Firstly, thank you all for taking up this discussion. I have experienced
all these accessibility issues with HDFC mobile banking, HDFC loan app. I
am a preferred customer and as suggested have already taken the first step
with RM.
I really appreciate the suggestions, and will move on to next steps as
mentioned above.
A year ago when I got a call from their technical team, they simply made a
statement "you are the only one complaining, we have not heard this kind of
issue from anyone else". this was disgusting, maybe they heard but ignored.
and even if not heard, is not each individual customer important?
Actually, even the old mobile banking app is not fully compliant. yes it is
better but if you noticed the footer form controls, while transferring
money and likewise, for example 'continue', 'cancel', 'confirm' were never
focusable using screen reader. I had to switch off talkback and take
sighted assistance.

Also I asked for a locker with my home branch, and they are not declining
but have kept things on hold saying that they are enquiring upon the
specific process of giving me a locker. They have this concern that while
accessing the locker, if any precious stuff is lost or picked up by the
trusted person I take along for assistance, the bank will be responsible.
Thus, they are trying to protect themselves and finding out ways.

Something similar happened 2years ago, when I wanted to take term life
insurance from them. they never declined on face, but never co-operated as
well.

Now with this email thread, I find my voice even stronger.
I request if anyone can help me with the exact section in the RPWD act
which I can highlight while writing emails to concerned folks.

Regards,
Megha

On Thu, Feb 5, 2026 at 8:38 AM Rahul Bhatia <[email protected]>
wrote:

