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Current Accounts Fixed Deposits Recurring Deposits Demat Account Safe Deposit Lockers Offers & Deals Tools & Utilities Customer Centre Demat Account Features and Benefits Concepts & Processes Fees & Charges Dp on Net FAQs Apply Now Demat Account FAQs If you have any queries that are not answered here, please call us or write to us. Please select a topic below to view the FAQs. Account Opening Operations Dematerialisation Trading Depository Statements Charges DP@NETebroking Nomination Trading Corporate Benefits Transmission General Trading Pledging Trading Public Offer Trading Settlement Account Opening Can I open more than one demat account with only one DP in identical nam es? Can a depository account be opened with four holder's names? What are the different categories of accounts that can be opened under a n individual demat account? What are the different categories of accounts that can be opened under a corporate demat account? What is 'Standing Instruction' given in the account opening form? Can I operate a joint account on "either or survivor" basis just like a bank account? Can I add or delete names of accountholders (second or third accounthold er) after opening the account? Can someone else operate my demat account on my behalf on the basis of P ower of Attorney? Does the customer have to necessarily operate his demat account from the same branch where the account is opened? What are the requirements for opening an individual demat account with H

DFC bank? What are the requirements for opening a corporate demat account with HDF C bank? What is a clearing member account and how is it different from a benefic iary account? What are the requirements for opening a clearing member demat account wi th HDFC bank? Can the existing corporate demat account be continued in case of a name change? Can the existing corporate demat account be continued in case of a name change? What are the requirements for opening a NRI demat account with HDFC bank ? What are the requirements for opening an HUF demat account? What are the requirements for opening a demat account in the name of a m inor? What are the two categories of trust accounts that can be opened? What are the requirements for opening a trust account? Does the customer have to affix his photograph while opening a new demat account if he already has an existing demat account? Why should I give my bank account details at the time of account opening ? How can the holder/s change the existing mandate/bank details in his dem at account? What does MICR stand for? Should the customer intimate the companies individually regarding the ch anges in bank details/mandate for the shares held his demat account? How can the holder/s change the existing debit authorisation in his dema t account? What is the procedure for effecting change of address in an individual d emat account? What is the procedure for effecting change of address in a corporate dem at account? Can I operate a joint account on "either or survivor" basis just like a bank account? Can I add or delete names of account holders (second or third account ho lder) after opening the account ? Can I open an account in a single name for shares held in joint combinat ion of names? Do I have to keep any minimum balance of securities in my account? Can someone else operate my account on my behalf on the basis of a power of attorney? How can a demat account holder/s apply for a new delivery instruction bo oklet ? What is the procedure to be followed when a customer has lost/misplaced his slip/instruction booklet? Can I freeze my account? What is the procedure to be followed for freezi ng / defreezing a demat account? Does the Depository Participant have the right to suspend a demat accoun t? What is the procedure to be followed if the customer wishes to change hi s existing signature recorded with the DP? What is the procedure to be followed if the customer wishes to change hi s existing signature but is unable to remember his old signature? What is the procedure to be followed if the customer wishes to change hi s existing signature but is unable to sign due to old age/paralytic stroke? What are the requirements for opening a Limited Liability Partnership de mat account with HDFC bank?

Can I open more than one demat account with only one DP in identical names? Yes. You can open more than one demat account in identical names. There is no re striction on the number of demat accounts you can open with the same/other DP's. Top

Can a depository account be opened with four holder's names? Yes, a depository account can be opened in the names of four holders but the acc ount can be operated only for demateralisation of shares held in the same combin ation. No shares can be credited by purchase or transferred from any other accou nt. Hence the standing instruction for credits will be 'N' for such accounts Top

What are the different categories of accounts that can be opened under an indivi dual demat account? The different categories of accounts that can be opened under an individual dema t account are Ordinary Resident, Hindu United Family (HUF) , Non Resident Indian - Repatriable, Non Resident Indian- Non Repatriable, Margin , Promoter, Others Top

What are the different categories of accounts that can be opened under a corpora te demat account? The different categories of accounts that can be opened under a corporate demat account are Body Corporate, Bank, Financial Institution , Foreign Institutional Investor , Overseas Corporate Body & Others Top

What is 'Standing Instruction' given in the account opening form? In a bank account, credit to the account is given only when a 'paying in' slip i s submitted together with cash/cheque. Similarly, in a depository account 'Recei pt in' form has to be submitted to receive securities in the account. However, f or the convenience of investors, facility of 'standing instruction' is given. If you say 'Yes' for standing instruction, you need not submit 'Receipt in' slip e verytime you buy securities. Top

Can I operate a joint account on "either or survivor" basis just like a bank acc ount? No. The demat account cannot be operated on "either or survivor" basis like the bank account. It has to be operated by all the account holders. Top

Can I add or delete names of accountholders (second or third accountholder) afte r opening the account ? No. Names of the accountholders for a depository account cannot be changed. If y ou want to change name or add / delete an accountholder, you need to open a new account in the desired holding pattern (names) and transfer the securities to th e newly opened account. The old account may be closed. Top

Can someone else operate my demat account on my behalf on the basis of Power of Attorney? Yes. If you authorise any person to operate your account by executing a power of attorney , A Notarised copy of POA submit it to your DP, that person can operat e the account on your behalf. Ensure that the POA has the signature of both you being a Donor and the Donee. POA holder is also subject to KYC norms of the bank . Top

Does the customer have to necessarily operate his demat account from the same br anch where the account is opened? No, an HDFC Bank customer can operate his demat account from any of the deposito ry branches in India. Top

What are the requirements for opening an individual demat account with HDFC bank ? Mandatory Requirements :PAN Card copy for all the Applicant(s). Address proof for all the Applicant(s). Latest Photograph for all the Applicant(s) duly signed across to be affixed on the place provided in the account opening form. Cancelled cheque leaf for dividend Bank details. Customers could have/can open a savings/current account with HDFC Bank. OR Customers could pay an advance fee of Rs.2500/- for each demat account which will be adjusted against service charges. Top

What are the requirements for opening a corporate demat account with HDFC bank? Requirements:PAN Card copy of the Company. Account opening form duly completed in all respects. Photographs of all the authorised signatories duly signed across to be affix ed on the place provided in the application form.. Self attested ID proof required for all the authorized signatories. Copy of Memorandum and Articles of Association duly attested by the Company

