Fees & Charges - Personal
Accounts & Deposits
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- Regular Savings Account
- SavingsMax Account
- Senior Citizens Account
- Savings Farmers Account
- Basic Savings Bank Deposit Account
- Institutional Account
- Kid's Advantage Account
- Demat Account
- Regular Salary Account
- Premium With Platinum Debit Card
- Premium With Millennia Debit Card
- Defense Salary Account
- Reimbursement Current Account
- Max Advantage Current Account
- Ascent Current Account
- Activ Current Account
- Plus Current Account
- Premium Current Account
- Regular Current Account
- StartUp BuildUp Solution for startups
- Saksham Current Account
- Current Account for Professionals
- Agri Current Account
- Institutional Current Account
- Ultima Current Account (Sourcing discontinued eff. 01-08-2019)
- Apex Current Account (Sourcing discontinued eff. 01-08-2019)
- Max Current Account (Sourcing discontinued eff. 01-08-2019)
- Supreme Current Account (Sourcing discontinued eff. 01-08-2019)
- Ezee Current Account (Sourcing discontinued eff. 01-08-2019)
- Trade Current Account (Sourcing discontinued eff. 01-08-2019)
- Flexi Current Account (Sourcing discontinued eff. 31-10-2018)
- Merchant Advantage Current Account (Sourcing discontinued eff. 31-10-2018)
- Merchant Advantage Plus Current Account (Sourcing discontinued eff. 31-10-2018)
- Current Account for Hospitals and Nursing Homes (Sourcing discontinued eff. 31-10-2018)
- Smartup Max, Smart Growth, Smartup Alpha Current Account (Sourcing Discontinued Eff. 28-08-2023)
- Startup Current Account (Sourcing Discontinued Eff. 31-10-2024)
- Women’s Savings Account
- Super Kids Account
- Speciale Senior Citizen
- Digisave Youth
- Specialé Gold and Specialé Platinum
- Speciale Gold Women's Savings Account
- Speciale Activ Account
Regular Savings Account
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Enclosed below are HDFC Bank Basic Savings Bank Deposit Account - Farmers Interest Rates & Charges
Description of Charges
Basic Savings Bank Deposit Account - Farmers
Minimum Balance (Average Monthly Balance)
Nil
Charges on non maintenance thereof
Nil
Initial Pay-in
Nil
Cheque Book
| One 25 Leaves Cheque Book free |
| Extra Cheque Book @ Rs. 5 per leave. |
Account Statements - Free
Quarterly statements sent by post.
Passbook issuance*
Free
Duplicate passbook issuance*
Rs 100/-
Cheque Collection - Local Clearing Zone
Free
Balance Enquiry / Cheque Deposit / Mini Statement transactions on HDFC Bank ATMs
Free
Branch transactions
| Free Cash Deposit at ATM / Branch. |
| Four free cash withdrawal transactions at Branch Additional transactions at Rs 50/- per transaction (plus taxes) |
Phonebanking
Free
Mobilebanking
Free
Netbanking
Free
ATM Card
Free
ATM Card - Replacement charges
Rs. 100 (plus taxes).
*at home branch for account holders (individuals)
Other Charges as per S&F brochure apply.
All fees and charges mentioned above will attract Service Tax as Applicable.
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SavingsMax Account
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Enclosed below are HDFC Bank Basic Savings Bank Deposit Account - Farmers Interest Rates & Charges
Description of Charges
Basic Savings Bank Deposit Account - Farmers
Minimum Balance (Average Monthly Balance)
Nil
Charges on non maintenance thereof
Nil
Initial Pay-in
Nil
Cheque Book
| One 25 Leaves Cheque Book free |
| Extra Cheque Book @ Rs. 5 per leave. |
Account Statements - Free
Quarterly statements sent by post.
Passbook issuance*
Free
Duplicate passbook issuance*
Rs 100/-
Cheque Collection - Local Clearing Zone
Free
Balance Enquiry / Cheque Deposit / Mini Statement transactions on HDFC Bank ATMs
Free
Branch transactions
| Free Cash Deposit at ATM / Branch. |
| Four free cash withdrawal transactions at Branch Additional transactions at Rs 50/- per transaction (plus taxes) |
Phonebanking
Free
Mobilebanking
Free
Netbanking
Free
ATM Card
Free
ATM Card - Replacement charges
Rs. 100 (plus taxes).
*at home branch for account holders (individuals)
Other Charges as per S&F brochure apply.
All fees and charges mentioned above will attract Service Tax as Applicable.
Thanks for your request.
You will receive the download link shortly
Senior Citizens Account
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Enclosed below are HDFC Bank Senior Citizens Account fees and charges
Description of Charges
Senior Citizens Account
Minimum balance (average monthly balance)
Rs. 5,000 (urban/semi-urban)
Charges applicable on non-maintenance
| AMB Slabs | AMB Requirement - Rs 5,000 (for all branches)non maintenance charge |
|---|---|
| >=2,500 - < 5,000 | Rs. 150/- |
| 0 to < 2,500 | Rs. 300/- |
Cheque book
Free - 25 cheque leaves per calendar 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
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 (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. 1 lakh | Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014) |
| Third party DD* upto Rs. 1 lakh | 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 cust id and hence can issue multiple DDs of Rs 1 lakh upto Rs 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. 1,000 to Rs. 5,000 | Rs. 25 |
| Above Rs. 5,000 to Rs. 10,000 | Rs. 30 |
| Above Rs. 10000 | Rs. 5 per 1,000 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 | Senior citizens account |
| Upto Rs 5,000 | Rs. 20/- |
| Rs. 5,001/- to Rs. 10,000/- | Rs. 40/- |
| 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 | Senior Citizens 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 | Senior Citizens Account |
| Upto Rs 5,000 | Rs. 20/- |
| Rs. 5,001/- to Rs. 10,000/- | Rs. 40/- |
| 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 | Senior Citizens 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 80/- per instance would be levied for senior citizens
Cheques deposited - Outward
| Rs. 50 |
| Rs. 100 on non-maintenance of min balance |
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/- ( 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 charges
Particular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)
Standing instructions
Rs. 25 per transcation plus remittanceremittance are also different. 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)
- 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 )
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 - 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. |
| Debit Card Charges | |||
|---|---|---|---|
| All fees will attract Service Tax & plus taxes as applicable | |||
| Debit Card Variant | PRIMARY A/C HOLDER | Card Replacement Charges | |
| Issuance Fee | Annual/Renewal Fee | ||
| Easy Shop Internatioal Card | Free | Free | Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16) |
| Rupay Premium | Rs. 200 (w.e.f 1st Mar'18) | Rs. 200 (w.e.f 1st Mar'18) | |
| EasyShop Women's Advantage | Rs. 200 (w.e.f 1st Mar'18) | Rs. 200 (w.e.f 1st Mar'18) | |
| EasyShop Titanium | Rs. 250 | Rs. 250 | |
| EasyShop Titanium Royale | Rs. 400 | Rs. 400 | |
| Rewards Card | Free | Free | |
| EasyShop Platinum | Rs. 750 | Rs. 750 | |
| All fees will attract Service Tax & plus taxes as applicable | |||
| Debit Card Variant | SECONDARY A/C HOLDER | Card Replacement Charges | |
| Issuance Fee | Annual/Renewal Fee | ||
| Easy Shop Internatioal Card | Rs. 150 | Rs. 150 | Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16) 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 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
This service is free w.e.f 1st August'2011
InstaPay
Rs. 10 (plus taxes as applicable) per transaction
InstaAlert
Free
Visa Money Transfer
Rs. 5 (plus taxes as applicable) per transaction
NEFT Charges - Inward
NIL
NEFT Charges- outward
- Amounts up to Rs. 10,000 - Rs.2.5 (plus taxes as applicable) per transaction
- Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (plus taxes as applicable) per transaction
- Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (plus taxes as applicable) per transaction
- Amounts above Rs.2 lakh – Rs.25 (plus taxes as applicable) 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
- Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (plus taxes as applicable) per transaction
- Above Rs 5 Lakhs - Rs. 50 (plus taxes as applicable) per transaction
RTGS - Inward
NIL
IMPS (Immediate Payment Service) – Outward
Charges Effective January 01, 2017
- Amount upto Rs 1 to Rs 1,00,000 ----Rs.5/- (plus taxes as applicable) per transaction
- Amount above Rs 1,00,001 to Rs 2,00,000 ----Rs.15/- (plus taxes as applicable) 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 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
Standing Instruction rejects
Rs 200/- per instance
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Savings Farmers Account
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Description of Charges
Basic Savings Bank Deposit Account - Farmers
Minimum Balance (Average Monthly Balance)
Nil
Charges on non maintenance thereof
Nil
Initial Pay-in
Nil
Cheque Book
| One 25 Leaves Cheque Book Free | ||||
|---|---|---|---|---|
| Extra Cheque Book @ Rs 5 per leave | ||||
Account Statements - Free
Quarterly statements sent by post.
Passbook issuance*
Free
Duplicate passbook issuance*
Rs 100
Cheque Collection - Local Clearing Zone
Free
Balance Enquiry / Cheque Deposit / Mini Statement
Free
Cheque Collection - Local Clearing Zone
Free
Thanks for your request.
