Скачать или смотреть How to Open HDFC Zero Balance Account Online | Step-by-Step Guide 2025 (No Branch Visit Needed

✅ Prerequisites to Open HDFC Bank Account Online
Make sure you have:
Aadhaar Card (linked with mobile number)
PAN Card
Mobile number with SMS access
Passport-size photo (optional)
Email ID

📲 Steps to Open HDFC Bank Account Online (Mobile)

✅ Step 1: Visit Official Page
Open Chrome or any browser on your mobile
Go to: https://apply.hdfcbank.com
Tap "Savings Account"

✅ Step 2: Choose Account Type
Select your preferred account:
Regular Savings Account
InstaAccount (fully digital, zero balance)
Women's Savings Account
Senior Citizen Account

✅ Step 3: Enter Basic Details
Mobile number (linked to Aadhaar)
Full Name
Email ID
PAN Card Number
Date of Birth

✅ Step 4: Aadhaar eKYC Verification
Enter Aadhaar number
You’ll receive an OTP on your Aadhaar-linked number
Accept consent for eKYC

✅ Step 5: Upload Documents
(optional for fully digital InstaAccount)
Photograph
Signature (on plain white paper)
PAN card copy (sometimes auto-filled from Aadhaar)

✅ Step 6: Choose Branch & Complete Video KYC
Select your nearest HDFC branch
If InstaAccount: Complete video KYC (within working hours)
Show your face and original PAN
Answer a few verification questions

✅ Step 7: Set Up Internet & Mobile Banking
Create login credentials
Set MPIN or net banking password

✅ Account Activated!
After verification:
You’ll get your Account Number & IFSC
Virtual Debit Card in the app
Access to HDFC Mobile App & NetBanking

✅ Zero Balance Savings Account: Key Features
💰 1. No Minimum Balance Required
You don’t need to maintain any monthly or quarterly average balance.
You can keep your balance at ₹0 without penalty.

🆓 2. No Account Maintenance Charges
Most zero balance accounts have no hidden fees for maintenance.
Charges apply only for special services (cheque book, DD, etc.)

📄 3. Basic Documents Required
Aadhaar Card (linked with mobile)
PAN Card or Form 60 (if PAN not available)
Passport-size photo

📱 4. Online & Mobile Banking Access
Get full access to:
Mobile App
Net Banking
UPI (PhonePe, GPay, Paytm, etc.)
Virtual Debit Card (sometimes physical one too)

🎥 5. Instant Account Opening (with Video KYC)
Fully digital onboarding via mobile
Account activated within minutes to hours after KYC

💳 6. Free RuPay / Virtual Debit Card
Most banks offer free RuPay card
Some allow upgrading to Visa/Mastercard

🔢 7. Limited Transactions (Basic Savings Bank Deposit Account - BSBDA)
If it's a BSBDA account (like RBI-mandated zero balance):
4 free withdrawals/month
Limited cheque book and branch access
No frills — just basic savings features
Note: InstaAccounts by HDFC, SBI, Axis, etc., usually offer more freedom than basic BSBDA accounts.

🧾 8. Upgrade Anytime
You can convert zero balance to a full savings account anytime
Just complete full KYC and request upgrade


1. How to open HDFC Bank account online using mobile
2. Step-by-step form filling and document upload
3. Zero balance account option availability
4. Aadhaar OTP eKYC explained clearly
5. Video KYC process and how to complete it successfully
6. What to do if video KYC fails
7. How to get account number and netbanking access
8. Eligibility, documents, and photo/signature upload steps