Secretary / Director of the company. Board Resolution along with the name of the authorised signatories & their s pecimen signature on the company's letterhead stating that the company desires t o open a demat account with HDFC bank and that the authorised signatories will b e operating the said account as per the mode of operation given in the board res olution. DP Agreement to be executed on a stamp paper (value of stamp paper as per th e place of execution of agreement) Tariff Sheet duly signed by all the authorised signatories. Debit Authorisation signed by the bank account holders as per the mode of op eration in the board resolution for the bank account. Proof of address of the corporate: Document registered with ROC/ acknowledge d copy of Income Tax return/ Bank statement/ Leave & License agreement/ Agreemen t for purchase of office premises. Introduction by existing account holder or by applicant's bank. Top

What is a clearing member account and how is it different from a beneficiary acc ount? A registered member of any of the stock exchanges that have direct connectivity with the depositories holds a clearing member account or pool account. Pool acco unt is used by the members to hold securities from clients and deliver them to c learing corporations. This account is also used to receive securities from the C learing Corporations and onward distribution to clients. Top

What are the requirements for opening a clearing member demat account with HDFC bank? The requirements are the same as that of opening a corporate demat account. Addi tional documents required are:SEBI certificate. Stock Exchange Letter. In case the clearing member is shifting his account from another DP, then the cl osure letter acknowledged by the other DP is also required. Note :- Clearing mem bers are permitted to open only one account per Stock Exchange. Top

What are the requirements for opening a Limited Liability Partnership demat acco unt with HDFC bank? The requirements are the same as that of opening a corporate demat account. For corporate DR type account and for Individual DR type the requirements of Individ ual demat account is required. The following are the additional documents requir ed are:Standing Instruction can be ticked as "NO" (The customer has to give specifi c receipt instruction for receiving securities issued upon cancellation of DR). Declaration stating that this account is exclusively used for cancellation o f DR and no other securities will be held in this account.

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Can the existing corporate demat account be continued in case of a name change? Yes, The following are the requirements :Letter requesting change of name signed by the authorized signatories. Certified true copy of fresh certificate of Incorporation consequent upon change of name issued by the Registrar of Companies / Certificate of registration issu ed by SEBI / relevant Statutory Authorities as applicable. Certified Board Resolution for change of name. Top

Can the existing corporate demat account be continued in case of a name change? No, a new demat account needs to be opened in the changed name, shares are to be transferred from the old account to the new account and the old account needs t o be closed. Top

What are the requirements for opening a NRI demat account with HDFC bank? All the documents required as of Individual Demat Account. Additional documents required are : Attested copy of the Passport Copy and Visa. Declaration in the prescribed format or PIS approval copy (Portfolio Investm ent Scheme by Authorised Bank). Declaration stating he has complied and will continue to comply with FEMA Re gulations. Savings Bank account has to be NRE/NRO as applicable. Please note that if PIS approval is not given / applied then the standing instru ctions will be "N". For any further clarifications on Non-Resident demat account s please get in touch with our NRI cell at nricentre@hdfcbank.com. Top

What are the requirements for opening an HUF demat account? The requirements are the same as that of opening an individual demat account exc ept that the account will be opened in the name of the KARTA. No joint holding a nd nomination is permitted in this account. In addition the stamp of the KARTA s hould be affixed at all places signed by the KARTA. PAN copy of both the HUF and Karta is required to be submitted. Also Coparcener s declaration stating the name of the Karta and their relationship to the Karta is to be mentioned. Top

What are the requirements for opening a demat account in the name of a minor? The requirements are the same as that of opening an individual demat account exc ept that joint holder and nominee cannot be appointed. In addition photograph of the minor and the guardian, proof of identity and address of the guardian and t he proof of age (copy of birth certificate) of the minor is required. PAN card c opy of both minor and Guardian to be provided. Top

What are the two categories of trust accounts that can be opened? The two categories of trust accounts are private and public (Registered) trust. Private trust account is opened in the name of the trustees whereas public trust account is opened in the name of the trust. Top

What are the requirements for opening a trust account? The Requirements for opening a trust account are: Notarised Copy of Trust Deed. Attested copy of the trust resolution. Attested copy of the registration certificate (Public Trust Account) if the trust is registered under the Society Registration Act of 1850, Indian Public Tr ust Act of 1950 or Indian Trust act. Photographs of the trustees signed across. Income Tax Exemption Certificate (optional). However, in case of a company r etirement trust (i.e. Provident Fund Trust, Pension Fund, Gratuity fund, Super-a nnuation fund) the demat account will be opened in the name of the trust. Proof of address of the Trust: Document registered with registration authori ty / acknowledged copy of Income Tax return/ Bank statement/ Leave & License agr eement/ Agreement for purchase of office premises. Photo ID proof required for all the authorized signatories. PAN copy of the Trust. PAN coy of the Trustees, incase of an unregistered trust. Top

Does the customer have to affix his photograph while opening a new demat account if he already has an existing demat account? Yes, the customer has to affix his photograph every time he opens a demat accoun t. He cannot give a cross reference of his existing demat account. Top

Why should I give my bank account details at the time of account opening? It is in your interest. Your bank account number will be mentioned on the intere st or dividend warrant, you are entitled to, so that such warrant cannot be enca shed by any one else. Further, a DP cannot open the account if bank account numb er is not given. The account opening forms will be rejected, if the dividend man date column is not filled. Dividend mandate should be a valid savings bank accou nt ( i.e. the first holder in the demat account should be a holder in the saving

s / current account and the account can belong to any bank) and MICR code (9 dig its) should be mentioned if credit is required through Electronic Clearing Servi ces (ECS). Also specimen / copy of the cheque leaf to be provided to the DP. Top

How can the holder/s change the existing mandate/bank details in his demat accou nt? The holder can change his existing mandate/bank details by submitting a request letter mentioning the new bank account details duly signed by all the demat acco unt holders along with a copy of cheque leaf. Top

What does MICR stand for? MICR stands for Magnetic Ink Character Recognition Top

Should the customer intimate the companies individually regarding the changes in bank details/mandate for the shares held his demat account? No, the customer does not have to intimate the companies individually. When the dividend is announced for a particular security, the depository (NSDL/CDSL) will give all the details of the investors having electronic holdings of that securi ty as of record/book closure to the Issuer/Registrar. Top

