The Housing Development Finance Corporation Limited (HDFC) was amongst the first to

receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the
private sector, as part of the RBI's liberalisation of the Indian Banking Industry in 1994. The
bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered
office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank
in January 1995.

HDFC is India's premier housing finance company and enjoys an impeccable track record in
India as well as in international markets. Since its inception in 1977, the Corporation has
maintained a consistent and healthy growth in its operations to remain the market leader in
mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has
developed significant expertise in retail mortgage loans to different market segments and also
has a large corporate client base for its housing related credit facilities. With its experience in the
financial markets, a strong market reputation, large shareholder base and unique consumer
franchise, HDFC was ideally positioned to promote a bank in the Indian environment.

HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to build sound
customer franchises across distinct businesses so as to be the preferred provider of banking
services for target retail and wholesale customer segments, and to achieve healthy growth in
profitability, consistent with the bank's risk appetite. HDFC Bank's business philosophy is based
on four core values - Operational Excellence, Customer Focus, Product Leadership and People.

Capital Structure

As on 30th June, 2010 the authorized share capital of the Bank is Rs. 550 crore. The paid-up
capital as on said date is Rs. 459,69,07,030/- (45,96,90,703 equity shares of Rs. 10/- each). The
HDFC Group holds 23.63 % of the Bank's equity and about 17.05 % of the equity is held by the
ADS Depository (in respect of the bank's American Depository Shares (ADS) Issue). 27.45% of
the equity is held by Foreign Institutional Investors (FIIs) and the Bank has about 4,33,078
shareholders.
The shares are listed on the Bombay Stock Exchange Limited and The National Stock Exchange
of India Limited. The Bank's American Depository Shares (ADS) are listed on the New York
Stock Exchange (NYSE) under the symbol 'HDB' and the Bank's Global Depository Receipts
(GDRs) are listed on Luxembourg Stock Exchange under ISIN No US40415F2002.

On May 23, 2008, the amalgamation of Centurion Bank of Punjab with HDFC Bank was
formally approved by Reserve Bank of India to complete the statutory and regulatory approval
process. As per the scheme of amalgamation, shareholders of CBoP received 1 share of HDFC
Bank for every 29 shares of CBoP.

The merged entity will have a strong deposit base of around Rs. 1,22,000 crore and net advances
of around Rs. 89,000 crore. The balance sheet size of the combined entity would be over Rs.
1,63,000 crore. The amalgamation added significant value to HDFC Bank in terms of increased
branch network, geographic reach, and customer base, and a bigger pool of skilled manpower.

In a milestone transaction in the Indian banking industry, Times Bank Limited (another new
private sector bank promoted by Bennett, Coleman & Co. / Times Group) was merged with
HDFC Bank Ltd., effective February 26, 2000. This was the first merger of two private banks in
the New Generation Private Sector Banks. As per the scheme of amalgamation approved by the
shareholders of both banks and the Reserve Bank of India, shareholders of Times Bank received
1 share of HDFC Bank for every 5.75 shares of Times Bank.

HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of 1,725
branches spread in 780 cities across India.All branches are linked on an online real-time basis.
Customers in over 500 locations are also serviced through Telephone Banking. The Bank's
expansion plans take into account the need to have a presence in all major industrial and
commercial centres where its corporate customers are located as well as the need to build a
strong retail customer base for both deposits and loan products. Being a clearing/settlement bank
to various leading stock exchanges, the Bank has branches in the centres where the NSE/BSE
have a strong and active member base.
The Bank also has 4,393 networked ATMs across these cities. Moreover, HDFC Bank's ATM
network can be accessed by all domestic and international Visa/MasterCard, Visa
Electron/Maestro, Plus/Cirrus and American Express Credit/Charge cardholders.

Mr. C.M. Vasudev has been appointed as the Chairman of the Bank with effect from 6th July
2010 subject to the approval of the Reserve Bank of India and the shareholders. Mr. Vasudev has
been a Director of the Bank since October 2006. A retired IAS officer, Mr. Vasudev has had an
illustrious career in the civil services and has held several key positions in India and overseas,
including Finance Secretary, Government of India, Executive Director, World Bank and
Government nominee on the Boards of many companies in the financial sector.
The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25 years, and
before joining HDFC Bank in 1994 was heading Citibank's operations in Malaysia.
The Bank's Board of Directors is composed of eminent individuals with a wealth of experience
in public policy, administration, industry and commercial banking. Senior executives
representing HDFC are also on the Board.
Senior banking professionals with substantial experience in India and abroad head various
businesses and functions and report to the Managing Director. Given the professional expertise
of the management team and the overall focus on recruiting and retaining the best talent in the
industry, the bank believes that its people are a significant competitive strength.

