Current Accounts
- Premium Current Account
- Regular Current Account
- Plus Current Account
- Trade Current Account
- RFC - Domestic Account
- Flexi Current Account
- Apex Current Account
- Max Current Account
- Merchant Advantage Current Account
- Merchant Advantage Plus Current Account
- Current Account for Professionals
- Current Account for Hospitals and Nursing Homes
- Agri Current Account
- EZEE Current Account
- Supreme Current Account
- ULTIMA Current Account
- Institutional Current Account
Other Accounts & Deposits
Free local & intercity cheque collections & payments for unlimited value across towns and cities in India, where HDFC Bank Branches are present
- Personal
- Products
- Accounts & Deposits
- Current Accounts
- Apex Current Account
Features
- Maximum transactional benefits with faster mobilisation of funds
- Average Quarterly Balance – Rs. 10,00,000
- 1000 free payable-at-parThis means you only have to pay the amount written on the cheque and not the service charges that might otherwise be charged to you, especially when you send a cheque to someone out of your city or country. cheque leaves per month
Benefits
- Faster collection of outstation cheques through Speed Clearing
- Huge cost saving in inter-city Clearing & Funds transfer transactions
- Doorstep Banking*
* Conditions Apply
Contact Us
Ahmedabad
Expand All
What are the features and benefits of an Apex Current account?
Features
- Maximum transactional benefits with faster mobilisation of funds
- Maintain an Average Quarterly Balance of Rs. 10,00,000.
- Access to more than 2000 branches.
- Faster collection of outstation cheques through Speed Clearing. Speed clearing is absolutely free with your Apex Current Account.
- Free Inter-city cheque collections and payments within HDFC Bank Network for unlimited value (excluding Dahej).
- Free account to account funds transfers between HDFC Bank accounts.
- Free payment and collection through RTGSIt stands for Real Time Gross Settlement. It means that funds transfers happen immediately, in real time. Instructions are processed at the time they are received rather than later. 'Gross Settlement' means the settlement of funds transfers occur on an instruction by instruction basis. This is considering that the funds settlement take place in the books of the Reserve Bank of India, the payments are final and irrevocable..
- Free payment and collection using NEFTThis stands for National Electronic Funds Transfer (NEFT). It is a system that facilitates an individual or company to electronically transfer funds from any bank branch to any individual or company having an account with any other bank branch in the country..
- Free Demand Drafts & Pay Orders that can be issued from any HDFC Bank branch.
- Convenience to withdraw and deposit cash at all our branches*.
- Free cash deposits up to Rs. 120 lakhs per month across all home branches (subject to a maximum of 60 transactions per month and a per day limit of Rs. 3 lakh on cash deposits at non-home branches). Cash deposits at HDFC Bank branches in other cities are also free up to Rs. 30 lakhs per month*.
- 1000 free payable-at-parThis means you only have to pay the amount written on the cheque and not the service charges that might otherwise be charged to you, especially when you send a cheque to someone out of your city or country. cheque leaves per month.
- Register for InstaAlert and receive updates on your account whenever transactions take place.
- Doorstep Banking* for your convenience and security. We will pick-up and deliver cash and cheques through a reputed agency.
- Enjoy facilities like 24-hour PhoneBanking, NetBanking and InstaQuery so you can check your balance and transaction details, find out the status of your cheques or stop cheque payments.
*Conditions Apply
How am I eligible for an Apex Current Account?
To be eligible for an Apex Current account you have to be a:
- Resident Individual
- Hindu Undivided Family
- Sole Proprietorship
- Partnership
- Limited Company
- Trust
- Association/Club/Society
- Limited Liability Partnership
You need to maintain an Average Quarterly Balance of Rs.10,00,000.
If you don’t maintain the required AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter., you will have to bear the following charges. Rs.5,000 if your AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. is less than Rs. 10,00,000 but greater than or equal to Rs. 5,00,000 OR Rs.10,000 if your AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. is less than Rs. 5,00,000
All fees & charges mentioned in the Tariffs, Charges or Fees brochures will attract a Service Tax of 12% & an Education Cess of 3% of the service tax amount. These will appear as separate debits in your the statement.
