HDFC Bank’s Sector 46 Gurugram Branch Faces Allegations of Delayed Action, Account Freeze and Disrespectful Conduct Towards Business Client

HDFC Bank is facing serious allegations from Gurugram-based company “Settlement of Loan,” which claims that its operational bank account has remained frozen for more than a week despite completing all compliance formalities and verification procedures at the bank’s Sector 46 branch in Gurugram.

According to the company, the issue started on 6th May 2026, when its business account was suddenly frozen, bringing day-to-day financial operations to a halt. Settlement of Loan alleges that the freeze directly impacted employee salaries, office rent payments, vendor settlements and routine transactions, causing significant operational and financial stress.

The company claims that an official email received from the bank on 6th May stated that, in accordance with guidelines of the Reserve Bank of India, only the disputed amount should be blocked and not the entire account. Despite this, the company alleges that the complete current account was frozen, leaving the business unable to function normally.

On 7th May 2026, authorized company representative Alok Kumar Jha reportedly visited the HDFC Bank Sector 46 Branch in Gurugram to complete the KYC formalities requested by the bank. According to the company, all required documents and verification procedures were completed during the branch visit itself.

However, despite complying with the requested process, the account allegedly remained frozen.

The company says branch officials informed them that a physical home verification would be conducted before the account could be restored. Settlement of Loan alleges that this verification process itself took several days, with the home visit finally taking place on 11th May.

Even after the verification was completed, the account allegedly remained inaccessible as of 14th May 2026.

What has caused even greater outrage for the company, however, is the alleged behaviour of Relationship Manager “Rajesh” at the Sector 46 branch. Settlement of Loan claims that instead of assisting professionally in resolving the issue, RM Rajesh allegedly spoke in a highly disrespectful and dismissive manner to the company representative during follow-up conversations.

According to the company, Rajesh allegedly stated:

“You can do whatever you want. Your one complaint will not do anything to me.”

The company further alleges that the RM casually informed them that the process could take another five to six days despite the account already remaining frozen for more than a week.

Settlement of Loan claims the tone and language used by the Relationship Manager were deeply unprofessional and insulting, especially at a time when the company was already facing severe financial disruption due to the account freeze. The company says that instead of providing support or clarity, the behaviour displayed by the concerned official reflected a complete lack of accountability and customer sensitivity.

The company has additionally named Jyotsna Bhatt, identified as a Personal Banker Authoriser, and Ajay, allegedly associated with customer support escalations on X (formerly Twitter), claiming that repeated complaints and follow-ups failed to produce any meaningful resolution.

The prolonged freeze has reportedly left the company struggling to manage employee salaries, office rent obligations and operational expenses. Settlement of Loan says the continued delay has damaged both internal operations and business credibility.

The incident has once again raised broader concerns regarding customer grievance handling standards in major banking institutions. While banks are expected to follow compliance and anti-fraud regulations, businesses argue that legitimate customers should not be forced into operational paralysis after already fulfilling all required verification procedures.

Industry experts have frequently pointed toward proportional restriction principles under RBI-guided banking practices, where, unless directed otherwise by competent authorities, only the disputed amount is expected to be restricted rather than completely disabling operational business accounts.

At the time of writing, no official public clarification had been issued by HDFC Bank regarding the allegations connected to its Sector 46 Gurugram branch or the conduct alleged against RM Rajesh.