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Acccess your account from
Branches and
ATMs in
Indian towns and cities.
Savings Plus Account
- Personal
- Products
- Accounts & Deposits
- Savings Accounts
- Savings Plus Account
This product has been discontinued effective 1st March 2009
Features and Benefits
- Free lifetime International Debit Card
- Inter-city banking and multi-city banking
- 25% off on locker rental (first year only)
- Special relationship discount on purchase of gold bars
What can you do online?
- Transfer funds through 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.
- Download/request for an account statement through NetBanking instead of calling PhoneBanking or visiting a branch.
- Request for a DD or a cheque book
- Stop payment on a cheque
- Email statement registration
- Apply for an IPO
Contact us
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What are the features and benefits of a Savings Plus Account?
This product has been discontinued effective 1st March 2009
You will get some exclusive features and benefits with your HDFC Bank Saving Plus Account
- Wide network of branches
- Over 7,300 ATMs
- Convenient banking with NetBanking and MobileBanking to check your account balance, pay utility bills or stop cheque payments, through SMS.
- Never overspend – Shop using your International Debit Card that reflects the actual balance in your savings account.
- Personalised cheques with your name printed on each cheque leaf for enhanced security.
- BillPay facility, an instant solution to pay all your regular utility bills. Give instructs for payment over the phone or through the Internet.
- Safe Deposit Locker, Sweep-In and Super Saver facilities with your account.
- Free cash withdrawals on any other Bank's ATM*
- 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. chequebook, without any usage charges.
- Free lifetime InstaAlerts for all account holders
- Free Passbook facility available at home branch for account holders (individuals).
- Free Email Statement facility.
*Conditions Apply
What are the criteria for a Savings Plus account?
You will need to follow certain criteria to operate your Savings Plus account:
- You need a minimum deposit amount of Rs. 10,000 to open an account and an AMB (Average Monthly Balance) of the same amount.
Minimum Balance Requirement
- A minimum deposit of Rs. 10,000/- is required to open an account and thereafter an Average Monthly Balance (AMB) of the same amount has to be maintained.
- If the AMB in the SB a/c falls below 10,000/- following charges would be applicable:
If AMB in the account is between Rs 5,000 to Rs 10,000 Rs. 250/- per month would be levied If AMB is less than Rs 5,000 Rs. 350/- per month would be levied - Transaction charges applicable in case the specified AMB is not been maintained in the previous month.
Did you know?
- You can open your first Demat account with us and you will get free Annual Maintenance for the first year on that account.
- There are no charges on usage of 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. cheques.
- You will get unlimited free transactions using your HDFC Bank Debit Card at any HDFC Bank ATM and any non-HDFC Bank domestic ATM.
You can also benefit from
- A Demat Account with HDFC Bank. Use your savings to invest and trade in shares. Click here for details.
- A Platinum Debit Card and enjoy more benefits and privileges on your Card. click here
- Email statements so you can access your account details from the comfort of your home or office. To get email statements, click here.