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Basic Savings Bank Deposit Account
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Enclosed below are HDFC Bank Basic Savings Bank Deposit Account fees and charges:
Description of Charges
Basic Savings Bank Deposit Account
Minimum Balance (Average Monthly Balance)
ZERO
Charges on non maintenance thereof
NA
Cheque Book
Free with instant kit
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 - On HDFC Bank Locations
| DD/MC Issuance Charges Through Branch | ||||
|---|---|---|---|---|
| Upto Rs. 10,000 - Rs. 50/- | Above Rs.10,000- Rs.5 per 1000 (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. 1 Lakh | Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014) |
| Third party DD* upto Rs. 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 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 10 lacs 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 - On 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. 5 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 | Basic Savings Bank Deposit 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 | Basic Savings Bank Deposit 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 | Basic Savings Bank Deposit 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 | Basic Savings Bank Deposit 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 |
| Due to technical reasons - Rs. 50/- per instance. |
Cheques deposited returned unpaid
Charge of Rs 100/- per instance.
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/- ( 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 Charges
Particular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)
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
Number of Cash transactions(Cumulative of Deposit and Withdrawal)
Cash Deposit :- Unlimited Free
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
Rupay Card
Free
ATM / Debit Card - Transaction Charge
| HDFC BANK ATMs | Other Bank ATMs |
| First 5 Transactions Free across all Cities | First 5 Transactions Free across all Cities |
| Please check with your respective corporate for details of the offer Transactions over and above free limit will be charges as under:
| |
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)
Add-on Debit Card - Women's Card
Rs. 150 per year (plus taxes as applicable)
BillPay
This service is free w.e.f 1st August'2011
InstaPay
Rs. 10 (plus taxes as applicable) per transaction
Visa Money Transfer
Rs. 5 (plus taxes as applicable) per transaction
NEFT Charges - Inward
NIL
NEFT Charges- outward
- Amounts up to Rs. 10,000 - Rs.2.5 (plus taxes as applicable) per transaction
- Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (plus taxes as applicable) per transaction
- Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (plus taxes as applicable) per transaction
- Amounts above Rs.2 lakh – Rs.25 (plus taxes as applicable) 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
- Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (plus taxes as applicable) per transaction
- Above Rs 5 Lakhs - Rs. 50 (plus taxes as applicable) per transaction
RTGS - Inward
NIL
IMPS (Immediate Payment Service) – Outward
Charges Effective January 01, 2017
- Amount upto Rs 1 to Rs 1,00,000 ----Rs.5/- (plus taxes as applicable) per transaction
- Amount above Rs 1,00,001 to Rs 2,00,000 ----Rs.15/- (plus taxes as applicable) per transaction
IMPS (Immediate Payment Service) - Inward
NIL
Mobilebanking
Free
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 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
Click here to view Third Party Cash Transaction charges before March 01 ,2017
Click here to view charges applicable before 1st January 2012
*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
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Institutional Account
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Enclosed below are HDFC Bank Institutional Savings Account fees and charges
Description of Charges
Institutional Savings Account
Minimum Balance (Average Monthly Balance)
Zero
Charges on non maintenance thereof
NIL
Cheque Book
Free
Account Statements - Free
Monthly statements sent by post
Issue of duplicate / adhoc statements
Branch - Rs 100/-
PhoneBanking ( Non IVR) - Rs.75/-
NetBanking, Mobile Banking, PhoneBanking - IVR & ATM - Rs 50/-
Hold Statement
Rs. 400 per year
Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations
| DD/MC Issuance Charges Through Branch | ||||
|---|---|---|---|---|
| Amount Slab | ||||
| Managed | Non Managed | |||
| Classic | Preferred | Imperia | ||
| 0-10000 | NIL | NIL | NIL | 50 |
| >10K-50000 | NIL | NIL | NIL | Rs.3/- per 1000 or part thereof (min Rs 75/- & max Rs. 10K) |
| >50K - 100000 | NIL | NIL | NIL | |
| >100000 | Rs.3/- per 1000 or part thereof (min Rs 75/- & max Rs. 10K) | Rs.3/- per 1000 or part thereof (min Rs 75/- & max Rs. 10K) | NIL | |
| Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at PhoneBanking | |
| DD request through NetBanking Free + Corr Bank charges if applicable Third party DD* upto Rs. 1 Lakhs - Free + Corr Bank charges if applicable | |
| (*Third Party Registration required .Customers registered for Third Party Transfers have a maximum limit of 10 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 10 lacs and send it to the beneficiary address ** Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking ) |
Managers Cheque/Demand Drafts - Cancellation / Revalidation
Nil
Demand Drafts- Issued - On 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
Free
Collection of outstation cheques - other locations
| Charges for cheques drawn on Non-Branch locations | Trust Account |
| Upto Rs 10,000 | Rs. 25/- |
| Rs. 10,000/- to Rs. 1,00,000/- | Rs. 100/- |
| Rs. 1,00,001/- and above | Rs. 150/- |
| Cheques drawn on Speed clearing branches - Free | |
Cheque return charges drawn on us - Local
| For the first instance in a quarter - Rs.350/- Charges due to funds transfer cheque return - Rs. 350/- 2nd instance & above in the same quarter - Rs.750/- |
| Due to Technical reasons ( eg - date not mentioned, post dated, sign mismatch etc) - Rs. 50/- per instance. |
Cheques deposited returned unpaid
Rs. 100/-
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 6 months - Rs 500/-
6 months upto 12 months - Rs 500/-
Beyond 12 months - Nil
Photo Attestation
Rs 100/- per instance
Signature Attestation
Nil
Address Confirmation
Rs 50/- per instance
Stop Payment Charges
Particular Cheque - Rs. 50 (Free through PhoneBanking & NetBanking),
Range of Cheques - Rs. 100 (Free through PhoneBanking & NetBanking)
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)
Free
Interbranch transactions ( transaction at non account branch ) through teller counters - Funds Transfer
Free
Interbranch transactions ( transaction at non account branch ) through teller counters - Cash transactions.
Cash deposit value upto Rs. 50,000/- per day - No charge
Cash Withdrawal value upto Rs. 50,000/- per day- No charge
Above Rs. 50,000/- charge of Rs.5/- per Rs. 1,000/- on the full amount
W.e.f 1 June 2015 the above charge is being revised as follows:
Cash transactions Upto Rs. 5 lac free
Above Rs. 5 lac a charge of Rs. 5/- per 1,000/- will be levied on the full amount
Third party cash transactions at non-home branches through teller counters
Upto Rs. 5 lac free
Above Rs. 5 lac a charge of Rs. 5/- per 1,000/- will be levied on the full amount
Local Cheque deposited for outstation accounts
No Charge
InstaPay
Rs. 10 (plus taxes) per transaction
InstaAlert
Rs. 25 (plus taxes) per qtr per account
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
- Rs. 1 lakh to 2 Lakhs - Free
- Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (exclusive of taxes) per transaction
- Above Rs 5 Lakhs - Rs. 50 (exclusive of taxes) per transaction
RTGS - Inward
NIL
MobileBanking
NIL
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/IPIN Regeneration (requests received at the branch for physical dispatch)
Rs 50/- per instance
Standing Instructions rejects
Rs 200/- per instance
Click here to view charges applicable before 1st January 2012
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.
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Kid's Advantage Account
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Enclosed below are HDFC Bank Kids Advantage Account fees and charges
There are certain fees and charges to a Kid’s Advantage account depending on your requirement:
Description of Charges
Kid's Advantage Account
Minimum Balance (Average Monthly Balance)
Rs. 5,000/- in Kid's Advantage savings account
Charges applicable on non-maintenance
| AMB Slabs | AMB Requirement - Rs 5,000 (for all branches)non maintenance charge |
|---|---|
| >=2,500 - < 5,000 | Rs. 150/- |
| 0 to < 2,500 | Rs. 300/- |
Cheque Book
Free - 25 cheque leaves half year (1st April - 30th Sep & 1st October - 31st March). 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 - On HDFC Bank Locations
| DD/MC Issuance Charges Through Branch | |
|---|---|
| Upto Rs. 10,000 - Rs. 50/- | Above Rs.10,000- Rs.5 per 1000 (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. 1 Lakh | Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014) |
| Third party DD* upto Rs. 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 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 10 lacs 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 - On 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 | Kid's Advantage 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 | Kid's Advantage 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 | Kid's Advantage 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 | Kid's Advantage 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 - outward
Rs. 50
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/- ( 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
Address Confirmation
Rs 50/- per instance
Stop Payment Charges
Particular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)
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)
- 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 )
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 - 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 as applicable) (w.e.f 1st Dec'14)
Kid's Advantage Debit Card - Issuance /Annual Fee
150
Kid's Advantage Debit Card - Renewal Fee
150
Debit Card - Replacement charges
Replacement/Reissuance Charges for Kids Debit Cards - Rs. 200 + applicable taxes (for all card types) (w.e.f 1st Dec'14)
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:
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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)
BillPay
This service is free w.e.f 1st August'2011
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
- Amounts up to Rs. 10,000 - Rs.2.5 (plus taxes as applicable) per transaction
- Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (plus taxes as applicable) per transaction
- Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (plus taxes as applicable) per transaction
- Amounts above Rs.2 lakh – Rs.25 (plus taxes as applicable) 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
- Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (plus taxes as applicable) per transaction
- Above Rs 5 Lakhs - Rs. 50 (plus taxes as applicable) per transaction
RTGS - Inward
NIL
IMPS (Immediate Payment Service) – Outward
Charges Effective January 01, 2017
- Amount upto Rs 1 to Rs 1,00,000 ----Rs.5/- (plus taxes as applicable) per transaction
- Amount above Rs 1,00,001 to Rs 2,00,000 ----Rs.15/- (plus taxes as applicable) per transaction
IMPS (Immediate Payment Service) - Inward
NIL
Mobilebanking
Free
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.
