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 offers.smartbuy.hdfcbank.com

Apply Online

Average Monthly Balance Calculator

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

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 and Super Saver facilities on your Regular Savings Account

Apply Online

Looking for NRI Savings Account ? Click Here

Compare Regular Savings Account

Compare and see which account suits you perfectly.

Compare Now

Contact Us

Apply Now
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

  • Wide network of branches and over 11000 ATMs to meet all your banking needs, no matter where you are located.
  • Bank conveniently with facilities like NetBanking, PhoneBanking and MobileBanking – check your account balance, pay utility bills or stop cheque payments all via SMS.
  • Never overspend - Get Rewards Debit Card (metro/urban locations) or a Rupay Premium Debit Card (semi-urban & rural locations) with your Regular Savings Account.
    Or click HERE to choose a Debit card for your account that suits your lifestyle needs.
    Enjoy a host of benefits and features on your Debit Card that always reflect the actual balance in your savings account.
  • Personalised cheques with your name printed on each cheque leaf for enhanced security.
  • Take advantage of BillPay – an instant solution so you can pay all your frequent utility bill payments. Instruct for payments over the phone or through the Internet.
  • Avail facilities like Safe Deposit Lockers and Super Saver facilities on your account.
  • Free passbook facility for all account holders (individuals)
  • Free Email Statement facility.
  • Annual Maintenance Charge (AMC) waived off for the first year for the first new Demat account

What are the eligibility criteria to open a 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 initial deposit of Rs. 10,000 (for metro/urban branches) / Rs. 5,000/-(For Semi-urban branches) / Rs. 2,500 (for Rural branches) is required to open a Savings Regular Account.
  • Please note: It is mandatory to maintain a minimum average balance in Savings Regular Account as follows:-
    • For Metro / Urban branches: Rs. 10,000 Average Monthly Balance
    • For Semi-Urban branches: Rs. 5,000/- Average Monthly Balance
    • For Rural branches: Rs. 2,500/- Average Quarterly Balance or Fixed Deposit of Rs. 10,000/- for a minimum tenure of 1 year 1 day
  • If the required average balance is not maintained in savings account, the following non-maintenance charges will be levied:
Balance Non-Maintenance Charges*
AMB Slabs
(in Rs.)
Metro & Urban Semi Urban
AMB Requirement -Rs 10,000/- AMB Requirement –Rs. 5,000/-
>=7,500 to < 10,000 Rs. 150/- NA
>=5,000 to < 7,500 Rs. 300/- NA
>=2,500 to < 5,000 Rs. 450/- Rs. 150/-
0 to < 2,500 Rs. 600/- Rs. 300/-

*Service Tax + Cess applicable
AMB – Average Monthly Balance

AQB Slabs (in Rs.) Balance Non-Maintenance Charges* (per quarter) - Rural Branches
>= 1000 < 2,500 Rs. 270/-
0 - <1000 Rs. 450/-

*Service Tax + Cess applicable
AQB – Average Quarterly Balance


What are the fees and charges of Regular Savings Account ?

Description of ChargesRegular Savings Account
Minimum Average Balance Requirements

Metro / Urban branches: AMB Rs.10,000/-,
Semi-Urban Branches: AMB Rs.5,000/- ,
Rural Branches: AQB Rs.2,500/- or Fixed Deposit of Rs. 10,000 for minimum 1 year 1 day period

Charges applicable on non-maintenance
Balance Non-Maintenance Charges*
AMB Slabs
(in Rs.)
Metro & Urban Semi Urban
AMB Requirement -Rs 10,000/- AMB Requirement –Rs. 5,000/-
>=7,500 to < 10,000 Rs. 150/- NA
>=5,000 to < 7,500 Rs. 300/- NA
>=2,500 to < 5,000 Rs. 450/- Rs. 150/-
0 to < 2,500 Rs. 600/- Rs. 300/-

*Service Tax + Cess applicable
AMB – Average Monthly Balance


AQB Slabs (in Rs.) Balance Non-Maintenance Charges* (per quarter) - Rural Branches
>= 1000 < 2,500 Rs. 270/-
0 - <1000 Rs. 450/-

*Service Tax + Cess applicable
AQB – Average Quarterly Balance

Cheque book Free - 25 cheque leaves per half year. Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook.
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 )
Passbook issuance* Free
Duplicate passbook issuance* Rs 100/-
Managers cheques/demand drafts- Issuance/re-issuance - At HDFC Bank locations
DD/MC Issuance Charges Through Branch
Upto Rs. 10,000 - Rs. 50/- Above Rs.10,000 - Rs.5 per 1000 on entire amount (min Rs.75/- & max Rs.10,000)
Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at PhoneBanking
DD request through Netbanking
Upto Rs. 10 Lakhs Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014)
Third party DD* uptoRs. 1 Lakhs Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014)
*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. 100
( Nil charges for Managers cheque/demand drafts - Cancellation/revalidation up to Rs.1000/-)
( w.e.f 1st Jan 2016 )
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. 10000 Rs. 5 per 1000 or part thereof (min Rs 75/- 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 - at non CTS locations Regular Savings Account
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 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 - at non CTS locations Regular Savings Account
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.
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 per instance
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. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)
Standing Instructions Rs. 25/- per transaction 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)
(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 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 through teller/counters

