HDFC Bank

HDFC Bank Ltd. is one of India’s leading private sector banks, offering a wide range of financial services including retail banking, corporate banking, loans, credit cards, and digital payments. The bank provides an open banking developer portal that publishes APIs for account information, transaction history, fund transfers, and other services to enable fintech integration. The portal is hosted at https://developer.hdfc.bank.in/ and requires registration for full access.

HDFC Bank is listed with 1 API on the APIs.io network. Tagged areas include Banking, Finance, India, Payments, and OpenBanking.

HDFC Bank’s developer surface includes authentication, documentation, API reference, support, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

21.1/100 emerging Agent 5/100 agent aware Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API

Banking Finance India PaymentsOpenBanking

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 21.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 7.3 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 2.4 / 15

Agent readiness — 5/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 34.2 — up to +13.2 composite points
Operational Transparency scores 5.3 — up to +12.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/hdfc-bank/apis.yml: open an issue on github.com/api-evangelist/hdfc-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

HDFC Bank API

HDFC Bank’s APIs enable open banking integration for partners, providing account information, transaction history, and fund transfers.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Hdfc Bank Authentication

2 schemes

SECURITY

Hdfc Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: hdfc-bank
name: HDFC Bank
description: HDFC Bank Ltd. is one of India’s leading private sector banks, offering a wide range of financial services including
  retail banking, corporate banking, loans, credit cards, and digital payments. The bank provides an open banking developer
  portal that publishes APIs for account information, transaction history, fund transfers, and other services to enable fintech
  integration. The portal is hosted at https://developer.hdfc.bank.in/ and requires registration for full access.
url: https://artifacts.apis.io/hdfc-bank/apis.yml
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-28 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-28'
modified: '2026-10-28'
tags:
- Banking
- Finance
- India
- Payments
- OpenBanking
image: https://www.hdfc.bank.in/content/dam/hdfcbankpws/home-page/hdfc-bank-logo.svg
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Authentication
  url: authentication/hdfc-bank-authentication.yml
- type: LLMsTxt
  url: llms/hdfc-bank-llms.txt
- type: Hosts
  url: hosts/hdfc-bank-hosts.yml
- type: Vendors
  url: vendors/hdfc-bank-vendors.yml
- type: TermsOfService
  url: https://www.hdfc.bank.in/terms-and-conditions
- type: Login
  url: https://merchantmandate.hdfc.bank.in/login
- type: DomainSecurity
  url: security/hdfc-bank-domain-security.yml
- type: Website
  url: https://hdfc.bank.in/
- type: DeveloperPortal
  url: https://developer.hdfc.bank.in/
- type: Documentation
  url: https://developer.hdfc.bank.in/
- type: APIReference
  url: https://developer.hdfc.bank.in/api-catalog
- type: Support
  url: https://developer.hdfc.bank.in/contact
- type: GitHubOrganization
  url: https://github.com/HDFC-Bank
- type: PrivacyPolicy
  url: https://www.hdfc.bank.in/privacy-policy
apis:
- name: HDFC Bank API
  description: HDFC Bank’s APIs enable open banking integration for partners, providing account information, transaction history,
    and fund transfers.
  humanURL: https://developer.hdfc.bank.in/api-catalog
  baseURL: null
  aid: hdfc-bank:hdfc-bank-api
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: The developer portal provides human‑readable API documentation but no OpenAPI, AsyncAPI, GraphQL, or other machine‑readable
    specification.
  evidence:
  - url: https://developer.hdfc.bank.in/api-catalog
    status: 200
  checked: '2026-10-28'
x-submission-probe: 200, 2026-10-26
x-enrichment:
  date: '2026-10-28'
  status: enriched
  artifacts_added: 12
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

HDFC Bank API — frequently asked questions

Does HDFC Bank have an API?

Yes. APIs.io lists 1 API from HDFC Bank, including HDFC Bank API.

How do I authenticate with the HDFC Bank API?

HDFC Bank uses bearer-token authentication (2 schemes). The details are profiled on APIs.io as Hdfc Bank Authentication.

Is the HDFC Bank API ready for AI agents?

HDFC Bank has a Kin Score of 21.1 out of 100 (emerging) and an Agent Readiness score of 5.4 (agent-aware), scored by API Evangelist on 2026-10-31.

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