HDFC Bank Zero Balance Account Online: How to Open, Eligibility & Charges

HDFC zero balance account opening online is a paperless process that allows you to open a savings account without maintaining a minimum balance. Offered as a Basic Savings Bank Deposit Account (BSBDA), this option provides free banking features, including debit card access, internet banking, and fund transfers. The HDFC online account opening zero balance facility is ideal for individuals seeking convenient banking access without penalties for low balances. 

Overview of HDFC Zero Balance Account Opening Online

What is HDFC Bank Zero Balance Account?

An HDFC Bank Zero Balance Account, also referred to as a Basic Savings Bank Deposit Account (BSBDA), is a type of savings account that doesn’t require maintaining a minimum balance. This feature eliminates the worry of incurring penalties for a zero balance or dipping below a specified threshold. It is tailored for individuals who seek a hassle-free banking experience, offering simplicity and ease without the need for constant balance monitoring.

How to Open an HDFC Zero Balance Account Online?

Follow the steps outlined below to perform the HDFC zero balance account opening online process:

• Visit the official HDFC Bank Account Opening Portal.
• Choose the Basic Savings Account (BSBDA) or Zero Balance Salary Account option.
• Enter your Aadhaar number, PAN, and personal details.
• Upload scanned copies of required documents.
• Complete online video KYC via your smartphone or webcam.
• Upon verification (within 2–3 working days), your HDFC zero balance account will be activated.
• You’ll receive your customer ID and account number via email/SMS.
• Set up your net banking password to start using the account online.

This fully digital process makes HDFC online account opening zero balance service quick and accessible to anyone with valid documents and a smartphone.

Types Of HDFC Bank Zero Balance Accounts

The following is a list of different types of HDFC Bank zero balance accounts;

Basic Savings Bank Deposit Account (BSBDA)
A BSBDA is a type of savings account that does not require maintaining a minimum balance. With BSBDA, you can access several banking facilities across various ATMs and branches. Enjoy benefits such as a free passbook, debit card, 25 cheque leaves, and email statements.

Salary Account
A salary account is opened by companies to manage employee salary distribution efficiently. No minimum balance is required in this account. On payday, the bank transfers funds from the company’s account to yours.

Benefits Of HDFC Bank Zero Balance Account

Here are the benefits you can enjoy with HDFC Bank zero balance account opening online:

• No minimum balance: No charges for not maintaining a minimum balance.
• Convenient transactions: Easy access to bill payments, transfers, and online transactions.
• Mobile and Internet banking: Manage your account, check balances, and view statements easily.

HDFC Bank Zero Balance Account Eligibility Criteria

To qualify for HDFC zero balance account opening online, you must fulfil the following eligibility criteria:

• You must be at least 18 years old and a resident of India.
• KYC documentation or completion of Form 16 is necessary.
• You must not hold a zero-balance account with any other bank.
• Any existing savings account with HDFC Bank must be closed.
• If you are a minor aged 10 years and above, you can open a self-operated minor account.

HDFC Bank Zero Balance Account Documents Required

You need to submit the following documents to open an HDFC Bank zero balance account:

• Identity Proof: Aadhaar card, PAN card, passport, ration card, etc.
• Address Proof:Voter ID card, passport, driving licence, Aadhaar card, etc.
• Duly-filled HDFC Bank zero balance account application form.
• Your recent passport-size photographs.  
• Proof of employment.

HDFC Bank Zero Balance Account Charges

The HDFC zero balance account opening online process offers full-service digital banking without worrying about maintaining a minimum balance. Whether you're opting for a BSBDA or a salary account, the HDFC online account opening zero balance facility ensures smooth access to internet banking, debit card transactions, and UPI services. 

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