Regular Salary Account

A comprehensive salary account tailored for you; with special offers including free Accidental Death Cover of Rs. 6 lakh and Air Accidental Death Cover of Rs. 30 lakhs*.

Apply now for an HDFC Bank Regular Salary Account.

Features

  • Free Personal Accidental Death Cover of Rs.6 lakh*
  • Free Air Accidental Death Cover of Rs.30 lakhs*
  • 5% savings on your everyday spends on partner merchants
  • Free International Rewards Debit Card with higher limits

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Benefits

  • Get your account number, chequebook and debit card instantly. Visit our nearest branch Now
  • Access your bank account at your convenience

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To refer your organisation, please visit your nearest branch.

Contact Us

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Contact Number
Ahmedabad
6160 6161

What are the features and benefits of a Regular Salary Account?

Features

Features

  • Zero Balance Savings Account
  • Free Personal Accidental Death Cover of Rs.1 lakh* on salary account. Know more.
  • Free Air Accidental Death Cover of Rs.5 lakhs* on salary account. Know more.
  • Free International Rewards Debit card with higher ATM withdrawal and shopping limits
  • 5% savings on your everyday spends on partner merchants. Enjoy up to 2000* Reward points per month Click here to Know More.
  • Shop with big brands across categories like Grocery, Fuel, Railways, Online & Pharmacy tearn your monthly reward points viz, Big Bazaar, BPCL, ITCTC, Snapdeal and ApollPharmacy
  • Insurance Cover on Debit card
    • Personal Accidental Death cover by Air/ Road/ Rail – Sum insured of RS 5. Lakhs.
    • You also get additional International Air Coverage of flat Rs.25 Lakhs on purchase of air ticket using your Debit Card. (For International Air Tickets booked using HDFC Bank Rewards Debit Card.)
    • All Debit Card holders are required to use their Debit Card at retail OR online stores at least once every 30 days to keep the free Personal Death Insurance cover active.
  • Enjoy higher spending & withdrawal limits
    • Domestic Shopping limit – Rs.2.75 lac (at merchant outlet & Online store)
    • Domestic Cash withdrawal – Rs.50,000
  • Zero fuel Surcharge - Fuel Surcharge reversal on HDFC Bank Terminal at Select BPCL fuel stations
  • Zero Liability cover up to 1 Lakh*
  • Free add-on International Debit Card only for first year
  • Free access to other bank ATMs in India*
  • Preferential pricing on loan products*
  • Transfer funds online tany bank across the country through NEFT / RTGS
  • Anywhere Banking across our extensive Branch and ATM network
  • Free e-mail alerts (InstaAlert facility)
  • Free BillPay facility
  • Free e-mail statements / passbook
  • Free Demand Drafts payable at HDFC Bank branch locations
  • Free Phonebanking, MobileBanking and NetBanking facilities

* Terms and Conditions apply – Features and Benefits may vary subject to corporate offer

What are the fees and charges of Regular Salary Account ?

Enclosed below are HDFC Bank Regular Salary Account fees and charges

Description of Charges Regular Salary Account
Minimum Balance (Average Monthly Balance) NIL
Charges on non maintenance thereof NIL
PAP Cheque book Free 25 cheque leaves per half year

Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook
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/-
Hold Statement Rs. 400 per year
Passbook issuance* Free
Duplicate passbook issuance* Rs 100/-
Managers Cheques / Demand Drafts - Issuance / Re-issuance - On HDFC Bank Locations
DD request through Branch

Free upto Rs.25,000
DD request through Branch
Above Rs. 25,000  Rs.5 per 1000  (min Rs 75/- & max Rs. 10,000)
 
DD request through Netbanking
Upto Rs. 1 Lakh Rs .50+(Corr. Bank charges if applicable)
Third party DD upto Rs. 1,00,000 Rs .50+(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 of Rs. 1 lakh upto Rs. 10 lakhs and send it to the beneficiary address)
Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 100 (Nil cancellation / revalidation charges for Managers Cheque / DD value upto Rs.1000/-)
Demand Drafts- Issued - On Non HDFC Bank Locations
Rs. 50 plus charges as outlined below:
Upto 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 Rs. 5 per 1000
Cheque Collection - Local Clearing Zone Free
Collection of outstation cheques - our bank locations
Charges for cheques drawn on Branch locations
Upto Rs 5,000
Rs. 25/-,
Rs. 20/- for Rural branches
Rs. 5,001 to Rs 10,000
Rs. 50/-,
Rs. 40/- for Rural branches
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
Upto 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
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges
Collection of outstation cheques - other locations
Charges for cheques drawn on Non-Branch locations
Upto Rs 5,000 Rs. 25/-,
Rs. 20/- for Rural branches
Rs. 5,001 to Rs 10,000 Rs. 50/-,
Rs. 40/- for Rural branches
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
Upto 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
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges
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 -Rs.50/ per instance will be charged
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 Upto 14 days - No Charge
15 days upto 12 months - Rs 500/-
Beyond 12 months - No Charge
Photo Attestation Rs 100/- per instance
NIL (For Senior Citzens)
Signature Attestation NIL
Address Confirmation Rs 50/- per instance
Stop Payment Charges Particular cheque - Rs.100/-

