The phone banking services of HDFC bank has one of the worst IVR options.
When a person dials the customer service number he is directly made to hear the IVR which says the various options for savings accounts, demat accounts, mutual funds etc. in three different languages one after the other.
For ex. they say dial 1 for savings account (first in english, followed by hindi and marathi). And, this continues for all the other options.
Instead of this we should hear the IVR options to select the preferred languages as soon as we dial in the number.
Moreover, if I have to talk to any customer service representative, I have to go through various menus, listen to unwated details of my account and then too, there is no direct option to contact them.
And going around through many options for about five minutes and then dialing in again couple of times, I found a way wherein you to select one option to know your check status and that is where you are transferrred to an agent.
This is ridiculous on the part of HDFC bank.
The is intentional act from them to discourage the customers from approaching them.
A school going child can also understand the intention of providing such a tedious IVR option.
I would only say that they are now easily avoiding the customers, but in the long run people will start avoiding them and ultimately this bank will cease to exist.