HDFC Bank operates in a highly automated environment in terms of information technology and
communication systems. All the bank's branches have online connectivity, which enables the
bank to offer speedy funds transfer facilities to its customers. Multi-branch access is also
provided to retail customers through the branch network and Automated Teller Machines
(ATMs).
The Bank has made substantial efforts and investments in acquiring the best technology available
internationally, to build the infrastructure for a world class bank. The Bank's business is
supported by scalable and robust systems which ensure that our clients always get the finest
services we offer.
The Bank has prioritised its engagement in technology and the internet as one of its key goals
and has already made significant progress in web-enabling its core businesses. In each of its
businesses, the Bank has succeeded in leveraging its market position, expertise and technology to
create a competitive advantage and build market share.

HDFC Bank offers a wide range of commercial and transactional banking services and treasury
products to wholesale and retail customers. The bank has three key business segments:

Wholesale Banking Services

The Bank's target market ranges from large, blue-chip manufacturing companies in the
Indian corporate to small & mid-sized corporates and agri-based businesses. For these
customers, the Bank provides a wide range of commercial and transactional banking services,
including working capital finance, trade services, transactional services, cash management,
etc. The bank is also a leading provider of structured solutions, which combine cash
management services with vendor and distributor finance for facilitating superior supply
chain management for its corporate customers. Based on its superior product delivery /
service levels and strong customer orientation, the Bank has made significant inroads into the
banking consortia of a number of leading Indian corporates including multinationals,
companies from the domestic business houses and prime public sector companies. It is
recognised as a leading provider of cash management and transactional banking solutions to
corporate customers, mutual funds, stock exchange members and banks.
Retail Banking Services
The objective of the Retail Bank is to provide its target market customers a full range of
financial products and banking services, giving the customer a one-stop window for all
his/her banking requirements. The products are backed by world-class service and delivered
to customers through the growing branch network, as well as through alternative delivery
channels like ATMs, Phone Banking, NetBanking and Mobile Banking.
HDFC Bank was the first bank in India to launch an International Debit Card in association
with VISA (VISA Electron) and issues the Mastercard Maestro debit card as well. The Bank
launched its credit card business in late 2001. By March 2010, the bank had a total card base
(debit and credit cards) of over 14 million. The Bank is also one of the leading players in the
“merchant acquiring” business with over 90,000 Point-of-sale (POS) terminals for debit /
credit cards acceptance at merchant establishments. The Bank is well positioned as a leader
in various net based B2C opportunities including a wide range of internet banking services
for Fixed Deposits, Loans, Bill Payments, etc.
Treasury
Within this business, the bank has three main product areas - Foreign Exchange and
Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the
liberalisation of the financial markets in India, corporates need more sophisticated risk
management information, advice and product structures. These and fine pricing on various
treasury products are provided through the bank's Treasury team. To comply with statutory
reserve requirements, the bank is required to hold 25% of its deposits in government
securities. The Treasury business is responsible for managing the returns and market risk on
this investment portfolio.

Credit Rating
The Bank has its deposit programs rated by two rating agencies - Credit Analysis & Research
Limited (CARE) and Fitch Ratings India Private Limited. The Bank's Fixed Deposit
programme has been rated 'CARE AAA (FD)' [Triple A] by CARE, which represents
instruments considered to be "of the best quality, carrying negligible investment risk". CARE
has also rated the bank's Certificate of Deposit (CD) programme "PR 1+" which represents
"superior capacity for repayment of short term promissory obligations". Fitch Ratings India
Pvt. Ltd. (100% subsidiary of Fitch Inc.) has assigned the "AAA ( ind )" rating to the Bank's
deposit programme, with the outlook on the rating as "stable". This rating indicates "highest
credit quality" where "protection factors are very high"
The Bank also has its long term unsecured, subordinated (Tier II) Bonds rated by CARE and
Fitch Ratings India Private Limited and its Tier I perpetual Bonds and Upper Tier II Bonds
 rated by CARE and CRISIL Ltd. CARE has assigned the rating of "CARE AAA" for the
subordinated Tier II Bonds while Fitch Ratings India Pvt. Ltd. has assigned the rating "AAA
(ind)" with the outlook on the rating as "stable". CARE has also assigned "CARE AAA
[Triple A]" for the Banks Perpetual bond and Upper Tier II bond issues. CRISIL has assigned
the rating "AAA / Stable" for the Bank's Perpetual Debt programme and Upper Tier II Bond
issue. In each of the cases referred to above, the ratings awarded were the highest assigned by
the rating agency for those instruments.
Corporate Governance Rating
The bank was one of the first four companies, which subjected itself to a Corporate
Governance and Value Creation (GVC) rating by the rating agency, The Credit Rating
Information Services of India Limited (CRISIL). The rating provides an independent
assessment of an entity's current performance and an expectation on its "balanced value
creation and corporate governance practices" in future. The bank has been assigned a
'CRISIL GVC Level 1' rating which indicates that the bank's capability with respect to wealth
creation for all its stakeholders while adopting sound corporate governance practices is the
highest.