Range of cheques - Rs.200/-

Free through NetBanking
Standing Instructions Setting up Charges - NIL
Rs. 25 per transaction plus remittance charge
Unarranged overdraft Rs 100 per Occasion + 18% Interest p.a
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)
(Charges over and above standard remittance charges for Fund Transfer / NEFT / RTGS .Remittance charges applicable starting first transaction onwards)
- In case the AMB in the previous month is equal to or above Rs 50,000/- 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 from the 16th transaction onwards
Cash Transactions
No.of cash transactions (Self at home and non-home branches)

Value Cap will be applicable along with Number Cap on Cash Txns on Non Home branch
5 free cash transactions per month would be permitted and Rs 100/- per txn would be levied 6th transaction onwards.
Value of cash transactions through teller counters by Self Home Branch - Free with no limit on cash deposit and withdrawal
Non Home Branch (Interbranch) -
Value upto  Rs. 50,000/- per day - No charge
Above  Rs. 50,000/- Rs 5/- per 1,000/- on the full amount
Third party cash transactions through teller counters (at home and non-home branches) Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes and cess). Above Rs.50,000 - Not allowed

*For Senior Citizen customers, Kids / Minor accounts, while the current limits will be applicable, the accounts will not be charged
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.
Local Cheque deposited for outstation accounts Free
Phonebanking - IVR Free
Phonebanking - Non IVR Free
ATM Card Free
ATM Card - Replacement charges Rs. 200 (plus taxes and cess)
Debit Card - Annual Fee - Regular / Rewards Free
Debit Card - Annual Fee - Titanium Rs. 250 per year (plus taxes and cess)
Debit Card - Annual Fee - Titanium Royale Rs. 400 per year (plus taxes and cess)
Debit Card - Annual Fee - Gold / Platinum Rs.750 per year (plus taxes and cess)
Debit Card - Annual Fee - Women's Card Free
Debit Card - Renewal Fee - Regular / Rewards Free
Debit Card - Renewal Fee - Titanium Rs. 250 per year (plus taxes and cess)
Debit Card - Renewal Fee - Titanium Royale Rs. 400 per year (plus taxes and cess)
Debit Card - Renewal Fee - Gold / Platinum Rs.750 per year (plus taxes and cess)
Debit Card - Renewal Fee - Women's Card Free
Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 200 (plus taxes and cess) (for all card types)
ATM / Debit Card Card - Transaction Charge
HDFC BANK ATMs Other Bank ATMs
First 5 Transactions Free  across all Cities (a) In Top 6 cities** : First 3 Transactions Free
(b) Non Top 6 cities : First 5 Transactions Free
*Includes both financial and non-financial transactions (includes only Balance Enquiry, Mini Statements requests and PIN change transactions)
For transactions done on other bank ATMs, Maximum of 5 transactions free in a month with a cap of Maximum 3 free transactions in Top 6 Cities
**Top 6 Cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs
Please check with your respective Corporate Salary Manager / Branch Manager for details of the offer.

Transactions over and above free limit will be charges as under:
  • Cash withdrawal - Rs. 20 plus taxes and cess per transaction
  • Non-Financial Transaction - Rs. 8.5 plus taxes and cess per transaction
Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 25 per balance enquiry & Rs. 125 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 and cess)
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 and cess)
Add-on Debit Card - Regular

Rs 150 per year (plus taxes and cess)-One Add-on card free for the first year

Add-on Debit Card - Rewards

Rs 500 per year (plus taxes and cess)

Add-on Debit Card - Gold Card / Platinum Rs.750 per year (plus taxes and cess)
Add-on Debit Card - Women's Card

Rs 150 per year (plus taxes and cess)-One Add-on card free for the first year

Add-on Debit Card - Titanium Rs. 250 per year (plus taxes and cess)
Add-on Debit Card - Titanium Royale Rs. 400 per year (plus taxes and cess)
BillPay Free
InstaPay Rs. 10 (plus taxes and cess) per transaction
InstaAlert Email - Free
SMS - Rs. 15/- per quarter
Visa Money Transfer Rs. 5 (plus taxes and cess) per transaction
NEFT Charges - Inward NIL
NEFT Charges- outward
  • Amounts up to Rs. 10,000 - Rs.2.5 (exclusive of taxes and cess) per transaction
  • Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes and cess) per transaction
  • Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (exclusive of taxes and cess) per transaction
  • Amounts above Rs.2 lakh – Rs.25 (exclusive of taxes and cess) per transaction
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
RTGS - Outward
  • Above Rs. 2 lakhs to 5 Lakhs - Rs. 25 (exclusive of taxes and cess) per transaction
  • Above Rs 5 Lakhs - Rs. 50 (exclusive of taxes and cess) per transaction (effective 1st Feb-15)
RTGS - Inward NIL
IMPS (Immediate Payment Service) - Outward
  • Amount up to Rs. 1 lakh - Rs.5 (exclusive of taxes and cess) per transaction
  • Amount above Rs. 1 lakh up to Rs. 2 lakhs - Rs. 15 (exclusive of taxes and cess) per transaction
IMPS (Immediate Payment Service) - Inward NIL
Mobilebanking Free
Netbanking Free
ECS (Debit) Return Charges - Rs 350/- in a quarter
- Rs 750/- would 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 Regeneration (requests received at the branch for physical dispatch) Rs 50/- per instance
IPIN Regeneration (requests received at the branch for physical dispatch) Rs 100/- per instance
SI rejects Rs 200/- per instance

*at home branch for account holders (individuals)

Effective 1st June 2014, all fees and charges, mentioned in the Tariff of charges, will attract Service Tax @14%.


Effective 15th November 2015, all fees and charges will attract additional 0.5% Swachh Bharat Cess (SBC)

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