How can the holder/s change the existing debit authorisation in his demat accoun t? The holder can change his existing debit authorisation by submitting a request l etter mentioning the new HDFC Bank savings / current account details duly signed by the savings / current account holder/s. Top

What is the procedure for effecting change of address in an individual demat acc ount? The change of address can be effected in an individual/HUF demat account on subm ission of the following:Duly completed Change of address form signed by all the demat account holder s/Karta. Copy of latest DP transaction statement. Proof of identity (Any one of the following) of the first holder in the dema t account. copy of Client's valid passport Driving Licence Election Id Card PAN Card with photograph

Proof of new address (Any one of the following) of the first holder in the d emat account. Ration Card Copy of Landline telephone bill not more than 2 months old (not WLL or M obile bill) Electricity bill (not more than 2 months old) Bank passbook Leave and License Agreement Copy of Agreement for purchase of premises Bank attested account statement specifying new address Visit the branch personally or authorize a representative with an ID card. Client or the representative has to sign once again in front of a DP officia l. Top

What is the procedure for effecting change of address in a corporate demat accou nt? The change of address can be effected in a corporate demat account on submission of the following:Duly completed Change of address form signed by the authorized signatories a s per the mode of operation with the rubber stamp of the company. Board Resolution confirming the change of address signed by the authorised s ignatories. Proof of address of the corporate (Document registered with ROC, acknowledge d copy of Income Tax return/ Bank Statement/ Leave & Licence agreement/ Copy of Agreement for purchase of premises). Latest transaction Statement of the demat account. Authorised signatory to visit the DP and submit the request personally. Authorised Signatory to sign once again infront of the DP official. Top

Can I operate a joint account on "either or survivor" basis just like a bank acc ount? No. The demat account cannot be operated on "either or survivor" basis like the bank account.It has to be operated by all the account holders. Top

Can I add or delete names of account holders (second or third account holder) af ter opening the account ? No. Addition/Deletion of the names of the account holders for a depository accou nt is not permissible. If you want to change name or add / delete an account hol der, you need to open a new account in the desired pattern. Top

Can I open an account in a single name for shares held in joint combination of n

ames? No. The demat account must be opened in the same combination in which the securi ties are held in the physical form. E.g.; if one share certificate is in the Joi nt name of Mr. A & Mr. B and another certificate is in the sole name of Mr.A, tw o demat accounts will have to be opened , one in the joint name of Mr. A & Mr. B and another in the sole name of Mr. A. However if A & B hold a demat account an d if the certificates are in the names of B & A, the shares can be dematerialize d in the demat account of A & B. * Also refer to "Transposition" for more detail s. Top

Do I have to keep any minimum balance of securities in my account? No. There is no prescribed minimum balance. You can have zero balance in your ac count. However asset holding charges will be levied for zero balance in accounts . Top

Can someone else operate my account on my behalf on the basis of a power of atto rney? Yes. If you authorize any person to operate your account by executing a power of attorney and submit it to the bank, that person can operate the account on your behalf. However if the POA is submitted at the time of account opening, it is m andatory that the holder signs the account opening document. Top

How can a demat account holder/s apply for a new delivery instruction booklet ? The demat account holder/s can apply for a new delivery instruction booklet by s ubmitting a duly completed request letter signed by all the holders. The booklet is despatched to the customer address. Top

What is the procedure to be followed when a customer has lost/misplaced his slip /instruction booklet? The customer has to immediately intimate the bank by submitting a letter mention ing the details of the slip/booklet lost duly signed by all the holders and requ est issuance of a fresh booklet. A "Stop Instruction" would be marked against al l the unused slips to avoid misuse of slips. Top

Can I freeze my account? What is the procedure to be followed for freezing / def reezing a demat account? Yes. The depository system provides the facility to freeze the depository accoun ts for debits or for both debits and credits. In an account "freezed for debits" , no debits will be permitted from the account, till the time it is defreezed. T his is an additional security feature for the benefit of the investors. For an a

ccount which is freezed for all operations, no credits or debits will take place .There is an additional feature in NSDL system which allows freeze of a particul ar ISIN or part quantity of an ISIN in an investor's account.Please note that th e Depository Participant cannot freeze a CDSL account and such requests have to be sent to CDSL.For freezing an NSDL account ,the first holder of the demat a/c has to personally come to the bank and submit the freezing/defreezing request du ly signed by all the account holders. In case of freezing, the freezing date has to be mentioned i.e. the date from which the freezing of the account is sought. (No need to mention freezing end date as the NSDL sy stem does not provide for capturing the freezing "end date"). On receipt of the request, the DP will verif y that the form is duly filled in, verify the signature/s of the client and ther eafter if the request form is in order the DP changes the status of the Client's account from 'ACTIVE' to 'SUSPENDED FOR DEBIT' OR 'SUSPENDED FOR ALL', dependin g on the choice of the client, from the date mentioned by the client on the form .However, for defreezing we need the freezing "end date" i.e. the date from whic h defreezing of the acoount is sought. If the request form is in order, the DP c hanges the status of the client's account to 'ACTIVE' on the date mentioned by t he client on the form. Top

Does the Depository Participant have the right to suspend a demat account? The Depository Participant has the right to suspend a demat account in case it r eceives an order to the effect from the Depository, Income Tax Dept., Court of l aw, any other regulatory body or for non payment of charges to the Depository Pa rticipant. Once the account is suspended no transactions are allowed in the acco unt, but benefits arising due to any Corporate Action are credited to the suspen ded account. The DP will intimate the client of suspension of its account. Top

What is the procedure to be followed if the customer wishes to change his existi ng signature recorded with the DP? The customer has to give a request letter clearly defining his old and new signa ture, proof of identity of the holder wishing to change the signature and a spec imen signature card with the new signature. Top

What is the procedure to be followed if the customer wishes to change his existi ng signature but is unable to remember his old signature? The customer has to give a request letter mentioning the facts, affidavit on Rs. 100/- stamp paper, proof of identity of the holder wishing to change the signatu re and a specimen signature card with the new signature. Top

