HDFC Blocked Account Without Valid Reason

[vishwajeet]

Hello,

My Mother opened a savings bank account on 11th june 2025. She is a senior citizen. Due to some technical difficulties, She was unable to complete the Video KYC. On 13th June She completed full KYC at the Branch and account got activated successfully. She then transfer funds to her account which is basically her life long savings. on 12th June She made a small 377 rs UPI transaction and on 13th june HDFC blocked her account any valid reasons. She contacted the Branch they said they sent many emails but no luck so far.

She also raised a complaint by posting on X and got a case registered. But still no luck. Any ideas guys how to unblock the account? Any help will be helpful. Does anyone know the MD helpdesk of HDFC bank?

 

[Dreams Of Desire 💓]

Physically visit the branch manager. Give written complaint. Take acknowledgement(ask for xerox of complaint or take photo with signature of employees)
File grievance at hdfc portal. Wait 7 days.
Most probably it is just kyc issue for newly created account. As hdfc has billions of different systems for single thing without any interconnection between them.
Take a lesson and don't keep all money in one account. Keep atleast 3 two should be public.

 

[Beyond]

submit senior citizen consent to operate online account. In hdfc by default senior citizen are blocked from doing banking remotely. (stupid but its what it is)
No other bank does this

 

[Beyond]

see this form here-

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Footer/Resource/Forms%20Centre/Content/Detail%20Page/Forms%20Center%20-personal/Senior-Citizen-consent-Debit-and-Credit-Card-Instant-PIN.pdf

 

[sunit123]

As a thumb rule, never use primary account for UPI...Open an account with some small bank for upi...if it is blocked also..no worries

 

[praful47]

Hello,

My Mother opened a savings bank account on 11th june 2025. She is a senior citizen. Due to some technical difficulties, She was unable to complete the Video KYC. On 13th June She completed full KYC at the Branch and account got activated successfully. She then transfer funds to her account which is basically her life long savings. on 12th June She made a small 377 rs UPI transaction and on 13th june HDFC blocked her account any valid reasons. She contacted the Branch they said they sent many emails but no luck so far.

She also raised a complaint by posting on X and got a case registered. But still no luck. Any ideas guys how to unblock the account? Any help will be helpful. Does anyone know the MD helpdesk of HDFC bank?

Did she transacted to some merchant ?

 

[praful47]

HDFC har ek transaction ko monitor karra .
Ek galat UPI aur account freeze

 

[sunit123]

Seems

Did she transacted to some merchant ?

Seems Rs 377 UPI transaction by his mother is culprit...Yahan 200 Rs ki UPI transaction ke liye 93.50 Crore freeze ho gaye..UPI is slowly becoming curse.

Delhi HC Asks MHA to Draft Policy on Freezing Bank Accounts

The Delhi High Court urges the MHA to create SOPs for bank account freezing in cybercrime cases to prevent undue financial hardship.

www.medianama.com

 

[thanix]

If account is activated only on 13th June, how she could have done UPI transaction on 12th June itself?

 

[Astromit]

If account is activated only on 13th June, how she could have done UPI transaction on 12th June itself?

A new HDFC account starts functioning immediately after opening online, even if the video KYC isn’t completed. I used one such HDFC account for an entire year without completing the KYC, and it worked like a normal account until the bank eventually closed it after a year.