*Conditions Apply
What are the fees and charges applicable?
Fees and Charges for Apex Current Account effective 1st July, 2012
| Description of Charges | Apex Current Account | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Current Accounts with Cheque facility | |||||||||
| Minimum Balance (Average Quarterly Balance) | Rs. 10,00,000/- per quarter | ||||||||
| Non-Maintenance Charges per quarter | Charge of Rs.5,000/- per quarter if AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. is less than Rs.10,00,000 but greater than or equal to Rs. 5,00,000/-; Rs.10,000/- per quarter if AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. is less than Rs. 5,00,000/- | ||||||||
| Mode of calculation of minimum average quarterly balance | Average of daily closing balances of each day spread over a period of three months | ||||||||
| Cheque Book Charges (Issued By Bank) | Payable at par cheques. Free 1000 cheque leaves per month. Charges Rs 2/- per leaf beyond 1000 leaves | ||||||||
| Other Current Account Facilities | |||||||||
| Account Statement | Free (Monthly)+ | ||||||||
| Duplicate/Adhoc Statement | |||||||||
| Requests through Direct Banking Channels | Rs.50/- per statement through ATM / Mobile Banking / NetBanking and Phone Banking (IVR) | ||||||||
| At branch or PhoneBanking (Non-IVR) | Rs.100/- per statement through Branch; Rs.75/- per statement through PhoneBanking (Non-IVR) | ||||||||
| Hold Statement Facility | Rs.400/- per year | ||||||||
| Remittance facility through own Bank | |||||||||
| Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD |
Free | ||||||||
| Pay Orders (PO) - on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO |
Free | ||||||||
| Issuance of DD / PO Through PhoneBanking |
Free without limit Only DD amount upto Rs. 5,00,000 for Current Apex Account holders accepted at PhoneBanking. |
||||||||
| DD/PO-Cancellation/Revalidation | Rs.50/- per instrument | ||||||||
| NEFT/EFT Transactions : | |||||||||
| Payments | Free | ||||||||
| Collections | Free | ||||||||
| RTGS Transactions : | |||||||||
| Payments | Free | ||||||||
| Collections | Free | ||||||||
| Local Transactions (At home branch location) | |||||||||
| Local cheques collections & payments | Free | ||||||||
| Account to Account Fund Transfer within HDFC Bank | Free | ||||||||
| Anywhere Transactions (except Dahej) | |||||||||
| Account-to-Account Fund Transfer within HDFC Bank | Free | ||||||||
| Payment at HDFC Bank Locations | Free | ||||||||
| Collections at HDFC Bank Locations | Free | ||||||||
| Bulk Transaction Charges | All the above transactions are subject to a maximum of 1000 free transactions per month, beyond which charges at the rate of Rs.8 per transaction would be levied. Includes all Local and Anywhere clearing and fund transfer transactions | ||||||||
| Remittance facility through other Bank | |||||||||
| Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup) | Free upto Rs.15 lacs per month beyond which charges @ Rs.1.50 per Rs.1000/- Minimum Rs.50/- per DD | ||||||||
| DD-Cancellation / Revalidation | Rs.50/- per instrument | ||||||||
| Cheque Collection | |||||||||
| Outstation Cheque Collection at Bank Locations |
|
||||||||
| Outstation Cheque Collection at Correspondent Bank Location |
|
||||||||
| Outstation Cheque Collection at Clean Location |
|
||||||||
| Outstation Cheque Collection through Speed Clearing | Free | ||||||||
| Bouncing of cheques- Local | |||||||||
| Cheques Drawn on us | |||||||||
| Due to Insufficient Funds | Upto 2 instruments per month- Rs.300 per instrument. On 3rd / 4th & 5th instrument - Rs.500 per instrument 6th Instrument onwards- Rs.750 per instrument |
||||||||
| Due to Technical Reasons | No Charge | ||||||||
| Cheques Deposited Returned Unpaid | Charge of Rs 50/- per instance would be levied, where AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. is not maintained in previous quarter - Rs. 100 per instrument | ||||||||