What is the procedure to be followed if the customer wishes to change his existi ng signature but is unable to sign due to old age/paralytic stroke? The customer has to give a request letter mentioning the facts, affidavit on Rs. 100/- stamp paper with the thumb impression duly attested by Gazetted Officer/ N otary, Proof of identity of the holder wishing to change the signature and a doc

tor's certificate. However, thumb impressions on subsequent instructions/ reques t have to be notorised before submitting the same to the Depository Participant. Top Operations Dematerialisation Why should the investor dematerialise his securities? Can I dematerialise any share certificate? What is an ISIN? Should a separate Dematerialisation Request Form be filled for each ISIN ? Should a separate DRF be filled for locked-in and free securities? Can I have part of my holdings in demat form and part of my holdings in the form of share certificates for the same security? Do my dematerialised securities have distinctive/ certificate numbers? What are Market transactions? How long will the dematerialisation process take? If I have certificates belonging to the same security, in the same order of holders, do I have to open as many accounts as the number of folios? Can I dematerialise all my depository eligible securities through the sa me account? Can I as a sole holder of the share certificates add one more name as a joint holder at the time of dematerialising my share certificates? Can I dematerialise shares, which are pledged with a bank, which is a DP as well? Can odd lot shares be dematerialised? Can debt instruments and Government Securities be dematerialised in the same demat account? Is dematerialisation compulsory? Is transmission cum transposition possible under the physical segment? How do I demat shares with Pre Marital / Maiden names? Will the investor get back the same certificates after rematerialisation ? What should the customer do when he has received a letter (option letter ) from the company asking for his option as to whether he wants physical shares or dematerialised shares after transfer ? What happens when a new demat account has been opened in the name of the surviving member(s) as a result of the death of one of the account holders in t he old account but there are still certain physical shares held jointly in the n ame of the existing account holder(s) as well as the deceased yet to be demateri alised? Can the DRF be rejected? What are the reasons for rejection? What is the action to be taken in case the DRF is rejected due to "Signa ture Mismatch" What is transposition? What is transposition cum demat? What procedure should be followed by the customer for transposition cum dematerialisation request? Can lock in shares be dematerialised? Can partly paid up shares be dematerialised? Can electronic holdings be converted back in certificate form?

Why should the investor dematerialise his securities? SEBI has mandated delivery of stocks only in the dematerialised form, hence inve stors holding physical certificates may not be able to sell them at a short oppo rtunity. Physical holdings need to be maintained by Investors themselves and pro tected from loss, theft, mutilation, fire etc. In case of Demat holdings these w orries of the Investors are taken over by Depository Participant (DP) wherein ho ldings are maintained electronically by the DP in the Investors Demat Account. T

ransfers of Demat Holdings is a simple process and can be done by submission of a single page signed delivery instruction slip to the DP. These transfers can al so be done from the convenience of the Investors home / office through the Inter net. Demat Holdings are automatically received in the Investors Demat Accounts. The Depository System in India has become very popular and most brokers refuse t o deal with physical holdings. Top

Can I dematerialise any share certificate? An investor can dematerialize almost all security certificates as most Companies have all their security types admitted with the Depository for Demat. However o nly those certificates which are already registered in the Investors name can be dematerialized to a Demat Account held in the same name combination. Top

What is an ISIN? ISIN (International Securities Identification Number) is an unique identificatio n number given to the security of an Issuer Company at the time of admitting suc h security in the depository system by SEBI. This is common for both NSDL and CD SL. Top

Should a separate Dematerialisation Request Form be filled for each ISIN? Yes. Top

Should a separate DRF be filled for locked-in and free securities? Yes because the quantity of locked in securities requested for dematerialisation would be tagged with the lockin release date on receipt of relevant credit into the Investors Demat Account while free securities requested for dematerialisati on would be reflected as free balance on receipt of relevant credit and would be transferable and saleable without any such restrictions.

Can I have part of my holdings in demat form and part of my holdings in the form of share certificates for the same security? Yes. You can dematerialise part of your holdings for the same security. Top

Do my dematerialised securities have distinctive/ certificate numbers? No, your dematerialised securities do not have any distinctive/ certificate numb ers. These shares are fungible which means that 100 shares of a security are the same as any other 100 shares of that security. Top

What are Market transactions? Market transaction are transactions which are executed on the floor of the excha nge. In these transactions securities are transferred from a Beneficiary account of an investor to a Clearing member account of a broker for ensuring delivery o f securities to the stock exchange and vice versa. Top

How long will the dematerialisation process take? NSDL has mandated 7 days & 15 days from the date of receipt of the DRF for the D P & the Company / RTA respectively for processing an Investors Demat request. Th e entire dematerialisation process would normally take about 30 days. Top

If I have certificates belonging to the same security, in the same order of hold ers, do I have to open as many accounts as the number of folios? No, you can choose to have all securities held by the same holders deposited in a single Demat account. The combination of DP Id and the Client ID replaces the folio number. Top

Can I dematerialise all my depository eligible securities through the same accou nt? Yes. You can choose to have all your securities deposited in a single account pr ovided the securities have the same holding pattern. Top

Can I as a sole holder of the share certificates add one more name as a joint ho lder at the time of dematerialising my share certificates? No. However, if you want to transfer the ownership from your individual name to a joint name, you can first open an account as the sole holder (account A) and d ematerialise the share certificates. Once done, you can then open another deposi tory account (account B) in which you are the first holder and the other person is the second holder and make an off market transfer of the dematerialized share s from the account A to account B. You will have to incur a nominal charge on th is transaction. Alternatively, the certificates can be transferred to the joint ownership by the Company / RTA and then sent for dematerialisation to account B Top

Can I dematerialise shares, which are pledged with a bank, which is a DP as well ? Yes, you can with the permission of the bank.

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Can odd lot shares be dematerialised? Yes. Odd lot share certificates can also be dematerialised. Top

Can debt instruments and Government Securities be dematerialised in the same dem at account? Yes, debt instruments,bonds, mutual fund units, Government Securities can also b e dematerialised in the same demat account where equities are held. However, for holding commodities, a separate Demat Account must be opened. Top

Is dematerialisation compulsory? No. According to the Depositories Act, 1996, an investor has the option to hold shares either in physical or in dematerialised form. . Top

Is transmission cum transposition possible under the physical segment? Yes. Top

How do I demat shares with Pre Marital / Maiden names? In such cases you need to submit a signed declaration requesting the Company / R TA to dematerialize physical certificates held in your maiden name to your Demat Account held in your married name along with a Notarised / Attested copy of you r marriage certificate along with the DRF, when you give your shares for dematti ng. Top

Will the investor get back the same certificates after rematerialisation? The registrar will print new certificates with a new range of certificate number s. The investor will usually be allotted a new folio number; however, if he alre ady has an existing folio number he may be allotted the same. Top

What should the customer do when he has received a letter (option letter) from t he company asking for his option as to whether he wants physical shares or demat erialised shares after transfer ?

