Women's Savings Account

Everything a woman wants! A complete solution catering to her banking, investment and lifestyle needs.

Apply Now for an HDFC Bank Women's Savings Account.

Special benefits

  • MoneyMaximiser: Earn higher interest on money lying idle with our automatic sweep out facility. Available on request.
  • Personal Accident Death Cover of Rs 10 lac*
  • Accidental Hospitalisation cover of Rs 1 lac per annum as a reimbursement cover*

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Account benefits

Enjoy a host of features on your EasyShop Woman’s Advantage Debit Card:

  • CashBack offer of Re 1 for every Rs. 200 spent
  • Daily cash withdrawal limit: Rs. 25,000 and daily shopping limit: Rs. 1.25 lakh

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Discount on our other Bank products

  • Demat Account: Waiver on annual maintenance charges for the first year
  • Preferential rates on Loans

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Average Monthly Balance Calculator

Click here to calculate the Average Monthly Balance (AMB) required to be maintained in your account.

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Contact Number
Ahmedabad
6160 6161

What are the features and benefits of a Women's Savings Account?

Features

Get a complete banking solution with the Women’s Savings Account, which comes loaded with features catering to your financial, investment and lifestyle needs.

  • Free cash withdrawal and balance enquiry at all HDFC Bank ATMs and non-HDFC Bank domestic ATMs
  • EasyShop Woman's Advantage Debit Card with a host of benefits like:
    • Re.1 Cashback for every Rs 200/- spent
    • Personal Accident Death Cover of Rs 2 lacs
    • Transaction limit of Rs. 25,000 per day for cash withdrawal and shopping limit of Rs. 1.25 lacs per day.
      Click here to know more on the EasyShop Woman's Advantage Debit Card.
  • Make the most of the optional MoneyMaximizer (sweep-out) facility to transfer your surplus funds to fixed deposits. If the balance in your Women's Savings Account exceeds/reaches Rs 1,00,000, the amount in excess of Rs 75,000 will be transferred to a fixed deposit for a one year and one day period.
  • Payable at par cheque book - free 25 leaves multi-city cheque book per quarter
  • Free lifetime BillPay for all account holders
  • Free folio maintenance charges on Demat account for the first year
  • Free passbook facility for all account holders (individuals)
  • Free email statements
  • Bank conveniently with facilities like NetBanking, Phonebanking and MobileBanking – check your account balance, pay utility bills or stop cheque payments all via SMS.

* Conditions Apply

What are the special privileges with a Women's Savings Account?

Enjoy special privileges with your Women's Savings Account:

  • 1. Insurance Cover*
    • Get Accidental Death Cover of Rs. 10 lacs on your Women's Savings Account
    • Get Accidental Hospitalisation Cover of Rs. 1 lac on your Women's Savings Account
    • Claim daily cash allowance of Rs. 1,000 per day for a maximum of 10 days per year, for each day of hospitalisation due to an accident.
    • For the claim to be accepted & processed, the first holder of the Women's Savings Account should have made at least 1 Point of Sale (POS) purchase at a merchant establishment using the Debit Card in the previous 6 months before the date of event.
  • 2. Preferential pricing on new HSL Trading Accounts - A/c opening charges for 1 A/c @ Rs.999/- & 2 A/cs from Family* @ Rs.1399/-(50% discount on 2nd A/c), each A/c will get benefited for
    • Free Transaction Turnover of Rs. 10 Lacs valid for 3 months from Account Opening**
      Do It Yourself SIP, An unique product to invest in Gold or ETFs or stocks systematically for 12/18/24 months (One time setup fees of Rs.249 for multiple scripts, min. qty. 1 unit)
    • Free online Stock Recommendations and Market Updates
    • Access to the Latest Research Reports and Ideas from our Research Desk
    • Call N trade facility in Multiple Languages
    • 24 Hrs. Live Chat Facility - real time online assistance on Product Offerings, Trading/Investments & Resolution of Queries
    • Free access to Advanced Website Tools and Widgets – Advanced Portfolio Tracker, Watch- list, Desktop Widgets, Stock Screeners etc.
    • Free Access to Predefined and Customized Stock Alerts

    *Family includes Spouse, Major Child,Parents & Siblings
    **Rs 1 lac in equity delivery segment and Rs 9 lacs in equity square off segment in both the accounts.
  • 3. Special offers on Loans:
    • 0.25% less on interest rates till 31st March 14 on your personal loan.
    • Avail 50% discount on processing fees on your Auto Loans
    • Two wheeler loan - Savings of Rs 2,375 and 50% Discount on Processing Fees
  • 4. Special shopping benefits
    • Enjoy exclusive shopping benefits available on select brands
    • Click here to know of the exciting offers on purchases done through Debit/Credit cards

Conditions apply

What are the eligibility criteria to open a Women's Savings Account?

