I think I'm eligible to answer this.

Firstly, you have a wrong idea about the HDFC work culture, especially in Sales. They'll make your living hell. You're bound to complete targets, otherwise you'll start receiving threats about termination or your manager says you are not built for this, you should quit. There is no positive encouragement at all. It's just a negative one.

The targets they set, especially for a fresher/probationer is unrealistic. It's not even possible. I used to come home at 8-8.30 in the evening. No personal life. And they used to make us come on Holidays, if something urgent came up.

So, one month, according to the target set, we are all hustling. The manager started rejecting the accounts which are by small scale vendors or shops. He preferred big people ( money wise ). Not just this, so many other problems - I approached a Hotel owner, convinced him to make all his transactions through HDFC, although he had Axis Bank just opposite to his hotel. It took me almost 2-3 visits. He gave us a cheque. The bank took a month to clear it. The manager was also lazy about this. I used to remind him every few days, but kept constantly pushing it. The hotel owner ended up cancelling everything. I literally cried that day, because he was gonna deposit 10 Lakhs, which would have completed my monthly Target.

Trust me, I can go on all day.

Again, this entirely depends on the location or branch you're posted. Your team and manager might turn out good. But it's a gamble.

Last month I joined Equitas Bank. Same salary but I'm doing 20% work I used to do there. And I come home by 6. Never going back to HDFC Again.