HDFC Bank’s services to be temporarily limited during upgrade on July 13

HDFC Bank schedules upgrade on July 13. Some banking services will be disrupted.

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26 Aug, 2025 12:21

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HDFC Bank is undertaking a system upgrade on July 13. The Bank is migrating its Core Banking System (CBS) onto a new engineered platform with the aim of enhancing customer experience for its growing customer base of 9.3 crore individuals and businesses across the country. This migration will allow the bank to improve performance speed, expand its capacity to handle high traffic volume, boost reliability and scalability.

With this upgrade, HDFC Bank will be one of the largest banks in terms of its size and banking volume in the country to host its Core Banking System on a new-gen platform.

Scheduled upgrades start time on 13 July is 3 am and ends at 4.30 pm on the same day.

During this 13 and a half-hour window, customers will be able to access the following services as explained (see graphic).

Cash Withdrawal: Debit and Credit Cards

Customers can continue to withdraw cash from any ATM using their HDFC Bank debit card (up to a restricted amount) or credit card. The account balance displayed will be as of 7:30 pm on Friday, 12th July 2024.

Also read | HDFC Bank has revised terms for credit cards: Here are the key changes

Shop & Pay: Debit Cards, Credit Cards and UPI

At stores, customers can continue to use their HDFC Bank debit card (up to a restricted amount) or credit card on swipe machines.

Online, customers can make seamless online purchases with their HDFC Bank debit card (up to a restricted amount) and credit card.

Customers can continue to use the UPI service. However, it will be unavailable from 3:00 AM to 3:45 AM and from 9:30 AM to 12:45 PM on Saturday, July 13, 2024.

Card Management

Customers can continue to hotlist their card, reset their PIN and perform other card-related activities.

Also read | Tata Neu Infinity HDFC Bank Credit Card updates NeuCoin rewards on UPI transactions: Key changes explained

Merchant Payments

Merchants can continue to receive payments via cards, but updates to the account for previous day’s payments will be available post-upgrade completion.