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Submit your complaint →Mohammed Nizam Uddin, a Senior Recruiter, has raised a serious complaint against HDFC Bank’s Nanakramguda Branch (Code 9383) after a cheque deposited on October 3, 2025, remained uncleared even after 10 days. Despite repeated follow ups, the amount was not credited, and the Relationship Manager failed to provide a resolution. Choice4Voice.com investigates the case, explaining how such banking delays can be escalated through proper legal channels including the RBI Ombudsman and Consumer Forum.
Customer Complaint Against HDFC Bank Over 10-Day Cheque Clearance Delay
Author Details
Complainant Name: Mohammed Nizam Uddin
Profession: Senior Recruiter (Group Manager)
Platform: LinkedIn
Date of Complaint: October 13, 2025
Branch Involved: HDFC Bank, Nanakramguda Branch, Hyderabad
Branch Code: 9383
Complaint Summary Table
| Details | Information |
|---|---|
| Bank Name | HDFC Bank |
| Branch | Nanakramguda Branch, Hyderabad |
| Branch Code | 9383 |
| Date of Cheque Deposit | 3rd October 2025 |
| Date of Complaint | 13th October 2025 |
| Issue Reported | Cheque not credited even after 10 days |
| Complainant’s Action | Multiple follow-ups with Relationship Manager |
| Bank’s Response | Promised credit by 9th October but failed |
| Current Status | Amount still not credited, no resolution provided |
| Platform of Complaint | |
| Complainant’s Expectation | Immediate credit and written explanation for the delay |
Complaint Overview
Mohammed Nizam Uddin, a senior recruiter with expertise in AI-enabled sourcing and hiring, has accused HDFC Bank’s Nanakramguda Branch (Code 9383) of extreme negligence and delay in processing a cheque deposit.
According to his LinkedIn post, he deposited the cheque on October 3, 2025, and even after 10 days, the funds were not credited to his account. Despite repeated follow-ups, the Relationship Manager assured him that the cheque would clear by October 9, yet no action was taken.
This kind of delay not only disrupts financial planning but also raises questions about internal accountability and customer service at one of India’s largest private banks.
Possible Reasons for Cheque Clearance Delays
Cheque delays can occur for various reasons, such as:
- Technical issues in cheque scanning or clearing systems
- Inter-branch or inter-city cheque processing delays
- Holidays or weekends in between the deposit and clearance date
- Errors in MICR code or signature mismatch
- Negligence in internal follow-ups by bank staff
However, in this case, the delay has clearly exceeded the standard 2–3 business day window for local cheque clearance, making it a legitimate grievance.
How Choice4Voice.com Helps Consumers
Choice4Voice.com is India’s growing consumer-advocacy platform that gives voice to genuine customers whose issues remain unresolved by companies and banks. When a verified complaint like this is submitted:
- The complaint is reviewed for authenticity and supporting proof.
- Choice4Voice publishes it publicly on its platform and LinkedIn to draw attention from the concerned company.
- The complaint is forwarded to the appropriate regulatory authority if required such as the RBI Ombudsman or Consumer Forum.
- Public visibility pressures the organization to act promptly and resolve the matter.
This transparent and ethical approach has already helped several consumers receive long-pending resolutions.
Legal Actions the Complainant Can Take
Here are the official steps Mohammed Nizam Uddin can pursue if HDFC Bank fails to act promptly:
| Authority | Purpose | Action Steps |
|---|---|---|
| RBI Ombudsman (https://cms.rbi.org.in) | To file a complaint against unfair banking practices | Submit a detailed grievance with supporting proof (cheque slip, messages, etc.) |
| Consumer Forum (https://edaakhil.nic.in) | For compensation for mental harassment and financial loss | File a consumer case under Section 35 of the Consumer Protection Act |
| Bank Grievance Redressal Cell | To escalate complaints within HDFC | Write to grievanceredressal@hdfcbank.com with SR details and documents |
| Banking Codes and Standards Board of India (BCSBI) | To report service violations by banks | Submit service violation details through RBI channels |
Step-by-Step Guide to File an RBI Ombudsman Complaint
- Visit the RBI Complaint Management System: https://cms.rbi.org.in
- Select the complaint type: Banking Service Failure – Delay in Cheque Clearance.