| Doorstep Banking ** | |||||||||
| Cash Pickup Charges (within municipal city limits) | |||||||||
| Cash Pickup upto Rs 1 Lac | Rs 150/- per pickup | ||||||||
| Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac | Rs 200/- per pickup | ||||||||
| Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac | Rs 300/- per pickup | ||||||||
| Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager | |||||||||
| Cash Transactions | |||||||||
| Cash Deposit | |||||||||
| Cash Deposit-Home Branch Loation | Higher of Rs.120 Lacs per month or 10 times the previous month AMB or 60 transactions, whichever is breached first; (Subject to a maximum monthly limit of Rs.500Lacs); beyond free limit, charges at Rs. 3 per Rs. 1000; minimum of Rs.50/-. per transaction | ||||||||
| Operational limit for Cash Deposit -Non Home branches | Max Cash Deposit limit at non-home branches is subject to a limit of Rs.3 Lac per day | ||||||||
| Cash Deposit - Non Home Loation | Free upto Rs.30 Lacs per month or 25 transactions, whichever is breached first; beyond free limit charges at 3.5 per 1000; minimum of Rs.50/- per transaction | ||||||||
| Cash Withdrawal | |||||||||
| Cash Withdrawal-Home Branch | Free . | ||||||||
| Cash Withdrawal-Non Home Branch-Intercity & Intracity | Free cash withdrawals upto Rs.50,00,000/- per month, beyond which charges @ Rs.2 per 1000, min Rs.50/-per transaction on incremental amount; Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. | ||||||||
| Miscellaneous | |||||||||
| Balance enquiry | Rs.25/- | ||||||||
| TDS Certificate | Free | ||||||||
| Balance Confirmation Certificate | Rs.50/- | ||||||||
| Interest Certificate | Rs. 50/- | ||||||||
| Cheque Status per instance | Rs. 25/- | ||||||||
| Photo attestation | Rs 100/- per instance | ||||||||
| Address Confirmation | Rs 100/- per instance | ||||||||
| Signature attestation | Rs 100/- per instance | ||||||||
| ECS (Debit) Return Charges | - Rs 350/- would be levied on first instance of ECSStands for Electronic Clearing Service. It is a mode by which funds are automatically debited to your account every month to pay or a certain bill or fee. It helps so you don’t have to remember every month to pay your regular bills. It is only done after a standing instruction is given by the account holder. return in a quarter. - Rs 750/- would be levied, second instance onwards in the same quarter. |
||||||||
| Setting up of Standing Instructions | Rs. 150/- | ||||||||
| Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address) | Rs 50/- per instance | ||||||||
| TIN/IPIN Regeneration (requests received at the branch for physical dispatch) | Rs 50/- per instance | ||||||||
| SI rejects | Rs 200/- per instance | ||||||||
| Old Records / Copy of Paid Cheque | |||||||||
| Upto 1 Year | Rs.50 per record | ||||||||
| Above 1 Year | Rs.100 per record | ||||||||
| Common Charges for Debit / ATM Cards | |||||||||
| Replacement of damaged card | Free | ||||||||
| Replacement of Lost card | Rs.100 | ||||||||
| Copy Retrieval Request | Rs.100 | ||||||||
| Re-Issuance of PIN | Rs.50 (plus taxes) | ||||||||
| Transaction Charge--HDFC Bank ATM's | Balance Inquiry - Free | ||||||||
| Cash Withdrawal - Free | |||||||||
| Transaction Charge--Non HDFC Bank ATM's *** | |||||||||
| Domestic | Balance Inquiry - Free | ||||||||
| Cash Withdrawal - 5 transactions free per month.Beyond which charges @ Rs 20/- per transaction. | |||||||||
| International | Balance Inquiry - Rs.15 per transaction | ||||||||
| Cash Withdrawal - Rs.110 per transaction | |||||||||
| Transaction Decline Charge (at Non HDFC Bank ATM's) | Rs. 25 per transaction | ||||||||
| Stop Payment Charges | |||||||||
| Particular cheque | Rs.50/- (Free through PhoneBanking) | ||||||||
| Range of cheques | Rs.100/- (Free through PhoneBanking) | ||||||||
| Account Closure: | |||||||||
| Up to 14 days | No Charge | ||||||||
| 15 days to 6 months | Rs 2,000/- | ||||||||
