Regular Current Account

Ideal low cost account for businesses that operate in one city. With free access to one of the most advanced and secure NetBanking and MobileBanking services.

Apply now for an HDFC Bank Regular Current Account.


  • Free Cash Deposits up to Rs. 2 lakhs per month* across all HDFC Bank Branches in your city.
  • Free local/ intercity cheque collection & payment within HDFC Bank Branch locations.
  • Free Funds Transfer across cities between HDFC Bank accounts
  • Free Payments through NEFT. Nominal charges for RTGS payments
  • Issue free Demand Drafts (DD) / Pay Order for values above Rs.100,000.

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You are eligible to operate a Regular Current account if you fall under any of the following categories:

  • Resident Individual
  • Hindu Undivided Family
  • Sole Proprietorship Firms
  • Partnership Firms
  • Private and Public Limited Companies

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Contact Number
6160 6161

What are the features and benefits for a Regular Current Account?

The features and benefits of a Regular Current account are as follows:



*Conditions Apply

Refer to Fees and Charges for further details

How am I eligible for a Regular Current account?

Get details on eligibility criteria & documents required for HDFC Bank Regular Current Account

You are eligible to operate a Regular Current account if you fall under any of the following categories:

  • Resident Individual
  • Hindu Undivided Family
  • Sole Proprietorship
  • Partnership
  • Limited company
  • Trust
  • Association/Club/ Society
  • Foreign Institutional Investor
  • Foreign national residing in India
  • Limited Liability Partnership

Already have a Regular Current Account?

  • You can make free cheque payments and collections (local or anywhere) with your suppliers
  • For any amount above Rs. 1 Lakh, you can issue Demand Drafts or Pay Orders for free.
  • You can take the help of our trade finance professionals to route your export and import transactions at very competitive rates.

You can also benefit from

  • Higher transaction limits by upgrading your existing Current Account product. Click here for a Premium Current Account.
  • Netbanking and Mobile Banking by tracking your funds online at anytime and from anywhere.
  • Our Forex services including Forex Travellers Cheques, Forex Cash and a Forex Plus Card when you travel.Click here for details.

What are the fees and charges of Regular Current Account?

Enclosed below are HDFC Bank Regular Current Account fees and charges

Fees & Charges for Regular Current Account effective 1st December, 2014

Description of ChargesRegular Current Account
Minimum Balance (Average Quarterly Balance) Rs. 10,000/-
Non-Maintenance Charges per quarter Charge of Rs.750/- per quarter
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)

( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.)

