Need to check your bank balance but don’t have internet access? With HDFC SMS Banking, you can instantly access your account using simple SMS commands — no app or login required.
From checking your balance to getting a mini statement or blocking a card, this service works 24×7 on any mobile phone.
What Is HDFC SMS Banking?
HDFC SMS Banking is a free service that lets you perform basic banking tasks by sending specific keywords from your registered mobile number to a designated number.
Works on any phone (smart or basic)
Available 24×7
Ideal for users with limited internet access
HDFC SMS Banking Number
Send SMS to:
7308080808 (from your registered mobile number)
HDFC SMS Banking Commands (2025)
Use these short, easy codes to get instant responses:
| Service | SMS Format | Example |
|---|---|---|
| 💰 Balance Enquiry | BAL | BAL |
| 📜 Mini Statement | TXN | TXN |
| 🧾 Cheque Book Request | CHQBOOK | CHQBOOK |
| 🏦 Cheque Status | CHQ <cheque no> | CHQ 987654 |
| 🔒 Block Debit Card | BLOCK <last 4 of card> | BLOCK 1234 |
| 📋 Account Details | ACCT | ACCT |
All SMS messages must be sent from the mobile number linked to your HDFC Bank account.
How to Register for HDFC SMS Banking
If your mobile number is already linked to your HDFC Bank account, you’re automatically registered.
To link or update your mobile number:
- Visit your nearest HDFC Bank branch
- Submit a mobile number update form with valid ID
- Activation takes 24–48 hours
SMS Banking vs Missed Call Banking
HDFC also offers missed call services for quick info:
| Service | Missed Call Number |
|---|---|
| Balance | 1800 270 3333 |
| Mini Statement | 1800 270 3355 |
Just give a missed call — you’ll get an SMS reply in seconds.
Is HDFC SMS Banking Safe?
Yes. It only works with your registered mobile number, and sensitive data like OTPs are not shared.
For extra safety:
- Delete SMS replies with sensitive info
- Never share SMS commands or card details with others
- Use HDFC Mobile or NetBanking for transactions and fund transfers
FAQs
Q1: Is HDFC SMS Banking free?
A. Yes. HDFC Bank does not charge for SMS Banking, but SMS charges may apply based on your mobile plan.
Q2: Can I use this service outside India?
A. Yes, but international SMS charges will apply, and your number must still be linked to your account.
Q3: What if I send the wrong command?
A. You’ll receive an error message with instructions to correct it.
Key Takeaways
- Send SMS to 7308080808 from your registered mobile number
- Use simple keywords like
BALandTXNfor quick info - Block lost cards and request cheque books via SMS
- No internet or app needed — works 24×7 on any phone