Passbook facility available at home branch for account holders (individuals)
Free
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
Standing Instruction 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
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Demat Account
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| 1. | I agree to abide by the Bank's Terms and Conditions and rules in force and the changes thereto in Terms and Conditions from time to time relating to my account as communicated and made available on the Bank's website. |
| 2. | I agree that the opening and maintenance of the account is subject to rules and regulations introduced or amended from time to time by the Reserve Bank of India. |
| 3. | I agree that the bank before opening any deposit account, will carry out a due diligence as required under Know Your Customer guidelines of the bank. I would be required to submit necessary documents or proofs, such as identity , address, photograph and any such information to meet with KYC, AML or other statutory/regulatory requirements. Further, after the account is opened, in compliance with the extant regulatory guidelines, I agree to submit the above documents again at periodic intervals, as may be required by the Bank. |
| 4. | I agree that the Bank may, at its discretion, engage the services of Business Facilitators (hereinafter referred to as "BF") and Business Correspondents (hereinafter referred to as "BC") for extension of banking and financial services so as to ensure greater financial inclusion and increasing the outreach of the banking sector. The Bank, however, shall be responsible for the acts and omission of such BC and BF. |
| 5. | I agree that, under normal circumstances, the bank has the liberty to close my account at any time by giving me at least 30 days notice. However, if the Average Monthly/ Quarterly Balance, is not maintained, the Bank reserves the right to close my account without giving any prior notice. |
| 6. | I agree that the Bank can at its sole discretion, amend any of the services/facilities given in my account either wholly or partially at any time by giving me at least 30 days notice and/or provide an option to me to switch to other services/facilities. |
| 7. | I agree that any change in my account status or change of address will be immediately informed to the Bank failing which I shall be responsible for any non-receipt of communication/deliverables or the same being delivered at my old address. |
| 8. | I agree that all instructions relating to my account will be issued to the Bank as per acceptable mode of communication to the Bank. |
| 9. | I agree to preserve my cheque book/ATM Card carefully. In case of loss/theft of the same I shall immediately inform the Bank in writing. |
| 10. | I agree that I will maintain the minimum balance in my account as prescribed by the Bank from time to time. |
| 11. | I agree that I shall be liable to pay all charges, fees, interest, costs wherever applicable, which the Bank may levy with respect to my account or any transaction or services rendered and the same may be recovered by the Bank by a debit to my account. I agree and acknowledge that in case of non-availability of adequate funds the charges will be debited to the account over a period of time till the entire amount is recovered. |
| 12. | The Bank reserves the right to refuse Chequebooks, Adhoc Statements, PhoneBanking TINs, NetBanking IPINs, Debit/ATM Cards & PINs to the customer, in case the Average Monthly/ Quarterly Balance in the account is not maintained. |
| 13. | I agree that I shall not pay any amount in cash to any Sales Representative of the Bank at the time of opening an account or carrying out any transaction in the normal course of the business. I agree to deposit cash only at the Bank's teller counters at the branch premises. |
| 14. | I agree to execute necessary writings in the form and manner as may be required by the Bank in order to execute my Fax instructions to the Bank. |
| 15. | I agree that the Bank will send me communications/letters etc. through courier/messenger/mail or through any other mode at its discretion and the Bank shall not be liable for any delay arising there from. |
| 16. | I agree and acknowledge that in the absence of my specific instructions to personally collect from the Branch, the cheque books, PhoneBanking TINs, NetBanking IPINs, Debit/ATM Cards & PINs will be dispatched by courier/messenger/mail or through any other mode by the Bank at its discretion to the address notified by me for correspondence. |
| 17. | I agree that the Bank will, unless requested by me in writing to the contrary, issue cheque book on the opening of my account. Further issue of cheque books will be only against written requisition by me or through ATM, PhoneBanking or NetBanking. |
| 18. | I agree that an account may be opened on behalf of a Minor by his natural guardian or by a guardian appointed by a court of Competent Jurisdiction. The guardian shall represent the Minor in all transactions of any description in the above account until the said Minor attains majority. Upon the Minor attaining majority, the right of the guardian to operate the account shall cease. The guardian agrees to indemnify the Bank against the claim of above Minor for any withdrawal/transactions made by him in the Minor's account. |
| 19. | I agree and undertake to ensure that there would be sufficient funds/cleared balance/pre-arranged credit facilities in my account for effecting transactions. I agree that the Bank shall not be liable for any consequences arising out of non-compliance by the Bank of my instructions due to inadequacy of funds and the Bank can at its sole discretion decide to carry out the instructions not withstanding the inadequacy of funds without prior approval from or notice to me and I shall be liable to repay with interest the resulting advance, overdraft or credit thereby created and all related charges arising thereby at prime lending rate applicable from time to time. I agree that frequent dishonor of cheques or high value cheque returns due to insufficient funds may lead to discontinuation of cheque books / closure of bank account. |
| 20. | I agree that in the event of an account being overdrawn, the Bank reserves the right to set off this amount against any credit lying in any of my accounts. |
| 21. | I agree that the transactions conducted by me at the BC counters shall be reflected in the bank’s books latest by the next working day. |
| 22. | I agree that the Bank shall not be liable for any damages, losses (direct or indirect) whatsoever, due to disruption or non availability of any of services/facilities due to technical fault/error or any failure in telecommunication network or any error in any software or hardware systems beyond the control of the Bank. |
| 23. | I agree that the Bank may disclose, in strict confidence, to other institutions, such Personal Information as may be reasonably necessary for reasons inclusive of:
|
| 24. | I give consent to the Bank to disclose information provided in the account opening form for the purpose of cross selling by HBL Global Ltd and any other marketing agent/s and/or contractors with whom the Bank enters, or has entered into any arrangement, in connection with providing of services/products, including without limitation, cross selling of various financial products. The Bank will have to always check before any cross-sell attempt whether or not I have registered for ‘Do Not Call’ facility. |
| 25. | Disclosure of Information to CIBIL: I understand that as a pre-condition, relating to grant of the loans/ advances/ other fund-based and non-fund-based credit facilities to me, the Bank, requires my consent for the disclosure by the Bank of information and data relating to me, of the credit facility availed of/to be availed, by me, obligations assumed/ to be assumed, by me, in relation thereto and default, if any, committed by me, in discharge thereof. Accordingly, I, hereby agree and give consent for the disclosure by the Bank of all or any such,
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| 26. | Force Majeure: The Bank shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the Bank to perform any of its obligations under these Terms and Conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure event continues. "Force Majeure Event" means any event due to any cause beyond the reasonable control of the Bank, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc. |
| 27. | Indemnity: I agree that I shall indemnify and hold the Bank harmless against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or by reason of or arising out of providing any of the services or due to any negligence/mistake/misconduct on my part or breach or non-compliance by me of any of the Terms and Conditions relating to any of the services or by reason of the Bank in good faith taking or refusing to take action on any instruction given by me. |
| 28. | Right of Lien/Set off: I hereby grant and confirm the existence of the right of lien and set-off with the Bank, which the Bank may at any time without prejudice to any of its specific rights under any other agreements with me, at its sole discretion and without notice to me utilize to appropriate any moneys belonging to me and lying/deposited with the Bank or due by the Bank to me, towards any of the Bank’s dues and outstandings under or in respect of a loan facility, including any charges/fees/dues payable under these Terms and Conditions. |
| 29. | Miscellaneous: Failure to enforce any rights conferred by these Terms and Conditions or any law shall not be deemed to be a waiver of any such rights or operate so as to the exercise or enforcement thereof at any subsequent time. |
| 30. | Governing Law: All claims, matters and disputes are subject to the exclusive jurisdiction of the competent courts in Mumbai only. These Terms and Conditions and/or the operations in the accounts of the customer maintained by the Bank and/or the use of the services provided by the Bank shall be governed by the laws of the Republic of India and no other nation. The customer and the Bank agree to submit to the exclusive Jurisdiction of the Courts located in Mumbai, India as regards any claims or matters arising under these Terms and Conditions.The Bank accepts no liability whatsoever, direct or indirect, for non-compliance with the laws of any country other than the Republic of India. |
| 31. | Should I have any complaint relating to the features of any of the products/services of the Bank that I hold/avail of, I am aware that I can approach the Grievance Redressal Cell within the Bank at ![grievance[dot]redressal[at]hdfcbank[dot]com](https://www.hdfcbank.com/assets/images/grievan.gif) for a resolution and if I do not get a satisfactory response within 30 days of lodging the complaint, then, under the Banking Ombudsman Scheme 2006,I can approach the Ombudsman appointed by the Reserve Bank of India, in charge of the region where I hold my account, details of which are available at www.bankingombudsman.rbi.org.in |
