HDFC denying DigiSave Youth Account, citing ₹25k MAB rule in metros – what should be my next step?

[Rajx99]

Hi all,

I need some expert guidance on an issue I am facing with HDFC Bank.

I already have a Savings Max account with HDFC. I wanted to open a DigiSave Youth Savings Account (I’m eligible as per the age criteria).

Here’s what happened:

• I tried applying online, but the application kept throwing errors.
• When I visited my branch, they flatly denied opening DigiSave Youth, saying that the product is “no longer being opened in metro branches”.
• On further discussion, the staff told me that in metro areas, as per their internal guidelines, they are not opening any savings account variant below ₹25,000 MAB.
• Since this didn’t sound right, I raised a complaint via HDFC’s grievance portal. A ticket ID was created and the resolution deadline is Sept 3rd.
• Instead of resolving, the branch has now been calling me repeatedly, requesting me to close the complaint without giving any proper written confirmation. (branch mail reply attached)
• I have already escalated the matter to the Principal Nodal Officer (PNO) by email, requesting a clear written reply on whether DigiSave Youth is still active or officially discontinued.

Now I’m stuck and not sure what the best next step should be.

My questions:

1. Has anyone here faced this so-called “internal guideline” that no savings accounts below ₹25k MAB are being opened in metros? Is this even valid?
2. If HDFC continues to deny without giving a proper written reason, should I escalate this to the RBI Ombudsman?
3. How do I deal with the branch’s pressure to close the complaint when it hasn’t been resolved?

I don’t mind if DigiSave Youth is officially discontinued, but I want a clear written confirmation instead of vague internal rules and repeated calls to withdraw my complaint.

Would appreciate suggestions from the community 🙏

Attached email copies

1. To - support@hdfcbank.comgrievance.redressaldl@hdfcbank.com
On Aug 26, 12 PM


2. Aug 30, 4.20 PM Reply from the branch manager



3. Aug 30, 5.55pm - I replying back to branch manager and as soon as i replied like this about waiting for pno confirmation, they are still requesting me to close the ticket. I don't know what to do to say to them as i already told i am waiting for pno response but they still want me to close my ticket asap (calling me repeatedly both manager and staff)



4. Mailed to PNO on Aug 30th at 6.38 PM