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HDFC Bank Siminoi branch raised current account minimum balance from ₹10,000 to ₹1,00,000 without notice and moved ₹30,000 into an FD without consent

HDFC BankPC-2026-03213Banking & LoansAnonymous ·
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Serious Concerns About Customer Trust and Transparency at HDFC Bank – Siminoi Branch, Dhenkanal, Odisha | Requesting Immediate Intervention from the CEO I am raising serious concerns about the transparency, accountability and customer service practices at the Siminoi Branch of HDFC Bank. My family has had two very disappointing experiences with this branch, which have seriously shaken our trust in the bank. 1. Sudden Increase in Current Account Minimum Balance My father opened a Current Account at the Siminoi HDFC Bank branch when the minimum balance requirement was ₹10,000. However, we recently came to know that the minimum balance requirement has increased to ₹1,00,000. My question is simple: How can such a significant change be introduced without properly informing the customer? Was any prior notice sent through SMS, email, letter or any other official communication channel? I personally visited the branch and discussed this matter with the Branch Manager. Even he appeared surprised and advised me to contact customer care. 2. Fixed Deposit Created in My Mother's Savings Account Without Her Knowledge Around 3–4 years ago, my mother also opened a Savings Account at the same branch. We later discovered that ₹30,000 from her account had been placed into a Fixed Deposit without her knowledge or confirmation, as per our understanding. How can a customer's money be moved into a financial product without ensuring that the customer has knowingly authorised the transaction? My parents are ordinary customers who trusted HDFC Bank with their hard-earned money. They may not be fully familiar with banking procedures, technical terms or digital banking facilities. Does that mean their trust can be taken for granted? People open bank accounts to keep their money safe, not to face unexpected changes or transactions they do not recall authorising. I REQUEST HDFC Bank CEO AND SENIOR MANAGEMENT TO LOOK INTO THESE MATTERS URGENTLY: 1. Provide a clear explanation for increasing the current account minimum balance from ₹10,000 to ₹1,00,000. 2. Share proof of prior communication regarding this change. 3. Investigate why ₹30,000 from my mother's savings account was placed into a Fixed Deposit and provide proof of her consent. 4. If any action was taken without proper authorisation, take immediate corrective measures. 5. Ensure that customers, especially elderly and financially less-informed individuals, are treated fairly and transparently. I sincerely hope this complaint reaches the CEO Anup Bagchi and the appropriate senior management team. Please do not simply redirect us to customer care. We expect a proper investigation, a written explanation and a satisfactory resolution. How can customers continue to trust a bank if they are not kept informed about important changes and transactions involving their own money? #HDFCBank #CustomerRights #BankingTransparency #CustomerExperience #BankingGrievance #Odisha #CustomerService ​ ​ ​ ​

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  1. Case filed

    Filer · 3 Nov 2026, 7:47 am

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  • HDFC Bank (via email)Company

    Received via email from the company's official address · Sender: support@hdfc.bank.in

    Dear Customer, Thank you for writing to us. This is a system-generated response to acknowledge receipt of your e-mail. The subject line contains case reference number/docket number allotted to your email. This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence. Our Customer Service Executive will respond within 2 working days. In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution. We request you to bear with us in the interim. IMPORTANT: For reporting and reissuance of lost or stolen Cards, reporting of frauds or unauthorized transactions, blocking of Net banking/ account/ UPI and ATM transaction disputes you can call our toll-free number 1800 258 6161. In addition to this we request you to also report the incident to National Cyber Crime Helpline at 1930 or through online portal at https://cybercrime.gov.in/Webform/Crime_AuthoLogin.aspx or www.cybercrime.gov.in. Alternatively, you can use the SMS facility to immediately block HDFC Bank NetBanking and MobileBanking by sending an SMS "BLOCK OB" to ****** from your registered mobile number in case of any suspicious activity. All linked customer IDs will be blocked, and you will receive an SMS confirming the status. To unblock, please visit the nearest branch. To block your Debit Card: SMS "BLOCK DC XXXX" (replace XXXX with the last four digits of your Debit Card) to ****** from your registered mobile number. To block your Credit Card: SMS "BLOCK CC XXXX" (replace XXXX with the last four digits of your Credit Card) to ****** from your registered mobile number. To block UPI payments: SMS "BLOCK UPI" to ****** from your registered mobile number You can now check your account Balances and statements, Credit Card Transactions, Reward Points, Convert to EMI, Loan Services and more on the go. Please save ****** and say Hi on WhatsApp to experience our new Chat Banking. For more queries / assistance - Just Ask Eva by clicking following link!!! Your personal Chat agent to help you 24 x 7: Note : Important update w.r.t your E-mail ID In case you are holding any banking relationship and there is a change in Email ID we advise you update your e-mail id in Bank records. Registering your correct e-mail ID offers significant long-term benefits and conveniences to you in receiving statements and important updates. To update your e-mail id in Bank records, you can download the request form through "Forms Center" and submit the copy of the completed application form to any the nearest branches or Nearest Retail Asset Loan Service centers for Loan Product. To Find Nearest HDFC Bank Branches & Retail Asset Loan Service center you may visit the below Link. Your association is greatly valued by the Bank, and we will spare no efforts to resolve the matter quickly. Assuring you of our best services. Warm Regards, HDFC Bank Ltd

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