As per a circular received from The Securities and Exchange Board of India (SEBI ) bearing reference SEBI/MRD/Cir-10/2004 dated February 10, 2004 the facility of transfer-cum-demat has been withdrawn. Top

What happens when a new demat account has been opened in the name of the survivi ng member(s) as a result of the death of one of the account holders in the old a ccount but there are still certain physical shares held jointly in the name of t he existing account holder(s) as well as the deceased yet to be dematerialised? In this case, such shares could be dematerialised in the new demat account of th e surviving member(s) provided the surviving member(s) submit a Transmission Cum Dematerialisation form duly signed by all the surviving holders and a Notarised / Attested copy of the Death Certificate along with the DRF. The attestation of the copy of the death certificate should be done by a Gazetted Officer. Top

Can the DRF be rejected? What are the reasons for rejection? Yes, DRFs can be rejected by your DP or the Company / RTA. The reasons for rejec tion may be Signature mismatch, Incorrect holders name, Certificate details mism atch between certificate & DRF, Call Paid receipt not attached, Wrong formats us ed, Old defunct certificates surrendered for demat etc. The rejected DRFs can be collected from the submitting branch or can be sent to the Investors address re gistered for their demat account. Top

What is the action to be taken in case the DRF is rejected due to "Signature Mis match" If the DRF is rejected by the Company / RTA due to "Signature Mismatch", then ei ther the holders need to sign as per their signatures recorded with the Company / RTA as well as with their DP or their signatures would have to be Notarised / Attested by their Bankers. In addition to the above, the Investors may attach on e of the following documents: Attested copy of the passport / driving license / PAN card / election Id card to avoid further rejections. Top

What is transposition? Transposition is the change in order of names in which the certificates are issu ed. Top

What is transposition cum demat? Transposition cum demat facility enables the customer to transpose names of the joint holders in desired order along with the process of dematerialisation of ce rtificates. For e.g. If A & B hold a demat account and if the certificates are i n the names of B & A, the shares can be dematerialised in the demat account of A

& B Top

What procedure should be followed by the customer for transposition cum demateri alisation request? The customer should submit duly completed transposition form along with the dema t request form (DRF) and the share certificates. Top

Can lock in shares be dematerialised? Yes. Top

Can partly paid up shares be dematerialised? Yes, provided there is a separate ISIN allotted to the partly paid security. Top

Can electronic holdings be converted back in certificate form? Yes, it can be done through 'Rematerialisation' which is the term used for conve rting electronic holdings back into physical certificates. The client should sub mit his request in a Remat Request Form (RRF) to his DP. The DP will then forwar d the request to the Depository after verifying that he has the necessary securi ties in his account. Depository in turn will intimate the registrar who will pri nt the certificates and despatch the same to the investor. Top DP@NETebroking Is DP on Net accessible only by the first holder of the demat account? Is there a separate login/Password for DP on Net? How can a new password be regenerated? Is DP on Net a free facility? Is DP on Net accessible to all the customers? What is the basic difference between registering for Ebrok and DP@Net? What is the procedure for Ebrok registration? Where does the customer have to contact in case he wishes to change his password or inquire on other related queries pertaining to Ebrok account? How does the Insta IPIN facility work ?

Is DP on Net accessible only by the first holder of the demat account? Yes. The Customer Id of the first holder in the demat account must be mentioned on the application form. Top

Is there a separate login/Password for DP on Net? No, there is no separate login/Password for DP on Net. The customer has to use h is Net Banking login/Password to access the demat account. Top

How can a new password be regenerated? A new password can be regenerated by using any of the below channels: 1. By calling the nearest PhoneBanking Numbers or 2. By walking into the nearest HDFC Bank ATM or 3. By sending a SMS request "IPIN" to 5676712 or 4. By walking into the nearest HDFC Bank branch and filling in the application f orm. Your NetBanking IPIN will be couriered to your recorded mailing address availabl e with the Bank. Also the customer has option to generate the instra IPIN facili ty on line using the HDFC Bank Net Banking option . Top

How does the Insta IPIN facility work ? Insta IPIN is the facility of online resetting of NetBanking password (IPIN). Fo llowing are the steps that need to be followed for online resetting your NetBank ing IPIN : 1. Click on the link 'Insta IPIN' 2. Input your Customer ID number and confirm 3. Post inputting the Customer ID details; you will be shown a list of HDFC Bank Debit cards that are linked to the Customer ID 4. You will be asked to select any one of the linked cards 5 . Post card selection you will be asked to input your ATM PIN & Expiry Date. Y ou will then be asked to reset your NetBanking password (IPIN) and confirm the s ame. 6. Post successful resetting of IPIN, you will be asked re-login into NetBanking using the new password. Top

Is DP on Net a free facility? Yes. Top

Is DP on Net accessible to all the customers? It is accessible to only those customers having a Banking relationship with HDFC Bank. The customer Id of the first holder of demat account should be registered for NetBanking to enable him to opt for DP on Net facility. Top

What is the basic difference between registering for Ebrok and DP@Net? If a customer is registered for DP@Net then he is able to view / down load his d

emat account balance (with previous day market value,) transaction statement by logging in HDFC Bank site. The customer will not be able to execute any transact ions on the net. However, if the customer is registered for Ebrok then he is abl e to execute his transactions by logging on the ebroker's site.The main advantag e of e broking is that the customer need not submit a physical slip to the Depos itory Participant. All his transactions are executed over the net. Top

What is the procedure for Ebrok registration? The customer has to submit the required forms with an approved Ebrok intermediar y . Top

Where does the customer have to contact in case he wishes to change his password or inquire on other related queries pertaining to Ebrok account? The customer has to contact the Ebrok intermediary for any queries pertaining to Ebrok account. Top General What is Dematerialisation (demat)? What is Rematerialisation (remat)? Who is an Issuer (Company/ Registrar & Transfer agent)? What is an ISIN? Will different securities issued by the same Issuer wil l have same ISIN? Can there be a mix up of securities of different companies held in one d emat account? What are Market transactions? What are Off market transactions? What is meant by Pledge of securities? How many Depositories are there in India? Who regulates them? Can all DP's access all investor account details?

