HDFC is one of leading private banks of India incoorporated in 1994 . With a customer base of around 5.6 crore . It is a leader in cards and payment business. Balance sheet of HDFC shows NPA of 1.36% one of the lowest in banking industry .In 2020 , when banks are fighting with Covid-19 situation . HDFC is the one of financial institutes which seems to sail through the pandemic because of its startegies and technology driven services . To guard its position it is continuously launching new products which satisfy the customer needs such as Millennia Cards , Smart Hub Merchant app etc. The present MD of HDFC bank Aditiya Puri is soon to retire , let see what lies ahead for customers and stakeholders of HDFC.