Get details on eligibility criteria & documents required for HDFC Bank Women's Savings Account

The following are eligible to open a Women's Savings Account

  • The first account holder should be a woman
  • A resident individual (sole or joint account)
  • A foreign national

If you are a foreign national, you have to be residing in India for a period greater than 180 days and you have to provide us with:

  • A valid passport
  • A valid Visa
  • FRRO (Foreign Regional Registration Office) Certificate
  • Residential permit

Minimum Balance Requirement

  • A minimum deposit of Rs. 10,000 in metro/urban branches and Rs. 5,000 in semi-urban/rural branches is required to open an account and thereafter an average monthly balance of the same amount has to be maintained
  • It is mandatory to maintain a minimum average monthly balance (AMB) of Rs. 10,000 in metro/urban branches and Rs. 5,000 in semi-urban/rural branches. If the balance is not maintained, the following service charges will be levied:
    • For urban/metro branches: if the AMB in the account is between Rs 5,000 to Rs 10,000, a charge of Rs 250/- per month will be levied. If AMB is less than Rs 5,000, a charge of Rs 350/- per month will be levied.
    • Semi urban/rural: if the AMB in the account is between Rs 2,500 to Rs 5,000, a charge of Rs 250/- per month will be levied. If AMB is less than Rs 2,500, a charge of Rs 350/- per month will be levied.
  • Transaction charges will be applicable, in case the specified AMB has not been maintained in the previous month

What are the fees and charges Women's Savings Account?

Enclosed below are HDFC Bank Women's Savings Account fees and charges

Description of ChargesWomen's Savings Account
Minimum Balance - Average Monthly Balance (AMB) Rs. 10,000 (Metro / Urban branches),
Rs. 5,000 (Semi-Urban / Rural branches)
Charges on non-maintenance thereof For urban/metro branches:

- If the AMB in the account is between Rs 5,000 to Rs 10,000, a charge of Rs 250/- per month will be levied
- If the AMB is less than Rs 5,000, a charge of Rs 350/- per month will be levied

Semi urban/rural branches:

- If the AMB in the account is between Rs 2,500 to Rs 5,000, a charge of Rs 250/- per month will be levied
- If the AMB is less than Rs 2,500, a charge of Rs 350/- per month will be levied
Cheque book Free 25 cheque leaves per calendar quarter
Additional cheque book of 25 leaves will be charged @ Rs 50/- per cheque book
PAP cheque book usage charges No charges
Issue of duplicate/adhoc statements Branch - Rs 100/-
PhoneBanking (Non IVR.) - Rs.75/-
NetBanking, Mobile Banking, PhoneBanking – IVR & ATM - Rs 50/-