What is Dematerialisation (demat)? It is the process of converting securities held in physical form (certificates) to an equivalent number of securities in electronic form and crediting the same to the investor's demat account. Dematerialised securities do not have any certi ficate numbers or distinctive numbers and are dealt only in quantity i.e. the se curities are fungible. Top

What is Rematerialisation (remat)? It is the process of conversion of securities from electronic form to physical f orm. Top

Who is an Issuer (Company/ Registrar & Transfer agent)? An Issuer would be a Company who issues securities in the physical or electronic form. Some Issuers outsource their work related to issuance of securities, dema terialisation and record keeping to Registrar and Transfer Agents (RTA). Top

What is an ISIN? Will different securities issued by the same Issuer will have s ame ISIN? ISIN (International Securities Identification Number) is a unique number given t o every security, which is admitted into depository system for dematerialisation . The Securities and Exchange Board of India issues these numbers. Different sec urities issued by the same issuer will have different ISINs i.e. Equity will hav e one ISIN and Debt of the same company will have a different ISIN. Also differe nt debt instruments will have different ISINs. Top

Can there be a mix up of securities of different companies held in one demat acc ount? Different securities, even if of the same issuer, are given a separate ISIN to i dentify each one of them and each ISIN is maintained and accounted for separatel y, within an account. Therefore there is no question of any mix up at DP's end. Top

What are Market transactions? Market transaction are transactions which are executed on the floor of the excha nge. In these transactions securities are transferred from a Beneficiary account of an investor to a Clearing member account of a broker for ensuring delivery o f securities to the stock exchange and vice versa. Top

What When that nge, Top

are Off market transactions? securities are transferred from the beneficiary account of one investor to of another, and the transaction does not get routed through the stock excha it is an off-market transaction.

What is meant by Pledge of securities? Beneficiary Account holders who do not want to sell their shares but wish to ava il of advances against dematerialised shares can take loans by marking pledge/li en against those shares. There are two parties involved under pledge, Pledgor (b orrower) and Pledgee (lender). Certain set procedures need to be followed in cas e of a pledge transaction. Top

How many Depositories are there in India? Who regulates them? There are two depositories in India - National Securities Depository Limited (NS DL) and Central Depository Services (India) Limited (CDSL) . SEBI is the regulat ing authority and it governs the functioning of both the Depositories. The National Securities Depository Limited (NSDL) is an organization establi shed to provide electronic depository facility for securities traded in the Equi ty and the Debt market. NSDL has been registered by Securities Exchange Board of India (SEBI) on June 7, 1996 as India's first depository to facilitate settleme nt of securities in dematerialized form. NSDL had commenced its operations on No vember 6, 1996. Central Depositories Services (India) Ltd. (CDSL) was the second depository to be granted the commencement certificate by SEBI on 08.02.1999. CDSL was inaug urated on 15.07.1999. Top

Can all DP's access all investor account details? No. A DP cannot access the investor accounts of any other DP. Top Nomination What is the procedure for nomination? How many nominees can be appointed? Can the nominee be changed? Who cannot nominate? Can a minor be nominated? Can an NRI be appointed as nominee?

What is the procedure for nomination? The nomination form duly filled-in should be submitted either at the time of acc ount opening or later. The account holder, nominee and two witnesses must sign t his form and the name, address and photograph of the nominee must be submitted. Top

How many nominees can be appointed? Only one person can be nominated irrespective of the fact whether the demat acco unt is held singly/jointly. Top

Can the nominee be changed? Yes, the account holder can change the nomination anytime by simply filling up t he nomination form once again and submitting it to the Depository Participant. T he account holder, nominee and two witnesses must sign this form and the name, a ddress and photograph of the nominee must be submitted. In case of joint holders , all joint holders must sign. Top

Who cannot nominate? Non-individuals including societies, trusts, body corporates, partnership firms, Kartas of Hindu Undivided Family, minor, holders of power of attorney cannot av ail of nomination. Top

Can a minor be nominated? A demat account holder can nominate a minor, represented by one guardian. Howeve r the guardian should not be a holder of the same demat account . Top

Can an NRI be appointed as nominee? Both resident Indians as well as NRI's can nominate an NRI, subject to exchange control regulations in force from time to time. Similarly, an NRI can nominate a resident Indian or another NRI. Top Trading Corporate Benefits What happens when there is a corporate action announced? How will I confirm that bonus/rights entitlement is credited into my acc ount? How will I receive dividend/interest, if any, on the securities I am hol ding? If I have holdings in dematerialised form, will the bonus/ rights issue against this be in the same form? If I have holdings in physical form, can the bonus/ rights issue against this be in the dematerialised form?

What happens when there is a corporate action announced? Depositories will give the list of beneficial owners as on record date to the re gistrars/issuers so that the corporate benefits can be distributed. Top

How will I confirm that bonus/rights entitlement is credited into my account? An allotment advice will be sent by the issuer/ their Registrar & Transfer (R & T) agent for bonus/ rights entitlement. The transaction statement sent by the DP , will show the bonus/ rights credit into the account. The quantity shown in the advice and the transaction statement should match. Top

How will I receive dividend/interest, if any, on the securities I am holding? Depositories give the issuer/ R & T agent of the security for which dividend has

been announced, a list of beneficial owners as of the record/ book closure date . Based on this list provided by the Depositories, the issuer/ R & T agent will forward a dividend warrant or directly credit your bank account (specified by yo u in the Demat Account Opening Form) depending on the mode of disbursement chose n by the company. Top

If I have holdings in dematerialised form, will the bonus/ rights issue against this be in the same form? The bonus/rights issue against holding in dematerialised form can be either in t he physical/dematerialised form as per the choice of the investor. If no choice is given, then by default the securities will be issued in the form they are cur rently held. Thus if you hold some shares in physical form and some others in de mat, you will receive the bonus/rights shares in both the forms in proportion to the holdings in each form. Top

If I have holdings in physical form, can the bonus/ rights issue against this be in the dematerialised form? Yes, if you choose to receive this non-cash corporate action in dematerialised f orm, they will be credited to your depository account. Please note that this fac ility will be available only in case of those companies linked up with Depositor y. Top Trading Depository Statements When will I receive the Transaction Statements? I am an investor and I rarely do transactions in my depository account. Do I receive any statement? When will the transaction statement reflect my purchase/sale of shares? To which address are Depository statements sent? Are there any provisions in the internet, where I can view my transactio n/holdings?

