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HDFC negative balance

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HDFC bank have charged me 600+rs for not maintaing average balance
. Currently my balance is negative what should I do

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Deal Cadet Deal Cadet
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The branch manager has the authority to waive off such a charge. Try convincing him/her with a solid reason.

I got almost 2k waived off in my case.

Deal Cadet Deal Cadet
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Just leave it. Account will become dormant /closed after 1 year of inactivity

Generous Generous
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CIBIL effect?

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Deal Cadet Deal Cadet
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Same I’m also facing this this month they deducted twice and my balance is in negative now. How to get manager email I’d?

Benevolent Benevolent
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why they deducted? currently mab is removed right?

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Deal Subedar Deal Subedar
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I am also in same boat, charged 600*2 for two month no mim balance maintain.

I have 2 ac in 1 cif and as per them i need to maintain 10k in each.

Btw i have deposited 1200 and now balance is zero and tmw i will go to branch for one account closing.

Deal Subedar Deal Subedar
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If you didn’t want the account then y did you deposit 1200……?

Just put an account closure request and take receiving….. Either manager will close the account or the account will be dormant….. No need to pay these stupid penalties……

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Deal Subedar Deal Subedar
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Same trick was used by SBI one/two years back.
Indians ko koi bhi chuna lagaa saktaa hai biggrin

Deal Newbie Deal Newbie
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@admin My father had a salary acc with HDFC which later got converted to Savings acc with MAB charges applicable, after he left is job that is. Now, as he was not aware of MAB and other stuff related to that, we are seeing that the balance is showing -4.5K. The home branch is in another state from where we are residing right now. We went to a local HDFC branch to enquire about closure as we do not want to pay the negative balance, but they denied saying we better contact Home branch in this scenario. However, they were ready to close in case we agree to pay the negative balance. Any thoughts what shall we do in this case ?

Deal Subedar Deal Subedar
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Show them this circular and tell them to fuck off . If they still do not complain to banking ombudsman . If that fails write to RBI.

https://www.rbi.org.in/Scripts/NotificationUser...

Ps Annex 6 is what you are looking

More consumers are educated less banks will loot

Also my friend had -20k in bal and one fine day he went to withdraw that money sunglasses . Bank manager had pikachu face , his account was closed that day only with no charge

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Deal Newbie Deal Newbie
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Same concern done with me as well.

Deal Cadet Deal Cadet
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Can any one please share circular? Have seen in many threads but nowhere link was posted

Pro Community Angel Pro Community Angel
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If you want to close the account then you need to clear the amount and close. In that case they won’t write off your balance.
Best way is to convince and write of that balance, later close the account.

Another way is just leave it and forget that account.

Deal Newbie Deal Newbie
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HDFC bank have charged me 10680+rs for not maintaing average balance
. Currently my balance is negative what should I do. cry

Helpful Helpful
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Assuming you had a positive balance in account earlier.
1st option, convince the branch manager to waive of the charges, your fines are waived off and you get back your positive balance.
2nd option, let the account die its own death, you loose your positive balance.
3rd option, pay the negative balance and close the account, you loose your positive balance plus pay the negative balance amount.

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Community Angel Community Angel
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Tell them to waive off balance Account close Ki application do they have to close the account don’t pay anything

Deal Newbie Deal Newbie
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My balance navigation how to recover

Deal Lieutenant Deal Lieutenant
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Once they had charged me Rs 5000+ for not maintaining the AMB for one year or two. Had raised complain through customer care got these charges reversed (Excluding GST).
Deal Newbie Deal Newbie
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accu account close

Deal Newbie Deal Newbie
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nagetive balence

Deal Newbie Deal Newbie
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Sir My account balance had be gone in negetive and my salary had taken from my account please help me take action on those employees who has done froud with customers

Thanking you 

Hdfc Bank customer 

Finance Mentor Finance Mentor
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Dude... This is not RBI 

Deal Newbie Deal Newbie
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Hdfc bank had gone negative balance in salary account 

Deal Newbie Deal Newbie
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Please help me to protect the negative balance on salary account and warrant on him 

Thanking of RBI

Hdfc Bank customer

Salary account 

replyuser
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