Common Fees and Charges for Savings Account

Description of Charges

Applicable to -
SavingsMax Account / Regular Savings Account / Women’s Savings Account /Super Kids Savings Account / Kids Advantage Account / Senior Citizen’s Account / DigiSave Youth Account / Saving Farmers Account

Issue of duplicate/adhoc statements

• Soft Copy -

  • - Current and previous year statement through NetBanking - No charge

  • - eStatement on registered E-mail ID - No charge

• Physical copy -

  • - Branch - Rs 100/-

  • - PhoneBanking (Non IVR) - Rs.75/-

  • - PhoneBanking (IVR), Net Banking, MobileBanking, & ATM - Rs.50/-

• For Senior Citizen -

  • - Branch - Rs.50/-

  • - PhoneBanking (Non IVR) - Rs.50/-

  • - PhoneBanking (IVR), NetBanking, MobileBanking, & ATM - Rs.30/- (w.e.f 1st July'13)

Passbook issuance*

Free

Duplicate passbook issuance*

Rs 100/-

For Senior Citizens( w.e.f 1st Mar'21 )

Rs 90/-

Managers cheque/demand drafts - Cancellation/revalidation

Rs. 45 (w.e.f. 1^st Aug 2022) and
For Senior Citizens( w.e.f. 1^st Aug 2022 )
Rs. 40               

Demand drafts (issued) - On non-HDFC Bank locations

For Senior Citizens( w.e.f 1st Mar'21 )

Cheque collection - Local clearing zone

Free

Cheque return charges drawn on us - Local

(w.e.f 1st Aug'21)Due to insufficient funds 
Return in a month
1st - Rs.450 (Sr Citizen - Rs 400)
2nd r- Rs.500 (Sr Citizen - Rs 450)
3rd onwards - Rs.550 (Sr Citizen - Rs 500)
Due to funds transfer cheque return 
Rs. 350/- (Sr Citizen - Rs 315)
Due to technical reasons 
Click here to know the technical rejections
Rs. 50/- (Sr Citizen - Rs 45) 

Cheques deposited - Returned Unpaid(Effective 1st Dec'17)

Rs.200/- per instance

Balance enquiry - At branch

Free

Balance Certificate

Free w.e.f. 1^st Aug 2022

Interest Certificate

Free w.e.f. 1^st Aug 2022

TDS Certificate

Free

Account Closure (from account opening date)

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

Free w.e.f. 1^st Aug 2022

Stop payment charges

Particular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)

For Senior Citizens( w.e.f 1st Mar'21 )

Particular cheque - Rs. 90 (free through NetBanking), Range of cheques - Rs. 180 (free through NetBanking)

Old records/copy of paid cheques

Upto 1 year - Rs. 50 per record; above 1 year - Rs. 100 per record ( w.e.f 1st Aug'21 - Rs.80 per record, Senior citizen - Rs.72 per record)

Activation of dormant account

No charges

Local cheque deposited for outstation accounts

No charge

PhoneBanking -IVR

Free

Debit Card (transaction charge) - Non-HDFC Bank international ATMs

Rs. 25 per balance enquiry & Rs. 125 per cash withdrawal

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 

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

BillPay

Free

Visa Money Transfer

Rs. 5  per transaction

NEFT charges - Inward

NIL

NEFT charges - outward (online mode)

Free (effective 1st Nov'17)

NEFT charges - outward (Branch)

• Amounts up to Rs. 1 lac - Rs.2 per transaction 
• Amounts above Rs.1 lac - Rs.10 per transaction 

For Senior Citizens( w.e.f 1st Mar'21 )

• Amounts up to Rs.1 lac - Rs.1.8 per transaction
• Amounts above Rs.1 lac - Rs.9 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 charges - Inward

NIL

RTGS charges- Outward (Online mode)

Free (effective 1st Nov'17)

RTGS charges– Outward (Branch)

Rs. 2 Lac & above - Rs. 15 per transaction

For Senior Citizens( w.e.f 1st Mar'21 )​​​​​​​
Rs. 2 Lac & above - Rs. 13.5 per transaction

IMPS (Immediate Payment Service) – Outward

• Charges with effect from October 01, 2020

• Amount up to Rs 1,000 --- Rs 3.50/- per transaction 
• Amount above Rs 1,000 to Rs 1,00,000 --- Rs 5/- per transaction 
• Amount above Rs 1,00,000 to Rs 2,00,000 --- Rs 15/- per transaction ​​​​​​​

IMPS (Immediate Payment Service) - Inward

NIL

MobileBanking

Free

NetBanking

Free

Any deliverable returned by courier due to negative reasons (no such consignee/consignee shifted and non-existent address)

Rs. 50/- per instance

TIN regeneration (requests received at the branch for a physical dispatch)

Free w.e.f. 1^st Aug 2022

IPIN regeneration (requests received at the branch for a physical dispatch)

Rs 40/- per instance , For Senior Citizen - Rs 36/- per instance(w.e.f 1st Aug'21)

SI rejects

Rs. 200/- per instance

One time Mandate Authorisation Charges per mandate (Physical / Online)

Rs 40/- , For Senior Citizen - Rs 36/- (w.e.f 1st Aug'21) 

Rs. 25 plus taxes per transaction