Value Cap will be applicable along with Number Cap on Cash Txns on Non Home branch
Number Cap 5 free cash transactions per month would be permitted and Rs 100/- per txn would be levied 6th transaction onwards (plus taxes and cess)
Cash transactions (Cash deposits & withdrawals) by self at home & Non-home branches through teller/counters
Value Cap Home Branch - No limit
Non Home branch:
- Cash transaction value upto Rs. 50,000/ per day - No charge
- Above Rs. 50,000/- Rs 5/- per 1,000/- on the full amount (plus taxes and cess)
Cash handling for cash deposit at home branch (Not applicable to Classic, Preferred and Imperia customers) For non-managed customers

- Cash deposit value upto Rs 1 lakh/day - No charge
- Above Rs 1 lakh - Rs 25/- per Rs 50,000 (on entire amount on pro rata basis) .

Charge will be levied for the full amount.
Third Party Transactions at Home & Non - Home branch
Value Cap Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes and cess). Above Rs.50,000 - Not allowed
(w.e.f 1st September'13)
For Senior Citizen customers, Kids / Minor accounts, while the limit of Rs. 50,000/- per day 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. 200 (plus taxes and cess) (w.e.f 1st Dec'14)
Debit Card Charges
All fees will attract Service Tax & Cess as applicable
Debit Card Variant Issuance Fee Annual/Renewal Fee Replacement Charges
Regular Card Rs. 150 Rs. 150 Replacement of a Damaged Card: No charges

Replacement of a Lost Card:  Rs. 200 + applicable taxes
Rupay Premium Rs. 150 Rs. 150
EasyShop Women's Advantage Rs. 150 Rs. 150
EasyShop Titanium Rs. 250 Rs. 250
EasyShop Titanium Royale Rs. 400 Rs. 400
Rewards Card Rs. 500 Rs. 500
EasyShop Platinum Rs. 750 Rs. 750
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
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 for details of the offer

Transactions over and above free limit will be charges as under:
  • Cash withdrawal - Rs. 20 plus taxes per transaction
  • Non-Financial Transaction - Rs. 8.5 plus taxes per transaction
Debit Card - Transaction charge - non HDFC Bank international ATMs Rs. 25 per balance enquiry & Rs. 125 per cash withdrawal (plus taxes and cess)

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
Debit Card 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)
BillPay This service is free w.e.f 1st August'2011
InstaPay Rs. 10 (plus taxes and cess) per transaction
InstaAlert Rs.15 per quarter, effective 1st April 2013 (plus taxes and cess)
Customers who have selected only"Email" as the delivery channel for receiving InstaAlerts will not be charged
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 RTGS - Outward:
Above Rs. 2 Lakh to 5 Lakh - Rs. 25 (exclusive of taxes and cess) per transaction
Above Rs 5 Lakh - Rs. 50 (exclusive of taxes and cess) per transaction
RTGS - Inward NIL
IMPS (Immediate Payment Service) – Outward
Charges effective 15th May 2015
  • Amount upto 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 NIL
NetBanking Free
ECS / ACH (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 re-generation (requests received at the branch for physical dispatch) Rs 50/- per instance
IPIN re-generation (requests received at the branch for physical dispatch) Rs 100/- per instance
Standing Instruction rejects Rs 200/- per instance

*At home branch for account holders (individuals)

Note :

  • Service/Transaction charges will be applied in the current month based on the AMB maintained in the account in the previous month
  • Service/Transaction charges based on non - maintenance of AMB/AQB (as specified above) do not apply to Classic, Preferred, Imperia, Corporate Salary & SuperSaver customers
  • The PhoneBanking charges will apply for transactions that are available on the IVR but are done by customer through the PhoneBanking Executive.
  • All fees and charges, mentioned above will attract Service Tax @14% (w.e.f 1st June 2015) and Swachh Bharat Cess (SBC) @ 0.5% (w.e f. November 15, 2015)

 

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.

Have questions?

Experience seamless investing with a 3 in1 Account. Invest with ease, security and speed. Apply Now.

Close
 
Banner

Home Loan is just a click away! Get instant approval

Apply online

Special offers

    PreviousNext