Regular Savings Account

A savings account designed to meet your day to day banking needs while giving you 24X7 access to your bank.

Apply now for an HDFC Bank Regular Savings Account.

Features

  • Wide network of branches and ATMs to meet all your banking needs, no matter where you are located
  • Select from our range of International Debit cards as per your needs and avail a range of benefits
  • Take advantage of exclusive discounts & offers through our online shopping portal www.smartbuy.hdfcbank.com

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Benefits

  • Use NetBanking, BillPay, PhoneBanking and MobileBanking for all your banking needs
  • Annual Maintenance Charge (AMC) waived off for the first year for the first new Demat account
  • Avail of facilities like Safe Deposit Lockers, Sweep-In and Super Saver facilities on your Regular Savings Account

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Contact Number
Ahmedabad
6160 6161

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

Features

You will get some exclusive features and benefits with your HDFC Bank Regular Saving Account

* Conditions Apply

What are the eligibility criteria to open a Regular Savings Account?

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

A Regular Savings Account is for anyone who is a:

  • A resident individual (sole or joint account)
  • A Hindu undivided family
  • 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 (metro/urban branches), Rs. 5000 (semi-urban/rural branches) is required to open an account and thereafter an average monthly balance of the same amount has to be maintained.
  • Please note: It is mandatory to maintain a minimum average monthly balance (AMB) of Rs. 10,000 (metro/urban branches), Rs. 5000 (semi-urban/rural branches). If the balance is not maintained, the following service charges will be levied:
  • For urban/metro branches: If AMB in the account is between Rs 5,000 to Rs 10,000, a charge of Rs 250/- per month would be levied. If AMB is less than Rs 5,000, a charge of Rs 350/- per month would be levied.
  • Semi urban/rural: If AMB in the account is between Rs 2,500 to Rs 5,000, a charge of Rs 250/- per month would be levied. If AMB is less than Rs 2,500, a charge of Rs 350/- per month would be levied.

What are the fees and charges of Regular Savings Account ?

Enclosed below are HDFC Bank Regular Savings Account fees and charges

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

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

Semi urban/rural:

- If AMB in the account is between Rs 2,500 to Rs 5,000, a charge of Rs 250/- per month would be levied.
- If AMB is less than Rs 2,500, a charge of Rs 350/- per month would be levied.
Cheque book Free - 25 cheque leaves per calendar quarter
Additional chequebook of 25 leaves will be charged @ Rs 50/- 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/-

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
Upto Rs. 10,000 Rs. 50
Rs. 40 (senior citizens/individuals in rural areas)
Rs. 30 through Phonebanking
Above Rs.10,000 & upto Rs. 50,000 Rs. 75** (Rs. 30 through PhoneBanking)
Rs. 60 (Senior citizens / individuals in rural areas.)

**Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at PhoneBanking
Above Rs. 50,000 & upto 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
Upto Rs. 1 Lakh Rs .30+(Correspondent Bank charges if applicable)
Third party DD* uptoRs. 1 Lakhs Rs .30+(Correspondent Bank charges if applicable)
*Third Party Registration required (customers registered for third party transfers have a maximum limit of 10 lakh per customer id and hence can issue multiple DDs of 1 lakh up to 10 lakh 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:
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 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 Regular Savings Account
Upto 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 Regular Savings Account
Upto Rs. 1,00,000 No charges
Rs. 1,00,001/- and above Rs. 140/- per instrument
Collection of outstation cheques - Other locations
Charges for cheques drawn on Non-Branch locations Regular Savings Account
Upto 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 Regular Savings Account
Upto Rs. 1,00,000 No charges
Rs. 1,00,001/- and above Rs. 140/- per instrument
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 Upto 14 days - Nil
15 days upto 12 months - Rs 500/- ( Rs 300/- for Senior Citizens)
Beyond 12 months - Nil
( w.e.f 1st July'13 )
Photo attestation Rs 100/- per instance ( Nil for Senior Citizens )
( w.e.f 1st July'13 )
Address confirmation Rs 50/- per instance
Stop payment ( request from customer not to honour cheque issued ) 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 pa
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)
- 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 Min balance for transactions that are available on IVR but are done through the PhoneBanking executive
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
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 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
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)
BillPay This service is free w.e.f 1st August'2011
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 lakh - Rs. 15 (exclusive of taxes) per transaction
  • Amounts above Rs.2 lakh – 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:
Upto Rs 5,000 - Rs 70/-
Above Rs 5,000 - Rs 95/-
* Nepal State Bank Ltd
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
RTGS - Inward NIL
MobileBanking NIL
NetBanking Free
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.
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
Standing Instruction 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.

Would you like to apply now for a Regular Savings Account?

To open a Regular 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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