How to Change Your HDFC Bank Account Type?

​​​From moving jobs to upgrading your lifestyle or simply needing different Account features, your banking needs may change with time. HDFC Bank makes it easy to change Account variants to suit your preferences and regulatory requirements.

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Bank Account Variant Change Process in India: Channels

InstaServices

HDFC Bank’s InstaServices offers a quick, paperless way to update Account variant online. 

  • Start by going to the InstaServices page > Change Account Variant.

  • Click on ‘Let’s begin’.

  • Validate yourself using your registered mobile number and DOB/PAN/Customer ID.

  • Enter the OTP received on your registered mobile number.

  • After successful verification, choose your desired Account variant to change its type.

  • On the next page, you will see a list of available Account types. Choose the new Account type that suits your needs.

  • Once you have made your selection, click on the ‘continue’ button. 

  • On the preview page, you will see your Account details, review the information.

  • Click on the ‘Confirm and Continue’ button after agreeing to all the terms and conditions.

  • Complete two-factor authentication through Debit Card/ATM Card/NetBanking and accept the terms and conditions.

  • Click on ‘Continue’ and submit to receive confirmation.

You’ll get an on-screen acknowledgement and an SMS/email update.

Click here to get started

Important to Note:

  • Minor-to-major conversions may need additional documents. 

  • Ensure your email ID and registered mobile number are active for OTPs.

  • If you have a Joint Account, a link will be sent to the Account holders for their approval and review.

No need for collateral

Pre-requisites for InstaServices

Before you initiate an account variant change, ensure you satisfy these requirements:

  • Resident Indian/NRI above 18 years of age. 

  • Holder of an active Account.

  • Debit Card/NetBanking details are handy for identity verification. 

  • PAN is updated in the bank records.

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Branch & Form Submission

  • Download and fill out the Product Conversion Form with your new Account variant details.

  • Attach self-attested KYC documents and PAN Card copy.

  • Submit the form at the HDFC Bank branch nearest to you.

  • Bank officials will verify all your documents and provide an acknowledgement slip. 

  • Allow standard processing time (usually 4-5 working days) for the variant switch in Bank Account to take effect.

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Important Considerations

  • Minimum Balance Requirements: Different variants have different minimum balances.

  • Service Charges or Fees: Certain upgrades may attract charges.

  • Debit Card and Chequebook Changes: You may receive a new Debit Card linked to your updated Account type.

  • Processing Time: Online requests are usually faster than branch submissions.

  • Linked Services: Loans, auto-debits or standing instructions may reflect changes post-approval.

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Overview of Account Variant Change

Changing an Account variant means converting your existing Account into another type, such as switching from a Savings Account to a Salary Account or from a Regular Savings Account to a Premium one. This Bank Account variant update allows you to enjoy benefits better aligned with your needs without opening a new Account.

  • Upgrading Benefits: Access higher transaction limits, better Debit Cards or additional perks.

  • Salary to Savings Conversion: Ideal if you’ve moved jobs or no longer draw a salary in the same Account.

  • Lifestyle or Regulatory Reasons: Meeting minimum balance norms or opting for a Senior Citizen Account.

  • Minor to Major Account Conversion: When an Account holder turns 18.

  • Switch Account Type After a Job Change: Adapt your Account features to new income patterns.

Before initiating the Bank Account variant change process in India, keep the following ready:

  • PAN Card (valid and updated).

  • Address proof and identity proof.

  • Existing Debit Card or NetBanking credentials. 

  • Joint Account declarations (if applicable).

  • Proof of income/occupation (where required for premium variants).

Frequently Asked Questions

Using InstaServices, most customers can complete the change Account variant process entirely online. Joint holders, however, must approve via the link sent to them.

Online requests may be completed in a few working days, while branch submissions typically take 4-5 working days after verification.

Your Account number usually stays the same, but you may receive a new Debit Card or chequebook depending on the variant chosen.

Changing an Account variant is generally free.

Change Your HDFC Bank Account Type Now!

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