HDFC-HDFC Bank Merger: The merger creates a financial services giant, making it one of the world's largest banking entities.

Impact on Customers: The merger will have significant implications for loan conditions, EMIs, net banking, fixed deposits, and other customer aspects.

Loan Conditions: Existing loan conditions for customers are not expected to change immediately as HDFC and HDFC Bank manage their loans independently.

EMIs and Interest Rates: Customers' EMIs and interest rates will remain unchanged initially, with any future changes communicated by the respective entities.

Net Banking and Account Access: Customers can continue accessing their loan accounts through the portals of HDFC and HDFC Bank, with no impact on login credentials or net banking services.