If we talk about big banks of India, then it is impossible. That the name of HDFC bank should not come. Because HDFC is one of the best banks in India. So today we will get information about this bank. What is HDFC?
- what is hdfc
- HDFC was founded by who and when
- Who is the CEO of HDFC
- Who was the first CEO of HDFC
- how to open account in hdfc
- HDFC payzapp
- HDFC debit card emi
- how to check hdfc bank balance
- How many types of accounts are there in HDFC
- 1. HDFC saving account
- 2. HDFC salary account
- 3. HDFC current account
- 4. HDFC rural account
- 5. Public Provident Fund Account
- 6. Sukanya Samriddhi Yojana account
- Types of cards in HDFC bank
- HDFC franchise/kiosk center
what is hdfc
The full form of HDFC is Housing Development Finance Corporation . HDFC is a top Indian private bank, which provides various types of banking services. Provides financial services, anyone can open their account in HDFC. And can use its services.
But not everyone can open their account in HDFC bank. As everyone can open their account in banks like bob, sbi. Because while opening an account in HDFC, minimum 10,000 INR has to be deposited. And this balance has to be maintained always, otherwise you may have to pay penalty for it.
By the way, if we talk about the banks of India which are used the most, then there are top banks among them. SBI, BOB, etc. are used more. And the biggest reason for this is their presence, branches of these banks are found almost everywhere. So that people can use them, even in rural areas their branches are present.
But as far as other big banks are concerned, their branches also exist. But in rural areas there is little or no, and HDFC is one of the few top banks in India. And HDFC branches are also found somewhere in the rural areas. But that too very rare, apart from HDFC, you will not find branches of any other big banks in rural areas.
HDFC was founded by who and when
HDFC was founded by Hasmukhbhai Parekh in 1994 in Mumbai, Maharashtra, and currently HDFC is headquartered in Maharashtra.
Who is the CEO of HDFC
The current ceo of HDFC is Shashidhar Jagdishan who was appointed as ceo on 27 October 2020. Who joined HDFC in 1996 and was selected as ceo & md in 2020 in place of aditya puri.
Who was the first CEO of HDFC
The first ceo & md of HDFC was Aditya Puri who held this position for 26 years. And took HDFC to heights and in 2020 this post was assumed by Shashidhar Jagdishan.
how to open account in hdfc
If you are from rural area where there is no HDFC branch, then you cannot open account in HDFC bank. Because to open account in HDFC you have to visit HDFC branch. So it may happen that you have to go 40 – 50 km away.
Definitely you are from any rural area but you can get HDFC branch in about 40 – 50 km. And yes if you are thinking about opening online account in HDFC then I am sorry. Because you cannot open online account in HDFC.
Yes but if you search about opening online account in HDFC then you will get many articles. But remember that process will not open your HDFC account. Rather from that process you can fill the form to open an account in HDFC.
But that will not open your account in HDFC but will just fill the form normally. To submit more documents, you have to visit HDFC branch. Only after that your account will be opened.
The way you use google pay, phonepe etc. Similarly, HDFC also has payzapp, which works exactly like these. Then it does not matter whether you have HDFC bank account or not. If you do not have HDFC account, you can add your other bank account. And transactions can be done through upi.
You will get the option of Reacharge, bill payment, ticket booking, etc. in payzapp. Even you will get the option of wallet like you get the option of wallet in paytm.
HDFC debit card emi
At this time emi is used a lot, due to which people get a lot of convenience. definitely you will know about vehicle or other emi. But would not know about debit card emi and it is very important to know what is debit card emi. And how to use HDFC debit card for emi. so that you can enjoy emi through your debit card
HDFC gives loan on debit card and loan amount depends on your account. With which you can shop from online sites like amazon, flipkart etc. And the best thing is that for this you will not have to go to bank branch or anywhere. HDFC will give you loan from debit card only. Just have to go to whose shopping sites and select your favorite product.
You have to select EMI in the payment method and proceed by entering your HDFC card details. With HDFC debit card, you can buy only those products on emi whose price is at least 5000 INR. If you want, you can check the available loan amount on your debit card. Simply send the text message MYHDFC to 5676712 from the mobile number registered with HDFC. You will get information that how much loan amount can be availed on your HDFC debit card.
how to check hdfc bank balance
By the way, many ways are available to check bank balance at this time, such as phonepe, googlepe (UPI based), HDFC’s own banking app. But apart from these HDFC has done messaging/calling option. Through which you can check your account balance even without internet.
Just give a missed call on 1800 270 3333 from your registered mobile number, or send a message to 5676712 by typing bal. You will be informed through message, how much balance is there in your account
How many types of accounts are there in HDFC
Mainly there are 4 types of accounts in HDFC bank. But after including some government schemes, it has become a total of 6 types of accounts. But the account types provided by the bank are mainly of 4 types. And these four account types have mutiple account types. Although all types of accounts work on the same basis, but there is a difference in their services. You can select the type of account for the type of services you want.
