1. Choose Your Account Type
HDFC offers several savings account options to suit different needs:
- Regular Savings Account
- SavingsMax (premium accounts)
- Women’s, DigiSave Youth, Senior Citizen, and InstaAccount (basic zero-balance version)
2. Online (InstaAccount) – Fully Digital Journey
You can open an account instantly from home using InstaAccount, complete with Aadhaar-based e-KYC and video verification:
Steps to Open Online
- Visit the official HDFC Bank savings account page and click “Open Instantly”.
- Enter your Aadhaar-linked mobile number, date of birth, and OTP verification.
- Provide PAN or PAN-exempt proof along with contact details and nominee information.
- Consent to a video KYC call, valid within 3 days after initiating.
- Once successful, you receive your account number and customer ID immediately.
Advantages
- NetBanking and MobileBanking enabled instantly
- Debit card, cheque book & welcome kit dispatched to your registered address
- Ability to withdraw cash cardless at HDFC ATMs using your phone
(withdrawals and outgoing transfers activate within 48 hours)
3. Offline (Branch-Based) – Traditional Process
Prefer in-person service? Here’s how to open directly at a branch:
Steps to Open Offline
- Visit your nearest HDFC branch.
- Request and fill out the account opening form (e.g. CRF‑A or official variant).
- Submit original KYC documents (ID proof, address proof, PAN/Form 60, photos).
- Make the minimum deposit if required (₹2,500–₹10,000 depending on branch location).
- The bank processes your application (usually within 2 working days).
- Post-approval, receive your welcome kit and login credentials via SMS/email.
4. Documents Required
| Document Type | Acceptable Options |
|---|---|
| Identity Proof (1) | Aadhaar / Passport / Voter ID / Driving Licence |
| Address Proof (1) | Utility bill / Passport / Aadhaar / Driving Licence |
| Income Proof | PAN card or Form 60 / Form 16 |
| Passport-size photos | Two copies |
5. Salary Setup via Employer
If your company partners with HDFC:
- Your salary account is opened through HR, often with zero balance requirement.
- You’ll receive instant access, with standard benefits like debit card, net banking, and alerts.
6. After Submission: What Happens Next?
- Video KYC (10 AM–11:59 PM daily): You’ll be prompted to join a secure call. Office team will verify your PAN, photograph, and sign digitally.
- Once approved:
- Account becomes fully functional
- Debit card, PIN, and cheque book are sent by post
7. What to Expect & Requirements
- Minimum Initial Deposit:
- Urban branches: ~₹10,000
- Semi‑urban: ~₹5,000
- Rural: ~₹2,500
- Interest on Savings: Around 2.50% p.a., credited quarterly.
- Zero‑balance option: InstaAccount offers accounts with no average balance requirements.
hdfcbank.com
Summary Checklist
| Account Opening Method | Process Highlights | Ideal For |
|---|---|---|
| InstaAccount (Online) | Aadhaar OTP → Enter details → Video KYC | Instant access, convenient setup |
| Branch Account (Offline) | Fill form → Submit documents → Pay deposit | Prefer in-person service |
| Salary Account | Done via employer HR tie-up | Zero-balance, salary credit setup |
Final Advice
- National residents age 18+ can open a savings account (or even a minor account above age 10 with guardian involvement).
- Choosing digital InstaAccount is faster and paperless—but physical forms work too.
- After account creation, enable NetBanking, MobileBanking, and alerts for seamless digital access.
