FEATURES
ELIGIBILITY
FEES & CHARGES
Enclosed below are HDFC Bank Family Savings Group Account fees and charges
| Description of Charges | Family Savings Account | ||||||||||||||||||||
| Minimum Balance (Average Monthly Balance) | Combined Average Monthly Balance (AMB) in all accounts grouped should be Rs. 40,000 Initial pay-in for new accounts: New accounts being opened & grouped, should be opened with an initial pay-in amount equivalent to the AMB of that variant. (eg: Regular Savings Account should be opened with an initial pay-in of Rs.10,000, Senior Citizens Accounts or Kids Accounts should be opened with an initial pay-in of Rs.5,000) | ||||||||||||||||||||
| Charges on non maintenance thereof | *Effective 1st April 2015, the bank will notify the customer in advance clearly by SMS/ email/ letter etc in the first month of non-maintenance In case the minimum balance is not restored in the next month from the month of notice of shortfall, penal charges would be charged for all months including the month of notice until the AMB/ AQB is maintained
*6% of the Maximum Shortfall in the AMB slab or Rs. 600 whichever is lower | ||||||||||||||||||||
| Cheque Book | Free - 25 cheque leaves per half year (1st April - 30th Sep & 1st October - 31st March). Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook. | ||||||||||||||||||||
| PAP Cheque book usage charges | No Charges | ||||||||||||||||||||
| Account Statements - Free | Monthly statements sent by post | ||||||||||||||||||||
| Issue of duplicate / adhoc statements |
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| Passbook issuance* | Free | ||||||||||||||||||||
| Duplicate passbook issuance* | Rs 100/- | ||||||||||||||||||||
| Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations |
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| 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 - On Non HDFC Bank Locations |
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| Cheque Collection - Local Clearing Zone | Free | ||||||||||||||||||||
| Collection of outstation cheques - our bank locations |
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| Collection of outstation cheques - other locations |
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| Cheque return charges drawn on us - Local |
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| 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 (from account opening date) | Upto 14 days - Nil 15 days upto 12 months - Rs 500/- Beyond 12 months - Nil | ||||||||||||||||||||
| Photo Attestation | Rs 100/- per instance | ||||||||||||||||||||
| Address Confirmation | Rs 50/- per instance | ||||||||||||||||||||
| Stop Payment Charges | Particular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking) | ||||||||||||||||||||
| Standing Instructions | Rs. 25 per transcation plus remittance charge ( w.e.f 1st July'13 ) | ||||||||||||||||||||
| Unarranged overdraft | NA | ||||||||||||||||||||
| 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) |
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| Number of Cash transactions(Cumulative of Deposit and Withdrawal) | 4 free cash transactions per month 5th transaction onwards - Rs.150/- per transaction (plus taxes as applicable) would be levied | ||||||||||||||||||||
| Value of Cash transactions(Cumulative of Deposit and Withdrawal) | Home Branch 2 lakh ---Free per month per account. Above 2 lakh---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/-(plus taxes as applicable) Non-Home Branch: Cash transactions value upto Rs.25,000/- per day –No charge Above Rs.25,000/- ---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/- (plus taxes as applicable) | ||||||||||||||||||||
| Third party Cash transaction (Cumulative of Deposit and Withdrawal) | Upto a limit of Rs.25,000/- per day ---Rs.150/- (plus taxes as applicable) Above Rs.25,000/- not allowed For Senior Citizen customers, Kids/Minor Accounts, while the limit of Rs.25000/- per day will be applicable , the accounts will not be charged | ||||||||||||||||||||
| Cash Handling charges | Withdrawn effective 01st March, 2017 | ||||||||||||||||||||
| Local Cheque deposited for outstation accounts | No Charge | ||||||||||||||||||||
| Phonebanking - IVR | Free | ||||||||||||||||||||
| Phonebanking - Non IVR | Free | ||||||||||||||||||||
| ATM Card | Free | ||||||||||||||||||||
| ATM Card - Replacement charges | Rs. 200 (plus taxes as applicable) (w.e.f 1st Dec'14) | ||||||||||||||||||||
| ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank | Balance enquiry - Free Free Cash withdrawal transactions at any other Bank ATM | ||||||||||||||||||||
| ATM Card - Transaction charge for Non-Partner banks | NA | ||||||||||||||||||||
| Debit Card - Annual Fee - Regular | Free for all applicants | ||||||||||||||||||||
| Debit Card - Annual Fee - Women's Card | Rs. 150 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Regular | Free for all applicants | ||||||||||||||||||||
| Debit Card - Renewal Fee - Women's Card | Rs. 150 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Replacement charges | Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 200 (plus taxes as applicable) (for all card types) (w.e.f 1st Dec'14) | ||||||||||||||||||||
| ATM / Debit Card Card - Transaction Charge |
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| Debit Card - Transaction Charge - Non HDFC Bank International ATMs | Rs. 25 per balance enquiry & Rs. 125 per cash withdrawal (plus taxes as applicable) 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 as applicable) | ||||||||||||||||||||
| 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 as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Regular | Rs. 150 per year (plus taxes as applicable) - One add-on card free for the first year | ||||||||||||||||||||
| Add-on Debit Card - Women's Card | Rs. 150 per year (plus taxes as applicable) | ||||||||||||||||||||
| BillPay | Free | ||||||||||||||||||||
| InstaPay | Rs. 10 (plus taxes as applicable) 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 as applicable) per transaction | ||||||||||||||||||||
| NEFT Charges - Inward | NIL | ||||||||||||||||||||
| NEFT Charges- outward (online mode) | Free (effective 1st Nov'17) | ||||||||||||||||||||
| NEFT charges - outward (Branch) |
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| 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 (online mode) | Free (effective 1st Nov'17) | ||||||||||||||||||||
| RTGS - Outward (Branch) |
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| RTGS - Inward | NIL | ||||||||||||||||||||
| IMPS (Immediate Payment Service) – Outward | Charges Effective January 01, 2017
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| IMPS (Immediate Payment Service) - Inward | NIL | ||||||||||||||||||||
| Mobilebanking | Free | ||||||||||||||||||||
| Netbanking | Free | ||||||||||||||||||||
| ECS / ACH (Debit) Return Charges | Rs 500/- + taxes per instance. | ||||||||||||||||||||
| 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 | ||||||||||||||||||||
Click here to view Third Party Cash Transaction charges before March 01 ,2017
*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