1. HDFC saving account
HDFC savings account is one such account which fulfills almost all your needs. Like netbanking, mobile banking, debit card emi services etc., almost everyone uses only savings account. Then whether it is an urban or a rural, because the savings account is completely suitable for everyone, it is not only in HDFC bank. Rather, in all the banks, most of the people use only savings account. HDFC provides different types of savings accounts, and the services of all of them are slightly different from each other. Which has been prepared for different categories of people.
What are the types of HDFC savings account?
- Specialé Gold And Specialé Platinum
- SavingsMax Account
- Women’s Savings Account
- Regular Savings Account
- Senior Citizen’s Account
- Kids Advantage Account
- Institutional Savings Account
- Basic Savings Bank Deposit Account
- Government Scheme Beneficiary Savings Account
- Basic Savings Bank Deposit Account (BSBDA) Small Account
- Saving Farmers Account
- DigiSave Youth Account
There are a total of 13 types of savings accounts in HDFC, which are designed for different types of people according to their needs and facilities. So that the account with which the customer feels confort. Can open that account, and can enjoy its features.
2. HDFC salary account
HDFC salary account is mainly provided by companies to their employees. Because if anyone opens his account in HDFC bank in his account. So he directly opens a savings account. Because mostly people do not know about the types of bank accounts and their facilities.
Although the salary account is not recovered for any company. But many companies use it for all their employees. Salary account is specially created for employed people. In this account, it is taken care of what is necessary for an employed person. What would that employed person want to do or use?
And HDFC salary account is also of multiple type. You can open that type of salary account for which you are suitable. But it is not necessary, you can choose any account type as per your wish.
Types of HDFC salary account
- Premium With Platinum Debit Card
- Premium With Millennia Debit Card
- Regular Salary Account
- Defence Salary Account
- Government Salary Account
- Family Salary Account
- Classic Salary Account
3. HDFC current account
This is a type of HDFC account which is not used by individuals. Rather current account is used on a large scale, such as charitable trust, housing society, hospital, institute etc. If you operate something like this, or do any business, then HDFC current account will be better for you.
Because HDFC’s other account is for individual. But the current account is used for a bigger purpose by forex exchange, institutional, professionals. Those who work on a large scale do more transactions. Current account is perfect for them.
HDFC current account
- Max Advantage Current Account
- Ascent Current Account
- Activ Current Account
- Plus Current Account
- Premium Current Account
- Regular Current Account
- Smartups For Startups
- Saksham Current Account
- Business Solutions For E-Commerce Industry
- Current Account For Professionals
- Agri Current Account
- Institutional Current Account
- RFC – Domestic Account
- Exchange Earners Foreign Currency (EEFC) Account
4. HDFC rural account
Everyone has different types of needs, and keeping this in mind HDFC has provided rural account. Which is specially designed for farmers, and two types of rural accounts are available.
HDFC rural account
5. Public Provident Fund Account
Almost everyone knows about pf (provident fund), because when anyone goes to work in any company. So pf is also one of the known services provided by the company. But maybe you will not have any idea about ppf.
Because ppf has not been run for the employees of any company but for the convenience of such employees and people. For whom there is no arrangement for any kind of pf or pension. Although it is a government service but it is run through banks. And through HDFC you can create your ppf account and ppf is completely tax free.
In ppf you are given an interest of 7.1%. Loan can also be taken through ppf account, which can be approved very quickly. You can get more information about HDFC ppf account from here as well as check eligibility.
6. Sukanya Samriddhi Yojana account
This scheme is also a government scheme, and it is also operated through banks. Sukanya Samriddhi Yojana has been run for better future of daughters, 7.6% interest is available in this scheme. Sukanya Samriddhi account is also income tax free. So open Sukanya Samriddhi account now for better future of your daughter. Well, here we are talking about HDFC bank, but if you want, you can open Sukanya Samriddhi account through other banks as well, and invest.
Types of cards in HDFC bank
HDFC issues many types of cards which can be issued by the customers as per their requirement. But the terms of the cards are different for all types of cards. HDFC mainly issues 5 types of cards whose list is given below. And there are many types of these cards and that too with different types of services.
HDFC franchise/kiosk center
HDFC also provides kiosk center for the convenience of the users. Due to which the custumers get kiosk centers easily near them. And there is no need to know the bank branch.
Not only HDFC but almost all banks provide kiosk center, which makes their customers very comfortable. So if there is no HDFC branch near you. So no problem, you can get your account opened even by visiting the kiosk center. Even the rest can do all the necessary things which are done in normal banking.
But you cannot manage any major task/changes etc. related to the account from the kiosk center. For these you have to visit HDFC branch.
In this article you learned what is HDFC and HDFC full form. We hope this information will prove useful for you.