When will I receive the Transaction Statements? Billing cum Transaction Statements will be sent to all depository accounts holde rs who have transacted in the relevant month. Top

I am an investor and I rarely do transactions in my depository account. Do I rec eive any statement? Quarterly Holding statements are sent to all Depository accounts holders who hav e not done any transaction in the relevant quarter. Top

When will the transaction statement reflect my purchase/sale of shares?

The Billing Cum Transactions statement will reflect the actual Debit or Credit o f the holdings in the Demat account and has no bearing to the Contract Date of t he Sale/Purchase. Top

To which address are Depository statements sent? The Depository statements are sent to the correspondence address furnished at th e time of opening the account. Top

Are there any provisions in the internet, where I can view my transaction/holdin gs? Depository Account holders who have registered for the dp-on-the-net facility ca n view their current holdings along with the market value. Transactions can be v iewed for only last one year. However the date range should not exceed 10 days. You can also download latest Holding statement as well as Transaction statement for the last 03 months. To avail of the DP-on-the-net facility you should be reg istered for the Netbanking facility. Top Trading Pledging Can I pledge dematerialised securities? What should I do if I want to pledge electronic securities? How can I close the pledge after repayment of my loan? Who will receive corporate action benefits on the pledged securities? Can locked-in securities be pledged? Can I dematerialise shares which are pledged with a bank? How is a pledge invoked? Are all securities pledgeable?

Can I pledge dematerialised securities? Yes. In fact, pledging dematerialised securities is easier and more advantageous as compared to pledging physical securities. Top

What should I do if I want to pledge electronic securities? The procedure is as follows: ? Both, the person wishing to pledge his securities (pledgor) as well as the lender (pledgee) must have depository accounts in the same depository. ? Pledgor must initiate the pledge by submitting to us the details of the se curities to be pledged in the standard format. ? The pledgee should confirm the request through his DP. ? Once this is done the securities are pledged and the securities will be ly ing in the pledgor s account. Please note that all financial transactions between the pledgor and the pledgee are handled outside the depository system. Top

How can I close the pledge after repayment of my loan? After you have repaid your loan, you can request for a closure of pledge by issu ing written instructions in the prescribed standard format. The pledgee on recei ving the repayment will instruct his DP to confirm the closure of the pledge or instruct his DP to close the pledge unilaterally without awaiting for any instru ction from the pledgor. Top

Who will receive corporate action benefits on the pledged securities? Even after the securities are pledged, the pledgor continues to remain the benef iciary holder of those securities and will receive benefits of a corporate actio n, if any. Top

Can locked-in securities be pledged? Yes. Locked-in securities can be pledged. Top

Can I dematerialise shares which are pledged with a bank? Yes, you can dematerialise securities that are pledged with a bank.Prior permiss ion of the pledgee bank with which the securities have been pledged is required. The pledgee must be ready to dematerialise the securities in its custody. Top

How is a pledge invoked? In case of default by the pledgor, the pledgee can unilaterally invoke the pledg e by issuing instructions to his (pledgee's) DP in the prescribed standard forma t. On execution of this instruction, the securities are transferred from the ple dgor s demat account into the pledgee's demat account. This does not require any c onfirmation from the pledgor. Top

Are all securities pledgeable? All securities other than Government Securities can be pledged. Top Trading Public Offer Is it possible for me to get securities allotted to me in public offerin gs directly in dematerialised form? What is the advantage of getting allotment in demat form? If I am allotted securities in dematerialised form, but the details rega rding my beneficiary account are incomplete/ wrong, will I get physical delivery

of allotted securities? If I am allotted securities in dematerialised form, when will I get the electronic credit in my account? How will I come to know that my application for public issue in electron ic form has been accepted?

Is it possible for me to get securities allotted to me in public offerings direc tly in dematerialised form? Yes. In fact, in the public issue application form of depository eligible compan ies, there will be a provision for you to indicate the manner in which you want the securities allotted to you. All you have to do is to mention your demat acco unt details i.e. DPId , DP Name, Client Id and the names of the account holders and any allotment due to you will be credited into your account. Top

What is the advantage of getting allotment in demat form? SEBI has announced that the shares of all companies going in for Public offer wi ll have to be compulsorily settled in demat form by all investors. It is therefo re advantageous for an investor to prefer the allotment in demat form, so that t he shares have higher liquidity. Top

If I am allotted securities in dematerialised form, but the details regarding my beneficiary account are incomplete/ wrong, will I get physical delivery of allo tted securities? Yes, securities would in such a case be dispatched in the physical form. Top

If I am allotted securities in dematerialised form, when will I get the electron ic credit in my account? If securities are allotted in the dematerialised form, these would be credited t o your account any day between allotment date and listing date, at the discretio n of the company. Top

How will I come to know that my application for public issue in electronic form has been accepted? The issuer company/ their R & T agent will forward you the allotment advise givi ng the number of shares allotted in dematerialised form. Top Trading Settlement What is 'execution date' given in the delivery instruction form? What happens if the execution day given in the instruction is a NSDL bus iness holiday? What benefit do I get by giving delivery instruction form with a future

execution date? What is the current rolling settlement cycle ? How do clients who have sold through the clearing member deliver securit ies? How does the broker deliver securities to the Clearing Corporation (CC) in case of a delivery obligation? How does the broker receive securities from the Clearing Corporation ? How does the broker deliver securities to clients who have bought the sa me? What happens when the broker finds that his client has not delivered the depository shares he has sold? Can I buy and sell shares through Depository services of HDFC Bank ? Can I deliver dematerialised securities against obligation in physical s egment in all stock exchanges? Is the facility of delivering dematerialised securities in the physical segments of the stock exchanges, available only for those securities that are to be compulsorily sold in the demat segment of stock exchanges by institutions? What is the procedure for receipt of securities in demat form in case of purchase of securities? What is an 'Inter Depository' transaction? Is it possible to transfer Debt Market Security?