| 32. | In case there are no transactions initiated by me / us in the account for a continuous period of two years for Savings Account and Current Account (excludes system generated transactions like credit interest,debit interest), I / We agree that the account would be treated as a 'Dormant' Account by the Bank. I/We agree that the account status would change to 'Active' only on my/our ( all joint holders) written instruction in this regard and by initiating a transaction by me / us at the home branch. I/We understand that until the account status is 'Dormant', transactions through Direct Banking Channels like ATM, Net Banking, Phone-banking may not be allowed by the Bank. |
| 33. | I/We agree that, in case I/we have issued single cheque/instruction, for debit to my/our account, for issuing more than one Demand Draft/Pay-order, then the same will reflect as multiple debit entries in my/our account |
| 34. | Bank shall be entitled at its discretion to engage/avail of, at the risk and cost of the customer, services of any person/third party service provider/agent/agency, for anything required to be done for/in relation to/pursuant to any of the products/services offered, including collections, recovery of dues, enforcement of security, getting or verifying any information of the customer/assets, and any necessary or incidental lawful acts/deeds/matters and things connected thereto, as the Bank may deem fit. |
| 35. | The Bank shall have the right to not return the application, the photographs, information and documents submitted by the customer. The Bank shall, without notice to or without any consent of the customer, be absolutely entitled and have full right, power and authority to make disclosure of any information relating to customer including personal information, details in relation to documents, products/services offered, defaults, security, obligations of customer, to the Credit Information Bureau of India (CIBIL) and/or any other governmental/regulatory/statutory or private agency/entity, credit bureau, RBI, the Bank�s other branches/subsidiaries/affiliates/rating agencies, service providers, other banks/financial institutions, any third parties, any assignees/potential assignees of transferees, who may need the information and may process the information, publish in such manner and through such medium as may be deemed necessary by the publisher/Bank/RBI, including publishing the name as part of willful defaulter�s list from time to time, as also use for KYC information verification, credit risk analysis, or for other related purposes. In this connection, the customer waives the privilege of privacy and privacy of contract. The Bank shall have the right, without notice to or without any consent of the customer, to approach, make enquiries, obtain information, from any person including other banks/finance entities/credit bureaus, customer�s employer/family members, any other person related to the customer, to obtain any information for assessing track record, credit risk, or for establishing contact with the customer or for the purpose of recovery of dues from the customer. |
| 36. | In case any personal information or sensitive information is collected by the Bank, the same shall be dealt with in accordance with the privacy policy of the Bank which is available on the website of the Bank at www.hdfcbank.com. |
| 37. | Bank reserves the right to record telephonic conversations with customers for quality control purposes. |
| 38. | Notwithstanding the documentation and account opening form provided, the bank reserves the right to accept / reject your application. The Bank's decision in this regard would be final. |
| 39. | Any loans/facilities, other banking products, may be made available through the internet banking platform or any similar platform of the Bank (platforms through which the customer/borrower can access/monitor the account by use of the customer/log-in id and password) and the Bank may use such platform for providing the customers/borrowers the facility to complete online application as well as enter into/make the loan documents online. Every usage and operation of the internet banking or any such other platform using such customer id and password, including in cases of online loan processes from time to time, should be deemed to be usage and operation personally by the customer/borrower himself and in physically and mentally stable state nothwithstanding any loss, theft, hacking etc. of the password; and that the Bank shall not be required to check the identity of the person operating the internet banking account at any point of time or his mental or physical stability. |
| 40. | By submitting aadhaar details for linkage to bank accounts,customer agrees to the following terms and conditions:- I hereby submit my Aadhaar number ,as issued by Government of India ; to HDFC Bank and voluntarily give my consent to link it to all my accounts / relationships (existing and new) maintained with HDFC Bank in my individual capacity and / or as an authorized signatory. I authorise HDFC Bank to map my Aadhaar number at NPCI to enable me to receive Direct Benefit Transfer (DBT) from Government of India in the specified Savings account. I understand that if more than one Benefit transfer is due to me, I will receive all Benefit Transfers in this account. I, holder of the stated Aadhaar number, hereby voluntarily give my consent to HDFC Bank to obtain and use my Aadhaar number, Name and Fingerprint/Iris and my Aadhaar details to authenticate me with UIDAI as per Aadhaar Act, 2016 and all other applicable laws. HDFC Bank has informed me that my Aadhaar details and identity information would only be used for demographic authentication, validation, e-KYC purpose, OTP authentication including; for availing banking services, operation of my accounts / relationships and for delivery of subsidies, benefits and services and / or any other facility relating to banking operations. HDFC Bank has informed that my biometrics will not be stored / shared and; will be submitted to Central Identities Data Repository (CIDR) only for the purpose of authentication. I have been given to understand that my information submitted to the bank herewith shall not be used for any purpose other than mentioned above. I also authorize HDFC Bank to link & authenticate my Aadhaar number to all my accounts / relationships with the Bank ,both existing and as may be opened in future. I will not hold HDFC Bank or any of its officials responsible in case of any incorrect information provided by me. |
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Classic Salary Account
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Enclosed below are HDFC Bank Classic Salary Account fees and charges
| Description of Charges | Classic Salary Account | ||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Balance (Average Monthly Balance) | NIL | ||||||||||||||||||||
| Charges on non maintenance thereof | NIL | ||||||||||||||||||||
| PAP Cheque book | Free 25 cheque leaves per year (Financial year) Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook | ||||||||||||||||||||
| PAP Cheque book usage charges | No Charges | ||||||||||||||||||||
| Issue of duplicate / adhoc statements |
| ||||||||||||||||||||
| Hold Statement | Rs. 400 per year | ||||||||||||||||||||
| Passbook issuance* | Free | ||||||||||||||||||||
| Duplicate passbook issuance* | Rs 100/- | ||||||||||||||||||||
| Managers Cheques / Demand Drafts - Issuance / Re-issuance - On HDFC Bank Locations |
| ||||||||||||||||||||
| Managers Cheque/Demand Drafts - Cancellation / Revalidation | Rs 100/- (Nil cancellation / revalidation charges for Managers Cheque / DD value upto Rs.1000/-) | ||||||||||||||||||||
| Demand Drafts- Issued - On Non HDFC Bank Locations |
| ||||||||||||||||||||
| Cheque Collection - Local Clearing Zone | Free | ||||||||||||||||||||
| Collection of outstation cheques - our bank locations |
| ||||||||||||||||||||
| Collection of outstation cheques - other locations |
| ||||||||||||||||||||
| Cheque return charges drawn on us - Local |
| ||||||||||||||||||||
| Cheques deposited returned unpaid | Charge of Rs 200/- 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 - No Charge 15 days upto 12 months - Rs 500/- Beyond 12 months - No Charge | ||||||||||||||||||||
| Photo Attestation | Rs 100/- per instance NIL (For Senior Citzens) | ||||||||||||||||||||
| Signature Attestation | NIL | ||||||||||||||||||||
| Address Confirmation | Rs 50/- per instance | ||||||||||||||||||||
| Stop Payment Charges |
Particular cheque - Rs. 100/- | ||||||||||||||||||||
| Standing Instructions | Setting up Charges - NIL Rs. 25 per transaction plus remittance charge | ||||||||||||||||||||
| Unarranged overdraft | Rs 100 per Occasion + 18% Interest p.a | ||||||||||||||||||||
| 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 is equal to or above Rs 50,000/- 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 from the 16th transaction onwards | ||||||||||||||||||||
| 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 | Free | ||||||||||||||||||||
| Phonebanking - IVR | Free | ||||||||||||||||||||
| Phonebanking - Non IVR | Free | ||||||||||||||||||||
| ATM Card | Free | ||||||||||||||||||||
| ATM Card - Replacement charges | Rs. 200 (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Regular / Rewards | Free | ||||||||||||||||||||
| Debit Card - Annual Fee - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Gold / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Women's Card | Free | ||||||||||||||||||||
| Debit Card - Renewal Fee - Regular / Rewards | Free | ||||||||||||||||||||
| Debit Card - Renewal Fee - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Gold / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Women's Card | Free | ||||||||||||||||||||
| 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) | ||||||||||||||||||||
| ATM / Debit Card Card - Transaction Charge |
| ||||||||||||||||||||
| Debit Card - Transaction Charge - Non HDFC Bank International ATMs | Rs. 25 per balance enquiry & Rs. 125 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 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) | ||||||||||||||||||||
| Add-on Debit Card - Rewards |
Rs. 500 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Gold Card / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Women's Card |
Rs. 150 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| BillPay | Free | ||||||||||||||||||||
| InstaPay | Rs. 10 (plus taxes as applicable) per transaction | ||||||||||||||||||||
| InstaAlert | Email - Free SMS - Rs. 15/- per quarter | ||||||||||||||||||||
| Visa Money Transfer | Rs. 5 (plus taxes as applicable) per transaction | ||||||||||||||||||||
| NEFT Charges - Inward | NIL | ||||||||||||||||||||
| NEFT Charges- outward |
| ||||||||||||||||||||
| 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 - Inward | NIL | ||||||||||||||||||||
| IMPS (Immediate Payment Service) - Outward |
| ||||||||||||||||||||
| 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 | ||||||||||||||||||||
*at home branch for account holders (individuals)
All fees and charges,mentioned in the tariff of charges,will attract Goods & Services Tax as applicable.
