How to Close Your HDFC Bank Account (Permanently)

If you have any financial problems or do not want to operate your HDFC bank account, you should close your bank account. Because to avail of all the banking facilities, you need to maintain a minimum balance in your bank accounts.

Hence, if you fail to maintain the same, the bank will charge a maintenance fee of Rs 150/- to Rs 600/-. It is the largest bank and provides the fastest banking services to its customers. This bank is also the one where you also need to maintain a minimum monthly balance.

However, most bank account holders try to maintain multiple bank accounts. But, that is the problem, and you are likely to fail to maintain the minimum balance.

It is not easy for typical customers to operate multiple bank accounts in different banks. Therefore, it would be best for you to close less important bank accounts.

However, if you have decided to close your account, it is a very simple process. So, if you want to know how to close your HDFC Bank account, this guide will help you.

Steps to Close HDFC Bank Account Permanently

Try to withdraw all funds from your HDFC bank account before closing the account permanently. You can easily transfer the entire amount from your account to another bank by using UPI or any other payment app.

If you have AutoPay enabled on your account, disable it. Following are the steps required to close the HDFC Bank account permanently.

1. Visit the nearest HDFC branch and get the closure form over the counter.
2. Fill out the closure form correctly with all the required details.
3. Submit the closure form to the Bank Manager. If you have any bank documents like a debit card, chequebook or passbook, hand them over.
4. Do not forget to carry original ID proof with you as the manager may ask for confirmation.

After confirmation, the manager will give you an acknowledgement receipt, and your HDFC Bank account will be closed within 7-8 working days.

Note: If you have found any problems with the account closure procedure, you can call on 1800 22 1006 number for assistance. HDFC customer care executive will assist you with all your bank account closure-related problems.

How to Close HDFC Bank Account Online?

Unfortunately, there are no direct methods online to close HDFC Bank accounts. You can download HDFC Bank Account Closure Form online, and you don’t need to visit the branch.

Fill out the closure form correctly, and submit it at the nearest HDFC office, whose address you can quickly locate online. But before proceeding, you need to clear all the balance from your account by visiting the branch.

How to Close HDFC Account with a Negative Balance?

Before closing the HDFC bank account, you have to make zero balances in your bank account. If you have a negative balance in your HDFC bank account, then you cannot close it online.

You need to transfer via UPI or mobile payment app or deposit the same amount in your account by visiting the branch.

Next, get the closure form at the counter, fill it out and submit it to the manager. The manager will verify the details and confirm your closing account.

Minimum balance Required for HDFC Bank account

The minimum required balance of the HDFC regular savings account is as follows:

HDFC Bank Account Closure Charges

There will be no charge for HDFC Bank account closure within 14 days after opening. The minimum required account balance will be charged if the HDFC Bank account is closed after 14 days of opening or within 12 months. However, the best course of action is to discuss this with your bank manager. It may change over time.

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