| Name of Complainant | |
| Date of Complaint | March 26, 2026 |
| Name(s) of companies complained against | HDFC BANK LTD |
| Category of complaint | Banking |
| Permanent link of complaint | Right click to copy link |
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I request your help to file a case at the state consumer disputes redressal commission against HDFC Bank Ltd., for service deficiency on account of not having sent alert calls or messages in the case of transfers made to third parties through RTGS and IMPS transactions through Net Banking and Mobile Banking. As per the RBI circular Banks are supposed to send alerts through phone calls and messages to customers before processing transactions through net banking and mobile banking. As it can be clearly seen in the attached excel “2033060_JAYESH_RAMESH_GULANI_Alert_Details”, HDFC Bank has failed to send these alerts in all the transactions that have been conducted through their net banking and mobile banking platform.
This has resulted in a financial loss of Rs. 75,81,000/- to me, as I kept transferring the amounts to wrong bank accounts mistakenly from 1Dec2025 to 13Dec2025. Upon filing a complaint to HDFC through phone banking for bothe RTGS and IMPS transactions on 14Dec2025, they haven’t acted quickly to block/ reverse the transactions. Now, they are coming back and mentioning that the account in the 6 beneficiary banks i.e. Bank of Maharashtra, IDBI Bank, Karur Vysya Bank, ICICI Bank, Axis Bank and Central Bank of India, where the mistaken transactions have happened have been withdrawn and the account is lien marked.
They are not even helping get the KYC details of the recipient accounts i.e. their name, mobile number, email id, address, Aadhar number, PAN card etc., so that the same can be submitted to the investigating officer of my case. The KYC process carried out by the beneficiary Banks is also under doubt as they are not able to establish that they have followed the due process, which I have requested the RBI Ombudsman team to investigate carefully.
I request your help to send a notice to HDFC Bank Ltd., for full refund of the amount Rs. 75,81,000/- which I have lost and in case they do not act on the same, I would need your help to file a case with the State Consumer Dispute Redressal Commission against HDFC Bank Ltd., for service deficiency on account of not following the procedural control on alert calls and messages before completing the transfer to the beneficiary account and not having stopped payment upon my complaint.
Please reach out to me in case you have any questions.
Regards,
Jayesh Gulani
Mob. 9820628818
HDFC Bank customer id: 58697741
HDFC Bank branch – Malad West – IFSC code: HDFC0000411
A/c No. 50100072935701