For Senior Citizen

Branch - Rs 50/- per statement
• PhoneBanking ( Non IVR) - Rs.50/- per statement
• NetBanking , MobileBanking, PhoneBanking – IVR & ATM - Rs 30/- per statement
( w.e.f 1st July'13 )
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 DD request through Branch
Up to Rs. 10,000 Rs. 50
Rs. 40 (senior citizens/individuals in rural areas)
Rs. 30 through Phonebanking
Above Rs.10,000 & up to Rs. 50,000 Rs. 75 (Rs. 30 through PhoneBanking)
Rs. 60 (Senior citizens / individuals in rural areas)
** DD of amount up to Rs 100,000 can be made only for Preferred/Imperia & Rs 50,000 for other customers accepted at PhoneBanking
Above Rs. 50,000 & up to Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)
Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs 10,000/-)
DD request through Netbanking
Up to Rs. 1 lakh Rs .30+(Corr. Bank charges if applicable)
Third party
DD* up to Rs. 1 Lakh
Rs .30+(Corr. Bank charges if applicable)
*Third Party Registration required (customers registered for third party transfers have a maximum limit of Rs.10 lakhs per customer ID and hence can issue multiple DDs  between Rs.1 lakh and Rs.10 lakhs and send it to the beneficiary address)
Managers cheque/demand drafts - Cancellation/revalidation Rs. 50
Rs. 40 (senior citizens/individuals in rural areas)
( Nil charges for Managers cheque/demand drafts - Cancellation/revalidation up to Rs.100/-)
( w.e.f 1st July'13 )
Demand drafts issued - At non HDFC Bank locations Rs. 50 plus charges as outlined below:
Up to Rs. 500 Rs. 10
Above Rs. 500 to Rs. 1000 Rs. 15
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof
Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (min Rs 300/- to max Rs 10,000/-)
Cheque collection - Local clearing zone Free
Collection of outstation cheques - our Bank locations Charges for cheques drawn on Branch locations Women's Savings Account
Up to Rs 5,000 Rs. 25/-,
(Rs. 20/- for rural branches/senior citizens) account)
Rs. 5,001/- to Rs. 10,000/- Rs. 50/-,
(Rs. 40/- for rural branches / senior citizens account)
Rs. 10,001/- to Rs. 1,00,000/- Rs. 100/-
Rs. 1,00,001/- and above Rs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locations Women's Savings Account
Up to Rs. 1,00,000 No charges
Rs. 1,00,001/- and above Rs. 140/- per instrument
Cheques drawn on Speed Clearing Branches -
at CTS locations
No charge
Collection of outstation cheques - other locations Charges for cheques drawn on
Non -Branch locations
Women's Savings Account
Up to Rs 5,000 Rs. 25/-,
(Rs. 20/- for rural branches/senior citizens) account)
Rs. 5,001/- to Rs. 10,000/- Rs. 50/-,
(Rs. 40/- for rural branches/senior citizens) account)
Rs. 10,001/- to Rs. 1,00,000/- Rs. 100/-
Rs. 1,00,001/- and above Rs. 150/-

Cheques drawn on Speed Clearing
Branches - at non CTS locations

Women's Savings Account
Up to Rs. 1,00,000 No charges
Rs. 1,00,001/- and above Rs. 140/- per instrument
Cheques drawn on Speed Clearing
Branches - at CTS locations
No charge
Cheque return charges drawn on us - local Due to insufficient funds -
  • First cheque return in a quarter - Rs 350/-
  • From second cheque return in the same quarter – Rs 750/- per return
Charges due to funds transfer cheque return - Rs. 350/-
Due to technical reasons ( eg - date not mentioned, post dated, sign mismatch etc) - No charge
Cheques deposited returned unpaid Charge of Rs 100/- per instance would be levied
Balance enquiry - at branch Free
Balance certificate Current year - free; previous year - Rs. 50
Interest certificate Rs. 50
TDS certificate Free
Account closure Up to 14 days - Nil

15 days upto 12 months - Rs 500/- ( Rs 300/- for Senior Citizens)( w.e.f 1st July'13 )
Beyond 12 months - Nil
Photo attestation Rs 100/- per instance ( Nil for Senior Citizens )
( w.e.f 1st July'13 )
Address confirmation Rs 50/- per instance
Stop payment charges Particular cheque - Rs. 50 (Free through Phonebanking and NetBanking), range of cheques - Rs. 100 (free through Phonebanking and Net banking)
Standing instructions Rs. 25 per transcation plus remittance charge
( w.e.f 1st July'13 )
Unarranged overdraft Rs. 100 per occasion + 18% interest p.a
Old records/copy of paid cheques Up to 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)
- In case the AMB in the previous month account is equal to or above Rs 50000/- No charges would be levied
- In case the AMB is below Rs 50,000/- 15 txn free/month would be permitted and charge of Rs 75/txn would be levied 16th transaction onwards. ( w.e.f 1st July'13 )

Cash transactions (Cash deposits & withdrawals) by self at home & Non-home branches Number Cap 5 free cash transactions per month would be permitted and Rs 100/- per txn would be levied 6th transaction onwards (plus taxes)
Cash transactions (Cash deposits & withdrawals) by self at home & Non-home branches
Value Cap Home Branch - No limit
Non Home branch:
- Cash transaction value upto Rs. 49,999/ per day - No charge
- Above Rs. 49,999/- Rs 5/- per 1,000/- on the full amount (plus taxes)
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.

