Security for HDFC Bank Netbanking

HDFC Bank is one of the best banks that offers highly secure facilities for Netbanking. Most of the NRI customers use HDFC Bank for NRI Banking. This is mainly because of the security level that is provided for HDFC Netbanking services.

HDFC uses cutting edge technology to handle this. The security for HDFC Netbanking can be divided into three

1. Security at HDFC Netbanking Login
2. Post Login Security
3. Server side security

Login Security for HDFC Bank Netbanking

1. Login Security

HDFC has ensured NetBanking security at Login itself. NetBanking account can be opened only if customer ID and IPIN (internet banking password) are provided. These are private to the customer. Without a valid IPIN provided against the customer ID, Netbanking account cannot be accessed by anyone. This is how secure access at HDFC Netbanking login is established. In addition, the NetBanking service for an HDFC Bank account will be revoked if not in use by customer for more than 999 days for security.

2. IPIN Security

IPIN is randomly generated by the secure system at HDFC and is directly printed on a tamper proof media such that it is cannot be accessed by anyone other than owner of the account. Customer will forced to change his IPIN just after the first login. IPIN is extremely maintained safe by the Bank and is stored by use of encryption technology in such a way that even system administrator has no access to it.

3. Virtual keyboard

HDFC Bank customers should use the feature of Virtual Keyboard while using HDFC Bank Netbanking login. This protects the users IPIN from being watched by keylogger softwares that may be installed on untrusted or shared computers in internet cafes, WiFi Hotspots e.t.c.

Post Login or Transaction Security for HDFC Bank Netbanking

1. Session Security

Access to Netbanking webpage is provided with a security feature that encrypts the session between the customer’s computer and the webpage using 128-bit encryption. The communication between the customer’s computers and the webpage cannot be intercepted by anyone over the internet. If a prolonged inactivity is noticed then HDFC Bank systems will time out the login sessions. This is for protection against misuse.

2. Digital Certificate

The digital certificate provided by Verisign is used to mark all the webpages of the HDFC Bank’s internet banking server to ensure its customer that they are on the correct site. This will help against phishing, fraud and fake site that may steel your account information.

3. Insta Alert

Customers will get SMS/ Email alert after making a registration for defined transaction denominations and while adding beneficiary/ies for carrying out Third Party Transfers. This part of the security is managed by HDFC Bank InstaAlert service.

Other Server Side Security for HDFC Netbanking

1. Security Solutions

All the banking systems at HDFC Bank are made secure by using state-of-the-art security solutions acknowledged worldwide like intrusion prevention systems, intrusion detection systems, firewalls, anti-malware systems to extend the secure banking services to HDFC Bank customers.

2. Security Teams

Round the clock there are robust processes run by security professionals and service providers to monitor the security of HDFC Bank Netbanking services.

The above are the three main ways in which HDFC Bank ensure security to customers and provide secure access to HDFC Netbanking. The Netbanking facility and the security feature of the same along with many other benefits of HDFC NRI Banking services, the bank has  attracted many NRIs to invest in this bank.