquiry | 234 | 234 | 0 |
| 6 | Charging higher rate of Interest/service charges /Excess Billing | 202 | 180 | 22 |
| 7 | Others | 180 | 136 | 44 |
| 8 | Amount not received in bank ac refunded from third party | 141 | 126 | 15 |
| 9 | Wrongly amount transfer to someone other account By Customer | 133 | 111 | 22 |
| 10 | Excess EMI/ ECS Charged | 130 | 118 | 12 |
| 11 | Charges debited for not maintaining minimum balance/Average monthly balance | 122 | 109 | 13 |
| 12 | Amount sent to wrong / unknown beneficiry account | 107 | 96 | 11 |
| 13 | Complaints related to rewards / loyalty points/cash-back | 103 | 95 | 8 |
| 14 | Credit Score related Complaints | 93 | 83 | 10 |
| 15 | Delay in processing/ sanction/ disbursement of loan | 79 | 68 | 11 |
| 16 | Bill paid, still showing pending / Bill not generated | 77 | 71 | 6 |
| 17 | Delay in providing NOC/ TDS Certificate/ other docs | 66 | 59 | 7 |
| 18 | Promotional/Spam and Recovery call received from Bank | 66 | 56 | 10 |
| 19 | Excess amount charged during foreclosure /Completion/Settlement of loan | 61 | 56 | 5 |
| 20 | Online Transaction failed / delayed but amount got debited from account | 59 | 54 | 5 |
| 21 | Charged excess/ increase in service charges | 58 | 49 | 9 |
| 22 | Excess EMI/ECS debited from account | 47 | 45 | 2 |
| 23 | Charging higher rate of interest than on agreement | 45 | 41 | 4 |
| 24 | Amount deducted from Account/wallet but not credited in beneficiary Account | 39 | 37 | 2 |
| 25 | Amount debited but not dispensed from ATM | 39 | 36 | 3 |
| 26 | Insurance policy issued without consent | 38 | 35 | 3 |
| 27 | Unsatisfied Customer Services | 38 | 34 | 4 |
| 28 | KYC details are not linked/incorrect updation | 32 | 30 | 2 |
| 29 | Loan Denied | 31 | 24 | 7 |
| 30 | Fraudulent Tranaction-Purchased product on Social media platform-Facebook/WhatsApp/Instagram/Twitter | 28 | 25 | 3 |
| 31 | Fraudulent Tranaction-Call received on the name of Company | 28 | 28 | 0 |
| 32 | Delay in activation of inactive / inoperative account | 27 | 25 | 2 |
| 33 | Delay/Denial in providing subsidy for Priority loan | 25 | 18 | 7 |
| 34 | Still showing dues even after settlement/closure of loan | 24 | 22 | 2 |
| 35 | Transaction Failed but Money not refunded | 24 | 20 | 4 |
| 36 | Fraudulent Tranaction-Sharing of Link/OTP/QR Code | 23 | 19 | 4 |
| 37 | Money/refund/Cash back not got credited | 23 | 21 | 2 |
| 38 | Amount Deducted from wallet/account without consumer consent | 20 | 18 | 2 |
| 39 | Account /wallet Amount Blocked | 19 | 18 | 1 |
| 40 | Delay in providing a new account/internet banking / M-banking/SMS services/ Locker Services | 18 | 17 | 1 |
| 41 | Delay in issuance / Delivery of Debit Card/ Cheque book/ Passbook/ Bank Statement/Pin No. | 17 | 13 | 4 |
| 42 | Eccess /Extra /Incorrect transaction charges levied by Bank/ Merchant | 16 | 11 | 5 |
| 43 | Fraudulent Tranaction-Money invested through Website/APPs | 15 | 13 | 2 |
| 44 | No reduction in rate of Interest as per RBI Notification | 12 | 9 | 3 |
