FEATURES

ELIGIBILITY

FEES & CHARGES


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 - maintainence of AMB (as specified above) do not apply to Preferred , Corporate Salary & SuperSaver customers
  • All fees and charges are exclusive of taxes. The charges mentioned in the tariff will attract Goods & Services Tax as applicable

Enclosed below are HDFC Bank BSBDA Small Account fees and charges

Description of ChargesBSBDA Small Account (Effective 1st Aug'19)
Minimum Average Balance RequirementsNIL
Charges applicable on non-maintenanceNA
Cheque book(w.e.f 1st Aug'21) Free - 25 cheque leaves p.a. 
Addl. chequebook of 25 leaves @ Rs 100/- (Rs.75 for senior citizen)
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), NetBanking, 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/-
Managers cheque/demand drafts - Cancellation/revalidation

Rs. 60
( Nil charges for Managers cheque/demand drafts - Cancellation/revalidation up to Rs.1000/-)( w.e.f 1st Aug'21 )
For Senior Citizens( w.e.f 1st Aug'21 )
Rs. 54 (Nil charges for Mangers cheque/demand drafts- Cancellation / revalidation up to Rs.1000/-)      

Cheque collection - Local clearing zoneFree
Collection of outstation cheques - our bank locations
Charges for cheques drawn on Branch locationsRegular Savings Account
Upto Rs 5,000Rs. 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 aboveRs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locationsRegular Savings Account
Upto Rs. 1,00,000No charges
Rs. 1,00,001 and aboveRs. 140 /- per instrument
Cheques drawn on Speed Clearing Branches - at CTS locationsNo 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 locationsRegular Savings Account
Upto Rs 5,000Rs. 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 aboveRs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locationsRegular Savings Account
Upto Rs. 1,00,000No charges
Rs. 1,00,001 and aboveRs. 140 /- per instrument
Cheques drawn on Speed Clearing Branches - at CTS locationsNo 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

(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 
Rs. 50/- (Sr Citizen - Rs 45) 
(e.g. - Date not mentioned, post-dated, sign mismatch, etc.)
Cheques deposited - Returned Unpaid (Effective 1st Dec'17)Rs.200/- per instance
Balance enquiry - At branchFree
Balance certificate

Current year - Free; previous year - Rs. 100 ( w.e.f 1st Aug'21 )

For Senior Citizens( w.e.f 1st Aug'21 )​​​​​​​
Current year - Free; Previous year - Rs. 90

Interest certificateRs. 50 per instance (w.e.f Aug 01, 2021 -Rs.100 per instance, Senior citizen - Rs.90 per instance
TDS certificateFree
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 attestationRs 100/- per instance ( Nil for Senior Citizens )
( w.e.f 1st July'13 )
Address confirmationRs.100 per instance, Senior citizen - Rs.90 per instance ( w.e.f 1st Aug'21 ) 
Stop payment ( request from customer not to honour cheque issued ) chargesParticular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)
Standing InstructionsRs. 25/- per transaction plus remittance charge ( w.e.f 1st July'13 )
Unarranged overdraftRs. 100 per occasion + 18% interest pa
Old records/copy of paid chequesUpto 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 accountNo charges
Local cheque deposited for outstation accountsNo charge
PhoneBanking – IVR / Non IVRFree
ATM / Rupay Debit cardFree
ATM card - Replacement chargesRs. 200  (w.e.f 1st Dec'14)
Debit Card - Transaction charge - non HDFC Bank international ATMsRs. 20 

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 balanceTransactions 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
BillPayThis service is free w.e.f 1st August'2011
InstaPayRs. 10 per transaction
Visa Money TransferRs. 5 per transaction
NEFT Charges – InwardFree
RTGS - InwardFree
IMPS (Immediate Payment Service) – InwardFree
MobileBankingFree
NetBankingFree
ECS / ACH (Debit) Return ChargesReturn 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)
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 a physical dispatch)Rs 50/- per instance ( w.e.f 1st Aug'21 - Rs.40 per instance, Senior citizen - Rs.36 per instance )
IPIN regeneration (requests received at the branch for a physical dispatch)Rs 100/- per instance ( w.e.f 1st Aug'21 - Rs.40 per instance, Senior citizen - Rs.36 per instance )
Standing Instruction rejectsRs 200/- per instance
One time Mandate Authorisation Charges per mandate (Physical / Online)Rs 100/- ( w.e.f 1st Aug'21 - Rs.40, Senior citizen - Rs.36 )


All type of withdrawals & depositsUnlimited Deposits are free
Maximum 4 free withdrawals per month through any mode (including Cash withdrawal @ Branch / ATM, NEFT, RTGS, IMPS, Clearing, DD/MC issuance etc.)

5th withdrawal onwards, the charge will be applicable as per nature & mode of that particular withdrawal as mentioned below.


Cash withdrawals at Home / Non Home Branch ( self / third party)5th transaction onwards - Rs.150/- per transaction (plus taxes)

Third Party Cash transactions upper limit is Rs.25,000/- per day
Above Rs.25,000 – Not allowed
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 LakhsRs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014)
Third party DD* uptoRs. 1 LakhsRs. 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).
Demand drafts issued - At non HDFC Bank locations
Rs. 50 plus charges as outlined below:
Upto Rs. 500Rs. 10
Above Rs. 500 to Rs. 1000Rs. 15
Above Rs. 1000 to Rs. 5000Rs. 25
Above Rs. 5000 to Rs. 10,000Rs. 30
Above Rs. 10000Rs. 5 per 1000 or part thereof (min Rs 75/- to max Rs 10,000/-)
ATM / Debit Card - Transaction Charge
  • Cash withdrawal - Rs. 20 plus taxes per transaction
  • Non-Financial Transaction - Rs. 8.5 plus taxes per transaction at only Non HDFC Bank ATMs
NEFT charges - outward (Branch)Amounts up to Rs. 1 lac - Rs.2 per transaction
Amounts above Rs.1 lac - Rs.10 per transaction
NEFT Charges for Indo-Nepal transactionsCustomers 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 (Branch)Rs. 2 Lac & above - Rs. 15 per transaction
Signature AttestationRs.100, Senior citizen - Rs.90
SI set on Net BankingDiscontinued
Branch transactionsDiscontinued
InstaAlerts

Click here to know more
Cardless Cash Withdrawal
Rs. 25 plus taxes per transaction