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Never, ever have anything to do with HDFC bank. SB account, Demat/Trading account or any type of account. Cut-throat bank, having no qualms about cheating their customers in any or all possible manner. For instance, as of now (11-09-2020), it is the only bank in India, that is charging their customers for doing IMPS transactions over their netbanking system !! Their phone banking service, Netbanking service and branch banking service are all of pitiable quality and is the worst in the banking industry, by any standards. I am a retired employee of the Central bank of the country and I know what i am talking about. Never have anything to do with this bank. Sooner or later, you will get your reward for not heeding to this advice.