How to Close HDFC Bank Account: Step by Step Process

How to Close HDFC Bank Account: Step by Step Process

The process to close an HDFC Bank account is simple and direct. To close an HDFC bank account you need some necessary documentation work, once you are done with the submission of all the required documents the bank will process the closure request. After approval, HDFC Bank will permanently close your account and give you an acknowledgment receipt for the closure. It's advisable to keep this receipt for future reference. This procedure may vary to the branch and customer account type.

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The process to close an HDFC Bank account is simple and direct. To close an HDFC bank account you need some necessary documentation work, once you are done with the submission of all the required documents the bank will process the closure request. After approval, HDFC Bank will permanently close your account and give you an acknowledgment receipt for the closure. It's advisable to keep this receipt for future reference. This procedure may vary to the branch and customer account type.

HDFC Bank Account Closure

The HDFC Bank provides top-notch customer care services and a diverse range of financial products. However, for account holders managing multiple accounts, meeting the minimum balance requirement might pose difficulties. In such situations, opting to close an HDFC Bank account becomes a practical choice for maintaining precise and straightforward management. The account closure process is designed by the bank to be hassle-free and uncomplicated, ensuring that account holders can easily follow the necessary steps to close their HDFC Bank account.

Keynote on HDFC Bank Account Closure

  • Download the closure form from HDFC website
  • Fill details accurately in the form
  • Visit nearest HDFC branch with the form and documents
  • Attach self-attested KYC documents - PAN, Aadhaar etc.
  • Submit original passbook and chequebook
  • Get closure acknowledgement receipt
  • Account closes within 10 days
  • No charges if closed within 14 days
  • Rs. 500 charge if closed within 1 year (Rs. 300 for seniors)
  • No charges after 1 year
  • Settle any negative balance before closure
  • Take backup of account statements
  • Delink auto-debit instructions on card/UPI

Closing HDFC Bank Account Online: Step-by-Step Guide

Closing an HDFC Bank account online is not possible through online channels. However, account holders seeking to terminate their account need to download the account closure form. After downloading and completing the form with all necessary details, they should visit the nearest HDFC branch to finalize the process. It's important to note that there is no requirement for the account holder to visit the home branch specifically; any HDFC branch will suffice for closing the HDFC Bank account.

Permanently Closing HDFC Bank Account: Procedure

Account Balance Withdrawal: Ensure your account balance is zero by transferring funds using platforms like IMPS, NEFT, RTGS, or UPI.

2. Download HDFC Bank Closure Form: Download the account closure form from the official HDFC website, fill it accurately, and take it to the nearest branch.

3. KYC Documents Attachment: Attach KYC documents (PAN card, Aadhaar card, voter ID) to verify your identity. Self-attestation may be required.

4. Submission of Cheque Book and Passbook: Submit your cheque book, passbook, and the filled form. Bring the original identity proof for verification.

5. HDFC Bank Account Closure Acknowledgement: After successful verification, the bank will issue an acknowledgement receipt, and your account will be closed within 10 days.

Points to Remember Before HDFC Bank Account Closure

  1. Open a New Bank Account: If you don't have multiple accounts, open a new one beforehand, meeting various application requirements.
  2. Debit Card Auto Payment Delinking: De-link auto payments on old debit cards and UPI-based mobile applications.
  3. Back-Up of Bank Statements: Keep a backup of bank statements for future requirements.

HDFC Bank Account Closure Charges

  • No charges within 14 days of account opening.
  • Within the first year: Rs 500 or account balance (whichever is lower). For seniors, it's Rs 300.
  • After one year: No closure charges.

Pre-Closure Considerations for HDFC Bank Account

There are some Important points to remember before closing the HDFC bank account, such as: 

  1. Open a New Bank Account: If you don't have multiple accounts, open a new one beforehand, meeting various application requirements.
  2. Debit Card Auto Payment Delinking: De-link auto payments on old debit cards and UPI-based mobile applications.
  3. Back-Up of Bank Statements: Keep a backup of bank statements for future requirements.

Closing HDFC Bank Account Online with Negative Balance

  • Ensure a zero balance before initiating closure.
  • Download the closure form online.
  • Visit the nearest branch with the form and required documents to complete the process.

Closing Without Going to a Branch

  • Download the closure form online.
  • Fill it and visit the branch with relevant documents. Closure cannot be completed online.

HDFC Account Closing Form Download

The procedure to download HDFC Account closure form online is as follows:

HDFC Account closure form online

STEP 1: Mention HDFC Bank account closure in the search engine. 

STEP 2: Click on the “HDFC Bank closure Form”. 

STEP 3: You will find the HDFC Bank account closing form in PDF format. 

STEP 4: Select the download option to obtain the HDFC Bank account closing form. 

Download HDFC Bank account Closure form Now!

HDFC Customer Care for Account Closure Assistance

For any queries, contact HDFC customer care at 1800 202 6161 or 1860 267 6161, accessible across India.

Make your HDFC Bank account closure a seamless experience with these comprehensive steps.

Related Resource
All-Inclusive Guide to Get HDFC Mini Statement
HDFC Bank Timings and Working Hours

FAQ's About How to Close HDFC Bank Account

What Happens If The Minimum Balance Is Not Maintained In HDFC Bank account?

As per the government guidelines, if an HDFC bank account holder fails to maintain a minimum account balance, they will be obligated to pay a penalty fee. The penalty fee will be charged concerning the type of account.

Can I Close The HDFC Account Before 1 Year?

Yes, the account holder can close their HDFC Bank account within a year of opening it. However, they will have to pay charges for closing the account.

How Can I Change My HDFC Account To Zero Balance?

The account holder can avail of the option to open a zero balance account with the HDFC bank. However, it is to be noted that there are some limitations present concerning the transactions and operations.

HDFC Bank account close application charge?

The charges to close an HDFC Bank account concern the duration of the account. If the account is closed within 14 days of the opening. No charges should be levied. However, charges will be levied if the duration of the account is more than 14 days and less than a year.

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