[Resolved]  HDFC Bank — Harassment

Address: Sonitpur, Assam, 784001

Website: www.hdfcbank.com

Sir,
On[protected] i went to the hdfc bank, tezpur branch (Assam) to deposit a cheque (Rs. 7, 123.00) of federal bank in the hdfc bank a/c no.[protected] of guwahati branch. Before depositing the cheque i wanted to confirm the a/c number and went to the counter no.-1 (Welcome desk). On observing non-home branch a/c on the ‘deposit slip’, the lady in that counter, ms. Rashmi rekha bardoloi, did not confirm the account number and refused to accept the cheque.
She pointed out that the account in which the cheque was intended to deposit was a non-home branch. She was not supposed to provide service for the hdfc non-home branch for, by doing that her own branch would not be benefitted. She had a lot of works to do but to provide service for the account maintained in hdfc guwahati branch. The party could have transferred the amount through neft instead of issuing the cheque.
As i went on requesting her to accept the cheque she asked me that why i had become so ‘adamant’. She told me that if she accepted the cheque that would increase number of “physical transaction” and for that her branch and she would become accountable. She cited our prime minister, shri narendra modi’s “digitalization” and advised me to go to federal bank for neft.
Surprisingly, neither did she confirm nor she accepted the cheque. As i was standing helplessly in front of the ‘welcome desk’, a male hdfc official came to me and accepted the cheque and handed over the counterfoil with the official seal without uttering a single word.
Ms. Rashmi rekha bardoloi gave me an ultimatum; that was the last occasion that the cheque was accepted and ordered me not to go to the branch for such service in future.
I felt insulted and embarrassed as i made to feel that i was an intruder and the most unwanted in the branch.

My questions are;
1. Was the hdfc bank tezpur (Assam) branch not supposed / authorized to accept cheques to be deposited in the account of hdfc bank guwahati branch?
2. How did any transaction by cheques become “physical transaction”? How could she become accountable for increased such “physical transaction” by cheques?
3. How could she compare “cheque transaction” with pm’s “digitalization”?
4. How could she behave with a 55 years old man in the hdfc office premises to give an impression as if the person (It’s me) were involved in some activities highly detrimental to the hdfc tezpur branch?

Hope, i would get the proper clarification of the above.

Please note:
1. The above mentioned cheque was issued by m/s assam pharmaceuticals, tezpur against one of our invoices raised by m/s punnagiri drugs & pharmaceuticals, guwahati.
2. M/s punnagiri drugs & pharmaceuticals, guwahati is our ‘consignee agent’ and m/s assam pharmaceuticals, tezpur is our authorized stockist in tezpur.
3. I collected the payment by cheque and wanted to deposit the same in the hdfc bank account of m/s punnagiri drugs & pharmaceuticals.

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4. I have net banking facility in both my bob and sbi personal accounts and 90% of the transaction is done digitally.

Thanking you.

Yours faithfully,


Ratish kumar dey
(Guwahati,[protected]
Zonal sales manager, n. E. States,
Guwahati hq,
Pharmadent remedies p. Ltd.
Phone -[protected]
Mail: [protected]@rediffmail.com