I am an HDFC customer it has one of the worst digital banking app and netbanking, I am very disappointed with their service even being an Imperia customer service is very bad, I also have a current account and LAP at HDFC, I have recently shifted to Kotak as my main banking app is very nice, their demat interface is also too good, I think as an investor in the past HDFC bank has delivered consistent performance is primarily I think due to its RM led model but nowadays atleast genz people have become smart and know that in the name of helping you manage your money they just want to sell ULIPs and insurance also HDFC bank is there in my society and I know the employees informally as well, they are very candid and are actually under a lot of pressure to meet targets, I personally think this consistency of the bank is because of its stringent targets to employees but in the end it just leads to mis-selling, if they use technology, they can be a much better bank which could keep its employees as well as its customers happy.
I like the bank’s strategy to open branches in rural areas but when it comes to digital banking it is still miles behind other banks.
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