| 6 months upto 12 months | Rs 1,000/- | ||||||||
| Beyond 12 months | No Charge | ||||||||
| Activation of Dormant / inoperative account | No Charge | ||||||||
| InstaAlert / Mobile Banking | |||||||||
| Insta Alert | Nil | ||||||||
| Transactions through PhoneBanking: | |||||||||
| Interactive Voice Response (IVR) |
Free | ||||||||
| Non-IVR Agent-assisted – for accounts maintaining AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. | Free | ||||||||
| Non-IVR Agent-assisted – for accounts not maintaining AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. as of previous quarter |
Rs 50/- per call | ||||||||
| Debit Cards (only for Individuals & Sole Proprietorship) | |||||||||
| Debit Card | Easy Shop | ATM Card | |||
|---|---|---|---|---|---|
| Business# | Regular | Gold | Women | ||
| Annual Fee per Card | Free | Free | Rs.500 p.a | Rs.100 p.a. | Free |
| Daily ATM Limit | Rs.50,000 | Rs.25,000 | Rs.50,000 | Rs.25,000 | Rs. 10,000 |
| Daily Merchant Establishment Point of Sale Limit | Rs.75,000 | Rs.40,000 | Rs.75,000 | Rs.40,000 | NA |
| # Also available for partnership firms & limited company current accounts which have operating instructions as "Singly" | |||||
Click here to view charges applicable before 1st July,2012
Click here to view charges applicable before 1st January,2012
Click here to view charges applicable before 1st September,2010
W.e.f April 1, 2012, all fees and charges mentioned in the Tariffs, Charges or Fees Brochures will attract Service Tax @ 12% and Education Cess @ 3% of the service tax amount. The same will appear as separate debits in the statements.
+For accounts maintaining AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. less than Rs.10,00,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement
**Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.
***Charges applicable w.e.f 15th Oct '09. Inclusive of service tax and educational cess.
Have questions?
Is it necessary to open Apex Current Account in each location where my company has an office?
No. With a Apex Current Account, you enjoy the advantage of a single account with multi-location banking.
Can I access my account by telephone to conduct routine daily transactions?
Yes you can. You can use PhoneBanking to perform the following operations:
- Access your account details
- Request account statements
- Make Fixed Deposit related queries
- Inquire about interest and FX rates
- Request a cash delivery or pick-up
- Order a new cheque book
How is an Apex Current account different from a regular Current Account?
An Apex Current account includes the following privileges:
- Higher free limit of Rs. 120 Lakhs per month for cash deposits at your home branch
- Unlimited free clearing transactions anywhere for payments and collections
- Free and faster collection of outstation cheques at HDFC Bank locations
- Free Demand Drafts and Pay Orders
- Free RTGSIt stands for Real Time Gross Settlement. It means that funds transfers happen immediately, in real time. Instructions are processed at the time they are received rather than later. 'Gross Settlement' means the settlement of funds transfers occur on an instruction by instruction basis. This is considering that the funds settlement take place in the books of the Reserve Bank of India, the payments are final and irrevocable. and NEFTThis stands for National Electronic Funds Transfer (NEFT). It is a system that facilitates an individual or company to electronically transfer funds from any bank branch to any individual or company having an account with any other bank branch in the country. transactions
- Free BillPay and InstaAlerts
- Free Business Debit Card
These features make an Apex Current account different from a regular Current account.
What is the minimum balance required for an Apex Current account?
You need to maintain an Average Quarterly Balance (AQB) of Rs. 10,00,000 in your Apex Current account.
