HDFC Bank, one of India’s leading private sector banks with over 8,900 branches and 20,000 ATMs, offers a seamless digital simple process to open a savings or salary account online. With features like instant account activation, Video KYC, and zero-balance options. This step-by-step guide explains how to open an HDFC Bank account online in 2025, including eligibility, required documents, and FAQs to help you start your banking journey.
Why Choose an HDFC Bank Account?
HDFC Bank provides a range of savings accounts, such as Regular, InstaAccount, Senior Citizens, and Salary Accounts, with benefits like:
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Attractive Interest Rates: Up to 3.00% p.a. for balances below ₹50 lakh and 3.50% p.a. for balances above ₹50 lakh, credited quarterly.
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Digital Banking: Access NetBanking, MobileBanking, and cardless cash withdrawals via the HDFC Bank app.
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Debit Card Offers: Enjoy cashback, discounts, and insurance benefits with cards like Millennia or MoneyBack.
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Zero-Balance Options: Basic Savings Bank Deposit Account (BSBDA) and Salary Accounts require no minimum balance.
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Video KYC: Complete identity verification from home, avoiding branch visits.
Eligibility Criteria
To open an HDFC Bank savings or salary account online, you must meet these requirements:
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Citizenship: Resident Indian or Hindu Undivided Family (HUF). Foreign nationals residing in India for over 180 days are eligible.
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Age: 18 years or above. Minors above 10 can open self-operated accounts, while those below 10 require a guardian.
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Existing Accounts: No existing HDFC Bank savings or salary account.
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Documents: Valid Aadhaar and PAN for instant activation, or other KYC documents like passport or voter ID for slower processing.
Documents Required
Prepare these documents for online account opening:
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Identity Proof: Aadhaar card, PAN card, passport, voter ID, driving license, or NREGA job card.
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Address Proof: Aadhaar card, passport, voter ID, driving license, utility bill, or bank statement.
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Additional: Two recent passport-size photographs. Form 16 (if no PAN card is available).
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Note: Aadhaar and PAN enable instant account activation via e-KYC. Other IDs require additional verification, delaying activation.
Step-by-Step Guide to Open HDFC Bank Account Online
HDFC Bank’s InstaAccount feature allows you to open a savings or salary account in minutes using Aadhaar and PAN. Follow these steps:
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Visit the HDFC Bank Website or App
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Go to HDFC Bank’s InstaAccount page or download the HDFC Bank MobileBanking app from Google Play Store or Apple App Store.
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Click “Open Instantly” under “Savings Account” or “Salary Account.”
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Enter Basic Details
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Provide your Aadhaar-linked mobile number and date of birth.
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Enter your PAN number (no need to upload a copy).
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Click “Start Now” and request an OTP sent to your mobile.
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Complete Application Form
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Verify the OTP and fill in personal details (full name, address, email).
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Select the account type (e.g., Regular Savings, BSBDA, Salary Account).
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Upload digital copies of KYC documents if using non-Aadhaar IDs.
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Perform Video KYC
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Schedule a video call with an HDFC Bank official or start instantly.
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Grant access to your device’s location, camera, and microphone.
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Show your Aadhaar card (or other ID) and confirm details during the call.
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The official verifies your identity in real-time.
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Receive Account Details
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Upon successful Video KYC, get your account number and customer ID instantly via email or SMS.
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Your account is auto-enabled for NetBanking and MobileBanking.
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How to Open HDFC Bank Account Online
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Activate NetBanking and Fund Account
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Log in to NetBanking or MobileBanking using your customer ID.
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Reset the password and complete Secure Access registration (set image and challenge questions) within 48 hours for third-party transfers.
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Transfer funds using UPI, digital wallets, or bank transfers (account number and IFSC code available in the app).
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Receive Welcome Kit
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Your debit card (Millennia for online accounts) and chequebook will arrive at your registered address within 15–25 days.
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Note: InstaAccounts using limited KYC are valid for one year. Visit a branch within 12 months to complete full KYC and convert to a regular account.
Minimum Balance Requirements
Minimum Average Monthly Balance (AMB) varies by location, except for zero-balance accounts:
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Metro/Urban: ₹10,000
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Semi-Urban: ₹5,000
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Rural: ₹2,500
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Zero-Balance Accounts: BSBDA and Salary Accounts require no AMB.
Penalties: Non-maintenance charges range from ₹100–₹600 monthly, depending on the shortfall and location.
Tips for a Smooth Process
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Use Aadhaar and PAN: These ensure instant activation, unlike other IDs that may require branch verification.
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Stable Internet: Ensure a strong connection for Video KYC to avoid disruptions.
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Accurate Details: Match your Aadhaar and PAN details to prevent rejection.
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Track Application: Use the reference number to check status if activation is delayed (via HDFC’s “Track My Application” link).
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Contact Support: For issues, call 1800-266-4332 or message via WhatsApp at 70659-70659.
Frequently Asked Questions (FAQs)
1. Can I open an HDFC Bank account online without Aadhaar?
Yes, but using a passport, voter ID, or driving license delays activation as it requires additional verification. Aadhaar enables instant account setup.
2. What is the minimum balance for an HDFC Bank savings account?
₹10,000 for urban, ₹5,000 for semi-urban, and ₹2,500 for rural branches. BSBDA and Salary Accounts are zero-balance.
3. How long does it take to open an HDFC Bank account online?
With Aadhaar and Video KYC, the process takes 10–15 minutes, and you get your account number instantly. Non-Aadhaar applications may take 2–3 days.
4. Is Video KYC mandatory?
Yes, for online account opening, Video KYC is required to verify identity. Without it, you must visit a branch for in-person KYC.
5. Can minors open an HDFC Bank account online?
Minors above 10 can open self-operated accounts, while those below 10 need a guardian. Parents can apply via the Young Stars Account online.
6. What are the interest rates for HDFC Bank savings accounts?
3.00% p.a. for balances below ₹50 lakh and 3.50% p.a. for balances above ₹50 lakh, calculated daily and credited quarterly.
7. Can I use my HDFC InstaAccount immediately?
Yes, once you receive your account number and customer ID, you can transfer funds, use NetBanking, and make cardless ATM withdrawals.
8. What happens if I don’t complete full KYC within a year?
Your InstaAccount will be restricted after 12 months. Visit a branch to complete full KYC and convert it to a regular account.
How to Open HDFC Bank Account Online
For more information visit : https://www.hdfcbank.com/personal/save/accounts/savings-accounts