- Attach supporting documents such as cheque deposit slip, SMS communication, and complaint reference number.
- Submit complaint and save the acknowledgment number.
- Track progress using the same number on the portal.
Pre-Drafted Email to Escalate the Case to HDFC Bank
To: grievanceredressal@hdfcbank.com
Subject: Urgent – Cheque Clearance Delay at Nanakramguda Branch (Complaint Reference SRXXXXX)
Dear HDFC Grievance Team,
I had deposited a cheque on 3rd October 2025 at your Nanakramguda Branch (Code 9383), but it has not been credited even after 10 days. Despite several follow-ups, I have received no satisfactory response.
Kindly process the cheque immediately and provide a written explanation for the delay. Please treat this matter as urgent.
Best regards,
[Your Full Name]
Account Number: [Last 4 digits only]
Mobile: [Your contact]
How to File a Consumer Forum Complaint
- Visit https://edaakhil.nic.in.
- Register using your mobile number and Aadhaar.
- Upload your complaint document and proof (cheque slip, bank response, etc.).
- Select HDFC Bank Ltd. as the opposite party.
- Submit the case and track its progress online.
Conclusion
HDFC Bank’s handling of this cheque clearance issue highlights the importance of customer-centric service and timely communication. Banking delays cause significant inconvenience and financial uncertainty for customers.
With growing consumer awareness and advocacy platforms like Choice4Voice.com, such cases no longer remain hidden they demand accountability and action.
Q&A Section
Q1. What is the standard cheque clearance time for HDFC Bank?
A. Normally 2–3 business days for local cheques and 5–7 days for outstation cheques.
Q2. What should I do if my cheque is not cleared after 7 days?
A. Contact your branch, get a complaint ID, and escalate to the Nodal Officer or RBI Ombudsman.
Q3. Can I claim compensation for delayed cheque clearance?
A. Yes, under RBI guidelines, banks may be liable to pay compensation for undue delays.
Q4. How can I contact HDFC Bank’s grievance redressal team?
A. You can write to grievanceredressal@hdfcbank.com or visit the nearest branch.
Q5. What documents should I keep for proof while complaining?
A. Cheque deposit slip, acknowledgment receipt, and any communication with the bank.
Q6. Can the RBI Ombudsman penalize banks for service lapses?
A. Yes, the Ombudsman can order compensation or direct the bank to rectify the issue.
Q7. What is Choice4Voice.com?
A. Choice4Voice.com is a consumer-advocacy platform that publishes verified complaints to hold companies accountable and assist consumers in escalation.
Q8. How does Choice4Voice.com verify complaints?
A. Every complaint is manually reviewed for authenticity and supporting documents before being published.
Q9. Can I submit my banking complaint on Choice4Voice.com?
A. Yes, you can submit genuine complaints through the Google Form available on the site.
Q10. What happens after I submit my complaint to Choice4Voice.com?
A. If verified, your complaint is published online and shared on LinkedIn to increase visibility and pressure for resolution.
Q11. How long can a cheque remain uncleared?
A. It depends on the bank’s process, but typically it shouldn’t exceed 7 business days.
Q12. Can I stop a cheque that’s delayed in clearance?
A. Yes, you can issue a stop-payment request if necessary, especially in fraud-related delays.
Q13. Who regulates cheque clearance timelines in India?
A. The Reserve Bank of India (RBI) regulates timelines and compensation norms.
Q14. Can banks hold cheques for verification?
A. Only under specific cases of suspicion or verification, and customers must be informed in writing.
Q15. Is cheque clearance delay common in private banks?
A. Not common, but it can occur due to technical or internal process issues.
Q16. What is AEPS fraud in banks?
A. AEPS refers to Aadhaar-enabled transactions; sometimes fraud occurs due to unauthorized access.
Q17. Can I escalate bank complaints online without visiting the branch?
A. Yes, you can do it via the RBI CMS portal or Choice4Voice.com’s complaint submission form.
Q18. How can I track my complaint status at HDFC Bank?
A. Use the Service Request (SR) number on HDFC’s website or mobile app.
Q19. Can I get refund or compensation from HDFC Bank for delayed services?
A. Yes, if proven that the delay was due to negligence.
Q20. Why should consumers report their issues publicly?
A. Public visibility ensures faster action and holds companies accountable for their services.