Charges Rs 2/- per leaf
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 HDFC Bank Locations (Issued from any branch) / Duplicate DD DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 to Rs. 100,000- Rs. 25/- per DD, Above Rs. 100,000- Free
Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 to Rs. 100,000 - Rs. 25/- per PO, Above Rs. 100,000- Free
Issuance of DD/ PO through PhoneBanking All standard charges for DD / PO are applicable as above. Only DD / PO amount upto Rs 500,000/- are accepted at Phonebanking.
DD/PO-Cancellation/Revalidation Rs.50/- per instrument
NEFT/EFT Transactions :
Payments Free
Collections Free
RTGS Transactions :
Payments Rs. 25 per transaction
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 transactions are subject to a maximum of 50 transactions per month, beyond which charges @ Rs.10/- per transaction would be levied. Includes all Local / Anyhwere clearing and Funds transfer transactions
Remittance facility through other Bank
Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup) Rs.2.00 per Rs.1000/- Minimum Rs.50/-
DD-Cancellation / Revalidation Rs.50/- per instrument
Cheque Collection
Outstation Cheque Collection at Bank Locations
Instrument Value Charges
Upto Rs 50,000/- Rs 50/- per instrument
Above Rs 50,000/- and upto Rs 1,00,000/- Rs 100/- per instrument
Above Rs 1,00,000/- Rs 150/- per instrument
Outstation Cheque Collection at Correspondent Bank Location and Clean Location (Non-Corr Bank Location) and Non-MICR cheque
Instrument Value Charges
Upto Rs 25,000/- Rs 50/- per instrument
Above Rs 25,000/- and upto Rs 1,00,000/- Rs 100/- per instrument
Above Rs 1,00,000/- Rs 150/- per instrument
Cheque Collection through Speed Clearing
Instrument Value Charges
Upto Rs.100,000/- Free
Above Rs.100,000/- Rs.140/- per instrument
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
Local Rs.50/- per instance
Accounts Not maintaining AQB as of Previous Quarter Rs. 50/- per instance
Outstation Rs.100/- per instance
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 Location Free upto Rs.2 lacs per month or 25 transactions, whichever is lower. Deposit in excess of Rs.2 lacs or 25 transactions will be charged @ Rs.3 per 1000, minimum Rs.50 per transaction.
Limit on Inter-Branch deposits (Within Home Branch City) Cash deposit at non home Branches within home branch city subject to maximum of Rs.10,000 per account per day
Cash Deposit -Non Home location Cash Deposit - Non-Home Location - Maximum Rs.10,000 per day. Charges @ Rs. 3.5 per 1000, min Rs.50 per transaction
Cash Withdrawal
Cash Withdrawal-Home Branch Free at Home Branch
Cash Withdrawal-Non Home Branch-Intercity & Intracity Cash Withdrawal charges @ Rs.2/1000, min Rs.50 per transaction.Third party cash withdrawal allowed only up to maximum Rs. 50,000 per transaction.
Balance enquiry Rs.25/-
TDS Certificate Free
Balance Confirmation Certificate Rs.50/-
Interest Certificate Rs.50/-
Cheque Status per instance Rs.25/-
Photo Verification Rs 100/- per instance
Address Confirmation Rs 100/- per instance
Signature Verification Rs 100/- per instance
ECS (Debit) Return Charges - Rs 350/- would be levied on first instance of ECS return in a quarter.
- Rs 750/- would be levied, second instance onwards in the same quarter.
Setting up of Standing Instructions Nil
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.200/-
Copy Retrieval Request Rs.100
Re-Issuance of PIN Rs.50 (plus taxes)
ATM Usage:
Transacton TypeBalance Inquiry Cash Withdrawal
HDFC Bank ATMs Free Free
Non-HDFC Bank ATMs
Domestic On all transactions ( Financial + Non financial ), Charges applicable @Rs.20/- per transaction

*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

Rs.15/- per transaction 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 Phone Banking)
Range of cheques Rs.100/- (FREE through Phone Banking)
Account Closure:
Up to 14 days No Charge
15 days to 6 months Rs 500/-
6 months upto 12 months Rs 250/-
Beyond 12 months No Charge
InstaAlert / Mobile Banking
Insta Alert Rs 25/- per quarter
Transactions through PhoneBanking:
Interactive Voice Response (IVR) Free
Non-IVR-Agent assisted-For accounts maintaining AQB Free
Non-IVR- Agent assisted - For accounts NOT maintaining AQB as of previous quarter and for transactions that are available on IVR Rs.50/- per call
Charges on all IMPS Outgoing transactions:
Slabs (Rs)Charges Exclusive of service tax (Rs)
1 to 10,000 3.5
Above 10,000 to 1 Lakhs 5
Above 1 Lakh to 2 Lakhs 15
Debit Cards (only for Individuals & Sole Proprietorship)
Debit CardEasy ShopATM Card
Annual Fee per Card Rs.250/- p.a. Rs.100 p.a. 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 Fees & Charges for Regular Current Account before 1st December, 2014

Click here to view Fees & Charges for Regular Current Account before 1st November, 2013

Click here to view charges applicable before 1st January, 2012

Click here to view charges applicable from Jan 2009 to 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 AQB less than Rs.10,000/- 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 Exclusive of service tax and educational cess.

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