What is 'execution date' given in the delivery instruction form? Execution date is the date on which securities will be actually debited from the client's demat account. Execution date can be same day or any future date. The system will debit the client's demat account only on the execution date mentione d on the delivery instruction slip. Please note that Off Market instruction with same day execution and On Market instructions received after 4.00 p.m for next day Pay-in will be accepted and processed at customer s risk and responsibility. Top

What happens if the execution day given in the instruction is a NSDL business ho liday? In case the execution day is a NSDL business holiday, the next working day is ta ken to be the execution day. Top

What benefit do I get by giving delivery instruction form with a future executio n date? By giving a future dated instruction you cover the risk against non-execution of instruction due to lack of time or last minute rush. Top

What is the current rolling settlement cycle ? With effect from 1st April,2003 SEBI has mandated a T+2 settlement cycle i.e a t rade executed on the floor of the exchange on Day T will have to be settled on D ay T+2 Top

How do clients who have sold through the clearing member deliver securities? The clearing member shall have to provide particulars such as clearing account n umber (CM BP Id), Market type and the settlement number to the client. The clien t will authorize his Participant to transfer securities from his account to the clearing member's pool account. The clearing member shall give an authorization to the Participant to accept credit into his account. Top

How does the broker deliver securities to the Clearing Corporation (CC) in case of a delivery obligation? The broker will be receiving delivery obligations from the Clearing Corporation. He has to instruct his Participant by submitting a instruction slip in the pres cribed standard format and deliver the securities to the Clearing Corporation be fore the pay-in for the settlement. Top

How does the broker receive securities from the Clearing Corporation ? The Clearing Corporation will inform Depositories of the receipt entitlement of the broker who in turn will credit his clearing member pool account to that exte nt on payout. Top

How does the broker deliver securities to clients who have bought the same? After the broker receives credit in his clearing member pool account, he will be able to transfer securities to client's accounts for purchase made through him. He has to instruct his DP to debit his clearing member pool account to that ext ent stating his client's demat account number and the DP-Id of the client's part icipant. Top

What happens when the broker finds that his client has not delivered the deposit ory shares he has sold? If the client does not deliver the shares he has sold, the broker could either d eliver the securities himself, honour the commitment to the market and settle th e matter subsequently with the client or purchase the securities from the auctio n and settle the trade. Top

Can I buy and sell shares through Depository services of HDFC Bank ? No. Shares can be bought and sold only through a stockbroker. A DP helps in deli vering the shares against a sell transaction or receiving the shares for a buy o

r purchase transaction. Top

Can I deliver dematerialised securities against obligation in physical segment i n all stock exchanges? Yes. SEBI has permitted dematerialised securities to be delivered against obliga tions in the physical segment at the stock exchanges connected to the depository . Top

Is the facility of delivering dematerialised securities in the physical segments of the stock exchanges, available only for those securities that are to be comp ulsorily sold in the demat segment of stock exchanges by institutions? No. Dematerialised securities of all the companies that are eligible for demater ialisation can be delivered against obligations in the physical segment. This al so applies to delivery against auction of securities in the physical segment Top

What is the procedure for receipt of securities in demat form in case of purchas e of securities? Purchaser of securities can give a one time standing instruction to his DP for r eceiving securities in his account. This standing instruction can be given at th e time of opening of account or later. Alternatively an investor may choose to i ssue separate receipt instruction every time he makes any purchase of securities . Top

What is an 'Inter Depository' transaction? Any transaction between two clients not having demat accounts with the same depo sitory is termed as an 'Inter Depository' transaction. Top

Is it possible to transfer Debt Market Security? Yes, the Debt Market Security can be transferred as a normal transaction. Top PLEASE NOTE THAT ALL FINANCIAL TRANSACTIONS BETWEEN A TRANSFEROR AND TRANSFEREE OF SECURITIES ARE HANDLED OUTSIDE THE DEPOSITORY SYSTEM. Charges What would be the charges for account closure and securities transfer due to acc ount closing? The charges would be as per the schedule of charges, agreed by you at the time o f account opening or any subsequent changes therein.

Top Transmission What is Transmission? Transmission of securities arises as a result of the death of the sole/any one j oint demat account holders. Consequently the securities lying in the demat accou nt of the deceased are transferred to the demat account of the surviving holders in the same order. If the demat account of the surviving holders does not exist in the same order then a new demat account will need to be opened. The main adv antage in transmission of dematerialised holdings is that the transmission forma lities for all securities held with a DP can be completed in one go, unlike in t he case of physical certificates, where the claimant will have to interact with each issuing company or its R & T agent. Top What is the procedure for transmission to surviving holder(s) / nominee in case of the death of the account holder? In case of the death of the joint holder, the surviving holder/s should hold a d emat account in the same name and order. For e.g. in a demat account held by A,B and C if B dies then the account should be held/opened in the name of A and C only for transmission to happen.The surviv ing holders must submit the following : duly filled-in transmission form Original death certificate OR a notarised copy of death certificate. Attested copy of the client master list of the account of the surviving hold ers in case the account is held with another DP. In case of death of the sole holder , two possibilities arise With Nominee- The requirements apart from those detailed above are: Nominee should have a demat account in sole name Duly filled transmission form. Death certificate in original or a notarised copy of the same Affidavit (in the prescribed format) on Rs 100/- stamp paper Indemnity (in the prescribed format) on Rs 300/- stamp paper Identity documents of Nominee.These could be - copy of the PAN card,Voter's Identity card,Driving license,passport After verifying these documents, DP will transmit the securities to the account of the nominee. Without Nominee - There are two scenarios: Value of Securities in the demat acco unt of the deceased is less than Rs.1 lakh.The documents required are: Nominee should have a demat account in sole name Duly filled transmission form Death certificate in original or a notarised copy of the same Affidavit (in the prescribed format) on stamp paper of Rs.100/Indemnity (in the prescribed format) on stamp paper of Rs.300/Identity documents of the nominee.These could be - copy of the PAN card,Vote r's Identity card,Driving license,passport Value of securities in the demat account of the deceased is more than Rs.1 lakh. The documents required are: Duly filled transmission form Death certificate in original or a notarised copy of the same. Succession certificate or letter of Administration or Probated copy of the w ill

For Investors queries and redressal of complaints, please write to dphelp@hdfcba nk.com Top Disclaimer: Whatever have been stated above are in the good interest of the Investor / Demat Applicants / holders to provide a brief picture about the depository system. Yo u are requested go through the guidelines of the depositories before taking any further action. For detailed guidelines, you are requested to approach your near est HDFC Bank branch. HDFC Bank will not be responsible for any misunderstanding / act based on the above. Also HDFC Bank might ask for additional information / documentation than what has been stated above to process your application / ins truction. Apply Now Just fill the Online Application Form and our representative will get in tou ch with you shortly. Other Ways to apply : Call Us Visit our branch *Conditions Apply

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