How to register for HDFC Bank NetBanking

Steps

Find your Customer ID

1. Look in your welcome kit or cheque book. HDFC's FAQ says the Customer ID is printed in both.
2. The login page also lists the passbook, the account statement, and the HDFC Bank App under Profile. It adds that you can get your account statement through WhatsApp Banking.
3. The login page has a "Get Customer ID" option. HDFC's FAQ describes it as: choose Date of Birth or PAN, enter it with your registered mobile number and the security code, then enter the OTP. On 13 October 2026 this option showed the message "Get Customer ID service is Temporarily Unavailable", so use the places in steps 1 and 2 if it is still down.

Register online

1. Type now.hdfc.bank.in/retail-app/ in an up to date browser. HDFC lists Chrome 125, Edge 125, Safari 17.6 and Firefox 126 or later.
2. Make sure your device's date and time are set automatically. The site refuses login when the device time is wrong.
3. On the "Personal Banking" tab, choose "Register Now".
4. On "Register for NetBanking", enter the Customer ID and the Security Code, and continue.
5. Verify yourself. The verification screens were not opened for this guide. The dialogs on HDFC's login page are: a 6 digit OTP; separate 3 digit OTPs sent to your mobile number and your email address; and a Debit Card check asking you to select a card and enter the Expiry Date, PIN and CVV.
6. Set a password. HDFC's FAQ says a NetBanking password should be 8 to 15 alphanumeric characters (letters and numbers). The login page notes that the password is case sensitive.
7. Use "Back to Login" and sign in with your Customer ID and the password.

If the bank gave you a password in your welcome kit, HDFC's FAQ treats that as the password a new user enters at first login. Type it exactly, with the correct upper and lower case.

Set up third party transfers (TPT)

Registration lets you log in and see your accounts. To pay other people you need TPT registration, which HDFC describes as a one-time step. Self transfers between your own accounts do not need it.

1. Log in and go to "Send Money", then "Register Now".
2. Resident customers up to 70 years: authenticate with debit card details and SMS OTP, set the "Daily Transfer Limit", and submit.
3. Senior citizens above 70 years: download the application form shown there and submit it at the nearest branch. HDFC says it takes up to 2 working days, and a default limit of Rs 2,00,000 applies unless you set one.
4. After TPT registration, transfers to a payee are activated only after 24 hours, and for the next 24 hours you can transfer up to Rs 50,000 only.

You can set the overall limit from Rs 1,000 up to Rs 50,00,000. HDFC notes that for certain users the maximum may be restricted to Rs 10,00,000 a day.

Reset or set the password (IPIN)

HDFC's FAQ uses "IPIN" and "NetBanking password" for the same thing.

1. On the login page choose "Set/Reset Password". The screen is headed "Reset Your Password".
2. Enter your Customer ID and the Security Code, and continue.
3. Enter your registered mobile number, continue, and enter the OTP.

4. Choose one of the two methods HDFC lists:

   • "Mobile Number & Debit Card", then enter the debit card details asked for.
   • "Mobile Number & Email ID", then enter the details asked for.
5. Set the new password.

To change a password you still remember, log in and use "Change Password" in the menu beside your profile picture. Enter the old password, then the new one, and confirm. You are logged out and must log in again.

Login without a password (optional)

The login page offers "Login without Password" by QR code:

1. Open the HDFC Bank App.
2. Tap "Scan QR".
3. Scan the QR code on the NetBanking login page.

HDFC also offers "Upgraded Two-Step Verification" under its Kavach security feature. Login, forgot password and add beneficiary requests are approved from a notification in the HDFC Bank App, with OTP as a fallback. HDFC says it is optional at present, and once you opt in you cannot de-register.