Do you also want to open zero balance account in HDFC Bank? Then you must read this article HDFC Bank Zero Balance Account Opening Online . In this article I will tell you how to open zero balance account in HDFC Bank? So read this article completely from beginning to end. Because if you skip a single step then you may face trouble in opening hdfc zero balance account.
Ever since the corona virus has spread in India, the situation in India has also become very bad. Lock down has been imposed in India like the world. All businesses have been greatly affected by this. The banking system has also been completely devastated by this disease.
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Bank officials are also nervous about coming to the bank and the same customer is also nervous about going to the bank. In such a situation, if someone wants to open a savings account in HDFC Bank, then he is in a big dilemma that how to go to that bank, lest he also get this disease. But now you don’t need to panic.
HDFC Bank Zero Balance Account Opening Online
Now everything is becoming digital under Digital India i.e. now if you want to open zero balance account in hdfc bank then there is no need to go to bank. Now you can open a zero balance account in HDFC Bank from a computer sitting at home and even if you do not have a computer, there is no problem.
You can also open a zero balance account in HDFC Bank from your mobile phone. All you have to do is follow some steps and in no time your savings account will be opened in HDFC Bank. So let’s see again how to open zero balance account in HDFC Bank?
This is a salary account, meaning if you want to open a zero balance account in HDFC, then open this account only. If you want to open another premium savings account in one HDFC, then you can open another savings account in HDFC.
Features of HDFC Bank Savings Account
- In this you will get free passbook.
- Get free Rupye card.
- A 25 page check book will be available.
- You can withdraw money from any payment mode (Cash Withdrawal Branch / ATM, NEFT, RTGS, IMPS) 4 times every month. After 5th withdrawal, charges will be applicable as per regular savings account.
- You will get free e-mail statement.
- Easy banking with features like NetBanking, PhoneBanking and MobileBanking that allows you to check your account balance, pay utility bills or even stop check payments via SMS.
For more details visit the official website of HDFC Bank.
Eligibility Criteria for opening HDFC Bank Zero Balance Savings Account
Following are the criteria for opening a savings account with the bank-
- The individual must be a citizen of India,
- the age of the individual must be 18 years or above in case of minor savings account.
- Customers will have to submit valid identity and address proof to the bank.
- Once the bank approves the documents submitted, the applicant will have to make an initial deposit, depending on the type of savings account.
IDFC Bank Zero Balnce Account – Click Here
HDFC Bank Saving account annual subscription charge
Different types of savings accounts come in HDFC bank, for which different charges are levied every year, I have told you in a photo that in which account you will have to pay how much annual charge
HDFC Bank Saving Account Cash Deposit Limit
Different types of banks levy different charges for cash deposits, some banks charge cash deposits and some banks do not, similarly, cash deposits are levied in HDFC Banks. From whom you can see inside the photo, inside it you have been well told that how much you will have to pay, although there is no charge up to some limit, but as soon as you cross the limit, then your charge is levied here.
HDFC Bank Debit Crad annual charge
HDFC Bank issues with Seven types of debit cards, one of them has been given a debit card Rupee debit card, how much is its annual fee and how much you will have to pay in case of damage, you will get all the information about it in this photo. Have a look at this information well
Types of HDFC Bank Savings Account
With a SavingsMax account, you can enjoy automatic sweep-in facility and earn higher interest rate on idle money. The account offers lifetime platinum debit card with accidental hospitalization of Rs. 1 Lac. One of the best benefits of this account is that you can make unlimited cash withdrawals at ATMs. You also get other benefits like free demand draft, passbook, e-mail statement, etc.
Women’s savings account
As the name suggests, this account is specially designed for women and it offers a wide range of benefits like- Rs. 1 For every Rs 200 spent in cash back, around 2% lower interest rate on loans on two wheelers, etc. Women’s savings account allows you preferential rates on loans, free folio maintenance charges in Demat account for the first year, all Free lifetime billpay etc for account holders Overall, this HDFC Bank savings account offers a wide range of benefits for women.
regular savings account
This is another type of HDFC savings account which is designed to meet all your banking needs. You can pay your bills securely and conveniently with BillPay service. As a part of the banking facility, you will get a free personal check book on International Debit Card. The bank also provides you with a deposit locker.
Senior Citizen Account
This account is meant to encourage savings among senior citizens. You can enjoy preferential rates on Fixed Deposits (FDs). Apart from this, you will get Rs. Get an accidental hospitalization reimbursement cover. 50,000 per year. Senior citizens can claim a daily cash allowance of Rs. 500 per day for 15 days of hospitalization.
Kids Advantage Account
This account by HDFC is designed to help you build wealth for your child’s future needs. This is the reason why you can only access limited funds through this account. You can deposit Rs. 1,000 every month. The bank also gives free education insurance cover of Rs. 1 Lac. The account comes with a Debit/ATM card. You can open this account if your child is a minor (below 18 years of age).
Institutional savings account
This savings fund is ideal for NGOs and institutions that are designed for easy payments. Through this account, you can manage the collection of fees, donations etc. through various online modes, for example by linking this account with our POS terminals, payment gateways, payment kiosks etc. The bank offers free and unlimited demand draft in HDFC Bank. Without usage charges, payable space in cross check book, etc.