Fees and Charges
| Description of Charges | Savings Plus Account | ||||||||||||||||||
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| Minimum Balance - Average Monthly Balance (AMB) | Rs. 10,000 | ||||||||||||||||||
| Charges on non-maintenance thereof | - If AMB in the account is between Rs 5,000 to Rs 10,000 - Rs 250/- per month would be levied. - If AMB is less than Rs 5,000 - Rs 350/- per month would be levied. |
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| Cheque book | Free - 25 cheque leaves per calendar quarter Additional cheque book of 25 leaves will be charged @ Rs 50/- per cheque book Rs. 5 per leaf on non-maintenance of min. balance |
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| PAP cheque book usage charges | No charges | ||||||||||||||||||
| Account statements - Free | Monthly statements to be collected from branch. Quarterly statements sent by post |
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| Issue of duplicate/adhoc statements | Branch - Rs 100/- PhoneBanking ( non-IVR) - Rs.75/- NetBanking, MobileBanking, PhoneBanking - IVRInteractive voice response (IVR) is a technology that allows a computer to interact with humans through the use of voice and keypad inputs. & ATM - Rs 50/- |
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| Hold statement | Rs. 400 per year | ||||||||||||||||||
| Passbook issuance* | Free | ||||||||||||||||||
| Duplicate passbook issuance* | Rs. 100/- | ||||||||||||||||||
| Managers cheques/demand drafts (issuance/re-issuance) - At HDFC Bank locations |
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| Managers cheque/demand drafts - cancellation/revalidation | Rs. 50 Rs. 40 (Senior citizens/individuals in rural areas) |
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| Demand drafts (issued) - On Non-HDFC Bank locations |
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| Cheque collection - Local clearing zone | Free | ||||||||||||||||||
| Collection of outstation cheques - our bank locations |
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| Collection of outstation cheques - Other locations |
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| Cheque return charges drawn on us - Local |
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| Cheque return charges drawn on us deposited in other locations | Rs. 75 | ||||||||||||||||||
| Cheques deposited - Outward |
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| Balance enquiry - At branch | Free | ||||||||||||||||||
| Balance Certificate | Current year - Free; previous year - Rs. 250 | ||||||||||||||||||
| Interest Certificate | Rs. 50 | ||||||||||||||||||
| TDS Certificate | Free | ||||||||||||||||||
| Account Closure | Upto 14 days - Nil 15 days upto 12 months - Rs 500/- Beyond 12 months - Nil |
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| Photo Attestation | Rs. 100/- per instance | ||||||||||||||||||
| Signature Attestation | Rs 100/- per instance | ||||||||||||||||||
| Address Confirmation | Rs 100/- per instance | ||||||||||||||||||
| Stop payment charges | Particular cheque - Rs. 50 (free through PhoneBanking and NetBanking), range of cheques - Rs. 100 (Free through PhoneBanking and NetBanking) | ||||||||||||||||||
| Cheque status per instance | Rs. 25 | ||||||||||||||||||
| Standing instructions | Setting up Rs. 150, Rs. 25 per transcation plus 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. charge | ||||||||||||||||||
| Unarranged overdraft | NA | ||||||||||||||||||
| Old records/copy of paid cheques | Upto 1 year - Rs. 50 per record; above 1 year - Rs. 100 per record | ||||||||||||||||||
| Activation of dormant account | No charges | ||||||||||||||||||
| Branch transactions (includes only cheque deposit/cheque issuance/funds transfer debit/NEFT/RTGS) |
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| Cash transactions (Cash deposits & withdrawals) |
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| Interbranch transactions through teller counters - Funds transfer | Free | ||||||||||||||||||
| Interbranch transactions through teller counters - Cash transactions. |
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| Third party cash transactions at non-home branches through teller counters | Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed | ||||||||||||||||||
| Local cheque deposited for outstation accounts | No charge | ||||||||||||||||||
| PhoneBanking - IVRInteractive voice response (IVR) is a technology that allows a computer to interact with humans through the use of voice and keypad inputs. | Free | ||||||||||||||||||
| PhoneBanking - Non-IVR |
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| ATM card | Free | ||||||||||||||||||
