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Stay Protected: Upgraded Two-Step Verification for Enhanced Account Security!

What is Kavach
 

Kavach is HDFC Bank’s Secured Authentication Shield. To provide you with the highest level of protection, we are introducing Upgraded 2 Step Verification features across HDFC Bank NetBanking and the HDFC Bank App.
 

Going forward, select high‑risk transactions on HDFC Bank NetBanking can now be authenticated using the HDFC Bank App. This additional layer of security helps prevent unauthorized access and protects your account from risk of any OTP and digital fraud.
 

The newly introduced security feature—Upgraded 2 Step Verification—ensures a more secure banking experience.

 

How to Use Kavach
 

To Login to HDFC Bank NetBanking Using Upgraded 2 Step Verification
 

  • On the login page of the new HDFC Bank NetBanking, select Login via QR Code.
  • Open the all-new HDFC Bank App and scan the QR code.
  • Swipe to approve the login request.
  • Enter your mPIN to complete authentication. 


How to Enable Upgraded 2 Step Verification
 

  • Log in to the all-new HDFC Bank NetBanking.
  • Navigate to Menu → Enable 2‑Step Verification.
  • Select Enable Now and authenticate using the app notification.
  • Open the HDFC Bank App → Go to Notification Centre and tap the notification.
  • Swipe and enter your mPIN to approve and activate Kavach for all NetBanking transactions.
     

 Authenticating Transactions Using Upgraded 2 Step Verification
 

  • Log in to HDFC Bank NetBanking and initiate your transaction.
  • When prompted, choose to authenticate using App Notification.
  • Open the HDFC Bank App → Go to Notification Centre and select the approval notification.
  • Swipe and enter your mPIN to authenticate and complete your transaction.
     

Watch this quick video to learn more. Click Here

Frequently Asked Questions

Upgraded Two-Step Verification, is a security feature available on the All-New HDFC Bank App. It allows users to securely approve transactions made through their All-New HDFC Bank NetBanking account by using their HDFC Bank App on their registered device. This extra security measure helps safeguard against unauthorised access and ensures that only the account holder can complete critical transactions.

With Upgraded Two-Step Verification, the customers have an added layer of protection of being able to approve transactions from his/her registered mobile device. Upgraded Two-Step Verification approval journey is designed in a way that authentication can be done from a registered device that provides an additional layer of security via App Notification/ mPIN. Two-Step Verification is designed to protect against fraudulent activities like Man-in-the-middle (MITM) attacks, Phishing attacks, SMS forwarding apps offering enhanced security for your NetBanking transactions.

Users upon login will get an alert/pop-up to activate Upgraded Two-Step verification for his/her profile or the users can access this feature from his/her ‘Profile’ section. Upon providing consent & verifying the request on the HDFC Bank App, users will be onboarded to the Upgraded Two-Step verification for the All-New HDFC Bank NetBanking & HDFC Bank App.

Eligible users are customers who have registered on the All-New HDFC Bank App and are on the All-New NetBanking.

While Upgraded Two-Step Verification is currently an optional feature, the Bank may introduce it as a mandatory feature in the future. Rest assured, we will provide ample notice to keep you informed of any upcoming changes. However, we recommend you to enrol for Upgraded Two-Step Verification and experience the upgraded security.

When performing select transactions on the All-New HDFC Bank NetBanking, follow these steps to use Upgraded Two-step verification:

• Initiate the transaction you wish to complete via All-New HDFC Bank NetBanking
• Customers registered for Upgraded Two-step verification will receive a notification on their registered device. Open the notification on your registered device to approve the transaction
• Once you approve the transaction, you will need to verify using your mPIN
• After successful authentication, your transaction will be processed

Currently Login, Forgot Password & Add Beneficiary transaction will be supported by Upgraded Two-Step Verification authentication. We will also be introducing Upgraded Two-Step Verification in few more transactions shortly.

Once the user has opted for Upgraded Two-Step Verification, he/she cannot deregister from this service.

This is the device where the user has activated his/her HDFC Bank App. Users will receive Upgraded Two-Step Verification approval requests in this device.

There can only be one registered device for a user at any point in time.

For users registered for Upgraded Two-Step Verification, transactions can also be approved using OTP, as a fallback option in case users do not have the All-New HDFC Bank App handy.

The Option to enrol for the Upgraded Two-Step Verification is available in the 'Profile' Section

Resend notification/In app notification/ Fallback OTP options are available for transaction approvals.

Contact our customer support or register yourself on the All-New HDFC Bank App on a new device.

Yes.

Please visit the below link for a detailed journey on activating push notifications for both iOS and Android devices.
Click here