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Regular Salary Account
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Enclosed below are HDFC Bank Regular Salary Account fees and charges
| Description of Charges | Regular Salary Account | ||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Balance (Average Monthly Balance) | NIL | ||||||||||||||||||||
| Charges on non maintenance thereof | NIL | ||||||||||||||||||||
| PAP Cheque book | Free 25 cheque leaves per year (Financial year) Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook | ||||||||||||||||||||
| PAP Cheque book usage charges | No Charges | ||||||||||||||||||||
| Issue of duplicate / adhoc statements |
| ||||||||||||||||||||
| Hold Statement | Rs. 400 per year | ||||||||||||||||||||
| Passbook issuance* | Free | ||||||||||||||||||||
| Duplicate passbook issuance* | Rs 100/- | ||||||||||||||||||||
| Managers Cheques / Demand Drafts - Issuance / Re-issuance - On HDFC Bank Locations |
| ||||||||||||||||||||
| Managers Cheque/Demand Drafts - Cancellation / Revalidation | Rs. 100 (Nil cancellation / revalidation charges for Managers Cheque / DD value upto Rs.1000/-) | ||||||||||||||||||||
| Demand Drafts- Issued - On Non HDFC Bank Locations |
| ||||||||||||||||||||
| Cheque Collection - Local Clearing Zone | Free | ||||||||||||||||||||
| Collection of outstation cheques - our bank locations |
| ||||||||||||||||||||
| Collection of outstation cheques - other locations |
| ||||||||||||||||||||
| Cheque return charges drawn on us - Local |
| ||||||||||||||||||||
| Cheques deposited returned unpaid | Charge of Rs 200/- 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 - No Charge 15 days upto 12 months - Rs 500/- Beyond 12 months - No Charge | ||||||||||||||||||||
| Photo Attestation | Rs 100/- per instance NIL (For Senior Citzens) | ||||||||||||||||||||
| Signature Attestation | NIL | ||||||||||||||||||||
| Address Confirmation | Rs 50/- per instance | ||||||||||||||||||||
| Stop Payment Charges | Particular cheque - Rs.100/- Range of cheques - Rs.200/- Free through NetBanking | ||||||||||||||||||||
| Standing Instructions | Setting up Charges - NIL Rs. 25 per transaction plus remittance charge | ||||||||||||||||||||
| Unarranged overdraft | Rs 100 per Occasion + 18% Interest p.a | ||||||||||||||||||||
| 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 is equal to or above Rs 50,000/- 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 from the 16th transaction onwards | ||||||||||||||||||||
| 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 | Free | ||||||||||||||||||||
| Phonebanking - IVR | Free | ||||||||||||||||||||
| Phonebanking - Non IVR | Free | ||||||||||||||||||||
| ATM Card | Free | ||||||||||||||||||||
| ATM Card - Replacement charges | Rs. 200 (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Regular / Rewards | Free | ||||||||||||||||||||
| Debit Card - Annual Fee - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Gold / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Women's Card | Free | ||||||||||||||||||||
| Debit Card - Renewal Fee - Regular / Rewards | Free | ||||||||||||||||||||
| Debit Card - Renewal Fee - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Gold / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Women's Card | Free | ||||||||||||||||||||
| 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) | ||||||||||||||||||||
| ATM / Debit Card Card - Transaction Charge |
| ||||||||||||||||||||
| 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 - Rewards |
Rs 500 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Gold Card / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Women's Card |
Rs 150 per year (plus taxes as applicable)-One Add-on card free for the first year | ||||||||||||||||||||
| Add-on Debit Card - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| BillPay | Free | ||||||||||||||||||||
| InstaPay | Rs. 10 (plus taxes as applicable) per transaction | ||||||||||||||||||||
| InstaAlert | Email - Free SMS - Rs. 15/- per quarter | ||||||||||||||||||||
| Visa Money Transfer | Rs. 5 (plus taxes as applicable) per transaction | ||||||||||||||||||||
| NEFT Charges - Inward | NIL | ||||||||||||||||||||
| NEFT Charges- outward |
| ||||||||||||||||||||
| 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 - Inward | NIL | ||||||||||||||||||||
| IMPS (Immediate Payment Service) - Outward |
| ||||||||||||||||||||
| 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 | ||||||||||||||||||||
*at home branch for account holders (individuals)
All fees and charges,mentioned in the tariff of charges,will attract Goods & Services Tax as applicable.
Thanks for your request.
You will receive the download link shortly
Premium Salary Account
-
Download
-
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Enclosed below are HDFC Bank Premium Salary Account fees and charges
| Description of Charges | Premium Salary Account | ||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Balance (Average Monthly Balance) | NIL | ||||||||||||||||||||
| Charges on non maintenance thereof | NIL | ||||||||||||||||||||
| PAP Cheque book | Free 25 cheque leaves per year (Financial year) Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook | ||||||||||||||||||||
| PAP Cheque book usage charges | No Charges | ||||||||||||||||||||
| Issue of duplicate / adhoc statements |
| ||||||||||||||||||||
| Hold Statement | Rs. 400 per year | ||||||||||||||||||||
| Passbook issuance* | Free | ||||||||||||||||||||
| Duplicate passbook issuance* | Rs 100/- | ||||||||||||||||||||
| Managers Cheques / Demand Drafts - Issuance / Re-issuance - On HDFC Bank Locations |
| ||||||||||||||||||||
| Managers Cheque/Demand Drafts - Cancellation / Revalidation | Rs 100/- (Nil cancellation / revalidation charges for Managers Cheque / DD value upto Rs.1000/-) | ||||||||||||||||||||
| Demand Drafts- Issued - On Non HDFC Bank Locations |
| ||||||||||||||||||||
| Cheque Collection - Local Clearing Zone | Free | ||||||||||||||||||||
| Collection of outstation cheques - our bank locations |
| ||||||||||||||||||||
| Collection of outstation cheques - other locations |
| ||||||||||||||||||||
| Cheque return charges drawn on us - Local |
| ||||||||||||||||||||
| Cheques deposited returned unpaid | Charge of Rs.200/- 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 - No Charge 15 days upto 12 months - Rs 500/- Beyond 12 months - No Charge | ||||||||||||||||||||
| Photo Attestation | Rs 100/- per instance NIL (For Senior Citzens) | ||||||||||||||||||||
| Signature Attestation | NIL | ||||||||||||||||||||
| Address Confirmation | Rs 50/- per instance | ||||||||||||||||||||
| Stop Payment Charges | Particular cheque Rs. 100/- Range of cheques Rs. 200/- Free through NetBanking | ||||||||||||||||||||
| Standing Instructions | Setting up Charges - NIL Rs. 25 per transaction plus remittance charge | ||||||||||||||||||||
| Unarranged overdraft | Rs 100 per Occasion + 18% Interest p.a | ||||||||||||||||||||
| 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 is equal to or above Rs 50,000/- 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 from the 16th transaction onwards | ||||||||||||||||||||
| 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 | Free | ||||||||||||||||||||
| Phonebanking - IVR | Free | ||||||||||||||||||||
| Phonebanking - Non IVR | Free | ||||||||||||||||||||
| ATM Card | Free | ||||||||||||||||||||
| ATM Card - Replacement charges | Rs. 200 (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Regular / Rewards | Free | ||||||||||||||||||||
| Debit Card - Annual Fee - Titanium | Free | ||||||||||||||||||||
| Debit Card - Annual Fee - Titanium Royale | Free | ||||||||||||||||||||
| Debit Card - Annual Fee - Times Points | Free | ||||||||||||||||||||
| Debit Card - Annual Fee - Gold / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Women's Card | Free | ||||||||||||||||||||
| Debit Card - Renewal Fee - Regular / Rewards | Free | ||||||||||||||||||||
| Debit Card - Renewal Fee - Titanium | Free | ||||||||||||||||||||
| Debit Card - Renewal Fee - Titanium Royale | Free | ||||||||||||||||||||
| Debit Card - Renewal Fee - Times Points | Free | ||||||||||||||||||||
| Debit Card - Renewal Fee - Gold / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Women's Card | Free | ||||||||||||||||||||
| Debit Card - Replacement Charges/Re issuance charges | Rs 200 (plus taxes as applicable) | ||||||||||||||||||||
| ATM / Debit Card Card - Transaction Charge |
| ||||||||||||||||||||
| 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 | Free | ||||||||||||||||||||
| Add-on Debit Card - Rewards | 500 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Gold Card / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Women's Card | Free | ||||||||||||||||||||
| Add-on Debit Card - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| BillPay | Free | ||||||||||||||||||||
| InstaPay | Rs. 10 (plus taxes as applicable) per transaction | ||||||||||||||||||||
| InstaAlert | Free# | ||||||||||||||||||||
| Visa Money Transfer | Rs. 5 (plus taxes as applicable) per transaction | ||||||||||||||||||||
| NEFT Charges - Inward | NIL | ||||||||||||||||||||
| NEFT Charges- outward |
| ||||||||||||||||||||
| 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 - Inward | NIL | ||||||||||||||||||||
| IMPS (Immediate Payment Service) – Outward |
| ||||||||||||||||||||
| 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 | ||||||||||||||||||||
*at home branch for account holders (individuals)
#Depends from corporate to corporate.
All fees and charges,mentioned in the tariff of charges,will attract Goods & Services Tax as applicable.