| ATM card - Replacement charges | Rs. 100 (plus taxes) | ||||||||||||||||||
| ATM card - Transaction charge - non HDFC Bank ATMs | Free for first 5 transactions in a month From 6th transaction onwards - Cash withdrawal - Rs. 20**/transaction (inclusive of taxes) Non-Financial Transaction - Rs. 8.5***/transaction (exclusive of taxes) per transaction |
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| ATM card - Transaction charge for non-partner banks | NA | ||||||||||||||||||
| Debit card (annual fee) - Regular | Free for all account holders for life time | ||||||||||||||||||
| Debit card (annual fee) - Gold | Rs. 500 per year (plus taxes) | ||||||||||||||||||
| Debit card (annual fee) - Women's Card | Rs. 100 per year (plus taxes) | ||||||||||||||||||
| Debit card (renewal fee) - Regular | NA | ||||||||||||||||||
| Debit card (renewal fee) - Gold | Rs. 500 per year (plus taxes) | ||||||||||||||||||
| Debit card (renewal fee) - Women's Card | Rs. 100 per year (plus taxes) | ||||||||||||||||||
| Debit Card - Replacement charges | No charges & replacement of a lost card - Rs. 100 plus taxes (for all card types) | ||||||||||||||||||
| Debitcard (transaction charge) - HDFC Bank ATMs | Free | ||||||||||||||||||
| Debit card (transaction charge) - Non HDFC Bank Domestic ATMs | A total of 5 free ATM financial and non-financial transactions per month Additional transactions Rs. 20/- (inclusive of taxes) per transaction for ATM cash withdrawals Rs. 8.50/- (exclusive of taxes) per transaction for ATM non-financial transactions |
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| Debit card (transaction charge) - Non-HDFC Bank international ATMs | Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) | ||||||||||||||||||
| Debit card (transaction charge) - SBI/Andhra Bank ATMs | Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at non-HDFC Bank ATM. Additional transaction done at non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/- |
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| PIN regeneration charge | Rs. 50 (plus taxes) | ||||||||||||||||||
| Decline charge for insufficient balance | Transactions declined at other Bank ATMs anywhere in the world or at a merchant outlet outside India, due to insufficient funds, will be charged at Rs. 25 per transaction (plus taxes) | ||||||||||||||||||
| Add-on debit card - Regular | Free | ||||||||||||||||||
| Add-on debit card - Gold Card | Rs. 500 per year (plus taxes) | ||||||||||||||||||
| Add-on debit card - Women's Card | Rs. 100 per year (plus taxes) | ||||||||||||||||||
| BillPay | Free | ||||||||||||||||||
| InstaPay | Rs. 10 (plus taxes) per transaction | ||||||||||||||||||
| InstaAlert | Free | ||||||||||||||||||
| Visa Money Transfer | Rs. 20 (plus taxes) per transaction | ||||||||||||||||||
| NEFT charges - Inward | NIL | ||||||||||||||||||
| NEFT charges - Outward | Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 lakh - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 lakh - Rs. 25 (inclusive of taxes) per transaction |
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| NEFT charges for Indo Nepal transactions | Customers having NSBL*A/c - Rs 20/- Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/- Above Rs 5,000 - Rs 95/- * Nepal State Bank Ltd |
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| RTGS - Outward | RTGS - Outward: Above Rs. 2 lakh to 5 lakh - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 lakh - Rs. 50 (inclusive of taxes) per transaction |
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| RTGS - Inward | NIL | ||||||||||||||||||
| MobileBanking | Free | ||||||||||||||||||
| Netbanking | Free | ||||||||||||||||||
| Passbook issuance (at home branch) | Free | ||||||||||||||||||
| Duplicate passbook issuance | Rs 100/- | ||||||||||||||||||
| Non Operational Account - Account with no customer initiated transaction in the account for past 1 year | Rs 50/- per quarter | ||||||||||||||||||
| 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 | ||||||||||||||||||
| *Cash handling for cash deposit at home branch | For non-managed customers - Cash deposit value upto Rs 1 lakh/day - No charge - Above Rs 1 lakh - Rs 25/- per Rs 50,000 or part thereof. |
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Click here to view charges applicable before 1st January 2012
*At home branch for account holders (individuals)
Effective 1st April 2012, all fees and charges, mentioned in the Tariff of charges, will attract Service Tax @12% and Education Cess @3% of the Service Tax amount.
Have questions?
What is the procedure to add applicants to your Saving Accounts?