AWARDS AND RECOGNITION

HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian
Bank". We realised that only a single-minded focus on product quality and service excellence
would help us get there. Today, we are proud to say that we are well on our way towards that
goal. It is extremely gratifying that our efforts towards providing customer convenience have
been appreciated both nationally and internationally.

Institutional Investor HDFC Bank MD, Mr. Aditya Puri among "Asian Captains of Finance 2010"
Magazine Poll
IDRBT Technology Winner - 1) IT Infrastructure 2) Use of IT within the Bank
2009 Awards Runners-up - IT Governance (Large Banks)
ACI Excellence Awards Highly Commended - Asia Pacific HDFC Bank
 2010
FE-EVI Green Business Best performer in the Banking category
Leadership Award
Celent's 2010 Banking Model Bank Award
Innovation Award
Avaya Global Connect Customer Responsiveness Award - Banking & Financial Services category
2010
Forbes Top 2000 Our Bank at 632nd position and among 130 Global High Performers
Companies
Financial Express -
Ernst & Young Survey  Best New Private Sector Bank
2009-10  Best in Growth
 Best in strength
Asian Banker
Excellence Awards  Best Retail Bank in India
2009  Excellence in Automobile Lending
 Bank M&A Integration
 Technology Implementation
The Asset Triple A Best Cash Management Bank in India
Awards
Euromoney Private 1) Best Local Bank in India (second year in a row)  2) Best Private Banking
Banking and Wealth Services overall (moved up from No. 2 last year)
Management Poll 2010
Financial Insights Innovation in Branch Operations - Server Consolidation Project
Innovation Awards
2010
Global Finance Award Best Trade Finance Provider in India for 2010
2 Banking Technology 1) Best Risk Management Initiative and 2) Best Use of Business Intelligence.
Awards 2009
SPJIMR Marketing 2nd Prize
Impact Awards (SMIA)
2010
Business Today Best Listed in top 10 Best Employers in the country
Employer Survey

We are aware that all these awards are mere milestones in the continuing, never-ending journey
of providing excellent service to our customers. We are confident, however, that with your
feedback and support, we will be able to maintain and improve our services.
The last twelve years have been very fulfilling. We can of course wax eloquent about it in so
many ways, but they say, figures don't lie, so we will let the figures do all the talking. They will
give you a fair idea of how we have grown in the past few years .

Joining the Winning Team

HDFC Bank is a young and dynamic bank, with a youthful and enthusiastic team determined to
accomplish the vision of becoming a world-class Indian bank.

Our business philosophy is based on four core values - Customer Focus, Operational
Excellence, Product Leadership and People. We believe that the ultimate identity and success
of our bank will reside in the exceptional quality of our people and their extraordinary efforts.
For this reason, we are committed to hiring, developing, motivating and retaining the best people
in the industry.

Mission and Business Strategy

Our mission is to be "a World Class Indian Bank", benchmarking ourselves against international
standards and best practices in terms of product offerings, technology, service levels, risk
management and audit & compliance. The objective is to build sound customer franchises across
distinct businesses so as to be a preferred provider of banking services for target retail and
wholesale customer segments, and to achieve a healthy growth in profitability, consistent with
the Bank's risk appetite. We are committed to do this while ensuring the highest levels of ethical
standards, professional integrity, corporate governance and regulatory compliance.

Our business strategy emphasizes the following :

Increase our market share in India’s expanding banking and financial services industry by following a
disciplined growth strategy focusing on quality and not on quantity and delivering high quality customer
service.
Leverage our technology platform and open scaleable systems to deliver more products to more customers and
to control operating costs.
Maintain our current high standards for asset quality through disciplined credit risk management.
Develop innovative products and services that attract our targeted customers and address inefficiencies in the
Indian financial sector.
Continue to develop products and services that reduce our cost of funds.
Focus on high earnings growth with low volatility.
Our Citizen's Charter offers relevant information about the products, facilities and services we
provide. Customers can also find out about the time norms for various banking transactions, our
policy on customer information, and the process followed for redressal of grievances.

Types of Deposit Accounts Premature Withdrawal of Term Safe Deposit Lockers

Account Opening & Operation of Deposit Deposit Redressal of complaints &
Account Renewal of Term Deposit grievances
Nomination Facility Advance Against Deposits Service Charges
Interest Payments Deceased Deposit Accounts Exchange of Soiled/ Mutilated notes
Minor's Accounts Insurance Cover for Deposits ATM Card / Debit Card Hot listing
Account of Illiterate / Blind Person Stop Payment Facility Pension Accounts
Addition or Deletion of the name/s of Joint Dormant Accounts No Frills Account
A/c holders Standing Instructions Foreign Exchange Services
Customer Information Direct Debit Time Norms for Various Banking
Secrecy of Customers Transactions
Cheque Collection Policy

HDFC Bank recognizes the importance of good corporate governance, which is generally
accepted as a key factor in attaining fairness for all stakeholders and achieving organizational
efficiency. This Corporate Governance Policy, therefore, is established to provide a direction and
framework for managing and monitoring the bank in accordance with the principles of good
corporate governance.