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Defense Salary Account
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-
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Issue of duplicate / adhoc statements
Soft Copy-
Last 5 years 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/-
Hold Statement
Rs. 400 per year
Passbook issuance*
Free
Duplicate passbook issuance*
Rs 100/-
Managers Cheques / Demand Drafts - Issuance / Re-issuance - On HDFC Bank Locations
| DD request through Branch | |
Free upto Rs.25,000 Above Rs. 25,000 Rs.5 per 1000 (min Rs 75/- & max Rs. 10,000) | |
| DD request through Netbanking | |
| Upto Rs. 10 Lakh | Rs .50+(Corr. Bank charges if applicable) |
| Third party DD upto Rs. 1,00,0000 | Rs .50+(Corr. Bank charges if applicable) |
| *Third Party Registration required ( customers registered for third party transfers have a maximum limit of Rs. 10 lakhs per customer id and hence can issue multiple DDs of Rs. 1 lakh upto Rs. 10 lakhs and send it to the beneficiary address) | |
Managers Cheque/Demand Drafts - Cancellation / Revalidation
Rs 100/- (Nil cancellation / revalidation charges for Managers Cheque / DD value upto Rs.1000/-)
Demand Drafts- Issued - On 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 | Rs. 5 per 1000 |
Cheque Collection - Local Clearing Zone
Free
Collection of outstation cheques - our bank locations
| Charges for cheques drawn on Branch locations | |
| Upto Rs 5,000 | Rs. 25/-, Rs. 20/- for Rural branches |
| Rs. 5,001 to Rs 10,000 | Rs. 50/-, Rs. 40/- for Rural branches |
| 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 | |
| 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 | |
| Upto Rs 5,000 | Rs. 25/-, Rs. 20/- for Rural branches |
| Rs. 5,001 to Rs 10,000 | Rs. 50/-, Rs. 40/- for Rural branches |
| 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 | |
| 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 will be charged |
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 - No Charge
15 days upto 12 months - Rs 500/-
Beyond 12 months - No Charge
Photo Attestation
Rs 100/- per instance
NIL (For Senior Citzens)
Signature Attestation
NIL
Address Confirmation
Rs 50/- per instance
Stop Payment Charges
Particular cheque - Rs. 100/-
Range of cheques - Rs. 200/-
Free through NetBanking
Unarranged overdraft
Rs 100 per Occasion + 18% Interest p.a
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 is equal to or above Rs 50,000/- 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 from the 16th transaction onwards
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
Free
ATM Card
Free
ATM Card - Replacement charges
Rs. 200 (plus taxes as applicable and cess)
Debit Card - Annual Fee - Regular / Rewards
Free
Debit Card - Annual Fee - Titanium
Free
Debit Card - Annual Fee - Titanium Royale
Rs. 400 per year (plus taxes as applicable and cess)
Debit Card - Annual Fee - Times Points
Rs. 650 per year (plus taxes as applicable and cess)
Debit Card - Annual Fee - Gold / Platinum
Rs.750 per year (plus taxes as applicable and cess)
Debit Card - Annual Fee - Women's Card
Free
Debit Card - Renewal Fee - Regular / Rewards
Free
Debit Card - Renewal Fee - Titanium
Free
Debit Card - Renewal Fee - Titanium Royale
Rs. 400 per year (plus taxes as applicable and cess)
Debit Card - Renewal Fee - Times Points
Rs. 650 per year (plus taxes as applicable and cess)
Debit Card - Renewal Fee - Gold / Platinum
Rs.750 per year (plus taxes as applicable and cess)
Debit Card - Renewal Fee - Women's Card
Free
Debit Card - Replacement charges
Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 200 (plus taxes as applicable and cess) (for all card types)
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 |
| *Includes both financial and non-financial transactions (includes only Balance Enquiry, Mini Statements requests and PIN change transactions) 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 Salary Manager / Branch Manager for details of the offer. Transactions over and above free limit will be charges as under:
| |
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 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 as applicable and cess)
Add-on Debit Card - Regular
Free
Add-on Debit Card - Rewards
500 per year (plus taxes as applicable and cess)
Add-on Debit Card - Gold Card / Platinum
Rs.750 per year (plus taxes as applicable and cess)
Add-on Debit Card - Times Points
Rs. 650 per year (plus taxes as applicable and cess)
Add-on Debit Card - Women's Card
Free
Add-on Debit Card - Titanium
Rs. 250 per year (plus taxes as applicable and cess)
Add-on Debit Card - Titanium Royale
Rs. 400 per year (plus taxes as applicable and cess)
BillPay
Free
InstaPay
Rs. 10 (plus taxes as applicable and cess) per transaction
InstaAlert
Free
Visa Money Transfer
Rs. 5 (plus taxes as applicable and cess) per transaction
NEFT Charges - Inward
NIL
NEFT Charges- outward
NEFT Through NetBanking - Free
NEFT through branches - below charges
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 through NetBanking - Free
RTGS through branches:
Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (exclusive of taxes and cess) per transaction
Above Rs 5 Lakhs - Rs. 50 (exclusive of taxes and cess) per transaction
RTGS - Inward
NIL
IMPS (Immediate Payment Service) – Outward
- Amount up to 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
Free
Netbanking
Free
ECS / ACH (Debit) Return Charges
- Rs 350/- 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 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
*at home branch for account holders (individuals)
All fees and charges,mentioned in the tariff of charges,will attract Goods & Services Tax as applicable.
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Reimbursement Current Account
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Enclosed below are HDFC Bank Reimbursement Account fees and charges
| Description of Charges | Reimbursement Account | ||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Balance (Average Monthly Balance) | NIL | ||||||||||||||||||||
| Charges on non maintenance thereof | NIL | ||||||||||||||||||||
| PAP Cheque book | On Request - Free 25 cheque leaves per year (Financial year) Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook | ||||||||||||||||||||
| PAP Cheque book usage charges | No Charges | ||||||||||||||||||||
| Issue of duplicate / adhoc statements |
| ||||||||||||||||||||
| Hold Statement | Rs. 400 per year | ||||||||||||||||||||
| Passbook issuance* | Free | ||||||||||||||||||||
| Duplicate passbook issuance* | Rs 100/- | ||||||||||||||||||||
| Managers Cheques / Demand Drafts - Issuance / Re-issuance - On HDFC Bank Locations |
| ||||||||||||||||||||
| Managers Cheque/Demand Drafts - Cancellation / Revalidation | Rs 100/- (Nil cancellation / revalidation charges for Managers Cheque / DD value upto Rs.1000/-) | ||||||||||||||||||||
| Demand Drafts- Issued - On Non HDFC Bank Locations |
| ||||||||||||||||||||
| Cheque Collection - Local Clearing Zone | Free | ||||||||||||||||||||
| Collection of outstation cheques - our bank locations |
| ||||||||||||||||||||
| Collection of outstation cheques - other locations |
| ||||||||||||||||||||
| Cheque return charges drawn on us - Local |
| ||||||||||||||||||||
| Cheques deposited returned unpaid | Charge of Rs 200/- 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 - No Charge 15 days upto 12 months - Rs 500/- Beyond 12 months - No Charge | ||||||||||||||||||||
| Photo Attestation | Rs 100/- per instance NIL (For Senior Citzens) | ||||||||||||||||||||
| Signature Attestation | NIL | ||||||||||||||||||||
| Address Confirmation | Rs 50/- per instance | ||||||||||||||||||||
| Stop Payment Charges | Particular cheque - Rs. 100/- | ||||||||||||||||||||
| Standing Instructions | Setting up Charges - NIL Rs. 25 per transaction plus remittance charge | ||||||||||||||||||||
| Unarranged overdraft | Rs 100 per Occasion + 18% Interest p.a | ||||||||||||||||||||
| 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 is equal to or above Rs 50,000/- 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 from the 16th transaction onwards | ||||||||||||||||||||
| 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 | Free | ||||||||||||||||||||
| Phonebanking - IVR | Free | ||||||||||||||||||||
| Phonebanking - Non IVR | Free | ||||||||||||||||||||
| ATM Card | Free | ||||||||||||||||||||
| ATM Card - Replacement charges | Rs. 200 (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Regular | Rs. 150 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Rewards | Rs. 500 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Gold / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Annual Fee - Women's Card | Rs. 150 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Regular | Rs. 150 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Rewards | Rs. 500 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Debit Card - Renewal Fee - Gold / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| 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) | ||||||||||||||||||||
| ATM / Debit Card Card - Transaction Charge |
| ||||||||||||||||||||
| Debit Card - Transaction Charge - Non HDFC Bank International ATMs | Rs. 25 per balance enquiry & Rs. 125 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 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) | ||||||||||||||||||||
| Add-on Debit Card - Rewards | Rs. 500 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Gold Card / Platinum | Rs.750 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Times Points | Rs. 650 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Women's Card | Rs. 150 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Titanium | Rs. 250 per year (plus taxes as applicable) | ||||||||||||||||||||
| Add-on Debit Card - Titanium Royale | Rs. 400 per year (plus taxes as applicable) | ||||||||||||||||||||
| BillPay | Not offered | ||||||||||||||||||||
| InstaPay | Rs. 10 (plus taxes as applicable) per transaction | ||||||||||||||||||||
| InstaAlert | Email - Free SMS - Rs. 15/- per quarter | ||||||||||||||||||||
| Visa Money Transfer | Rs. 5 (plus taxes as applicable) per transaction | ||||||||||||||||||||
| NEFT Charges - Inward | NIL | ||||||||||||||||||||
| NEFT Charges- outward |
| ||||||||||||||||||||
| 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 | Above Rs. 2 lakhs to 5 Lakhs - Rs. 25 (plus taxes as applicable) per transaction Above Rs 5 Lakhs - Rs. 50 (plus taxes as applicable) per transaction | ||||||||||||||||||||
| RTGS - Inward | NIL | ||||||||||||||||||||
| IMPS (Immediate Payment Service) - Outward |
| ||||||||||||||||||||
| 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 | ||||||||||||||||||||
*at home branch for account holders (individuals)
All fees and charges,mentioned in the tariff of charges,will attract Goods & Services Tax as applicable.
