HDFC Bank complaint escalation: the four levels

Last checked: 29 October 2026

For HDFC Bank account, card and loan customers in India whose complaint was not resolved, was closed without a fix, or got no reply

Complain to HDFC Bank first at a branch, on PhoneBanking 1800 1600 or 1800 2600, by email or the online form, and allow up to 10 working days. Then go to the Grievance Redressal Officer (1800 266 4060), then the Principal Nodal Officer. No reply in 30 days? File free with the RBI Ombudsman on cms.rbi.org.in.

HDFC Bank escalation levels: who to contact and when

1. Level 1: branch, PhoneBanking, email, letter or online form

   Official contact

   Your branch manager, the online complaint form, or PhoneBanking 1800 1600 / 1800 2600 (or your Relationship Manager). Emails from HDFC Bank's Write to us page: support@hdfc.bank.in (accounts, ATM, debit and prepaid cards), loansupport@hdfc.bank.in (loans), customerservices.cards@hdfc.bank.in (credit cards). Letters: Empire Plaza I, 1st Floor, LBS Marg, Chandan Nagar, Vikhroli West, Mumbai 400 083; credit cards: P.O. Box 8654, Ambattur Industrial Estate, Chennai 600058.

   Deadline

   HDFC Bank: "Please give us up to 10 working days to resolve your complaint or query." Its policy says you get a reference number and are told the expected date of closure.

2. Level 2: Grievance Redressal Cell (Grievance Redressal Officer)

   Official contact

   Banking products and depository services: Mr. Mehernosh Dhamodiwala, 1800 266 4060, online form. Digital lending: Mr. Shamik Bhattacharjee, 1800 266 4060, online form. Letters for both: Grievance Redressal Cell, HDFC Bank Limited, 1st Floor, Empire Plaza - 1, Lal Bahadur Shastri Marg, Chandan Nagar, Vikroli West, Mumbai - 400083. Credit cards: Mr. Shanmugasundar R, 044-61084900, online form, Grievance Redressal Cell, HDFC Bank Cards Division, Door No. 94 SP. Estate Bus Stand, Wavin Main Road, Mogappair West, Chennai - 600058. Phone lines: Monday to Saturday, 9:30am to 5:30pm, closed 2nd and 4th Saturdays, Sundays and bank holidays.

   Deadline

   If Level 1 does not meet your expectations. HDFC Bank asks for up to 10 working days. Keep your previous complaint number and CRN ready.

3. Level 3: Nodal Officer / Principal Nodal Officer

   Official contact

   Nodal officers: every region on HDFC Bank's nodal officer email page uses nodal.officer@hdfc.bank.in; phone numbers by state are on its Call us page. Principal Nodal Officer: Mr. Ripal Kirtikumar Sheth, HDFC Bank Ltd, 5th Floor, Tower B, Peninsula Business Park, Lower Parel West, Mumbai 400013. Phone 022 - 62841505. Email Pnohdfcbank@hdfc.bank.in.

   Deadline

   If the resolution at Level 2 does not meet your expectations. HDFC Bank asks for up to 10 working days.

4. Level 4: RBI Ombudsman

   Official contact

   File online on cms.rbi.org.in, email crpc@rbi.org.in, or post a signed complaint to the Centralised Receipt and Processing Centre, Reserve Bank of India, Central Vista, Sector 17, Chandigarh 160017. RBI contact centre 14448 helps with the process but cannot take complaints. Our RBI Ombudsman on the CMS portal guide has the full steps.

   Deadline

   HDFC Bank: after Levels 1, 2 and 3, or if you have not received a response within 30 days of lodging. RBI: file within 90 days of the 30 days ending or of the bank's last reply, whichever is later.

HDFC Bank complaint time limits at a glance

How long does HDFC Bank take to resolve a complaint?

HDFC Bank's grievance page says "Please give us up to 10 working days to resolve your complaint or query" at Level 1, and repeats it for the Grievance Redressal Officer and the Principal Nodal Officer. Its Customer Grievance Redressal Policy (Version 1.14, updated 28 November 2025) says every complaint gets a reference number and you are told the expected date of closure. The policy also says complaints that are partly or wholly rejected go to HDFC Bank's Internal Ombudsman, whose decision binds the bank. RBI's rule runs alongside: if HDFC Bank has not replied within 30 days of receiving your complaint, you can go to the RBI Ombudsman.

Who is the HDFC Bank nodal officer?

HDFC Bank's Principal Nodal Officer is Mr. Ripal Kirtikumar Sheth, Lower Parel West, Mumbai, on 022 - 62841505 or Pnohdfcbank@hdfc.bank.in, per its grievance page. For state nodal officers, its nodal officer email page lists nodal.officer@hdfc.bank.in for every region, and its Call us page lists state phone numbers. HDFC Bank also names the nodal officer for each RBI Ombudsman office on its Ombudsman details page. We link those lists instead of copying names, because banks update them.

What if money was taken from my HDFC Bank account without my consent?

HDFC Bank's unauthorised transactions page says to report credit card, debit card, NetBanking or UPI transactions not done by you on 18002586161. For prepaid cards, call PhoneBanking on 1800 1600 or 1800 2600; from overseas, 022-61606160. You can block a debit or credit card at once through NetBanking. HDFC Bank's grievance page also points to the National Cyber Crime Helpline, 1930. If the bank does not resolve it within 30 days, take it to the RBI Ombudsman on the CMS portal.

Common problems and what to do

HDFC Bank closed my complaint without fixing it

Do not start again at Level 1. Contact the Grievance Redressal Officer for your product with the complaint number and the bank's reply, then the Principal Nodal Officer. Three rounds of 10 working days can run past 30 days, and RBI does not make you wait for every level. RBI accepts a complaint once 30 days have passed with no reply, or once you are unhappy with the bank's reply.

Credit card complaint or mis-selling

Write to customerservices.cards@hdfc.bank.in first. For the Level 2 credit card Grievance Redressal Officer, call 044-61084900 or use the credit card complaint form. For mis-selling or harassment by a card sales representative, HDFC Bank lists cardsales.complaint@hdfc.bank.in and 044 - 61084900.

Loan or EMI complaint

Email loansupport@hdfc.bank.in at Level 1. For loans taken through a digital lending app, the Level 2 contact is the Digital Lending Grievance Redressal Officer on 1800 266 4060 or the digital lending form.

Escalation letter to HDFC Bank (Level 2 or 3)

Free to copy. Replace everything in [square brackets]. Send it through the Grievance Redressal Officer's online form or to Pnohdfcbank@hdfc.bank.in, and keep a copy.

To: The [Grievance Redressal Officer / Principal Nodal Officer]
HDFC Bank Limited
[address from HDFC Bank's grievance page]

Subject: Escalation of complaint no. [______], customer ID ending [last 4 digits only]

I lodged the complaint above on [DD-MM-YYYY] through [branch / PhoneBanking / email / online form].
[I have had no response in [__] working days. / HDFC Bank replied on [date] saying ____, which does not resolve it because ____.]

What happened:
[2 to 5 short lines, in date order, with amounts and transaction dates]

What I am asking for:
[refund of Rs. ____ / reversal of charge ____ / correction of ____ / written reason]

If this is not resolved within 30 days of my first complaint, I will approach the RBI Ombudsman under the Reserve Bank - Integrated Ombudsman Scheme, 2026.

Attached: [copy of first complaint and acknowledgement, statement extract, HDFC Bank's reply]

Name: [your name]
Branch: [branch name]
Registered mobile: [number]
Date: [DD-MM-YYYY]

Do not send your full account number, card number, CVV, PIN, OTP or password.