HDFC Digisave Youth Account Blocked Due to EDD — Branch Not Helping

[naman2634]

Hi everyone,

I’m facing an issue with my HDFC Digisave Youth Account, which got blocked on 6th November. I was told to visit the branch to get it resolved.

When I visited the branch today, they informed me that EDD (Enhanced Due Diligence) is required and asked for 2 years’ ITR and a letter explaining the source of funds.

I explained to them that I’m a student and mainly use the account for Amazon Pay wallet transactions (around ₹40,000 per month) to earn 1% cashback. However, they still insisted on the documents and said they can’t close the account unless the EDD is cleared.

The branch staff were not helpful and didn’t provide any alternative solution or escalation contact.

I’m stuck now — can’t operate the account or even close it. Has anyone faced something similar or know what I can do next? Any advice from the Technofino community would be really appreciated.

Thanks in advance 🙏

 

[komal]

Hi everyone,

I’m facing an issue with my HDFC Digisave Youth Account, which got blocked on 6th November. I was told to visit the branch to get it resolved.

When I visited the branch today, they informed me that EDD (Enhanced Due Diligence) is required and asked for 2 years’ ITR and a letter explaining the source of funds.

I explained to them that I’m a student and mainly use the account for Amazon Pay wallet transactions (around ₹40,000 per month) to earn 1% cashback. However, they still insisted on the documents and said they can’t close the account unless the EDD is cleared.

The branch staff were not helpful and didn’t provide any alternative solution or escalation contact.

I’m stuck now — can’t operate the account or even close it. Has anyone faced something similar or know what I can do next? Any advice from the Technofino community would be really appreciated.

Thanks in advance 🙏

Any causality of money ?

 

[naman2634]

Any causality of money ?

I have approx ₹5000 in my account.

 

[SSQ]

What are the credit transactions in this account per month?

 

[naman2634]

What are the credit transactions in this account per month?

Approx 30-40k per month.

 

[SSQ]

Write to PNO and wait for an update.
Tell them your parents send money for expenses and same app is being used for payments also. ITR is not available as a student.

 

[naman2634]

Write to PNO and wait for an update.
Tell them your parents send money for expenses and same app is being used for payments also. ITR is not available as a student.

Should I mention about the wallet debit credit transaction also?

 

[kuchbhikuchbhi is verified member.]

Approx 30-40k per month.

This is very less amount

If this is causing problem then every members account in TF 🤯


Real problem must be something else

 

[CardMintz]

Should I mention about the wallet debit credit transaction also?

Have you tried emailing the escalation team?

 

[SSQ]

Should I mention about the wallet debit credit transaction also?

Whatever transactions you have done are ordinary, no need to give them in detail explanation.

 

[naman2634]

Have you tried emailing the escalation team?

I went to branch today for unblocking but he was not at all helpful it was like I was a criminal and I have some scam or what and he told that digisave account is like for pocket money you have done a lot of transaction and according to him the account is blocked by ministry of finance.
I will write mail to PNO now.

 

[naman2634]

Is there any option where I can close this account and take my money out as the branch told that this account will remain blocked unless you give ITR.

 

[SSQ]

Is there any option where I can close this account and take my money out as the branch told that this account will remain blocked unless you give ITR.

First write to PNO and tell them clearly these are normal transactions and branch is asking for ITR. Income details are not available as you're a student.
Update the post with their response.

 

[naman2634]

Ok i will update here as soon as i receive a response from PNO.

 

[BrokenBoot]

Write mail to Managing Director about this issue, and then tell the branch that you have made complaint to MD. then they should close the account quicker.
that's how i solved it. name the employees of branch in your mail.

 

[naman2634]

Write mail to Managing Director about this issue, and then tell the branch that you have made complaint to MD. then they should close the account quicker.
that's how i solved it. name the employees of branch in your mail.

But they said without removing EDD this account will remain close forever.
Can you tell more how your EDD was removed🙏🏻

 

[SonyTom]

I went to branch today for unblocking but he was not at all helpful it was like I was a criminal and I have some scam or what and he told that digisave account is like for pocket money you have done a lot of transaction and according to him the account is blocked by ministry of finance.
I will write mail to PNO now.

Ministry of finance !!!

If you had recorded it, you could have used it against them.

 

[naman2634]

Ministry of finance !!!

If you had recorded it, you could have used it against them.

Yeah I was like if it was blocked by them all of my accounts would have been blocked but I don't know what his mood was I asked 2-3 times that I don't have ITR what options do I have as a student he said talk to your CA we can't help you.

 

[komal]

Yeah I was like if it was blocked by them all of my accounts would have been blocked but I don't know what his mood was I asked 2-3 times that I don't have ITR what options do I have as a student he said talk to your CA we can't help you.

Wo log dara rahe hai tumhe , relax
Account me occupation kya hai tumhare ?
Pno ka email ka wait karo ..

 

[naman2634]

Wo log dara rahe hai tumhe , relax
Account me occupation kya hai tumhare ?
Pno ka email ka wait karo ..

Student
I opened this account in April 2023 when I was in my 1st year of college