Basic Savings Bank Deposit Account
This is a zero balance savings account by HDFC. On this account, the bank offers you a free RuPay debit card along with four free cash withdrawals at the branch per month. Residents above 10 years of age, HUF, minors are eligible to open this account. No initial payment is required to open this account.
Government Scheme Beneficiary Savings Account
This is again a zero balance account offered by HDFC. You can opt for Premium Debit Card to meet your banking needs. The account offers a higher cash transaction limit of Rs 10 lakh per month. Residents and minors above the age of 10 years are eligible to open this account.
Basic Savings Bank Deposit Account (BSBDA) Small Account
BSBDA Account is offered to meet all your banking needs. This account comes with a free RuPay debit card, and you get four free ATM withdrawals per month. Resident individuals who do not have proper KYC documents to submit can apply for this account.
Savings Kisan Account
This HDFC Bank Savings Account is exclusively for the farmers who come with the requirement of half yearly balance to suit the seasonal nature of their work. The bank wants to encourage savings among the farmers and helps them to get the full benefits of it. The account offers easy payment options with BillPay facility. You can also do five free transactions with the free debit card at HDFC Bank ATMs.
Digisave Youth Account
This is another type of HDFC savings account for an individual between 18 years and 25 years. The account gives you digital banking, cards, loans and exclusive benefits on movies, movies, food, recharge, travel etc. The account gives a free Millennial Debit Card for the first year, and you can enjoy it year round in a variety of categories.
How to open HDFC Zero Balance Account?
To open a zero balance account in HDFC Bank, first you have to go to the hdfc bank website. After this, first you have to click on Open Instantly. You can see in the image below.
After this a new page Let’s Get Started will open in front of you. Here you have to enter your mobile number and then fill the captcha below and tick the consent and click on proceed.
After this, a 6 digit OTP will come on your phone. You have to enter it and then click on proceed.
After this a new page KYC Document will open in front of you and you will get 4 options. Aadhar Card, Passport, Driving License and Voter ID Card etc. You have to choose one of these. Here I tick on Aadhar card. After this you have to click on agree and here you have to enter your Aadhar card number. After that you have to click on proceed.
After this you have to get your Aadhar card verified. You will get 2 options here. With the first option, you can get your Aadhar card verified by OTP or you can scan your Aadhar card with the second option, then let me click here on the first option AADHAR OTP AUTHENTICATION. After this, here you have to click on the request verification code and enter the Aadhaar OTP and proceed by ticking the confirm.
After this you have to select the account in Select Account Type. This is the most important step you should know which account you want to open. Here you will get 3 options. Saving account, corporate salary account and current account for individual – If I want to open a savings account here, then I click on the savings account.
In Saving Account also you will get 7 different types of Saving Accounts like Regular Saving Account, Saving Max Account, Senior Citizen Account, Women Saving Account, Digisave Youth Account and Basic Saving Bank Deposit Account etc.
If you want to know the feature details of these savings accounts, then you can go to the official website of HDFC Bank, so let me click on Regular Saving Account here and continue.
After this a new page Select A Branch will open. Here you have to select your state and city and enter the name of your nearest branch, in whichever branch you want to open your account. After that click on continue to proceed.
After this you have to enter your personal details here. First of all you have to upload your photograph, keep in mind that upload only a clean photo without any filter. After this you have to enter your name, email id and date of birth here.
After this you have to choose your marital status here (whether you are married or unmarried). After this you have to enter your father’s name and mother’s name. After this you will get 3 options here, you have to enable all three.
After this, you have to enter your PAN card number here and also upload the photo of the PAN card below. After entering all the personal details, you have to click on proceed.
After this you have to fill your address details. The option of residence type is coming at the top, you will get 4 options in it. The house in which you live belongs to the family or is given by a company, is your own house or you live in a rented house. You have to choose the type of residence you have.
After this you have to enter your complete home address here like house number, road number, landmark, state, city, pincode etc.
After this you will get 2 options here. Mailing and Permanent, if this is your Permanent address, then you have to tick it and enter the mailing address below. If your mailing address is also the same then you have to tick both and click on continue.
After this you have to enter occupation details that what work you do. You will find many options here. Whatever work you do, you have to select it and click on continue.
After this you have to fill Nominee Details. First of all you have to enter the name of the nominee and then you have to choose what is your relationship with the nominee here in the relationship with depositor. After this, the date of birth of the nominee has to be entered. After this you have to enter the address of the nominee.
After this, at the top of Extended KYC, you have to select the country where you pay the tax, after that the country where you were born, I allow India to remain here in both. After this, in the state of birth, you have to write the name of the state where you were born, I write Delhi here.
After this, in the tax details, you have to click on both the above options and click on the submit button. If you want, you can review your application once by clicking on the preview button and you can rectify any mistake made. I click submit here.
After that a new page will open in front of you. You can see that our account has been opened. Here you will find your account number, customer id and IFSC code. You can also put money online in your account with the add money below.
HDFC Bank Zero Balance Account Opening Online – Click Here
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So friends, you must have understood that HDFC Bank Zero Balance Account Opening Online, as well as if you want to open a different type of account in this bank, you must have got the information inside it if you want more information. So you can comment us, we will wait for your comment and we will definitely reply back to your comment.