The bank was amongst the first four companies, which subjected itself to a Corporate
Governance and Value Creation (GVC) rating by the rating agency, The Credit Rating
Information Services of India Limited (CRISIL). The rating provides an independent assessment
of an entity's current performance and an expectation on its "balanced value creation and
corporate governance practices" in future. The bank has been assigned a 'CRISIL GVC Level 1'
rating for the second consecutive year, which indicates that the bank's capability with respect to
wealth creation for all its stakeholders while adopting sound corporate governance practices is
the highest. The Composition of the Board of Directors of the Bank is governed by the
Companies Act, 1956, the Banking Regulation Act, 1949 and the listing requirements of the
Indian Stock Exchanges where the securities issued by the Bank are listed. The Board has a
strength of eleven (11) Directors as on March 31, 2010. All Directors other than Mr. Aditya Puri,
Mr. Harish Engineer and Mr. Paresh Sukthankar are non-executive directors. The Bank has five
independent directors and six non-independent directors. The Board consists of eminent persons
with considerable professional expertise and experience in banking, finance, agriculture, small
scale industries and other related fields.

None of the Directors on the Board is a member of more than ten (10) Committees and Chairman
of more than five (5) Committees across all the companies in which he/she is a Director. All the
Directors have made necessary disclosures regarding Committee positions occupied by them in
other companies.

Mr. Jagdish Capoor, Mr. Keki Mistry, Mrs. Renu Karnad, Mr. Aditya Puri, Mr. Harish Engineer and Mr. Paresh
Sukthankar are non-independent Directors on the Board.
Mr. Arvind Pande, Mr. Ashim Samanta, Mr. Gautam Divan, Mr. C. M. Vasudev and Dr. Pandit Palande are
independent directors on the Board.
Mr. Keki Mistry and Mrs. Renu Karnad represent HDFC Limited on the Board of the Bank.
The Bank has not entered into any materially significant transactions during the year, which could have a
potential conflict of interest between the Bank and its promoters, directors, management and/or their relatives,
etc. other than the transactions entered into in the normal course of business. The Senior Management have
made disclosures to the Board confirming that there are no material, financial and/or commercial transactions
between them and the Bank which could have potential conflict of interest with the Bank at large.

PRODUCTS
Banking should be effortless. With HDFC Bank, the efforts are rewarding. No matter what a
customer's need and occupational status, we have a range of solutions that are second to none.

Whether you're employed in a company and need a simple Savings account or run your own
business and require a robust banking partner, HDFC Bank not only has the perfect solution for
you, but also can recommend products that can augment your planning for the future.

Savings Accounts

These accounts are primarily meant to inculcate a sense of saving for the future, accumulating
funds over a period of time. Whatever your occupation, we are confident that you will find the
perfect banking solution. Open an account in your name or register for one jointly with a family
member today.

  Regular  Salary 
  Savings Plus    Classic 
  SavingsMax    Payroll 
  No Frills    Regular 
  Institutional Savings    Premium 
  Senior Citizens    Defence
  Retail Trust    Kisan No Frills Savings
  Kids Advantage    Kisan Club Savings
  Pension Savings    Reimbursement

Current Accounts

Now, with an HDFC Bank Current Account, experience the freedom of multi-city banking! You
can have the power of multi-location access to your account from any of our 1,725 branches in
780 cities. Not only that, you can do most of your banking transactions from the comfort of your
office or home without stepping out.

We make it our business to help you with your business by offering you a Current Account with
all the benefits you need to stay ahead of your competition.
At HDFC Bank, we understand that running a business requires time and money, also that your
business needs are constantly evolving. That's where we come in. We provide you with a choice
of Current Account options to exclusively suit your business - whatever the size or scope.

Open an HDFC Bank Current Account & control your business operations centrally.

Plus Trade Premium

Regular RFC Domestic Flexi Current 
Apex Max

Fixed Deposits

Long-term investments form the chunk of everybody's future plans. An alternative to simply
applying for loans, fixed deposits allow you to borrow from your own funds for a limited period,
thus fulfilling your needs as well as keeping your savings secure.

Regular Fixed Deposit SuperSaver Sweep-In

5 Year Tax Saving Fixed Deposit
Haven't you occasionally dreamt of buying a PC , a car of your choice or even travelling abroad?
Your dreams are now within your reach. Whatever your need, we offer an entire range of loan
products.

Personal Loans

A wedding in the family? Maybe your house needs renovation? Our range of Personal Loans
brings you one step closer to your dreams.

SmartDraft

Need additional funds? SmartDraft offers you an easy-to-use overdraft facility of upto 3 times
your salary

Home Loans

Get the home of your dreams - with a little help from us.