> Old app is not available, there was fource update.
>
> On Thu, 5 Feb, 2026, 6:03 am nitinbhai patel, <[email protected]>
> wrote:
>
>> Dear Amar Bhai,
>>
>> I understand the registration issues you mentioned. I will attempt to
>> register with someone's assistance to see if it works.
>>
>> Additionally, I will send an email to the address provided in this thread
>> as discussed. Thank you for your continued help.
>>
>> Best regards,
>> Nitinbhai Patel
>>
>>
>>
>> On Thu, 5 Feb, 2026, 5:32 am Amar Jain, <[email protected]> wrote:
>>
>>> I understand, what you’re saying Nitin bhai, but currently migration to
>>> old app with one time re-registration is the only solution that we have.
>>> They are working on Accessibility fixes of which few are also live with
>>> latest update which came yesterday, but noticeable fixes are yet to come.
>>> Sent from my iPhone
>>>
>>> On 4 Feb 2026, at 9:14 PM, nitinbhai patel <[email protected]>
>>> wrote:
>>>
>>> 
>>> ,
>>>
>>> While the new app is labeled as "early access," this cannot be
>>> considered a permanent solution, especially since the stable old version
>>> has already been discontinued.
>>>
>>> I uninstalled the old application a month ago because it was no longer
>>> functional. If I attempt to reinstall it now, the system will likely
>>> require a full registration, which others have noted is currently failing
>>> or redirecting to the inaccessible new version. HDFC should not have
>>> discontinued a working application before ensuring the replacement was
>>> fully accessible and stable.
>>>
>>> Best regards,
>>> Nitinbhai Patel
>>>
>>>
>>>
>>> On Wed, 4 Feb, 2026, 8:40 pm Amar Jain, <[email protected]> wrote:
>>>
>>>> You will not be able to use the old app, unless you are migrated from
>>>> the new app to the old app. If you are migrated, then after one
>>>> registration, you will not need to register again till you use the Old app.
>>>> Let me also remind the list that HDFC mobile banking app is still provided
>>>> as an early access app is not launched for the public. Yet we all are
>>>> getting to use the new app because we have been migrated if you look at the
>>>> title of the app on the App Store or play store, it says early access
>>>> within brackets. Thank you.
>>>> Sent from my iPhone
>>>>
>>>> On 4 Feb 2026, at 8:26 PM, nitinbhai patel <[email protected]>
>>>> wrote:
>>>>
>>>> 
>>>> Hello everyone,
>>>>
>>>> I wanted to add to the excellent points being raised, especially
>>>> concerning the lack of a proper solution.
>>>>
>>>> The suggestion to simply "use the old app" is fundamentally flawed and
>>>> an unacceptable workaround for a bank of HDFC's stature. As some have
>>>> already noted, the old app often fails and redirects to the new,
>>>> inaccessible one. Furthermore, if a customer has uninstalled the old
>>>> version, finding it and re-configuring it from the Play Store is often a
>>>> near-impossible task. We are all entitled to the same, fully functional
>>>> digital banking experience—there should be no distinction between a "new"
>>>> app for some customers and an outdated one for others.
>>>>
>>>> It is difficult to believe that the MD and Secretary of India's largest
>>>> private-sector bank would lack the authority to immediately address an
>>>> issue of legal non-compliance with the RPwD Act. The current, prolonged
>>>> inaccessibility is a serious breach of their obligations.
>>>>
>>>> The core of this issue is our right to equal access and compliance with
>>>> the law. We must continue to push for a permanent fix, which is the only
>>>> truly acceptable resolution.
>>>>
>>>> Thanks and regards,
>>>> Nitinbhai
>>>>
>>>>
>>>>
>>>> On Wed, 4 Feb, 2026, 6:51 pm Amar Jain, <[email protected]> wrote:
>>>>
>>>>> Fully agree with what Asif Bhaiya is saying, we should send them
>>>>> emails left right centre so that they are taken seriously
>>>>> Sent from my iPhone
>>>>>
>>>>> On 4 Feb 2026, at 11:52 AM, 'Mohammed Asif Asif Iqbal (IN)' via
>>>>> AccessIndia <[email protected]> wrote:
>>>>>
>>>>> 
>>>>> Ketan bhai,
>>>>> Sadly they explained me the same thing and they claim that our own
>>>>> Amar Jain is working with them to fix this issue.  I would suggest email
>>>>> needs to be bombarded to HDFC bank MD to ensure attention to customer like
>>>>> us.
>>>>> Thanks and regards
>>>>> Asif
>>>>>
>>>>>
>>>>> Linkedin: bit.ly/asifmaiqbal-li
>>>>>
>>>>>
>>>>>
>>>>>
>>>>> ------------------------------
>>>>> *From:* [email protected] <[email protected]>
>>>>> on behalf of Ketan Kothari <[email protected]>
>>>>> *Sent:* Wednesday, February 4, 2026 11:37 AM
>>>>> *To:* [email protected] <[email protected]>
>>>>> *Subject:* Re: [AI] Accessibility Issues in HDFC Mobile App &
>>>>> NetBanking - Request for Fixes in Line with RPwD Act, 2016
>>>>>
>>>>> Hello,
>>>>>
>>>>> I received a call from their development team and they are requesting
>>>>> me to use the old app till such time as they rectify these errors.  I hope
>>>>> they will do this quickly.
>>>>>
>>>>> On Wed, 4 Feb 2026 at 08:08, KONGALETI SATYANARAYANA <
>>>>> [email protected]> wrote:
>>>>>
>>>>> Dear Mahesh and all,
>>>>>
>>>>> I completely agree with the points raised. It is concerning that
>>>>> accessibility barriers remain prevalent across various banking
>>>>> applications, including HDFC.
>>>>>
>>>>> While organizations like Mission Accessibility are doing important
>>>>> work, I believe it is time for a broader range of voices to be heard. 
>>>>> Based
>>>>> on my observations, this accessibility project in HDFC has been "in
>>>>> progress" for over two years now. While work may be happening in the
>>>>> background, it is unacceptable for standard applications to remain
>>>>> inaccessible for such an extended period.
>>>>>
>>>>> Relying solely on emails often feels ineffective, as they are
>>>>> frequently overlooked. Given the lack of tangible progress, we should
>>>>> consider serving a formal legal notice. This may be the only way to ensure
>>>>> these institutions take their obligations under the RPwD Act seriously and
>>>>> respect our right to independent and secure digital banking.
>>>>>
>>>>> Thanks and regards,
>>>>>
>>>>> Kongaleti Satyanarayana Reddy
>>>>>
>>>>> thanks and regards,
>>>>> Kongaleti Satyanarayana Reddy
>>>>>
>>>>>
>>>>> On Tue, Feb 3, 2026 at 10:04 PM Mahesh S. Panicker <
>>>>> [email protected]> wrote:
>>>>>
>>>>> HDFC really need to do some work on accessibility. Their home loan app
>>>>> on Android is totally disfunctional with TalkBack.
>>>>> Firstly they have issue with proper, reputed 3rd party keyboards like
>>>>> Microsoft Swiftkey Keyboard. Then if you bypass that, TalkBack is unable 