Can an individual open a Current Account?
Yes. Documentation will be that of an individual, i.e. identity proof and address proof.
Click here for documentation required for opening individual a Current Account.
Expand All
What can you do online?
- Download/Request for an account statement through NetBanking
- Transfer funds online up to Rs. 10 lakhs per day
- Pay taxes online without visiting a branch
- Order cheque book online without visiting a branch
Did you know?
- You can make free local and inter-city cheque payments of any value to your suppliers at over 2,000 HDFC Bank
- FOREX services are available
- Multiple RemittanceRemittance is any form of money transfer or payment done from one's working country to home country. Depending on the difference in currency rates and the amount to be transferred, the charges on remittance are also different. options such as Free Demand Drafts / Pay Orders / RTGSIt stands for Real Time Gross Settlement. It means that funds transfers happen immediately, in real time. Instructions are processed at the time they are received rather than later. 'Gross Settlement' means the settlement of funds transfers occur on an instruction by instruction basis. This is considering that the funds settlement take place in the books of the Reserve Bank of India, the payments are final and irrevocable. / NEFTThis stands for National Electronic Funds Transfer (NEFT). It is a system that facilitates an individual or company to electronically transfer funds from any bank branch to any individual or company having an account with any other bank branch in the country.
Contact Us
Ahmedabad
Expand All
Get started with your Apex Current Account
Have you got your Welcome Kit? Inside your welcome kit you should find a:
- Welcome Letter – This is to welcome you as an HDFC Bank Apex Current account customer so you can enjoy all the privileges and services we offer.
- Schedule of fees and charges – This is to show you the various charges applicable to transactions and facilities on your Apex Current Account.
- Terms and Conditions booklet – This is to make you aware of all the terms and conditions relevant to your Apex Current Account.
- Cheque book – You get a free 25 leaf cheque book in your welcome kit. You can apply for additional cheques books. Please check the fees and charges.
- Debit Card – This is to enable you to make payments, withdraw cash and perform various other transactions quickly and easily.
Did you know?
- You can make free local and inter-city cheque payments of any value to your suppliers at over 2,000 HDFC Bank Locations.
- You get up to 1000 at par cheque leaves free per month.
- Free cheque pick-ups can be arranged from your office. (once a day*).
- You can avail of free cash deposits of values up to Rs. 120 lakhs per month across all branches in your home city and Rs. 30 lakhs per month at branches outside your home city.
- RTGS & NEFTThis stands for National Electronic Funds Transfer (NEFT). It is a system that facilitates an individual or company to electronically transfer funds from any bank branch to any individual or company having an account with any other bank branch in the country. payments and collections of unlimited value are free.
- You can transfer your funds of any value from one account to another, within HDFC Bank.
- Free Demand Drafts and Pay Orders of any value (drawn on HDFC Bank locations) and free Demand Drafts at correspondent banks up to Rs. 15 lakhs per month can be drawn by you.
- You can get the help of our trade finance professionals to route your export and import transactions at very competitive rates.
You can also benefit from
- Faster inter-city cheque collections and daily real-time information with Cash Management Services (CMS). With CMS you get customized MIS on your cheque collections which help you track your cheque collections efficiently. Click here
- Bulk payments to vendors and salary payments to employees hassle-free with ENET, our superior online banking platform. With ENET, you will get the benefits of bulk cheque / Demand Draft Printing, Salary upload, Tax payments, etc. through a single upload file. You can have multiple layers of authorization to ensure complete control. Click here
- A Zero Balance Salary Accounts for your employees.
