How long do you think HDFC Bank will take to transfer the money from your account to your nominee's after you die? Public sector banks get a bad rap, but it's been more than a year and we have not been able to get funds transferred from my now deceased husband's account in the country's largest private bank. The nominee is our adult daughter, there are no conflicting claims, the paperwork is clear, and yet for more than a year now HDFC has been giving us the run around. Get this paper, get that paper. Each time my daughter comes home for holidays, we have to take 2 days out to go and wait at the bank branch. Today, more than a year after the first application, they said a) we can't find the paperwork including the death certificate you submitted because the employee you submitted to is not here b) you have to get a stamp paper and notarise it for the auto debits that hit his account between the date of his death and the date the account was frozen (on the basis of the paperwork in point a, now non-traceable) c) you have to get HDFC Standard life to sign off because there is an auto debit for an investment from his account. (ME: they are the payee, he is the payer, why does the payee need to approve stopping a standing instruction? Bank: Hamare main aise hi hai). If you wait for 30 minutes, we'll get you the form. d) after 30 minutes. Sorry, we can't get the form, you have to go to their office and do it. By now it is 2.45 PM, HDFC Standard life office is at least 35 minutes away. They are open only till 3.30 PM. We are not sure we'll make it there on time. I call their number to ask if the branch is open tomorrow. Person: Sorry, I can't give you the information today, you will have to call and check tomorrow. (To repeat: HDFC Standard Life's call centre cannot tell you if a branch is working or not the following day) In all, we have spent many hours over many months trying to get this money in a case the bank officials themselves say "should not be complicated". What is worse is for my 20-year-old daughter to relive the trauma of losing her father each time we have to go and explain the case. Just today, we had to speak to three different people and start the story from the beginning. This is not just the bank's inefficiency, it is its utter callousness. (My husband also had money in Indusind Bank. It took one visit and two weeks for that to be transferred). The other, more important point, is that I have a job, we have the money to continue to pay for our needs without having to immediately access these funds. But I am certain that is not the case for many others. What about them? How can this be the system of a bank whose customers are dependent on it for giving them access to their own money?! It beggars belief. @HDFC_Bank @HDFCBank_Cares