>>>>> to
>>>>> provide any further feedback. Can't explore by touch, can't naviggate by
>>>>> swipe. Absolutely silent. 100 percent inaccessible.
>>>>>
>>>>> On Tue, Feb 3, 2026 at 7:40 PM megha patangi <[email protected]>
>>>>> wrote:
>>>>>
>>>>> I completely agree and echo the concerns listed below.
>>>>> I am an android user and equally blocked by the new HDFC mobile
>>>>> banking app. Also went and notified the bank manager of my home branch but
>>>>> haven't heard anything yet.
>>>>> This app and site inaccessibility is completely disabling my access
>>>>> and when I am dependent on others for assistance, it is killing my
>>>>> financial privacy and security.
>>>>>
>>>>>
>>>>>
>>>>> On Fri, Jan 30, 2026 at 2:41 PM Mujtaba Merchant <[email protected]>
>>>>> wrote:
>>>>>
>>>>> Dear HDFC Digital Banking Team,
>>>>>
>>>>>
>>>>>
>>>>> I am writing to highlight several accessibility challenges experienced
>>>>> while using both the HDFC Bank Mobile Banking App (iOS) and the HDFC
>>>>> NetBanking website. As a customer who relies on assistive technologies 
>>>>> such
>>>>> as screen readers, these issues significantly impact my ability to use 
>>>>> your
>>>>> digital services independently and securely.
>>>>>
>>>>>
>>>>>
>>>>> 1. Mobile App: Two Factor Authentication (2FA) Approval Screen
>>>>>
>>>>> During the NetBanking login process, when prompted to authorize sign
>>>>> in from the mobile app, the approval screen displays a “Swipe right to
>>>>> accept” instruction.
>>>>>
>>>>> However, this element is not exposed as an accessible control for
>>>>> screen readers and cannot be activated using assistive technology.
>>>>>
>>>>> Only the Decline option works as an actual actionable button.
>>>>>
>>>>> This creates a barrier for customers with disabilities, preventing us
>>>>> from completing a critical security step without sighted assistance.
>>>>>
>>>>>
>>>>>
>>>>> 2. NetBanking Website: OTP Page Produces Continuous Clicking Sound
>>>>>
>>>>> When the system directs the user to the OTP entry page, a repeated
>>>>> clicking sound is played due to a progress indicator.
>>>>>
>>>>> For screen reader users, this sound is extremely disorienting and
>>>>> interferes with the ability to focus on entering the OTP safely.
>>>>>
>>>>>
>>>>>
>>>>> 3. Unlabelled and Mislabeled Buttons (Mobile App & Website)
>>>>>
>>>>> Across both platforms, several buttons are:
>>>>>
>>>>> • Unlabelled
>>>>>
>>>>> • Incorrectly labelled
>>>>>
>>>>> • Announced inaccurately by screen readers
>>>>>
>>>>>
>>>>>
>>>>> This makes navigation unpredictable, error prone, and in some cases,
>>>>> impossible without external assistance.
>>>>>
>>>>>
>>>>>
>>>>> 4. Need for Compliance with the RPwD Act, 2016
>>>>>
>>>>> As per The Rights of Persons with Disabilities (RPwD) Act, 2016,
>>>>> enforced on April 19, 2017, all service providers—including banks—are
>>>>> required to ensure that their digital platforms are accessible to persons
>>>>> with disabilities.
>>>>>
>>>>> Accessibility is not only a legal requirement but also essential for
>>>>> inclusive and dignified digital banking.
>>>>>
>>>>>
>>>>>
>>>>> I kindly request your team to review and address these issues at the
>>>>> earliest by ensuring:
>>>>>
>>>>> • All UI controls are properly labelled and accessible
>>>>>
>>>>> • Approval screens use standard, screen reader compatible action
>>>>> buttons
>>>>>
>>>>> • Auditory distractions (such as unnecessary clicking sounds) are
>>>>> removed or made optional
>>>>>
>>>>> • Compliance with WCAG 2.1 AA and RPwD guidelines is validated before
>>>>> updates are released
>>>>>
>>>>>
>>>>>
>>>>> Improving accessibility will enhance the banking experience for
>>>>> thousands of customers who rely on assistive technology.
>>>>>
>>>>> Thank you for your attention to this important matter. I look forward
>>>>> to seeing improvements that make HDFC’s digital services truly inclusive.
>>>>> --
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>>>>> .
>>>>>
>>>>>
>>>>>
>>>>> --
>>>>> Dr. Mahesh S. Panicker
>>>>> Associate Professor,
>>>>> Department of Political Science,
>>>>> Lady Shri Ram College for Women,
>>>>> Lajpat Nagar
>>>>> New Delhi 110024
>>>>>
>>>>>
>>>>>
>>>>>
>>>>> --
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>>>>> .
>>>>>
>>>>>
>>>>>
>>>>> --
>>>>> Ketan Kothari
>>>>> Phone: [r] 02228283281,
>>>>> Cell: +919987550614
>>>>> +917021054612
>>>>> Facebook:  facebook.com/muktaketan
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>>>>>
>>>>>
>>>>>
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>>>>> .
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>>>> <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/5E8235D2-0C36-43AB-8FB3-1B606A7FC698%40amarjain.com?utm_medium=email&utm_source=footer>
>>>> .
>>>>
>>> --
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>>> <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAOgfktkiK6EqFkoDEMSwfb0O4WSR%3Dz-b11Ms8dGfU6Ov3dmx%3DA%40mail.gmail.com?utm_medium=email&utm_source=footer>
>>> .
>>>
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>>> Disclaimer:
>>> 1. Contents of the mails, factual, or otherwise, reflect the thinking of
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>>> 2. AI cannot be held liable for any commission/omission based on the
>>> mails sent through this mailing list..
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>>> <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/A1C5CBE7-D7B6-422E-9D93-0E12B66C4513%40amarjain.com?utm_medium=email&utm_source=footer>
>>> .
>>>
>> --
>> Disclaimer:
>> 1. Contents of the mails, factual, or otherwise, reflect the thinking of
>> the person sending the mail and AI in no way relates itself to its veracity;
>>
>> 2. AI cannot be held liable for any commission/omission based on the
>> mails sent through this mailing list..
>>
>>
>> Search for old postings at:
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>> <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAOgfktmD%3Dhbjsa2_VJuyarwanzhrQf6hx6ab6Nj9FdgiO4wO6Q%40mail.gmail.com?utm_medium=email&utm_source=footer>
>> .
>>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of
> the person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>
>
> Search for old postings at:
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> You received this message because you are subscribed to the Google Groups
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> .
>

-- 
Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..


Search for old postings at:
http://www.mail-archive.com/[email protected]/
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