| 45 | Delay in clearance of Cheque/ DD | 12 | 12 | 0 |
| 46 | Fraudulent Tranaction- OTP Shared & Money deducted | 11 | 11 | 0 |
| 47 | Amount not received in bank ac refunded from third party | 11 | 11 | 0 |
| 48 | Charges debited for not maintaining minimum balance/Average monthly balance | 9 | 9 | 0 |
| 49 | Delay in settlement of deceased account - Saving/ FD | 9 | 8 | 1 |
| 50 | Wallet has been blocked by the respective company | 8 | 7 | 1 |
| 51 | Delay in providing/ Transferring maturity amount | 7 | 6 | 1 |
| 52 | Mobile App is not working | 6 | 5 | 1 |
| 53 | MDR/convenience charges taken while using card | 6 | 5 | 1 |
| 54 | Promised cashback /gift not provided | 6 | 5 | 1 |
| 55 | Late Payment Charges reversed but tax amount not reversed | 6 | 6 | 0 |
| 56 | Fraudulent Tranaction-Selling product via E-Commerce Platform like OLX or Quikr etc | 6 | 6 | 0 |
| 57 | Amount Deducted from Account but not showing in wallet | 5 | 4 | 1 |
| 58 | Credit Score related Complaints | 5 | 5 | 0 |
| 59 | Fraudulent Tranaction-Purchased product on Social media platform-Facebook/WhatsApp/Instagram/Twitter | 5 | 5 | 0 |
| 60 | Discrepancy in amount dispensed from ATM | 5 | 5 | 0 |
| 61 | ATM Machine not working/ No Money in ATM | 4 | 3 | 1 |
| 62 | Bank not giving compensation for the delay in resolving ATM complaint | 3 | 3 | 0 |
| 63 | Unable to set Additional Factor Authentication for Card | 3 | 3 | 0 |
| 64 | Excess amount charged during foreclosure /Completion/Settlement of loan | 3 | 3 | 0 |
| 65 | Fraudulent Tranaction-Call recived for Winning Prize/Lottery/Money Increased | 3 | 3 | 0 |
| 66 | Fraudulent Tranaction-Money invested through Website/APPs | 3 | 3 | 0 |
| 67 | Unable to pay via BHIM UPI ID of the Beneficiary/Aadhar Number/ Account number | 3 | 1 | 2 |
| 68 | Unable to withdraw amount from wallet | 3 | 3 | 0 |
| 69 | Wallet has been debited twice for the same transaction/service or product | 3 | 3 | 0 |
| 70 | Merchant Convenience charges taken while swaping card | 3 | 2 | 1 |
| 71 | Delay in activation of inactive / inoperative account | 3 | 3 | 0 |
| 72 | KYC completed but not updated in app | 2 | 2 | 0 |
| 73 | Delay in issuance / Delivery of Debit Card/ Cheque book/ Passbook/ Bank Statement/Pin No. | 2 | 2 | 0 |
| 74 | Fraudulent Tranaction-Call received on the name of Company | 2 | 2 | 0 |
| 75 | Deposit not renewed / Auto renewed without instructions | 2 | 2 | 0 |
| 76 | SMS /OTP /Notification Not Received on Register Number | 2 | 2 | 0 |
| 77 | Maintance issue in POS Machine | 1 | 1 | 0 |
| 78 | Amount paid but E-Gift card details not provided / less Amount provided in E-Gift card Provided | 1 | 1 | 0 |
| 79 | Counterfeit/ damaged/ fake notes dispensed from ATM | 1 | 1 | 0 |
| 80 | Unable to use gift card/cashback /reward Point | 1 | 0 | 1 |
| 81 | Excess EMI/ECS debited from account | 1 | 1 | 0 |
| 82 | Not able to reset/change UPI PIN /Authentication Password | 1 | 1 | 0 |
| 83 | Delay in providing/ Transferring maturity amount | 1 | 1 | 0 |
| Grand Total | 4470 | 4011 | 459 | |