Two Wheeler Loans

With flexible payment options and easy repayment, our Two Wheeler Loan offers the perfect
excuse to purchase that bike you've always wanted.

New Car Loans

Drive away the car of your dreams - with our New Car Loan!

Used Car Loans

Choose any used car manufactured in India and we'll put you in the driver's seat!*

Gold Loan

With HDFC Bank's Gold Loan, you can get an instant loan against your gold jewellery and
ornaments. The procedure is simple, documentation is minimal and approval is quick.

Educational Loans

Bridging the gap between you and higher education.

Loans Against Securities

Get an overdraft against your securities like Equity Shares, Mutual Fund Units, GOI Relief
Bonds, LIC Policies, NSC, KVP, UTI Bonds (6.60% ARS Bonds & US64 Bonds).

Loans Against Property

Get a loan against your residential or commercial property. Flexibility to choose between an EMI
based loan or an Overdraft.

Loans Against Rental Receivables

Need additional funds for your business? Our Loan against Rent Receivables gives you the
perfect opportunity to supplement your regular cash flow.

Health Care Finance

Do you need medical equipment that will change your clinic/hospital into a modern day
diagnostic center, but don't know where to get the finance?

Retail Agri Loans

A convenient and hassle-free loan to meet your farming production and investment requirements.

Tractor Loans

If you are looking for finance to buy your tractor, you have come to the right place. We offer
hassle-free Tractor laon with the best terms for funding at the most attractive rates in India.

Commercial Vehicle Finance

If you are looking for finance to buy your commercial vehicle, you have come to the right place.
We offer hassle-free Commercial Vehicle Loan with the best terms for funding at the most
attractive rates in India.

Construction Equipment Finance

If you are looking for finance to buy your construction equipment, you have come to the right
place. We offer hassle-free Construction Equipment Loan with the best terms for funding at the
most attractive rates in India.

Warehouse Receipt Loans

Realize better prices and avoid distress sale for your commodity on availing HDFC Bank
Warehouse Receipt Loans. The procedure is simple, documentation is minimal and approval is
quick.
Our range of Cards help you meet your financial objectives. So whether you are looking to add
to your buying power, conducting cashless shopping, or budgeting your expenditure, you will
find a card that suits you.

Credit Cards

Besides arming you with unmatched spending power, our Credit Cards are designed to meet your
unique needs. Choose one that's tailored for you. The best credit cards are available here,
including even the online credit cards service Netsafe.
 
Premium Credit Cards Commercial Cards
Platinum Plus Credit Card Corporate Platinum Credit Card
Platinum Plus Chip Credit Card Corporate Credit Card
Visa Signature Credit Card Business Platinum Credit Card
World MasterCard Credit Card Business Gold Credit Card
    Purchase Card
    Distributor Card
 
Titanium Card Other Cards
Titanium Credit Card Silver Credit Card
    Visa Value Plus Credit Card
 
Gold Credit Cards    
Gold Credit Card    
Woman's Gold Card

Debit Cards
What if you could carry your bank account with you? HDFC Bank Debit Cards give you
complete and instant access to the money in your accounts without the risk or hassle of carrying
cash. Choose from:
 
Classic Cards Premium Cards
EasyShop International Debit Card EasyShop Gold Debit Card

Specialised Cards
EasyShop International Business Debit Card
EasyShop Woman's Advantage Debit Card
EasyShop NRO Debit Card
EasyShop Titanium Debit Card

Prepaid Cards

Besides offering convenience, our Prepaid Cards have been tailored to answer your travel and
gifting needs.

Choose the one that best answers your needs:

 
ForexPlus Card  ForexPlus Chip Card 
Prepaid Travel Card - to manage your overseas A pre-paid traveller's card designed to give
expenses. you greater security and increased protection.

GiftPlus Card  FoodPlus Card 

Prepaid Gift Card - Gift the freedom of Prepaid FoodPlus Card - Freedom from
choice! cumbersome meal vouchers.
MoneyPlus Card 
The Corporate Payment Card - Freedom from
cash disbursement / administrative hassles.
When you bank with us, we ensure your money is not just in safe hands; it also works to your
advantage. We help you invest wisely through our financial and investment services. Profit from
our expertise.

Wealth Advisory Services

This exclusive service* comes to you with an array of unmatched benefits.

   
Mutual Funds

Invest through the Mutual Fund route to meet your varied investment objectives.

Systematic Investment Plan

Tax Planning

At HDFC Bank we offer a number of advantageous tax saving investment options

   
Insurance

Life insurance is designed to offer financial protection for you and your family during the times
of uncertainties. Choose from a range of traditional insurance and unit linked plans designed to
help you with your savings, retirement, investment and protection needs.