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Premium Current Account
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Enclosed below are HDFC Bank Premium Current Account fees and charges
Fees & Charges for Premium Current Account effective 1st January 2016.
Description of Charges
Premium Current Account
Minimum Balance (Average Quarterly Balance)
Rs. 25,000/-
Non-Maintenance Charges per quarter
Charge of Rs.1800/- per quarter
Mode of calculation of minimum average quarterly balance
Average of daily closing balances of each day spread over a period of three months.
Cheque Book Charges (Issued by Bank)
( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.)
| Payable-at-par |
| 100 cheque leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves |
Other Current Account facilities
Account Statement
Free (Monthly)+
Duplicate/Adhoc Statement
Requests through Direct Banking Channels
Rs.50/- per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR)
At branch or PhoneBanking (Non-IVR)
Rs.100/- per statement through Branch; Rs.75/- per statement through PhoneBanking (Non-IVR)
Hold Statement Facility
Rs.400/- per year
Remittance facility through own Bank
Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD
DD Amount
Up to Rs. 50,000 charges Rs. 40/- per DD,
Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free
Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO
PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 - Rs. 25/-, Above Rs. 100,000- Free
Issuance of DD/ PO through PhoneBanking:
All standard charges for DD / PO are applicable as above.
Only DD / PO amount upto Rs 500,000/- are accepted at Phonebanking.
DD/PO-Cancellation/Revalidation
Rs.100/- per instrument
NEFT/EFT Transactions :
Payments(At branch)
Upto Rs.10,000/ Rs.2.50/- per transaction
Rs.10,001 to Rs.1 lakh- Rs.5/- per transaction
Rs. 1 lakh to Rs. 2 lakhs - Rs.15/- per transaction
Above Rs.2 lakh - Rs.25/- per transaction
(The above transaction charges are excl of taxes)
Collections
Free
RTGS Transactions :
Payments(At branch)
Rs.2 lakhs to Rs.5 lakhs - Rs.25/- per transaction
Rs.5 Lakhs and above - Rs.50/- per transaction
(The above transaction charges are excl of taxes)
Collections
Free
NEFT/RTGS payments are free through netbanking
Local Transactions (At home branch location)
Local cheques collections & payments
Free
Account to Account Fund Transfer within HDFC Bank
Free
Anywhere Transactions (except Dahej)
Account to Account Fund Transfer within HDFC Bank
Free
Payments at HDFC Bank Locations
Free
Collections at HDFC Bank Locations
Free
Bulk Transaction Charges
All transactions are subject to a maximum of 75 transactions per month, beyond which charges @ Rs.10/- per transaction would be levied. Includes all Local / Anyhwere clearing and Funds transfer transactions
Remittance facility through other Bank
Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)
Rs.2.00 per Rs.1000/- Minimum Rs.50/-
Cheque Collection
Outstation Cheque Collection at Bank Locations
| Instrument Value | Charges |
| Upto Rs 50,000/- | Rs 50/- per instrument |
| Above Rs 50,000/- and upto Rs 1,00,000/- | Rs 100/- per instrument |
| Above Rs 1,00,000/- | Rs 150/- per instrument |
Outstation Cheque Collection at Correspondent Bank Location and Clean Location (Non-Corr Bank Location) and Non-MICR cheque
| Instrument Value | Charges |
| Upto Rs 25,000/- | Rs 50/- per instrument |
| Above Rs 25,000/- and upto Rs 1,00,000/- | Rs 100/- per instrument |
| Above Rs 1,00,000/- | Rs 150/- per instrument |
Cheque Collection through Speed Clearing
| Instrument Value | Charges |
| Upto Rs.100,000 | Free |
| Above Rs.100,000 | Rs.140/- per instrument |
Bouncing of cheques- Local
Cheques Drawn on us
Due to Insufficient Funds
Up to 2 instruments per month - Rs. 500 per instrument ;On 3rd instrument onwards - Rs. 750 per instrument
Due to Technical Reasons
No Charge
Cheques Deposited Returned Unpaid
Local
Rs. 100/- per Instrument
Outstation
Rs. 250/- per Instrument
Doorstep Banking **
Cash Pickup Charges (within municipal city limits)
Cash Pickup upto Rs 1 Lac
Rs 150/- per pickup
Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac
Rs 200/- per pickup
Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac
Rs 300/- per pickup
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager
Cash Transactions
Cash Deposit
Cash Deposit-Home Branch Location
Free upto Rs.3 lacs per month or 25 transactions, whichever is lower. Deposit in excess of Rs.3 lacs or 25 transactions will be charged @ Rs.3 per 1000, minimum Rs.50
Limit on Inter-Branch deposits (Within Home Branch City
Cash deposit at non home Branches within home branch city subject to maximum of Rs.25,000 per account per day
Free Cash deposite Limit will lapse for the account if AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customer will be charged from 1st transaction of cash deposit.
Cash Withdrawal
Cash Withdrawal-Home Branch
Free at Home Branch
Cash Withdrawal-Non Home Branch-Intracity & Intercity
Free cash withdrawals upto Rs.25,000/- per day, beyond which charges @ Rs.2/1000, min Rs. 50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction.
Miscellaneous
Balance enquiry
Rs.25/-
TDS Certificate
Free
Balance Confirmation Certificate
Rs.50/-
Interest Certificate
Rs. 50/-
Cheque Status per instance
Rs. 25/-
Photo Verification
Rs 100/- per instance
Address Confirmation
Rs 100/- per instance
Signature Verification
Rs 100/- per instance
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.
Setting up of Standing Instructions
Nil
Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address)
Rs 50/- per instance
TIN/IPIN Regeneration (requests received at the branch for physical dispatch)
Rs 50/- per instance
SI rejects
Upto 3 returns - 350/instance
4th return onward 750/instance
Old Records / Copy of Paid Cheque
Upto 1 Year
Rs.50 per record
Above 1 YearAbove 1 Year
Rs.100 per record
Common Charges for Debit / ATM Cards
Replacement of damaged card
Free
Replacement of Lost card
Rs.200/-
Copy Retrieval Request
Rs.100
Re-Issuance of PIN
Rs.50 (plus taxes)
ATM Usage:
| Transacton Type | Balance Inquiry | Cash Withdrawal |
|---|---|---|
| HDFC Bank ATMs | Free | Free |
| Non-HDFC Bank ATMs | ||
| Domestic | On all transactions ( Financial + Non financial ), Charges applicable @Rs.20/- per transaction | |
| International*
*The Bank will charge cross-currency mark-up of 3.5% | Rs.25/- per transaction | Rs.125/- per transaction |
Transaction Decline Charge (at Non HDFC Bank ATM's)
Rs. 25 per transaction
Stop Payment Charges
Particular cheque
Rs.100/- (FREE through Phone Banking)
Range of cheques
Rs.250/- (FREE through Phone Banking)
Account Closure:
Up to 14 days
No Charge
15 days to 6 months
Rs 500/-
6 months upto 12 months
Rs 250/-
Beyond 12 months
No Charge
InstaAlert / Mobile Banking
Insta Alert
Rs 25/- per quarter
Transactions through PhoneBanking:
Interactive Voice Response (IVR)
Free
Non-IVR- Agent assisted - For accounts NOT maintaining AQB as of previous quarter and for transactions that are available on IVR
Rs.50/- per call
Charges on all IMPS Outgoing transactions:
Slabs (Rs)
Charges Exclusive of service tax (Rs)
Up to 100,00
5
100,001 upto 200,000
15
Debit Cards (only for Individuals & Sole Proprietorship)
| Debit Card | Easy Shop | ATM Card | |||
|---|---|---|---|---|---|
| Business# | Regular | Gold | Woman's | ||
| Annual Fee per Card | Rs.250/- p.a. | Rs.100 p.a. | Rs.500 p.a | Rs.100 p.a. | Free |
| Daily ATM Limit | Rs.50,000 | Rs.25,000 | Rs.50,000 | Rs.25,000 | Rs. 10,000 |
| Daily Merchant Establishment Point of Sale Limit | Rs.75,000 | Rs.40,000 | Rs.75,000 | Rs.40,000 | NA |
# Also available for partnership firms & limited company current accounts which have operating instructions as "Singly"
Click here to view Fees & Charges for Premium Current Account before 1st January' 2016
Click here to view change in Fees & Charges for Premium Current Account before 1st March’ 2015
Click here to view Fees & Charges for Premium Current Account before 1st December, 2014
Click here to view Fees & Charges for Premium Current Account before 1st November, 2013
Click here to view charges applicable before 1st January, 2012
Click here to view charges applicable from Jan 2009 to September,2010
Click here to view charges applicable from 1st July 2007 to Jan 2009
All charges are exclusive of GST as applicable from time to time
+For accounts maintaining AQB less than Rs.25,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement
**Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.
Thanks for your request.
You will receive the download link shortly
Regular Current Account
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Enclosed below are HDFC Bank Regular Current Account fees and charges
Fees & Charges for Regular Current Account effective 1st January 2016.
