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If you have any queries that are not answered here, please call us or
write to us.
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How is HDFC Bank's Flexi account different from regular Current Accounts ?
The Flexi account includes the following privileges :
- Flexibility of higher cash deposit (home location) & anywhere transactions
(payments, collections & funds transfers) limits during peak seasons,
since these are based on the average monthly balance (AMB) maintained
in the account
- Calculation of free transaction limits based on balances maintained
in the transaction month, leading to a high level of customization in
tune with current business requirements. If my season starts in November,
I get transaction limits based on the Balance maintained by me in November
and not in October or September.
- Low minimum balance requirement of Rs. 75,000/ per month.
- Competitive pricing on and faster Collection of Outstation Cheques.
- Free up to 40 Pay-Orders per month.
- Free up to 40 Demand-Drafts per month.
- Free RTGS and NEFT Transactions.
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What is the minimum balance that I need to maintain in a Flexi Current Account ?
The minimum balance to be maintained in a Flexi Current Account is Rs.75,000/-
(Average Monthly Balance). In case of inability to maintain the above minimum
balance, the account holder would be levied a charge of Rs.1000/- for the
month in which the AMB has not been maintained
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How much cash can I deposit in my home location branches in a month without charges ?
The free limit for Cash Deposit at a home location branch would depend on
the AMB maintained during the transaction month. This free limit is calculated
as 12 times the actual AMB maintained during the transaction month or 50 transactions
per month, which ever is earlier. In case of more than 50 transactions or
cash deposit of more than 12 times AMB at a home location branch, charges
@ Rs. 3 per Rs.1,000/- would be applicable, subject to a minimum of Rs.50/-
(excluding taxes).
An illustrative example of the Cash Deposit at Home Location Calculation is
as under
| If
I maintain |
I
get Monthly Free |
If
I utilize |
I
am Charged |
| Average Monthly Balance (AMB) in
Rs. |
Home Location Cash Deposit in Rs.
(Subject to maximum of 50 transactions) |
Actual Home Location Cash Deposit
in Rs. |
Rs. (excluding 12.36% Service Tax
& Education Cess) |
| 50,000 |
6,00,000 |
7,50,000 |
1,450 (450 + 1000**) |
| 75,000 |
9,00,000 |
11,00,000 |
600 |
| 1,00,000 |
12,00,000 |
11,50,000 |
Nil |
| 2,21,103* |
26,54,000* |
25,00,000 |
Nil |
| 3,00,000 |
36,00,000 |
37,00,000 |
300 |
| 5,00,000 |
60,00,000 |
45,00,000 |
Nil |
| 10,00,000 |
1,20,00,000 |
60,00,000 |
Nil |
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*The Home Location Cash Deposit Free limit is rounded off to the nearest thousand
** AMB non-maintenance charges
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What is the monthly free limit for anywhere
transactions ?
The free limit for Intercity (except Dahej) Clearing (Payments & Collections)
& Funds Transfer transactions would depend on the AMB maintained during
the transaction month. This free limit is calculated as 50 times the actual
AMB maintained during the transaction month. In case of anywhere transactions
in excess of 50 times AMB, charges @ Rs. 0.50 per Rs.1,000/- would be applicable,
subject to a minimum of Rs.25/- (excluding taxes).
| If
I maintain |
I
get Monthly Free |
If
I utilize |
I
am Charged |
| Average Monthly Balance (AMB) in
Rs. |
Anywhere Clearing & Funds Transfer
Limit in Rs. |
Actual Anywhere Clearing &
Funds Transfer in Rs. |
Rs. (excluding 12.36% Service Tax
& Education Cess) |
| 50,000 |
6,00,000 |
15,00,000 |
1450 (450 + 1000**) |
| 75,000 |
37,50,000 |
40,00,000 |
125 |
| 1,00,000 |
50,00,000 |
45,00,000 |
Nil |
| 2,21,103* |
1,11,00,000* |
75,00,000 |
Nil |
| 3,00,000 |
1,50,00,000 |
90,00,000 |
Nil |
| 5,00,000 |
2,50,00,000 |
1,20,00,000 |
Nil |
| 10,00,000 |
5,00,00,000 |
1,50,00,000 |
Nil |
*The Anywhere Clearing Free limit is rounded off to the
nearest thousand
** AMB non-maintenance charges
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Can I access my account from all branches of
HDFC Bank ?
Yes. All our branches and systems are interconnected by state-of-the-art technology and allow access at all times.
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Is it necessary to open an account in each
of the locations in which my company has an office ?
No. With the Flexi Account, you enjoy the advantage of a single account with multi-location banking.
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What transactions are included as a part of
Free Anywhere Transactions limit for a month ?
Following transactions together combine to comprise part of Free Anywhere
Transaction Limit:
- Cheque deposited into the account in other cities (in local clearing
/ within Bank)
- Inter-city Payable-at-Par cheque Issuance.
- Inter-city Account to Account Funds Transfer (Cheque Payments &
Collections) within HDFC Bank Accounts.
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What is the initial deposit amount required
to open the Flexi Account ?
A Flexi Current Account can be opened with an Initial Deposit Amount of as
low as Rs.75,000/-
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Can I make payments to my suppliers at your
branch locations through a single cheque book ?
Yes. When you open an account, you will be issued an At Par cheque book, which is payable at all our branches.
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Can I access my account by telephone to conduct
routine daily transactions ?
If you live in Mumbai, Delhi, Chennai or Kolkata, you can use PhoneBanking
to perform the following operations:
- Access your account details.
- Request account statements.
- Make queries related to Fixed Deposits.
- Inquire about interest and FX rates.
- Request a cash or courier delivery or pick-up.
- Order a new cheque book.
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| Apply Now |
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Just fill the Online Application Form and our representative will get in touch with you shortly.
Other Ways to apply :
*Conditions Apply
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