Charge will be levied for the full amount.
Third Party Transactions at Home & Non - Home branch
Value Cap Upto a limit of Rs.49,999 per day - Rs.100 (plus taxes). Rs.50,000 & Above - Not allowed
(w.e.f 1st September'13)
For Senior Citizen customers, Kids / Minor accounts, while the current limits will be applicable, the accounts will not be charged
Local cheque deposited for outstation accounts No charge
PhoneBanking - IVR Free
PhoneBanking - Non IVR Free
Rs. 50 per call on non maintenance of AMB for transactions that are available on IVR but are done through the PhoneBanking executive
ATM card Rs. 100 (plus taxes)
ATM card - Replacement charges Rs. 100 (plus taxes)
ATM card - Transaction charge - non HDFC Bank ATMs Free up to a transaction limit of Rs. 10,000/-
Debit Card - Annual Fee - Regular Rs. 100 per year (plus taxes)
Debit Card - Annual Fee - Women's Card Rs.100 per year (plus taxes)
Debit Card - Annual Fee – Platinum Rs. 500 per year (plus taxes)
Debit Card - Renewal Fee – Platinum Rs. 500 per year (plus taxes)
Debit Card - Renewal Fee - Regular Rs. 100 per year (plus taxes)
Debit Card - Renewal Fee - Women's Card Rs.100 per year (plus taxes)
Debit Card - Replacement charges Replacement of a damaged card - no charges
Replacement of a lost card - Rs. 100 (plus taxes) (for all card types)
Debit Card - Transaction charge - HDFC Bank ATMs Free
Debit Card - Transaction charge - non HDFC Bank domestic ATMs Balance enquiry – Free
Cash withdrawal – Free
Per transaction limit will be Rs. 10,000/-
Debit Card - Transaction charge - non HDFC Bank international ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes)

The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction
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 Rs. 100 per year (plus taxes) - One add-on card free for the first year
Add-on debit card - Women's Card Rs. 100 per year (plus taxes) - One add-on card free for the first year
BillPay Free
InstaPay Rs. 10 (plus taxes) per transaction
InstaAlert Rs.15 per quarter, effective 1st April 2013 (excl of tax)
Customers who have selected only"Email" as the delivery channel for receiving InstaAlerts will not be charged
Visa Money Transfer Rs. 5 (plus taxes) per transaction
NEFT Charges - Inward NIL
NEFT Charges- outward
  • Amounts up to Rs. 10,000 - Rs.2.5 (exclusive of taxes) per transaction
  • Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes) per transaction
  • Amounts above Rs. 1 lakh up to Rs. 2 lakhs - Rs. 15 (exclusive of taxes) per transaction
  • Amounts above Rs.2 lakhs – Rs.25 (exclusive of taxes) per transaction
NEFT Charges for Indo-Nepal transactions Customers having NSBL*A/c - Rs 20/-
Customers having non-NSBL* A/c:
Up to Rs 5,000 - Rs 70/-
Above Rs 5,000 - Rs 95/-
* Nepal State Bank Ltd
RTGS - Outward RTGS - Outward:
Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction
Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction
RTGS - Inward NIL
IMPS (Immediate Payment Service) – Outward
Charges effective 10th May-14
  • Amount up to Rs. 10,000 - Rs.3.5 (exclusive of taxes) per transaction
  • Amount above Rs.10,000 to Rs.1 lakh - Rs. 5 (exclusive of taxes) per transaction
  • Amount above Rs. 1 lakh up to Rs. 2 lakhs - Rs. 15 (exclusive of taxes) per transaction
IMPS (Immediate Payment Service) - Inward NIL
MobileBanking NIL
NetBanking Free
ECS (Debit) Return Charges - Rs 350/- will be levied on first instance of ECS return in a quarter.
- Rs 750/- will be levied, second instance onwards in the same 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 re-generation (requests received at the branch for physical dispatch) Rs 50/- per instance
SI rejects Rs 200/- per instance

Click here to view charges applicable effective 1st September 2013

*At home branch for account holders (individuals)

Note : Service/Transaction charges will be applied in the current month based on the AMB maintianed in the account in the previous month
Service/Transaction charges based on non - maintainence of AMB (as specified above) do not apply to Preferred , Corporate Salary & SuperSaver customers
The PhoneBanking charges will apply on transaction that are available on the IVR but are done through the PhoneBanking Executive

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.

Conditions apply

Would you like to apply now for a Women’s Savings Account?

To open a Women's Savings Account you just have to follow either of the two procedures mentioned below:

  • Request one of our bank representatives to contact you. Click Here to fill in your contact details.
  • Download an application form - Account Opening Form (Individuals). After you download the form, follow these steps:
    • Print and complete the application form
    • Submit the form and the required documents at any of our branches. Click here to find a branch near you.

For documents submitted at the branch, please give us a week to respond to your application.

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