To add an applicant to your savings account, kindly follow the steps below:
- Submit a letter to the branch specifying that you would like to add another applicant to your existing account (mention the name of the applicant in the letter) and sign the letter (all existing applicants must sign)
- Submit a completely filled fresh account opening form available at all HDFC Bank branches. The account opening form should contain a photograph of new applicant (to be added in existing account)
- The account opening form should contain specimen signatures of all existing applicants, including the new applicant (to be added in existing account)
- Submit a proof of identification of the new applicant (provided the applicant does not have any other account with Bank)
- Submit an address proof of the new applicant
All the existing applicants in your account are required to be physically present at the branch, along with the new applicant. As soon as the form and other documents are received and found to be in order, the name will be added to the account within 7 working days, provided no exceptions are found. This will be followed up with the deliverables, as requested at the time of name addition.
For more details, Contact Us
How is the average monthly balance (AMB) calculated?
The AMB is worked out on a calendar quarter basis for three month periods ending March 31st, June 30th, September 30th and December 31st. This is the average of the closing credit balance in the account at the end of each day during the calendar quarter (i.e. a total of the daily closing credit balance divided by the total number of days during the quarter). If this average is less than the minimum prescribed for your account, the charges for non-maintenance will be levied at the beginning of the following quarter along with the Service Tax and Education Cess at the applicable rates.
For complete details on how your AMB is calculated, please Click here
For complete details on charges for non-maintenance of AMB on a Regular Savings Account
What are the charges levied on your account if the required average monthly balance (AMB) has not been maintained?
If your Average Monthly Balance (AMB) has not been maintained in the previous month, please click here for more details regarding the charges applicable for transactions on the savings account.
Please refer to the following options to know the type of charges levied in your account:
- Cheque Book
- Cheque return charges drawn on us - Local
- Cheques deposited - outward
- Branch transactions
- PhoneBanking - Non IVRInteractive voice response (IVR) is a technology that allows a computer to interact with humans through the use of voice and keypad inputs.
- Debit Card - Transaction Charge - HDFC Bank ATM's
As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 12% and Education Cess @ 3% of the service tax amount effective 24th February 2009.
If you wish to know more about Account Statements or want to know its status if requested, please call up PhoneBanking or write to us with full details viz. date of request, mode of request and period of request.
How can you transfer your Savings Account from one branch to another?
Following are the essential documents required to transfer your account from one branch to another:
- An account transfer form, signed by all applicants, given at any of our branches. We recommend that you submit the form at the branch that you want your account transferred to.
- The unused Cheque leaves for your existing account.
- Proof of your mailing address to which all correspondence related to the new account will be sent.
Kindly submit any of the following documents as proof of your new address:
- Passport
- Driving license
- Telephone bill
- Electricity bill
- Bank account statement
- Ration card
- Voters ID (if it has address)
- Letter from the society (only registered societies) on the letterhead which carries the society's Registration No. The letter should carry the applicant's name and full address, as well as the signatory’s full name, designation (Secretary, President) and address.
- Monthly outgoings bill from registered housing society on the letterhead which carries the society's registration no. (Maintenance charges receipts issued by the society are NOT acceptable).
- Registration documents/ownership proof copy
- Lease deed/rent agreement copy
- Senior citizens card from Indian Railways/Indian Airlines (if it has address)
- Mobile postpaid bill
As soon as we receive the form and the supporting documents, after verification, your existing account will be closed and a new account will be opened. An average monthly balance (AMB) as applicable for new accounts opened, effective March 01, 2009, will have to be maintained in your account at all times.
Read more about AMB here.
You may continue to access your new account with your existing NetBanking/PhoneBanking passwords. Your existing ATM/Debit card will be linked to your new account. However, if you are availing any of facilities like auto debit facility, mutual funds SIP, credit card, 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., loans, etc., and in case the same are linked to your existing account, we request you to contact the respective authorities/service providers to link these facilities to the new account.
The cheque book for your new account will be reaching you at your mailing address as The cheque book for your new account will be reaching you at your mailing address as mentioned in your documents/registered in our records by courier within a maximum of 5 days based, on your address location, from the day your account is opened with us.