- Our Forex services including FOREX Travellers’ Cheques, FOREX Cash and a FOREX Plus Card when you travel. Click here
Fees and Charges
Fees and Charges for Apex Current Account effective 1st July, 2012
| Description of Charges | Apex Current Account | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Current Accounts with Cheque facility | |||||||||
| Minimum Balance (Average Quarterly Balance) | Rs. 10,00,000/- per quarter | ||||||||
| Non-Maintenance Charges per quarter | Charge of Rs.5,000/- per quarter if AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. is less than Rs.10,00,000 but greater than or equal to Rs. 5,00,000/-; Rs.10,000/- per quarter if AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. is less than Rs. 5,00,000/- | ||||||||
| Mode of calculation of minimum average quarterly balance | Average of daily closing balances of each day spread over a period of three months | ||||||||
| Cheque Book Charges (Issued By Bank) | Payable at par cheques. Free 1000 cheque leaves per month. Charges Rs 2/- per leaf beyond 1000 leaves | ||||||||
| Other Current Account Facilities | |||||||||
| Account Statement | Free (Monthly)+ | ||||||||
| Duplicate/Adhoc Statement | |||||||||
| Requests through Direct Banking Channels | Rs.50/- per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR) | ||||||||
| At branch or PhoneBanking (Non-IVR) | Rs.100/- per statement through Branch; Rs.75/- per statement through PhoneBanking (Non-IVR) | ||||||||
| Hold Statement Facility | Rs.400/- per year | ||||||||
| Remittance facility through own Bank | |||||||||
| Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD |
Free | ||||||||
| Pay Orders (PO) - on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO |
Free | ||||||||
| Issuance of DD / PO Through PhoneBanking |
Free without limit Only DD amount upto Rs. 5,00,000 for Current Apex Account holders accepted at PhoneBanking. |
||||||||
| DD/PO-Cancellation/Revalidation | Rs.50/- per instrument | ||||||||
| NEFT/EFT Transactions : | |||||||||
| Payments | Free | ||||||||
| Collections | Free | ||||||||
| RTGS Transactions : | |||||||||
| Payments | Free | ||||||||
| Collections | Free | ||||||||
| Local Transactions (At home branch location) | |||||||||
| Local cheques collections & payments | Free | ||||||||
| Account to Account Fund Transfer within HDFC Bank | Free | ||||||||
| Anywhere Transactions (except Dahej) | |||||||||
| Account-to-Account Fund Transfer within HDFC Bank | Free | ||||||||
| Payment at HDFC Bank Locations | Free | ||||||||
| Collections at HDFC Bank Locations | Free | ||||||||
| Bulk Transaction Charges | All the above transactions are subject to a maximum of 1000 free transactions per month, beyond which charges at the rate of Rs.8 per transaction would be levied. Includes all Local and Anywhere clearing and fund transfer transactions | ||||||||
| Remittance facility through other Bank | |||||||||
| Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup) | Free upto Rs.15 lacs per month beyond which charges @ Rs.1.50 per Rs.1000/- Minimum Rs.50/- per DD | ||||||||
| DD-Cancellation / Revalidation | Rs.50/- per instrument | ||||||||
| Cheque Collection | |||||||||
| Outstation Cheque Collection at Bank Locations |
|
||||||||
| Outstation Cheque Collection at Correspondent Bank Location |
|
||||||||
| Outstation Cheque Collection at Clean Location |
|
||||||||
| Outstation Cheque Collection through Speed Clearing | Free | ||||||||
| Bouncing of cheques- Local | |||||||||
| Cheques Drawn on us | |||||||||
| Due to Insufficient Funds | Upto 2 instruments per month- Rs.300 per instrument. On 3rd / 4th & 5th instrument - Rs.500 per instrument 6th Instrument onwards- Rs.750 per instrument |
||||||||
| Due to Technical Reasons | No Charge | ||||||||
| Cheques Deposited Returned Unpaid | Charge of Rs 50/- per instance would be levied, where AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. is not maintained in previous quarter - Rs. 100 per instrument | ||||||||
| Doorstep Banking ** | |||||||||
| Cash Pickup Charges (within municipal city limits) | |||||||||
| Cash Pickup upto Rs 1 Lac | Rs 150/- per pickup | ||||||||
| Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac | Rs 200/- per pickup | ||||||||
| Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac | Rs 300/- per pickup | ||||||||
| Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager | |||||||||
| Cash Transactions | |||||||||
| Cash Deposit | |||||||||
| Cash Deposit-Home Branch Loation | Higher of Rs.120 Lacs per month or 10 times the previous month AMB or 60 transactions, whichever is breached first; (Subject to a maximum monthly limit of Rs.500Lacs); beyond free limit, charges at Rs.3 per Rs. 1000; minimum of Rs.50/- per transaction | ||||||||
| Operational limit for Cash Deposit -Non Home branches | Max Cash Deposit limit at non-home branches is subject to a limit of Rs.3 Lac per day | ||||||||
| Cash Deposit -Non Home Loation | Rs.30 Lacs per month or 25 transactions, whichever is breached first; beyond free limit charges at 3.5 per 1000; minimum of Rs.50/- per transaction | ||||||||
| Cash Withdrawal | |||||||||
| Cash Withdrawal-Home Branch | Free . | ||||||||
| Cash Withdrawal-Non Home Branch-Intercity & Intracity | Free cash withdrawals upto Rs.50,00,000/- per month, beyond which charges @ Rs.2 per 1000, min Rs.50/-per transaction on incremental amount; Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. | ||||||||
| Miscellaneous | |||||||||
| Balance enquiry | Rs.25/- | ||||||||
| TDS Certificate | Free | ||||||||
| Balance Confirmation Certificate | Rs.50/- | ||||||||
| Interest Certificate | Rs. 50/- | ||||||||
| Cheque Status per instance | Rs. 25/- | ||||||||
| Photo attestation | Rs 100/- per instance | ||||||||
| Address Confirmation | Rs 100/- per instance | ||||||||
| Signature attestation | Rs 100/- per instance | ||||||||
| ECS (Debit) Return Charges | - Rs 350/- would be levied on first instance of ECSStands for Electronic Clearing Service. It is a mode by which funds are automatically debited to your account every month to pay or a certain bill or fee. It helps so you don’t have to remember every month to pay your regular bills. It is only done after a standing instruction is given by the account holder. return in a quarter. - Rs 750/- would be levied, second instance onwards in the same quarter. |
||||||||
| Setting up of Standing Instructions | Rs. 150/- | ||||||||
| Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address) | Rs 50/- per instance | ||||||||
| TIN/IPIN Regeneration (requests received at the branch for physical dispatch) | Rs 50/- per instance | ||||||||
| SI rejects | Rs 200/- per instance | ||||||||
| Old Records / Copy of Paid Cheque | |||||||||
| Upto 1 Year | Rs.50 per record | ||||||||
| Above 1 Year | Rs.100 per record | ||||||||
| Common Charges for Debit / ATM Cards | |||||||||
| Replacement of damaged card | Free | ||||||||
| Replacement of Lost card | Rs.100 | ||||||||
| Copy Retrieval Request | Rs.100 | ||||||||
| Re-Issuance of PIN | Rs.50 (plus taxes) | ||||||||
| Transaction Charge--HDFC Bank ATM's | Balance Inquiry - Free | ||||||||
| Cash Withdrawal - Free | |||||||||
| Transaction Charge--Non HDFC Bank ATM's *** | |||||||||
| Domestic | Balance Inquiry - Free | ||||||||
| Cash Withdrawal - 5 transactions free per month.Beyond which charges @ Rs 20/- per transaction. | |||||||||
| International | Balance Inquiry - Rs.15 per transaction | ||||||||
| Cash Withdrawal - Rs.110 per transaction | |||||||||
| Transaction Decline Charge (at Non HDFC Bank ATM's) | Rs. 25 per transaction | ||||||||
| Stop Payment Charges | |||||||||
| Particular cheque | Rs.50/- (Free through PhoneBanking) | ||||||||
| Range of cheques | Rs.100/- (Free through PhoneBanking) | ||||||||
| Account Closure: | |||||||||
| Up to 14 days | No Charge | ||||||||
| 15 days to 6 months | Rs 2,000/- | ||||||||
| 6 months upto 12 months | Rs 1,000/- | ||||||||
| Beyond 12 months | No Charge | ||||||||
| Activation of Dormant / inoperative account | No Charge | ||||||||
| InstaAlert / Mobile Banking | |||||||||
| Insta Alert | Nil | ||||||||
| Transactions through PhoneBanking: | |||||||||
| Interactive Voice Response (IVR) |
Free | ||||||||
| Non-IVR Agent-assisted – for accounts maintaining AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. | Free | ||||||||
| Non-IVR Agent-assisted – for accounts not maintaining AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. as of previous quarter |
