HDFC Experience

HDFC NRI Experiences in dealing with account changes upon demise of a holder. The primary intent of this blog is to help others with have a similar situation as ours. Secondary intent is for HDFC management to fix their business processes and train their personnel to deliver an exceptional customer experience. I have not mentioned any names to protect privacy of the people involved. Our father passed away on June 10th 2020. My brother and I came down from USA to help our mom sort things out. One of the major tasks we had to deal with was HDFC bank and  securities.  My mom is a US citizen, residing in India with an oversees citizen of India (OCI) and my dad was an Indian citizen. Both have been living in India for the last 5 years and have joint holdings in HDFC Savings Account as well as HDFC Securities/Demat accounts. Upon his death, she decided to move back to the US with us. Here in lies the complication. All her accounts have be converted to NRO, delete his name from the j...