For more details,
To change your mobile number in our records, please refer to the procedure given below:
Update your Contact Details
Please submit your requirement at the nearest branch in a written letter, duly signed by all account holders. In case you are unable to visit the branch, you can send the letter by postal service or courier. We trust you will appreciate that this is to protect your interests. For more details, Contact Us
Update contact details in InstaAlerts facility
Kindly follow the steps mentioned below to update your mobile number for the InstaAlert facility through NetBanking:
- Log in to your NetBanking account and click on "InstaAlerts" option located at the top of the web page
- Click on Unsubscribe Alerts on the left hand pane of the web page
- Check the SMS option and select Continue
- Click on Confirm
- Click on Subscribe for Alerts on the left hand pane of the web page
- Check the SMS option and enter your new mobile number
- Click on Continue and Confirm
- Go to Manage Alerts and select the required alert types
Update contact details in MobileBanking/ InstaQuery facility Kindly follow the steps mentioned below to update your mobile number for the InstaQuery facility through NetBanking:
- Log in to NetBanking with your Customer Identification Number and NetBanking Password (IPIN).
- Click on InstaQuery Registration on the top right hand corner
- Select De-register for InstaQuery from the left hand side menu
- From the list shown, select the mobile number that needs to be de-registered
- Click on Continue
- Select Confirm
- Your InstaQuery de-registration request will be processed online
- Subsequently, you need to re-register for InstaQuery on the new number as below:
- Log in to NetBanking with your Customer Identification Number and NetBanking Password (IPIN)
- Click on InstaQuery Registration on the top right hand corner
- Select Subscribe for InstaQuery from the left hand side menu
- Choose your Account Number from the list of all accounts linked to your Customer Identification Number as shown to you (all the account level transactions will be effective for the Primary Account selected by you at the time of registration. The primary account can be changed at a later date, whenever required, to use the 'Change Primary Account' facility in InstaQuery).
- Provide your 10 digit mobile number along with the country code. Note that all Reliance CDMA customers need to provide 10 digit mobile number only, without the country code
- Click on the Check box which states 'I accept Terms and Conditions'
- Click on Confirm. Your request will be processed online
Alternatively, please submit the E-age banking form to the branch to avail of the InstaQuery facility. Please check for the availability of the service with your cellular service provider. For more details regarding InstaQuery, please click here
Update Secure Access
Please submit a duly signed request at the nearest branch to change your telephone numbers. For more details, Contact Us.
Update your Residential (land line number) To change your residential number in our records, we request you to follow the steps mentioned below:
- Log into Netbanking
- Click on My Contact Details and Scroll down
- Enter the new number in Phone# (residential) column
- Click on Continue
- Your contact details will be displayed
- Click on Confirm
For more details, Contact Us.
How can I change / update the residential address for my account?
We request you to follow the below steps to update /change your address.
Option A) Personal Visit at the Branch by the Account holder/s.
Step 1) Fill the application form available at the Branch.
Step 2) Sign the application form.
Step 3) Submit documentary proof (carry the original for verification) of your new address. Click to view the Valid Address Proof. However, if you have held an account for more than 6 months and you are not able to submit any of the acceptable documents to establish proof of address, then you need to compulsorily submit any one of the following identification documents:
- Valid Passport
- PAN Card
Option B) Request other than Personal Visit at the Branch
Step 1) Download the address change application form.
Step 2) Fill the application form duly signed by the holder.
Step 3) Attach address proof of your new address. (Self attested by the holder)
Step 4) Send the documents mentioned above by courier, post or bearer to the Branch.
Note / Important:
- For Joint accounts, all the account holders / applicants need to mention their “Customer Identification Numbers” and put their signatures in the address change form.
- Requests received through Phone Banking, Net Banking, email and scanned or faxed copy will not be processed.
- Your mailing address will be updated within 7 working days after receipt of complete documentation.
- The change in address will be confirmed through mailers sent to your old address.
- You may confirm the change in address by logging on to NetBanking through "My Contact Details".
For any other queries regarding the above or to know the status of an existing application, please call up PhoneBanking or write to us with the details mentioned below.
- HDFC Bank Branch where your request was submitted
- Date when your request was submitted
- Your complete new address and PIN code
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