Description of Charges
Regular Current Account
Minimum Balance (Average Quarterly Balance)
Rs. 10,000/-
Non-Maintenance Charges per quarter
Charge of Rs.1500/- per quarter
Mode of calculation of minimum average quarterly balance
Average of daily closing balances of each day spread over a period of three months.
Cheque Book Charges (Issued by Bank)
( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.)
| Payable-at-par |
| Charges Rs 2/- per leaf |
Other Current Account facilities
Account Statement
Free (Monthly)+
Duplicate/Adhoc Statement
Requests through Direct Banking Channels
Rs.50/- per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR)
At branch or PhoneBanking (Non-IVR)
Rs.100/- per statement through Branch; Rs.75/- per statement through PhoneBanking (Non-IVR)
Hold Statement Facility
Rs.400/- per year
Remittance facility through own Bank
Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD
DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 to Rs. 100,000- Rs. 25/- per DD, Above Rs. 100,000- Free
Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO
PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 to Rs. 100,000 - Rs. 25/- per PO, Above Rs. 100,000- Free
Issuance of DD/ PO through PhoneBanking
All standard charges for DD / PO are applicable as above. Only DD / PO amount upto Rs 500,000/- are accepted at Phonebanking.
DD/PO-Cancellation/Revalidation
Rs.100/- per instrument
NEFT/EFT Transactions :
Payments(At branch)
Upto Rs.10,000/ Rs.2.50/- per transaction
Rs.10,001 to Rs.1 lakh- Rs.5/- per transaction
Rs. 1 lakh to Rs. 2 lakhs - Rs.15/- per transaction
Above Rs.2 lakh - Rs.25/- per transaction
(The above transaction charges are excl of taxes)
Collections
Free
RTGS Transactions :
Payments(At branch)
Rs.2 lakhs to Rs.5 lakhs - Rs.25/- per transaction
Rs.5 Lakhs and above - Rs.50/- per transaction
(The above transaction charges are excl of taxes)
Collections
Free
NEFT/RTGS payments are free through netbanking
Local Transactions (At home branch location)
Local cheques collections & payments
Free
Account to Account Fund Transfer within HDFC Bank
Free
Anywhere Transactions (except Dahej)
Account to Account Fund Transfer within HDFC Bank
Free
Payment at HDFC Bank Locations
Free
Collections at HDFC Bank Locations
Free
Bulk Transaction Charges
All transactions are subject to a maximum of 50 transactions per month, beyond which charges @ Rs.10/- per transaction would be levied. Includes all Local / Anyhwere clearing and Funds transfer transactions
Remittance facility through other Bank
Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)
Rs.2.00 per Rs.1000/- Minimum Rs.50/-
DD-Cancellation / Revalidation
Rs.100/- per instrument
Cheque Collection
Outstation Cheque Collection at Bank Locations
| Instrument Value | Charges |
| Upto Rs 50,000/- | Rs 50/- per instrument |
| Above Rs 50,000/- and upto Rs 1,00,000/- | Rs 100/- per instrument |
| Above Rs 1,00,000/- | Rs 150/- per instrument |
Outstation Cheque Collection at Correspondent Bank Location and Clean Location (Non-Corr Bank Location) and Non-MICR cheque
| Instrument Value | Charges |
| Upto Rs 25,000/- | Rs 50/- per instrument |
| Above Rs 25,000/- and upto Rs 1,00,000/- | Rs 100/- per instrument |
| Above Rs 1,00,000/- | Rs 150/- per instrument |
Cheque Collection through Speed Clearing
| Instrument Value | Charges |
| Upto Rs.100,000/- | Free |
| Above Rs.100,000/- | Rs.140/- per instrument |
Bouncing of cheques- Local
Cheques Drawn on us
Due to Insufficient Funds
Up to 2 instruments per month - Rs. 500 per instrument ;On 3rd instrument onwards - Rs. 750 per instrument
Due to Technical Reasons
No Charge
Cheques Deposited Returned Unpaid
Local
Rs 100 per instrument
Outstation
Rs 150 per instrument
Doorstep Banking **
Cash Pickup Charges (within municipal city limits)
Cash Pickup upto Rs 1 Lac
Rs 150/- per pickup
Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac
Rs 200/- per pickup
Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac
Rs 300/- per pickup
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager
Cash Transactions
Cash Deposit
Cash Deposit-Home Branch Location
Free upto Rs.2 lacs per month or 25 transactions, whichever is lower. Deposit in excess of Rs.2 lacs or 25 transactions will be charged @ Rs.3 per 1000, minimum Rs.50 per transaction.
Limit on Inter-Branch deposits (Within Home Branch City)
Cash deposit at non home Branches within home branch city subject to maximum of Rs.10,000 per account per day
Cash Deposit -Non Home location
Cash Deposit - Non-Home Location - Maximum Rs.10,000 per day. Charges @ Rs. 3.5 per 1000, min Rs.50 per transaction
Free Cash deposite Limit will lapse for the account if AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customer will be charged from 1st transaction of cash deposit.
Cash Withdrawal
Cash Withdrawal-Home Branch
Free at Home Branch
Cash Withdrawal-Non Home Branch-Intercity & Intracity
Cash Withdrawal charges @ Rs.2/1000, min Rs.50 per transaction.Third party cash withdrawal allowed only up to maximum Rs. 50,000 per transaction.
Miscellaneous
Balance enquiry
Rs.25/-
TDS Certificate
Free
Balance Confirmation Certificate
Rs.50/-
Interest Certificate
Rs.50/-
Cheque Status per instance
Rs.25/-
Photo Verification
Rs 100/- per instance
Address Confirmation
Rs 100/- per instance
Signature Verification
Rs 100/- per instance
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.
Setting up of Standing Instructions
Nil
Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address)
Rs 50/- per instance
TIN/IPIN Regeneration (requests received at the branch for physical dispatch)
Rs 50/- per instance
SI rejects
Upto 3 returns - 350/instance
4th return onward 750/instance
Old Records / Copy of Paid Cheque
Upto 1 Year
Rs.50 per record
Above 1 Year
Rs.100 per record
Common Charges for Debit / ATM Cards
Replacement of damaged card
Free
Replacement of Lost card
Rs.200/-
Copy Retrieval Request
Rs.100
Re-Issuance of PIN
Rs.50 (plus taxes)
ATM Usage:
| Transacton Type | Balance Inquiry | Cash Withdrawal |
|---|---|---|
| HDFC Bank ATMs | Free | Free |
| Non-HDFC Bank ATMs | ||
| Domestic | On all transactions ( Financial + Non financial ), Charges applicable @Rs.20/- per transaction | |
| International*
*The Bank will charge cross-currency mark-up of 3.5% on foreign | Rs.25/- per transaction | Rs.125/- per transaction |
Transaction Decline Charge (at Non HDFC Bank ATM's)
Rs. 25 per transaction
Stop Payment Charges
Particular cheque
Rs. 100/- (FREE through Phone Banking)
Range of cheques
Rs. 250/- (FREE through Phone Banking)
Account Closure:
Up to 14 days
No Charge
15 days to 6 months
Rs 500/-
6 months upto 12 months
Rs 250/-
Beyond 12 months
No Charge
InstaAlert / Mobile Banking
Insta Alert
Rs 25/- per quarter
Transactions through PhoneBanking:
Interactive Voice Response (IVR)
Free
Non-IVR- Agent assisted - For accounts NOT maintaining AQB as of previous quarter and for transactions that are available on IVR
Rs.50/- per call
Charges on all IMPS Outgoing transactions:
Slabs (Rs)
Charges Exclusive of service tax (Rs)
Up to 100,000
5
100,001 upto 200,000
15
Debit Cards (only for Individuals & Sole Proprietorship)
| Debit Card | Easy Shop | ATM Card | |||
|---|---|---|---|---|---|
| Business# | Regular | Gold | Woman's | ||
| Annual Fee per Card | Rs.250/- p.a. | Rs.100 p.a. | Rs.500 p.a | Rs.100 p.a. | Free |
| Daily ATM Limit | Rs.50,000 | Rs.25,000 | Rs.50,000 | Rs.25,000 | Rs. 10,000 |
| Daily Merchant Establishment Point of Sale Limit | Rs.75,000 | Rs.40,000 | Rs.75,000 | Rs.40,000 | NA |
# Also available for partnership firms & limited company current accounts which have operating instructions as "Singly"
Click here to view Fees & Charges for Regular Current Account before 1st January’ 2016
Click here to view change in Fees & Charges for Regular Current Account before 1st March’ 2015
Click here to view Fees & Charges for Regular Current Account before 1st November, 2013
Click here to view charges applicable before 1st January, 2012
Click here to view charges applicable from Jan 2009 to September,2010
*Regular Current Account is available at select locations only.
All charges are exclusive of GST as applicable from time to time
+For accounts maintaining AQB less than Rs.10,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement
**Available at Select locations. You need to register with the Bank for availing these services, please contact your Branch Manager for further details.
Thanks for your request.
You will receive the download link shortly
Flexi Current Account
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Enclosed below are HDFC Bank Flexi Current Account fees and charges
Description of Charges
Flexi Current Account
Minimum Balance (Average Monthly Balance)
Rs. 75,000/- per month
Non-Maintenance Charges per month
Rs 1000/- per month
Mode of calculation of minimum average monthly balance
Average of daily closing balances of each day spread over a period of one month.
Cheque Book Charges (Issued by Bank)
( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.)
Payable-at-par
100 cheque leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves
Other Current Account facilities