February 04, 2026 08:44 am (IST)
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HDFC Bank launches 'Bank Aap ki Muththi Mein'
Varanasi, Dec 16 (IBNS: HDFC Bank on Tuesday launched 'Bank Aap Ki Muththi Mein', an offering that literally turns a mobile phone into a bank branch.
With over 75 transactions -- all a touch away - it offers the customer the widest range of transactions conceivable. These are both financial and non-financial transactions that he needs in his daily life for which he would have to visit a branch, or an ATM. It is by far the largest offering of its kind by any bank in India.
Besides essential transactions such as booking fixed- and recurring deposits, bill and tax payments, buying insurance and mutual funds, the offering will also allow customers-- for the first time in the country-- to buy instantly all kind of loans.
It also offers them fully customized, location-specific promotions, offers/deals on shopping, dining, movies and entertainment.
"With ‘Bank Aap Ki Muththi Mein’, you can do everything other than access your locker, and deposit or withdraw cash. Customer convenience is central to our concept of Digital. And, there is no bigger convenience than bringing your bank to the palm of your hand. We are very excited to unveil our 'Bank Aap Ki Muththi Mein' offering and with it world class experience of banking to millions of our countrymen," said NitinChugh, Head – Digital Banking, HDFC Bank speaking atthe launch in Varanasi.
Part of the Bank's digital banking offering christened GoDigital, ‘Bank Aap Ki Muththi Mein’, is technology agnostic and runs on all mobile devices popular technology platforms support. As of September 2014, India had over 900 million mobile users in the country but only 40 million mobile banking customers.
‘Bank Aap Ki Muththi Mein’ works on both a smart phone as well as the basic phone that supports internet browsing. For phones that do not support internet browsing, there's sms-banking and missed-call banking. All that a customer needs to do is send a text to or call a toll free number to know his account balance, get a mini statement, request a check book or detailed account statement.
“At HDFC Bank we understand our customers’ needs and provide them with practical,common-sense banking solutions. We want to be active partners in a new digital India. Through smart adoption of simple technology we can help move towards real financial inclusion,” Chugh added.
Today, 55% of all transactions at HDFC Bank are conducted through digital channels.
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