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how to close hdfc bank account


How to close HDFC Bank Account | How To Close HDFC Bank Account Permanently

HDFC Bank is the largest private bank in India today. Which is known for its service and customer care. But according to the new rules, you have to maintain a balance of a certain amount in the account every month. Which is difficult to maintain from all the people. In such a situation, if you want to know How to Close HDFC Bank Account Permanently in Hindi, then read the post completely.

Before closing HDFC account, know about their Minimum Average Balance Requirements and AMB non-maintenance Charges.

HDFC Minimum Average Balance Requirements

  • Metro/Urban Branches : AMB Rs.10,000/-,
  • Semi-Urban Branches: AMB Rs.5,000/- ,
  • Rural Branches: AQB Rs.2,500/- or Fixed Deposit of Rs. 10,000 for minimum 1 year 1 day period

Charges applicable on non-maintenance

AMB Slabs
(in Rs.)
Metro & Urban Semi Urban
>=7,500 to < 10,000 Rs. 150/- NA
>=5,000 to < 7,500 Rs. 300/- NA
>=2,500 to < 5,000 Rs. 450/- Rs. 150/-
0 to < 2,500 Rs. 600/- Rs. 300/-

AQB – Average Quarterly Balance of Rural Branches

AQB Slabs (in Rs.) Balance Non-Maintenance Charges* (per quarter) – Rural Branches
>= 1000 < 2,500 Rs. 270/-
0 – <1000 Rs. 450/-

Minimum balance requirement for metro or urban area is Rs. 10,000, for small urban area the minimum balance requirement is Rs. 5000 and Rs.3000 for rural areas. If you cannot maintain minimum account balance, the bank will give you penalty along with minimum balance charge.

Suppose you have multiple accounts in other banks, then maintaining minimum account balance in all the bank accounts can be difficult. The easiest way to get rid of the minimum balance charge is to balance or close your account. The account closure process is very straightforward. You have to follow some steps. If you are looking for how to close hdfc account, here is how you can do it.

How to close HDFC bank account online?

Sadly, you cannot close HDFC Bank account online; However, to close HDFC Bank account, you do not need to visit any home branch. You can download the online account closure form below and visit the nearest HDFC Bank branch to close your HDFC account online.

Read also: How to create HDFC Bank UPI ID

How to close HDFC Bank account permanently?

If you are looking for a way to close your HDFC Bank account, then we have great news for you. The good news is that closing HDFC account online is not a lengthy process. In this article, we will talk about how you can close HDFC Bank account.

  • Withdraw Balance from your HDFC Bank Account
  • Before closing your account, make sure that you have withdrawn all your funds from your HDFC account. Additionally, you can transfer your entire balance to another account through UPI, NEFT, RTGS, or IMPS.
  • Download HDFC Bank Account Closure Form
  • You can also download the account closure form from the official website of HDFC Bank and take the filled form to the branch.
  • fill hdfc bank account closure form
  • After withdrawing the balance from your account visit your nearest branch and get the account closure form and fill the form with correct details.
  • Attach your KYC documents
  • Along with the HDFC Bank account closure form, all account holders need to attach a copy of KYC documents, such as a copy of PAN, which also serves as proof of identity and proof of address. The account holders may also be requested to self attest these documents.
  • Submit Balance Check Leaves, Debit Card and Passbook
  • Now submit the form along with Debit Card, Passbook and Checkbook to the bank executive. Make sure to bring ID proof with you as the executive may ask for verification.
  • Collect HDFC Bank Account Closure Acknowledgment Receipt
  • After submitting the account closure form along with other documents required for closure of your bank account, the executive will give you a copy of the acknowledgment and your HDFC Bank account will be closed within 10 working days.

If you have any problem with the account closure process, you can call on 1800 22 1006 for further assistance. The customer care executive will answer all your queries related to account closure.

Download HDFC Bank Account Closure Form Pdf

hdfc account closure charges

There are no charges if you close your HDFC Bank account within 14 days of opening it. If the HDFC Bank account is closed after 14 days of opening or within 12 months of opening, a fee of Rs 500 or the account balance, whichever is less, will be charged.

time period Charges
14 Days of Account Opening nil
15 Days -12 Months of Account Opening. Rs.200 or balance in the A/c (whichever is lower)
12 Months after Account Opening nil

how to close hdfc bank account with negative balance online

If you have negative balance in your HDFC Bank account, you cannot close it online. You have to make the account balance zero. You can do this by making an online money transfer to the account. However, you will need to complete the account closure process and submit the account closure form in person at the branch.

read this also: how to complain in hdfc bank

Frequently Asked Questions:

How can I close my HDFC account?

To close your HDFC Bank account, you need to visit your nearest branch where you can ask for the account closure form. After receiving the form fill all the requirements and submit the form to the bank executive along with debit card, passbook and checkbook. Your account will be closed within 10 working days. Make sure to carry an ID card in case the bank executive asks for verification.

Can we close bank account online?

Can we close bank account online?
Currently, you cannot close your bank account online. However, you can download the account closure form from the HDFC website and visit the branch to close your account.

Are there any charges for closing HDFC Bank account?

No charges will be levied if the account is closed within 14 days of account opening or after 12 months. If the account is closed between 15 days and 12 months after opening, Rs 500 (Rs 300 for senior citizens) will be charged.

What happens if the minimum balance is not maintained in HDFC Bank?

If you cannot maintain the minimum balance in your account, you will be penalized with penalty charges. The penalty fee depends on the account type and region.

Can I close HDFC account before 1 year?

You can close your account at any time. But if you close the account between 15 days to 12 months of account opening, you will get Rs. 500 will be imposed.

How can I convert my HDFC account to zero balance?

HDFC Bank Zero Balance Savings Account can be opened by any individual who does not have any other account with the bank. Zero balance savings account can be opened in HDFC Bank, but you have certain transaction and operational limits.

my experience

I had a salary account in HDFC Bank. Which after leaving the job turned into a savings account. multiple times from my account AMB non-maintenance charges As money was deducted. So I decided to close it. Here you can watch this video.

If you had a salary account, then you just have to provide your bank details on the form. But still, if you have any doubt regarding “How to Close HDFC Bank Account Online”, then ask in comments, we will be happy to assist you. You can also call HDFC Bank Customer Care for more details.

See also  [2022] Cardless cash withdrawal HDFC Bank
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