Frequent Asked Questions
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Pay Online - Loan Overdue.

Q. Who can make a payment using "Pay Online" service?

A. HDFC Bank, all loan customers who have missed their billed EMI. This facility cannot be used for foreclosure payment of your loan.

Q. What are the benefits of "Pay Online"?

A. You can make your overdue payment quickly and conveniently. No longer have to write cheques / visit a branch / wait in a queue for your turn, to make payments.

Q. How do I make a payment through "Pay Online"?

A. You can make an online payment through your other bank's using your Internet banking account in the following steps:

• Browse HDFC Bank website and click on the "Pay Online" link.
• Go through the terms and conditions and click to proceed further.
• Enter your Loan account number & Date of Birth.
• Enter the required details and click on "Pay Now"
• Make your overdue payments from your bank's Internet login.

Q. What are the pre-requisites for using the said facility?

A. You should have net banking facility available with your bank. The list of possible banks is available in the drop down in the concerned screen.

Q. Do I need to register with HDFC Bank for "Pay Online" to make payments from the account of the other bank?

A. No.

Q. Customers who cannot pay using this facility, what does he need to do?

A. The customer can call the phone banking for putting across his request for payment.

Q. What type of receipt would be issued post payment?

A. The customer would be provided an online receipt. Post which, the bank would send SMS confirmation confirming his transaction.

Q. Will I be provided any additional receipt if I have paid using this mode?

A. No.

Q. When would the proceeds reflect in my statement of account?

A. The amount debited to your account would reflect on the Loan Statement within three working days, with a value date entered as date of payment.

Q. My EMI for the month has been returned unpaid yesterday, today I want to make the payment is it possible?

A. The customer can avail this facility post HDFC bank receiving information about the return.

Q. What if I made an error while entering my loan number and made a payment to somebody else's loan number?

A. The payment option requires specific authentication before proceeding with the payment. The authentications required are:-

i. The loan number needs to be of 8-digit numeric nature.

ii. The Date of Birth has to be in DD-MM-YYYY format.

In-case you have still made a payment to a wrong loan number, you need to call our Customer Care and register a complaint.

Q. I am not aware of the overdue amount

A. You need to call our help-line numbers. Please click on the following link to access the same. http://www.hdfcbank.com/personal/find-your-nearest/find-phone-banking

Q. Can i pay part EMI towards their loan account?

A. No. The EMI amount payable should be in multiples of his current EMI or equivalent to total EMI due.

Q. Can i pay overdue charges while making EMI payment?

A. Yes

Q. Is there any limit on the value of a payment I can make?

A. Yes, it should be less than or equal to the total EMI overdue / charges.

Q. Do I need to take permission from my bank for making a payment through "Pay Online"?

A. No, if the name of your bank is available in the "Pay Online" dropdown for online payments, then your bank is already open for "Pay Online" transactions. You may have to register for Net-banking with your bank, if not registered.

Q. How will I know that the payment is made successfully?

A. Post every successful transaction; you will get a success message along with a valid transaction ID. However, sometimes the transaction is successful but a transaction number cannot be displayed due to power cuts, connection failures, etc., in such cases you are advised to check your bank account credit balance to know whether the transaction has happened. You should report about it to HDFC Bank if your loan number is not credited within three working days from the date of the actual transaction.

Q. Can I make my overdue payments through "Pay Online" if my asset is surrendered or repossessed?

A. No. In that case you are advised to visit any HDFC Bank – Asset Branch to make payments.

Q. How are payments processed?

A. Your payments are processed immediately after you have authorized the transaction from your other bank's valid User ID and Password. If your payment is successful, you will be informed that your payment has been accepted and a payment transaction number will be displayed with a successful transaction note. If your payment is unsuccessful, you will be informed that your transaction was unsuccessful.

Q. When can I check my HDFC Bank loan statement to know my payment status?

A. After three working days.

Q. What if the payment is not credited even after three working days?

A. Please contact us on 02242044801 between 9:30 to 5:30 on week days and between 9:30 to 1:30 on Saturday to register a complaint after providing all the transaction details or write to us at customerhelp@hdfbank.com

Q. How can I prove that I have made a payment?

You can track your payments from your bank statement if you need to provide proof of payment. Your bank statement will show the charge to your account from the billing vendor with a transaction number. In addition to the above, you will get a valid transaction number post your successful transaction. The same can be used to track and resolve your queries and disputes.

Q. Is there any charge for using "Pay Online" ?

A. No.

Q. Is "Pay Online" secure?

A. Yes, it is secure through secure 128 bit https internet connection based on Secure Socket Layer (SSL) technology.