Traditional Plans Unit Linked Plans

HDFC Children's Plan HDFC Unit Linked Pension Supreme
HDFC Money Back Plan HDFC Unit Linked Endowment Supreme Suvidha
HDFC Savings Assurance Plan HDFC Unit Linked YoungStar Supreme Suvidha
 HDFC Assurance Plan HDFC Unit Linked Wealth Builder
HDFC Term Assurance Plan HDFC Unit Linked YoungStar Supreme
HDFC Loan Cover Term Assurance Plan HDFC Unit Linked Pension Maximiser II
HDFC Endowment Assurance Plan HDFC Unit Linked Endowment Supreme
HDFC Single Premium Whole of Life Insurance HDFC Unit Linked Pension Champion
Plan

Are you a frequent flyer for business or often holiday abroad? Are you an importer/exporter of
foreign and Indian goods?

If you need to deal in foreign currency and keep tabs on exchange rates every now and then,
transfer monies to India, make payments etc., HDFC Bank has a range of products and services
that you can choose from to transact smoothly, efficiently and in a timely manner.

We offer the following Foreign Exchange Products and Services.

Foreign Exchange and Trade Services

The following are different methods of transacting in Foreign Exchange and remitting money.

Travellers Cheques
Foreign Currency Cash
ForexPlus card
ForexPlus Chip card
Foreign Currency Drafts
Cheque Deposits
Remittances
Cash to Master
Trade Services
Forex Services Branch Locator
 Important guidelines and schedules

All Foreign Exchange transactions are conducted by strictly adhering to RBI guidelines.
Depending on the nature of your transaction or point of travel, you will need to understand your
Foreign Exchange limits.

RBI Guidelines
Forex Limits
Non HDFC Bank Account Holders
FAQs

With HDFC Bank's payment services, you can bid goodbye to queues and paper work. Our range
of payment options make it easy for you to pay for a variety of utilities and services.

Verified by Visa (VBV)/ MasterCard SecureCode

Do you want to be worry free for your online purchases. Now you can shop securely online with
your existing Visa Debit/Credit card.

NetSafe

Now shop online without revealing your HDFC Bank Credit Card number. Whats more,
you can now use your HDFC Bank Debit Card also for online purchases.

Merchant Services

Accept all Visa, MasterCard, credit and Debit cards at your outlets through state of the art POS
Machines or through your website and experience hassle free payment acceptance.

Prepaid Mobile Refill

If you are an HDFC Bank Account holder, you can now recharge your Prepaid Mobile Phone
with this service.

ngpay

ngpay offers a range of services from it's network of partners. In a simple, consolidated menu,
you can discover and choose merchants or service providers with whom you want to transact.

BillPay

Pay your telephone, electricity and mobile phone bills at your convenience. Through the Internet,
ATMs, your mobile phone and telephone - with BillPay, our comprehensive bill payments
solution.

Visa BillPay

Pay your utility bills from the comfort of your home! Pay using your HDFC Bank Visa credit
card and forget long queue and late payments forever

PayNow

Use your HDFC Bank Credit Card to pay your utility bills online, make subscriptions and
donations; no registration required. Enjoy credit free period and reward points as per your credit
card features.

Register&Pay

Enjoy complete bill payment solution under one roof. View and pay all your mobile, telephone,
electricity bills and insurance premia on-line. Register once and get sms and e-mail alerts
everytime your bill is received.

InstaPay

Pay your bills, make donations and subscribe to magazines without going through the hassles of
any registration.

DirectPay

Shop or Pay bills online without cash or card. Debit your account directly with our DirectPay
service!

Visa Money Transfer

Transfer funds to any Visa Card (debit or credit) within India at your own convenience through
HDFC Bank's NetBanking facility.

e-Monies National Electronic Funds Transfer

Transfer funds from your account to other Bank accounts across India using HDFC Bank's
NetBanking facility

Online Payment of Excise & Service Tax

Make your Excise and Service Tax payments at your own convenience through HDFC Bank's
NetBanking facility.

Online Payment of Direct Tax

HDFC Bank was the first private sector bank to be authorised by the Central Board of Direct
Taxes (CBDT) as well as the Reserve Bank of India for collection of direct tax
 Online payment of DVAT and CST

HDFC Bank is one of the first few banks to launch an Internet payment option for payment
Online payment of Delhi Value Added Tax (DVAT) and Central Sales Tax (CST). Through this
facility you can now make your DVAT & CST payments at your own convenience through
HDFC Bank's NetBanking facility.

Online payment of GVAT

HDFC Bank is one of the first few banks to launch an Internet payment option for payment
Online payment of Gujarat Value Added Tax (Gujarat VAT). Through this facility you can now
make your VAT payments at your own convenience through HDFC Bank's NetBanking.

Religious Offerings

Now donate to your favorite temple easily and securely using HDFC BANK's NetBanking.

Donate to Charity

Now donate to your favorite organisation easily and securely using HDFC BANK's NetBanking.

