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 🙏

 

[Ram1]

So no transaction or account is safe these days.
Account getting blocked just for rotating 40k per month, what to say?

Its wake up call,atleast for me. Wont keep funds in savings accounts.

So banks want us to keep balances, withdraw balances. Pathetic

 

[Rajx99]

So no transaction or account is safe these days.
Account getting blocked just for rotating 40k per month, what to say?

Its wake up call,atleast for me. Wont keep funds in savings accounts.

So banks want us to keep balances, withdraw balances. Pathetic

No, its digisave youth account which is specially meant for students, OP had mentioned student with no income in his account's profile and used this account on regular basis with few big transcations, that's why it got flagged. If it was regular or any other higher variant account then nothing would have happened

 

[Ram1]

No, its digisave youth account which is specially meant for students, OP had mentioned student with no income in his account's profile and used this account on regular basis with few big transcations, that's why it got flagged. If it was regular or any other higher variant account then nothing would have happened

Still 40k transaction per month is not a big deal for a savings account right.

 

[Kumar93196]

Still 40k transaction per month is not a big deal for a savings account right.

Its no big deal unless its happening on regular basis along with this 40k other transaction are also happening

 

[Ram1]

Its no big deal unless its happening on regular basis along with this 40k other transaction are also happening

But the OP didn't mention any big transactions other than 40k

 

[Kumar93196]

But the OP didn't mention any big transactions other than 40k

Now only op knows what he's doing....

 

[komal]

So no transaction or account is safe these days.
Account getting blocked just for rotating 40k per month, what to say?

Its wake up call,atleast for me. Wont keep funds in savings accounts.

So banks want us to keep balances, withdraw balances. Pathetic

Keep doing genuine transactions nothing will happen .
Regularly update your income details as well .

 

[naman2634]

UPDATE:
Today I visited the branch and met with the Branch Manager. I explained the complete situation to him, including that the funds coming into my account are from rent, and the rest is money sent by my father and sister for my household expenses. I also explained that some of the transactions were due to wallet reload offers I used.

The Branch Manager was very shocked at first and said “this is not justifying”, but I calmly explained everything in detail. He then asked for my Kotak and Canara Bank statements, which I submitted.

At one point he even said this “looks like tax chori”, but I again clarified the purpose of each transaction properly.

He told me to submit the documents, and said that if the backend team is satisfied, the account will be unblocked, but when I asked about the timeline, he said he doesn’t know.

Now I’m confused about what to do next as the branch manager didn’t seem fully convinced. What should I do next?

 

[komal]

UPDATE:
Today I visited the branch and met with the Branch Manager. I explained the complete situation to him, including that the funds coming into my account are from rent, and the rest is money sent by my father and sister for my household expenses. I also explained that some of the transactions were due to wallet reload offers I used.

The Branch Manager was very shocked at first and said “this is not justifying”, but I calmly explained everything in detail. He then asked for my Kotak and Canara Bank statements, which I submitted.

At one point he even said this “looks like tax chori”, but I again clarified the purpose of each transaction properly.

He told me to submit the documents, and said that if the backend team is satisfied, the account will be unblocked, but when I asked about the timeline, he said he doesn’t know.

Now I’m confused about what to do next as the branch manager didn’t seem fully convinced. What should I do next?

Rent le rahe ho , high transaction values hai , fir aap digisave kyu use karre ho wo bhi profile me student dal kar .
Normal account use karo with occupation as salaried or self employed.
Unka algorithm to account freeze kar hi dega , kuch unusual laga to .

Wait karlo kya bolta hai unka backend team , akhir unblock to unhi ke hath me hai .

 

[Strange]

What should I do next?

Puri story with employee names md desk ko email kardo at managingdirector@hdfcbank.com

 

[GhanaKasoota]

Yup, probably in the profile, it's a student with 0 income. Also, can you provide the volume of total transactions deposit in a month? And the highest value of a single transaction.

Puri story with employee names md desk ko email kardo at managingdirector@hdfcbank.com

With the story, add as much proof as possible and express the harassment, too.

 

[aniplox]

I am scared now after reading this thread, How to convert this digisave youth account to normal savings account now.

 

[aniplox]

Are they really cracking down on digisave account? branch employees call me regularly to notify me about loan offers etc.

 

[GTSaketh]

I am scared now after reading this thread, How to convert this digisave youth account to normal savings account now.

it's fine as long as you don't do same wallet transaction. Also put good salary in profile

 

[GTSaketh]

You can change here if you want https://instaservices.hdfcbank.com/?journey=102&LG=&LC=&source_type=103

 

[varun__goel_]

I am scared now after reading this thread, How to convert this digisave youth account to normal savings account now.

Use this link:

Home · Customer Journey

 

[aniplox]

it's fine as long as you don't do same wallet transaction. Also put good salary in profile

Already have good salary in profile. Wallet reload toh Krna pdta hai for 400 ki pension 🙂

 

[keshavab]

I also have digiyouth account, I did wallet reload every month , noting wrong happen
I have updated my profile properly with the proper income value
Nothing is wrong in legit transaction
But everyone should understand algorithm
Should use imps,neft for higher transaction
Income should aline with transaction turnover
Also avoid taking transition from P2P
Like op is taking rent (that's also a big trigger in system)
Every block happen Rbi ombudsman is there