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How can I check my HDFC account balance through WhatsApp?

Checking your HDFC bank account balance through WhatsApp is a quick and convenient way to stay updated on your finances. With just a few simple steps, you can set up this service and get real-time information on your account balance without having to log in to netbanking or visit an ATM.

Overview

HDFC bank offers an AI-powered assistant called Eva that you can chat with on WhatsApp to get information on your account, request your account statement, pay bills and more. This eliminates the need to wait on call or visit a branch for basic banking needs. Here are some key things to know about checking HDFC account balance on WhatsApp:

  • You need to first register for the service by sending a hi message to Eva at +91-7506631122.
  • Once registered, you can simply send a text ‘balance’ to get details of your account balance.
  • The service is available 24×7 and is completely free of charge.
  • Apart from account balance, you can also get details of last 5 transactions, account statement and more.
  • It provides real-time information without any delays.
  • Your account information and chats remain fully secure and confidential.

Step-by-Step Process

Follow these simple steps to start checking your HDFC bank account balance via WhatsApp:

  1. Save Eva’s number in your contacts: Save the number +91-7506631122 in your phone contacts with the name ‘Eva HDFC’. This will make it easier to access it when required.
  2. Send Hi to start the conversation: Open WhatsApp and go to the chat window for the Eva HDFC contact. Type ‘Hi’ and send it to start conversing with the chatbot.
  3. Select your preferred language: Eva will provide you options to choose your preferred language. Select English or any other language based on your preference.
  4. Share account details: Eva will ask you to share your HDFC account number. Share the 16-digit account number when prompted.
  5. Set authentication: For security reasons, Eva will ask you to set a PIN for authentication. This will be required whenever you need account information.
  6. Verify OTP: You will receive an OTP on your registered mobile number. Share the OTP with Eva to complete verification.
  7. Start using the services: Once the setup is complete, you can simply type ‘balance’ and send it to Eva anytime to get your latest account balance. No need to log in anywhere!

The process is very quick and intuitive. Once set up, checking balance takes barely a few seconds. You’ll receive the account balance details immediately in the chat window. Apart from balance, you can also get a mini statement, account statement, make bill payments and more.

Services Offered

Here are all the services you can avail by chatting with Eva on WhatsApp:

  • Account balance: Check current balance for your savings accounts, current accounts and overdraft accounts.
  • Mini statement: Get details of recent 5 transactions on your accounts.
  • Account statement: Receive PDF account statement on WhatsApp for your desired period.
  • Cheque status: Get updates on status of cheques issued from your account.
  • Stop cheque payment: Instantly place a stop payment request for issued cheques.
  • Ordered chequebook: Chat to find out status and dispatch details of your chequebook request.
  • Pending ac payments: Check pending automatic clearing house (ACH) payments from your accounts.
  • Discount offers: Know about latest discounts and offers for HDFC Bank customers.
  • Credit card bill payment: Pay your HDFC credit card bills instantly via WhatsApp.

Apart from these services, you can also get details of your account, update contact information, know your account balance thresholds and set balance alerts, chat about NPS account and loan account, and more. Eva can answer most of your queries and even redirect you to relevant answers in many cases.

Benefits

Checking HDFC account balance on WhatsApp offers following useful benefits:

  • Real-time information: You get instant account balance without any delay or hassle of calling customer care or visiting branch.
  • 24×7 availability: The service is available round the clock, including public holidays.
  • No waiting time: No need to wait on calls or in branch queues. Get your balance in seconds.
  • Highly secure: All chats are encrypted end-to-end for full privacy.
  • Paperless: Go paperless by getting e-statements delivered on WhatsApp instead of physical copies.
  • Free of charge: It’s absolutely free to use this service. No convenience fees or transaction charges.
  • Multiple accounts: Check balance across all your HDFC accounts using the same WhatsApp chat.

Thanks to the convenience, speed and security it offers, checking account balance via Eva on WhatsApp is preferable for most customers compared to traditional methods.

Limitations

Despite its benefits, there are some limitations to keep in mind:

  • You can only get limited information like balance, mini statement etc. and cannot initiate complex transactions.
  • It may not work effectively for people who are not familiar with WhatsApp usage.
  • Any issue with your internet connection or mobile network can disrupt services.
  • It’s not recommended for elderly people who may prefer human interaction.
  • You need to have an existing HDFC account and registered mobile number to use it.

Troubleshooting Tips

In case you face any issues while accessing the service, try these troubleshooting tips:

  • Make sure your have saved the Eva contact number correctly.
  • Check your internet connection and try again when you have a stable connection.
  • Restart your phone and WhatsApp if unable to connect.
  • Update to the latest version of WhatsApp.
  • Check if your account number shared with Eva is correct.
  • Retry setting up your PIN if authentication fails.
  • Contact HDFC Bank customer if issues persist.

Frequently Asked Questions

Is this WhatsApp banking facility safe to use?

Yes, it is completely safe to use. All messages are encrypted and your account information is secure.

Can I access accounts of my family members?

No, you can only access your own accounts on WhatsApp. For family accounts, the primary account holder will have to set it up.

Is there any transaction charge for balance enquiry?

No, balance enquiry via Eva on WhatsApp is totally free of cost.

How much balance history can I see?

You can check details of your last 5 transactions by requesting a mini statement.

Can I block a lost debit card via WhatsApp?

Currently you cannot block debit cards via WhatsApp. Please call the bank to block lost cards.

Will this work if I have dual SIM mobile?

Yes, it will work seamlessly even if you have a dual SIM device.

Can I pay bills for another bank account on WhatsApp?

No, you can only pay bills for your HDFC Bank accounts using this service.

Conclusion

Checking HDFC bank account balance via WhatsApp is a great way to stay on top of your finances and manage your accounts efficiently. With Eva chatbot assistant, you can securely access your account details in real-time without visiting a branch or ATM. It offers unmatched convenience through your mobile phone. Just save the Eva contact, complete the one-time setup, and start chatting with ‘balance’ anytime to view your account balance 24/7. Along with balance enquiry, you can also check mini statements, get full account statements, pay bills and more. However, it’s advisable not to share sensitive information over WhatsApp chat. For optimal security and to prevent misuse, rely on Eva only for basic banking needs. Using this smart feature makes account management a breeze!