RTGS Funds Transfer

RTGS is an inter-bank funds transfer system, where funds are transferred as and when the
transactions are triggered (i.e. real time).
 HDFC Bank Imperia Banking

HDFC Bank Imperia Premium Banking programme is designed for the royalty of today - you. It
seeks to enhance the exclusivity that you are accustomed to and pampers you with services that
others can only dream about.

Be it a dedicated Client Relationship Manager, customised investment advisory or exclusive

privileges, Imperia takes care of every little detail to ensure a banking experience like no other.

HDFC Bank Preferred Banking

If you expect more from everything, even your bank, we invite you into the world of exclusive
banking. Where you will never again have to wait to be served. With our HDFC Bank Preferred
Programme, your comfort always comes first.

Ideal for seasoned professionals or businessmen, this programme will provide you with a banker
dedicated to take care of all your banking and investment needs. It also means you get
preferential rates on various banking products and other exclusive benefits.

HDFC Bank Classic Banking

If you want to experience banking beyond the ordinary, our HDFC Bank Classic Programme is
just for you.
Becoming an HDFC Bank Classic customer entitles you to a host of benefits, including a
bouquet of preferentially priced products and specialised Investment solutions.
At HDFC Bank, we understand the value of your time and the opportunities it holds for you.
Your personal financial investment needs might get overlooked, while you attend to your
business and professional needs. In line with this, we are pleased to offer to you a customised
Investment Advisory Service for your existing portfolios and regular investable surpluses.

The service offers research – based advice to optimise returns on your investment portfolio
across a range of financial instruments, keeping in line with your profile and investment
objectives. Your existing portfolio is analysed to advice you on rebalancing to obtain an
optimum asset mix. Here, a dedicated advisor regularly guides you through the evolution of new
market opportunities, to evaluate and restructure your existing investment portfolio.

Recognition from Euromoney

A testament to our endeavor towards providing exceptional service is the rank that we have
earned in the Euromoney Private Banking Survey 2010:
Rated as the Best Private Bank in India.

Wherever you are, your bank is always accessible. Experience total control and convenience
with our range of innovative services.
NetBanking is HDFC Bank's Internet Banking service. Providing up-to-the-second account
information, NetBanking lets you manage your account from the comfort of your mouse -
anytime, anywhere.

We take great pleasure in announcing that the HDFC Bank NetBanking service is now available
for Credit Cards also. Now using your HDFC Bank Credit Card has become more convenient and
time saving. You can now access your Credit Card account from home or office or even while
traveling. With NetBanking you can view your card account information and do much more just
at the click of a button. Currently the following Credit Cards Netbanking features are available :-

View

Account Information
Unbilled Transactions
Credit Card Statement
Download Card Statement (upto last 6 months)

Request for

Autopay Register (Only for HDFC Bank account holders)

Autopay Deregister
 Statement on E-Mail
Credit Card ATM PIN
Register New Card
Deregister Card
Credit Card Payment (Only for HDFC Bank account holders)

This service is offered completely free and you can be assured of complete privacy when you
use our NetBanking facility. For registration process details and other queries, please refer to the
frequently asked questions (FAQs) section.
Register your Credit Card for Netbanking now and access your Credit Card account anytime,
anywhere.

PhoneBanking services are a combination of IVR and Agent offering, depending on the type of
transaction. For all transactions that cannot be completed on the IVR such as reporting loss of
cards, logging complaints, requests & queries, PhoneBanker-assisted services are available.

Avail of the following services via PhoneBanking:

Check your account balance - Get up-to-the-second details of your Savings or Current
Accounts and your Fixed Deposits. You can also get the details of the last 5 transactions on
your account, or have a mini statement of last 15 transactions faxed across to you.
Enquire on the cheque status - You can use PhoneBanking to check on the status of
cheques issued or deposited from anywhere in India.
Order a Cheque Book / Account Statement - Just call PhoneBanking and get your Cheque
Book or latest Account Statement delivered at your doorstep.
Stop Payment - Stop payment of a single cheque or a series of cheques, 24 hours a day.
Loan Related queries - Get details of the outstanding loan amount, enquire about your loan
account, request for an interest certificate and repayment schedule, etc. Just call
PhoneBanking in your city, select your preferred language and dial 4 to speak to our
PhoneBanker.
Demat Related Queries - Get details of Account holding, Transaction details, ISIN Number
of a scrip, status of Depository Slips, Client Master list details, Charges for the account and
others. Call PhoneBanking in your city, select your preferred language & dial 5 to speak to
our PhoneBanker.
Open a Fixed deposit *#- Talk to our PhoneBanker to open a Fixed Deposit over the phone,
by simply authorising a transfer of funds from your Savings Account.
Transfer Funds between accounts*# - You can also transfer money from one of your
accounts to another. Both accounts must be linked to your Customer ID. You can transfer
amounts upto Rs 1 Lac in a single day.
Pay your bills - Pay your cellular, telephone, electricity bills through PhoneBanking using
BillPay, a comprehensive bill payments solution. Know more about BillPay.
Re-generation requests for ATM / Debit card PIN / NetBanking IPIN,etc - Call
PhoneBanking in order to regenerate your ATM / Debit card PIN / NetBanking IPIN,etc.
Report loss of your ATM / Debit / Prepaid Card - If your ATM / Debit / Prepaid Card is
lost, call any PhoneBanking number to hotlist / block your card(s).
Learn about all our other products - Get details on HDFC Bank products & services by
talking to our PhoneBanker.
Enquire about latest Interest / Exchange rates - Get latest Interest rates on Deposits and
Foreign Exchange rates by talking to our PhoneBanker.
Request a Demand Draft / Manager's Cheque #** - Call PhoneBanking and get a Demand
Draft / Manager's Cheque delivered to your doorstep.
Just register for our InstaAlert service and receive updates on your account as and when the
select transaction happens - all this without visiting the branch or ATM!

