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HDFC Bank ignored a home loan EMI increase request for 7 days and reset the interest rate before the 6-month fixed period ended

HDFC BankPC-2026-03380Banking & LoansAnonymous ·
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Unresponsive customer service & unauthorized interest rate reset | HDFC Bank Zero turnaround from HDFC Bank on mandated loan repayment option | Loan A/C: ******014 Dear HDFC Bank ​Disappointed by the lack of customer service response from HDFC Bank. ​Following the recent 0.25% interest rate revision, HDFC Bank formally notified me that borrowers who do not wish to have their loan tenure extended can opt to increase their monthly EMI by writing directly to ******. ​I followed their instructions and emailed 7 days ago—followed by reminders—requesting: ​To immediately increase my monthly EMI instead of extending my loan tenure, well in time for my upcoming debit on the 5th. ​Clarification on why the rate reset was triggered prior to the completion of the 6-month fixed period committed at disbursement. ​Despite following HDFC’s official instructions, there has been no reply, no acknowledgement, and no Service Request number generated after an entire week. Quietly extending tenure while ignoring customer requests to adjust EMIs defeats the purpose of the RBI's fair lending guidelines. ​I request the HDFC grievance team to look into this immediately and update my repayment mandate. ​@HDFC Bank @HDFC Bank Cares ​#HDFC #CustomerService #RetailBanking #ConsumerRights #HomeLoan #RBI #BankingGrievance ​

Personal details such as phone numbers, emails and ID or account numbers have been hidden (shown as ******) for privacy. Only the author, the company's approved representatives and Panchaayat staff can see them.

History

  1. Case filed

    Filer · 4 Nov 2026, 4:49 am

Comments (2)

  • 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

  • HDFC Bank (via email)Company

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

    Dear Sir/Madam, Greetings from HDFC Bank! This is with reference to your e-mail dated November 04, 2026 with Subject line: New case registered for HDFC Bank (PC-2026-03380) — Action Required on Panchaayat. We’re unable to clearly understand the nature of your query from your email. What You Can Do Please reply with: A brief explanation of your concern Relevant account details This will help us assist you more effectively. Assuring you of our best services. Warm Regards, Priyadarshini C S Customer Service Officer Email Care Team HDFC Bank Ltd. ------------------------------------------------------------------------------------------------------------------------------------- Manage your HDFC Bank Credit card on the go with "HDFC MyCards" Services Includes - Enquiry of e-statements, Reward points, EMI details, Credit Card Hot-listing and most importantly setting the Credit Card limit, you can also view details of Consumer durable loan and Debit Card EMI. Easy to access on your mobile, please go to https://mycards.hdfc.bank.in and explore many more options. -------------------------------------------------------------------------------------------------------------------------------------

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