HDFC SMS Banking – How It Works & Registration
HDFC or Housing Development Finance Corporation Limited is the first private sector bank to have been granted approval by the RBI (Reserve Bank of India). The bank boasts of a highly sophisticated technology that enables its customers to operate their savings accounts with utmost ease.
HDFC has introduced SMS Banking for its customers who can access their accounts and make transactions easily through their mobile phone, making banking easier, smarter, and simpler.
With HDFC SMS Banking, customers can access their accounts on-the-go. Right from monitoring their accounts, to making transactions, to keeping a track of their fixed deposits can be done through this facility. The facility can be availed in both English as well as in Hindi.
What is SMS Banking?
SMS Banking is a service by which customers can access and manage their bank account with the help of text messages on the mobile phone. You can check your balance, get mini or full statements, receive alerts for transactions, and perform certain banking tasks. The service is available without the internet and allows you to stay updated anytime, anywhere. This makes banking much simple, fast, and convenient.
How does HDFC SMS Banking work?
HDFC SMS Banking allows its users to perform many functions such as accessing the account statement, mini-statement, etc. The facility requires its customers to type a specific keyword and send it as an SMS to 5676712. The customer then receives a text message in response within a matter of a few seconds.
Who Can Use HDFC SMS Banking?
If you fulfil the below given criteria, then you can use SMS Banking to access your account and avail the services via text messages:
- You hold a Savings, Current, or Fixed Deposit account.
- You have an active mobile phone connection.
- Your mobile connection supports national or international roaming (if required).
List of SMS commands for various SMS Banking functions:
Given below is the list of SMS instructions that customers can send to avail SMS Banking from HDFC:
Service | SMS |
Check Account Balance | bal <last 5 digits of A/C no.> |
Request Mini-Statement | txn <last 5 digits of A/C no.> |
Request Account Statement | stm <last 5 digits of A/C no.> |
Check Fixed Deposit Balance | fdq |
Request New Cheque Book | chq <last 5 digits of A/C no.> |
Check Cheque Status | cst <6-digit cheque no.> |
Stop a Cheque | stp <6-digit cheque no.> |
Change Registered Primary Account | new <13-digit new A/C no.> |
Change Internet Banking Password | ipin |
How to register for HDFC SMS Banking?
There are various ways to register for the net banking facility provided by HDFC. These are as follows:
1. Through SMS
- Send an SMS from your registered mobile number.
- Send it to 7308080808 in this format: REGISTER <last 4 digits of customer ID> <last 4 digits of account number>
- You will get an instant confirmation SMS.
2. Through ATM
- Insert or swipe your ATM card and enter your PIN.
- Go to ‘More Options’ on the main screen.
- Register for SMS banking by entering your registered mobile number and tapping ‘Confirm’.
3. By Visiting Branch
- Visit your nearest branch to subscribe to SMS banking.
- Fill out and submit the application form.
- Your registration will be completed within four working days.
Services Provided by HDFC SMS Banking
Given below are the services which you can access through SMS Banking directly from your mobile phone:
- View your current account balance
- Get a mini statement of the last three transactions via SMS
- Have the latest account statement emailed
- Request a new cheque book
- Stop a cheque payment
- Check the status of issued cheques
- View details of utility bills paid through your account
- Request to regenerate your internet banking password (IPIN)
- Get a list of SMS banking keywords and their functions
Charges for Using HDFC SMS Banking
- For SMS Banking, you will be charged 20 paise plus GST per SMS.
- On the other hand, email alerts are completely free.
- You can also modify or unsubscribe the service by using NetBanking or through the Mobile Banking App.
How to De-register HDFC SMS Banking
You can easily deregister from SMS alerts and start using SMS banking once your account is registered:
Step 1: Log in to NetBanking by filling in your Customer ID and password.
Step 2: Click on the option ‘Insta Alerts’ at the top-right corner.
Step 3: Select the account for which you want to remove alerts.
Step 4: Choose the specific alerts you want to delete and click Delete.
Step 5: Confirm your selection to successfully deregister the alerts.
Savings Account Popular Pages
FAQs on HDFC SMS Banking
- Can I avail an account statement for a previous period?
Yes, you can get a recent statement or mini statement via HDFC SMS Banking.
- Can HDFC SMS Banking be availed outside my registered city or outside my telecom circle?
Yes, the facility can be availed from anywhere in the country or abroad, provided national or international roaming is activated on your registered mobile.
- Can I stop multiple cheques at a time using the HDFC SMS Banking facility?
No, at present only one cheque can be stopped at a time using the SMS banking facility at HDFC.
- What does HDFC charge its customers for the SMS Banking facility?
No, the bank does not levy any charges for this facility.
- How long does the bank take to complete the registration for SMS Banking?
After the application form is filled and submitted, HDFC takes four working days to complete the registration process.
Annie Jangam is a financial writer with a unique background in biotechnology and eight years of genomics research experience, culminating in 6 international publications. She combines her analytical and communication skills to simplify complex financial concepts, delivering precise and creatively engaging content in the fintech industry. She covers various financial products such as banking, insurance, credit cards, tax, commodities, and more. Outside of the financial realm, she dabbles in poetry. Her extracurricular passions include organizing events like One Billion Rising and Human Rights Day. She is committed to the equality of all people, a principle rooted in her Christian faith. Annie strives to embody the values of faith, hope, and love in both her work and her life.
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