You can register for any or all of the following alerts:

Debit transactions greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000
Credit in account greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000
Account Balance below Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000-
Weekly account balance
Salary Credits*
Utility bill payment due Alert**

Your Mobile is now your bank! Now access your bank account and conduct a host of banking
transactions through your mobile, with our unique MobileBanking service.You can check your
account level information such as balance details, mini statement, cheque status as well as carry
out financial transactions such as Funds Transfer using HDFC Bank MobileBanking service.
Using our MobileBanking service, you can avail of a host of features at your finger tips
Perform funds transfers *
Get your balance details
Obtain your last 3 transaction details
Request a cheque book
Stop a cheque payment
Enquire cheque status
Request an account statement
Get Fixed Deposit details
Request for I-PIN generation
Request a cheque book

With wide spread network of 4,393 ATMs across India, enjoy the following benefits at your
convenience.

24-hour access to Cash - Withdraw up to Rs.15, 000/- per day on your ATM Card and up to
Rs. 25,000 on your Debit Card. To know more click here.
Personalised Cash Withdrawals – Save time on your cash withdrawal transactions by pre-
setting your preferred language / account / amount.
View Account Balances & Mini-statements - Get details of the last 9 transactions on your
account with the mini-statement, along with your account balance.
Change ATM PIN - Change your ATM PIN at any given point in time.
Order a Cheque Book / Account Statement
HDFC Bank Credit Card Payment - Make payment of your HDFC Bank Credit Card dues
 using the ATM. The primary account of your Debit / ATM card will be debited.
Deposit Cash or Cheques - Deposit Cash or Cheques into your account without visiting the
Branch. Available at Non-Branch HDFC Bank ATMs.
Transfer Funds between accounts – Transfer money between your accounts. Both accounts
must be linked to your ATM / Debit Card. Maximum of 16 A/cs (Savings / Current) can be
linked to a card.
Refill your Prepaid Mobile – Refill your prepaid mobile using Prepaid Mobile Refill service
instantly. To know more about Prepaid Mobile Refill click here.
Pay your Utility Bills - Pay your mobile, telephone and electricity bills through the ATM
using BillPay, a comprehensive bill payments solution. To know more about Bill Pay click
here.
Cheque Status Enquiry - Get information about status of the cheque issued from your
account.
NetBanking Password Request – Request for your NetBanking Password (IPIN) and the
same will be dispatched to your recorded mailing address.
There are no charges levied for use of other Bank cards on HDFC Bank ATMs for cash
withdrawals and balance inquires.

OneView is a revolutionary service from HDFC Bank that allows you to manage multiple
accounts in different banks through one single online interface.

If you are an HDFC Bank customer and have one or more accounts with Citibank, ICICI Bank,
HSBC India, Standard Chartered Bank then OneView is just right for you.
 Features & Benefits

No need to individually log on to internet banking of every account. Just log on to One View
and manage upto FIVE accounts in different banks.
Remember only ONE password.
No charges whatsoever - Enjoy this convenience, absolutely FREE!

HDFC Bank introduces Email Statements for all its Savings & Current account holders.

The good news is, you can now receive your statements via email without any delays. You also
have the option to maintain the statement on email, print it or save it on a CD.

Essentially, you will receive the same information you would normally receive by mail, but now
at the click of a button.

Features & Benefits

Email Statements are FREE.

If you have a savings account you will get monthly Email Statements.
If you have a current account you can opt for daily / weekly / monthly Email Statements
Physical statements will be discontinued if you opt for Email Statements.
Email Statements will follow a staggered cycle, based on the date of account opening.
Even if you are registered for hold mails, you can opt for Email Statements.
Get information on our new products and mandatory information online.
 Email Statements will be non-combined statements.

Welcome to the networked world of HDFC Bank. You can open an account at any branch
nearest to your residence or office and access it at any branch in the city or anywhere in the
country.

The sophisticated computerised network gives you the flexibility of accessing your Savings or
Current Account from any of our over 1,725 branches and over 4,393 ATMs across India.