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What’s in store for you

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Why you should open HDFC Bank Demat Account

Preferential pricing

  • Premier Banking customers benefit from preferential pricing and discounts on Account Maintenance Charges (AMC).

  • As an additional cross-product advantage, HDFC Bank Savings Account holders receive an AMC waiver for the first year upon opening a Demat Account.

Wide range of securities

  • Invest and hold a variety of securities including equities, derivatives, and fixed-income instruments.

  • Additionally, you can hold Exchange-Traded Funds (ETFs) and Mutual Funds in your Demat Account.

Hassle-free movement of funds

  • Link your HDFC Bank Savings Account to your Demat and Trading Accounts for seamless fund transfers.

  • Instantly redeem investment returns from your Demat Account to your Savings Account without hassle

Track investments

  • Easily track your investments and access account statements anytime, anywhere through Net Banking

  • Optimise your investments to maximise returns.
     

Basket investing

  • Build long-term wealth with a professionally curated and diversified portfolio. 

  • Invest in multiple stocks and ETFs simultaneously using the one-click investment option.
     

Digital loan facility available

  • Pledge your shares and Mutual Funds to access a quick Digital Loan, providing fast financing without the need to liquidate your valuable assets.

Wondering if you’re eligible?

  • Nationality: Indian
  • Age: Min 21 years & Max 40 years
  • Income: Net Monthly Income > ₹35,000 

Note: Have your PAN and Aadhaar copies ready. Ensure your mobile number is linked to your Aadhaar. Please click here to begin your DigiDemat journey. You can also visit the nearest branch to open a Demat & Trading account. Click here to find your nearest Demat centre.

For Self Employed

  • Nationality: Indian

  • Age: Min 21 years & Max 40 years

  • Income: Annual ITR > ₹6,00,000

Know More

Features tailored for you

Foreign Direct Investment (FDI)

"FDI" or "Foreign Direct Investment" denotes equity investments made by non-residents in unlisted Indian companies or at least 10% of the fully diluted post-issue equity capital of listed Indian companies. Overseas investors can invest in India through two routes:

  • Automatic Route: An FDI entry route where investments from non-residents outside India do not need prior approval from the Reserve Bank or Government

  • Approval Route: An FDI entry route where investments made by non-residents outside India necessitate prior approval

Smart EMI

Overseas Direct Investment (ODI) in India

  • Overseas Direct Investment involves investing outside India in a Joint Venture (JV) or Wholly Owned Subsidiary (WOS), either through the Automatic Route or Approval Route.

  • The investment includes contributing to capital, subscribing to the memorandum of a foreign company, or acquiring existing shares through market purchase, private placement, or stock exchange.

Key Image

External Commercial Borrowings (ECBs)

  • External Commercial Borrowings are commercial loans accessed by eligible resident entities from recognised non-resident entities. ECBs must meet a minimum maturity period, maximum all-in-cost ceiling, permitted end-uses and more. 

  • ECBs can be raised in INR or any freely convertible foreign currency under both the automatic and approval routes within the ECB framework.

Smart EMI

Automatic Route

  • The AD Category-I Bank reviews and approves the application. Entities seeking to raise ECB under the automatic route can submit their proposal and a completed Form ECB to an AD Category-I Bank. 

  • After approval by the AD Category-I Bank, the application and Form ECB are forwarded to the RBI to issue a Loan Registration Number (LRN).

Contacless Payment

Approval Route

  • Borrowers submit their requests to the RBI via their AD Category-I Banks for evaluation.

  • These requests are processed upon RBI approval.

Fuel Surcharge Waiver

Frequently Asked Questions

Yes, there are restrictions on Capital Account Transactions at HDFC Bank. These transactions must adhere to criteria like the minimum maturity period, maximum all-in-cost ceiling, permitted and non-permitted end-uses, etc.

Yes, individuals can participate in Capital Account Transactions at HDFC Bank.

Changes in currency value can affect the cost of foreign investments and borrowings. For instance, if the Indian Rupee depreciates against the foreign currency, the cost of External Commercial Borrowings in Rupees increases, impacting the borrower’s repayment capacity.

Capital Account Transactions at HDFC Bank include activities like Direct Investments by Residents in Joint Ventures (JV)/Wholly Owned Subsidiaries (WOS), Foreign Direct Investments in India (FDI), and External Commercial Borrowings (ECB). These transactions help diversify your business in global markets through investments (FDI/ODI) or borrowings (ECB).

Yes, you can modify or cancel capital transactions after initiation. HDFC Bank provides a dedicated helpdesk to manage and resolve queries related to such transactions.

More about Capital Account Transactions

  • Services
  • Access to Modern Equipment
  • Enables healthcare providers to acquire state-of-the-art medical equipment, enhancing diagnostic and treatment capabilities.
  • Automatic Route: An FDI entry route where investments from non-residents outside India do not need prior approval from the Reserve Bank or Government
  • Approval Route: An FDI entry route where investments made by non-residents outside India necessitate prior approval
  • Overseas Direct Investment (ODI) in India
  • Overseas Direct Investment (ODI) involves investing outside India in a Joint Venture (JV) or Wholly Owned Subsidiary (WOS), either through the Automatic Route or Approval Route.
  • The investment includes contributing to capital, subscribing to the memorandum of a foreign company, or acquiring existing shares through market purchase, private placement, or stock exchange.
  • External Commercial Borrowings (ECB)
  • External Commercial Borrowing are commercial loans accessed by eligible resident entities from recognised non-resident entities. ECBs must meet a minimum maturity period, maximum all-in-cost ceiling, permitted end-uses, and more. ECBs can be raised in INR or any freely convertible foreign currency under both the automatic and approval routes within the ECB framework.
  • Automatic Route
  • The AD Category-I Bank reviews and approves the application. Entities seeking to raise ECB under the automatic route can submit their proposal and a completed Form ECB to an AD Category-I Bank. After approval by the AD Category-I Bank, the application and Form ECB are forwarded to the RBI to issue a Loan Registration Number (LRN).
  • Approval Route
  • External Commercial Borrowing are commercial loans accessed by eligible resident entities from recognised non-resident entities. ECBs must meet a minimum maturity period, maximum all-in-cost ceiling, permitted end-uses, and more. ECBs can be raised in INR or any freely convertible foreign currency under both the automatic and approval routes within the ECB framework.