Monday, September 16, 2013

Help others to help yourself.

If you help someone then you don't have to feel great about it, neither you should expect thank you thank you  or that generosity from that person every time you meet him/her nor you should expect help in return from him/her. If you are helping some one then you are not helping him/her, actually, you are helping yourself. Help others to help yourself.

I am a believer of above lines which are given to me as a gyaan by one of my uncle. If you do good things then good things will come to you, its kind of law of attraction, it depends on you what you want to attract to yourself. 
Well, not going in to deep of this philosophy I personally believe that we should help others in whatever way we can, some times people feels that others are taking advantage of your help or may be your friends or dear ones may say to you that other people asks for your help because they don't want to do things by themselves. Well, this is true sometimes, I think it depends on every individual i.e. how to identify/sense that who is taking advantage or who is actually taking help, but you are not gonna loose anything to offer your help.

As I said, I am a believer of this philosophy and this belief turns into reality this year. I can never forget those series of event that took place in the month of Jan 13. As I have to move to Sweden in the month of Feb 13 I was specifically looking for a Swedish currency (SEK) travel card and I had two options, either to take it from HDFC bank or from Axis bank. Having a good experience with HDFC bank I decided to take this card from them and that was the time when my trust with HDFC bank broke and built again. What happened that day is mentioned in my below email which I sent later on to the manager of that HDFC bank employee as a token of appreciation.


Dear Sir,

With due respect I would like to grab a chance to share my recent experience with HDFC bank executive's in concern to the Foreign exchange department.

This whole experience is from date 10-Jan-2013, I had to travel to Sweden and I was looking a Visa based SEK Travel card which HDFC bank provides. I did a lot of research on SEK travel card and compared travel card provided by other banks with HDFC but I found HDFC SEK Travel card more cheaper so I made my  mind to go with HDFC.

Although, I am not a HDFC bank user but as my father is I have always seen him more then satisfied with the extensive good quality of services provided by HDFC bank to him. Moreover, my father is an extremely satisfied customer so the same trust passed on to me which made me to choose HDFC bank with blind faith.

As I am talking about my trust, this was broken on 10-Jan-2013 but later saved by Mr. Vipul Awasthi.  

I went to the HDFC bank's Indirapuram (Ghaziabad) branch and the customer service executive told me that this branch does not deal in Forex so I should go to the HDFC bank's Vaishali branch. I went to HDFC's Vaishali (GZB) branch, there the lady in the Foreign exchange department told me that I should go to the HDFC's Noida Sector 18 branch to have the SEK card. I asked the lady executive that why should I go to sec-18 branch as this product (SEK travel card) is on the shelf product and as says that I can purchase this card from any branch by just walkin to it then she told me that HDFC's Vaishali branch is not the Forex branch and sector 18 branch is specialized Forex branch for this purpose.

To my aggression that lady executive asked to me to leave my number so that I can be contacted by an HDFC executive for this matter. I was contacted by Mr. Vineet and I was astonished and disappointed  when he told me that any kind of Travel card can not be issued to a customer who is not having any account with HDFC bank. When I asked Mr. Vineet to cross check this information he talked to me rudely and said that whatever information he is giving to me is correct and the HDFC bank website is not updated. When I told him that whatever he is telling me is not true then he gave me the number of Mr. Vipul Awasthi and asked me to contact him.

As I was in urgent need of HDFC SEK card I contacted Mr. Vipul with the hope that he may help and trust me Sir, Mr. Vipul came to help me as a savior that day. He told me that I have been misguided and any HDFC branch should arrange the card from other branch if they are out of stock of any Travel card. He asked me to wait at HDFC Vaishali branch and promised me to call back with in half an hour. 

Since, I don't have time to wait I went to the HDFC's Noida sector 18 branch and there also the lady executive told me that SEK card is not available with the branch and she don't know which other branch might have it, in fact she told me that HDFC bank do not provide any SEK card, the bank has never launched such card, she provided me the contact details of some Money exchanger from where HDFC's Noida sector 18 branch get its currency conversion.

I again contacted Mr. Vipul and explained him the whole scenario, he asked me to wait for 5 minutes and he talked to Mr. Ajay Tiwari at Noida sector 18 branch to help me out. There after, the SEK card was issued to me in the same branch whose executive was denying the existence of such card in the market.

I was even more impressed with the customer service of Mr. Vipul Awasthi when he himself took out little time from his busy schedule to keep following up the status. He contacted me to confirm whether the card has been issued to me or not, by that time it was not issued and he again followed up the whole issue and scolded some other executive keeping me in the conference call.

I must say employees like Mr. Vipul Awasthi can never let faith of bank's customer down and sets example for other employees for delivering highest customer satisfaction.

If Mr. Vipul has not come in to the picture that day then I surely have loosed my trust and faith with HDFC bank and have purchased the SEK travel card from AXIS Bank.

I am sorry to write such a long mail but the intention was to let you know how customers are misguided by the bank executives and how helpless they can feel in the era of competitive banking. Such small things and misguiding results in lose of customer which is not good for a premier bank like HDFC.

I hope some sort action can be taken against those executives.


Well, this whole experience left me with few questions:-

1. Who was Mr. Vipul Awasthi?
2. Why did he helped me as a unknown person?
3. What he is benefiting from all this?

I only had answer of question 2, may be because I have helped some one known/unknown some time and I got the return that day. 

All I could have given to Mr. Vipul is my sincere thanks and the above appreciation mail to his manager. I don't know if there was any action taken against those executives who were misguiding me but my purpose was solved by a unknown man.


  1. Thats the whole point,do your deeds without hoping for sweet fruits.It will come back to you in many ways.good post Ankit.....

    Hey i reside in Vasundhara GZD & know about all these HDFC branches around.

    1. Thanks Anu for reading this long post and I am glad to see that you liked it.

      Vasundhara, Vaishali and Indirapuram. The three sisters living together in one home (GZB) :)

    2. You forgot kaushambhi...oops!!

  2. I would rather not try answering these questions. Because of my own silly reasons.
    1. Doing that would berate the good things done by Mr. Vipul. He did something good, and I am no one to judge.
    2. Doing that would imply that there are no more good people in this world.

    1. I think there are still good people in the world, it is just matter of fact when they come across you.