Rs 50/- per call | ||||||||
| Debit Cards (only for Individuals & Sole Proprietorship) | |||||||||
| Debit Card | Easy Shop | ATM Card | |||
|---|---|---|---|---|---|
| Business# | Regular | Gold | Women | ||
| Annual Fee per Card | Free | Free | Rs.500 p.a | Rs.100 p.a. | Free |
| Daily ATM Limit | Rs.50,000 | Rs.25,000 | Rs.50,000 | Rs.25,000 | Rs. 10,000 |
| Daily Merchant Establishment Point of Sale Limit | Rs.75,000 | Rs.40,000 | Rs.75,000 | Rs.40,000 | NA |
| # Also available for partnership firms & limited company current accounts which have operating instructions as "Singly" | |||||
Click here to view charges applicable before 1st July,2012
Click here to view charges applicable before 1st January,2012
Click here to view charges applicable before 1st September,2010
W.e.f April 1, 2012, all fees and charges mentioned in the Tariffs, Charges or Fees Brochures will attract Service Tax @ 12% and Education Cess @ 3% of the service tax amount. The same will appear as separate debits in the statements.
+For accounts maintaining AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. less than Rs.10,00,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement
**Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.
***Charges applicable w.e.f 15th Oct '09. Inclusive of service tax and educational cess.
Have questions?
Can I access my account from any HDFC Bank branch?
Yes. All HDFC Bank branches and systems are interconnected by state-of-the-art technology and allow access at all times.
Can I make payments to my suppliers at HDFC Bank branches 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.
What should I do in case I am unable to access my Company's Current Account through Net Banking?
If you are unable to access your company account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account.
While opening Accounts of Companies, separate Customer IDs are created in name of the Company as well as each of the Authorized Signatory(ies). The latter is distinct and has to be used to access NetBanking for the Company's Account. However, we regret our inability to disclose the appropriate Customer ID on an unsecure e-mail and request you to contact our nearest Branch or PhoneBanking Center for this.
For more details, Contact Us
How is an Apex Current account different from a regular Current Account?
An Apex Current account includes the following privileges:
- Higher free limit of Rs. 120 Lakhs per month for cash deposits at your home branch
- Unlimited free clearing transactions anywhere for payments and collections
- Free and faster collection of outstation cheques at HDFC Bank locations
- Free Demand Drafts and Pay Orders
- Free RTGSIt stands for Real Time Gross Settlement. It means that funds transfers happen immediately, in real time. Instructions are processed at the time they are received rather than later. 'Gross Settlement' means the settlement of funds transfers occur on an instruction by instruction basis. This is considering that the funds settlement take place in the books of the Reserve Bank of India, the payments are final and irrevocable. and NEFTThis stands for National Electronic Funds Transfer (NEFT). It is a system that facilitates an individual or company to electronically transfer funds from any bank branch to any individual or company having an account with any other bank branch in the country. transactions
- Free BillPay and InstaAlerts
- Free Business Debit Card
These features make an Apex Current account different from a regular Current account.
What transactions are included as a part of the Free Anywhere Transactions limit for a month?
The following transactions comprise part of the Free Anywhere Transaction limit:
- Cheque deposited into the account in other cities (in local clearing)
- Inter-city Payable-at-ParThis means you only have to pay the amount written on the cheque and not the service charges that might otherwise be charged to you, especially when you send a cheque to someone out of your city or country. cheque issuance.
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HDFC BANK Car Loans now easily payable in 7 years*
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