Activ Current Account for Retail Business Customers

All You Need To Know

FEES & CHARGES

Enclosed below are HDFC Bank Activ Current Account fees and charges
Features		Activ Current Account
AQB		₹ 10,000/- (AQB)
Non-Maintenance Charges (per quarter)		₹ 3,000/-

Note: Free limits across Cash Deposit / Withdrawal / Total Transactions / Cheque leaves / DD & PO will lapse if AQB maintained is less than 75% of required product AQB.

Download Fees & Charges effective 1st August 2025

Terms and Conditions

Cash Transactions

Cash Transactions
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit)		Free up to 10 times of Current Month AMB (Upper Cap - ₹50 Crore) at any HDFC Bank Branch / Cash Recycler Machines; Beyond free limits, standard charges @ ₹4 per ₹1000, minimum ₹50 per transaction beyond free limits
Cash deposit in low denomination coins and notes i.e. ₹20 and below @ any HDFC Bank Branch (Monthly)		Cash deposit in notes = Nil free limits; chargeable at 4% of cash deposit in low denomination notes
		Cash deposit in coins = Nil free limits; chargeable at 5% of cash deposit in coins
Operational Limit for Cash Deposit @Non-Home Branch (per day)		₹ 5,00,000/-
Cash Withdrawal Limit @ Home Branch		Free
Cash Withdrawal Limit @ Non Home Branch - Monthly Limit		Free 10 times Current Month AMB (Upper Cap – ₹ 50 Crs) Charges @ ₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- per transaction beyond free limits
Daily Third Party Cash Withdrawal limit @ Non-Home Branch		Rs 50,000/- per transaction

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Non - Cash Transactions

Local / Intercity Cheque Collection/Payments & Fund Transfer		Free
Total Transactions* - Monthly Free Limit		Free up to 150 transactions for every slab of ₹1 Lakh of Current Month AMB balance maintained (Upper Cap – 3000 transactions); Charges @ ₹50 per transaction beyond free limits
Demand Drafts (DD)/ Pay Orders (PO) @ Bank Location		Free 30 DD/PO for every ₹ 1 Lakh of AMB maintained. (Upper Cap: 1000 DD/PO). Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and Max ₹ 3000/- per instrument beyond free limit
Demand Drafts (DD) @ Correspondent Bank location		No free limits Charges @₹ 1.50 per ₹ 1000/- ; Minimum ₹ 50/- per instrument beyond free limits
Cheque Leaves - Monthly Free Limit		Free 100 cheque leaves for every slab of ₹ 1 lakh current month AMB balance maintained. (upper cap – 2000 cheque leaves) Charges @ Rs 3 per leaf beyond free limits
Outstation cheque collection @ Clean Location (per instrument charges)		Upto ₹ 25,000 – ₹ 50/- ₹ 25,001- ₹ 1 lakh – ₹ 100/- Above ₹ 1 lakh – ₹ 150/-

*Total Transactions includes count of Cash Deposit, Cash Withdrawal, Cheque Clearing and Fund Transfer Transactions

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Debit Cards

Features	EasyShop Business*	ATM Card
Annual Fee per card	Free	Free
Daily ATM limit	₹ 1,00,000/-	₹ 10,000/-
Daily Merchant Establishment Point of Sale limit	₹ 5,00,000/-	NA
*Also available for partnership firms & limited company current accounts. In case, the MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) have to sign the form jointly.

*For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.  
For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect. 

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ATM Usage

ATM Transactions (@ HDFC Bank ATM)	Unlimited Free
ATM Transactions - Financial & Non-Financial (@ Non- HDFC Bank ATM)	Maximum of 5 Transactions Free in a month with a cap of maximum 3 free transactions in Top 6 cities¹ @ Non-HDFC Bank ATM. Charges beyond free limits @ ₹ 21/- per transaction 1. Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities

Note: With effect from 1st May 2025, ATM transaction charge rate beyond free limit of Rs. 21 + taxes would be revised to Rs. 23 + taxes, wherever applicable.

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NEFT payments		Free through Branch & NetBanking
RTGS payments		Free through Branch & NetBanking
IMPS Payments		Up to ₹1000: ₹2.5, Above ₹1000 up to ₹1 Lakh: ₹5, Above ₹1 Lakh up to ₹2 Lakh: ₹15
NEFT / RTGS / IMPS Collections		Free

Closure: Up to 14 days		No Charge
Closure: 15 days to 6 months		₹ 500/-
Closure: 6 months to 12 months		₹ 250/-
Closure: Beyond 12 months		No Charge

Activ Current Account

All You Need To Know

FEES & CHARGES

Cash Transactions

Non - Cash Transactions

*Total Transactions includes count of Cash Deposit, Cash Withdrawal, Cheque Clearing and Fund Transfer Transactions

Electronic Transactions

Debit Cards

ATM Usage

Account Closure Charges

Fees & Charges (Past Records)

Manage Your Accounts

Tools & Calculators

Ways To Bank

Phone Banking

in the current economy

Activ Current Account

All You Need To Know

FEES & CHARGES

Cash Transactions

Non - Cash Transactions

*Total Transactions includes count of Cash Deposit, Cash Withdrawal, Cheque Clearing and Fund Transfer Transactions

Electronic Transactions

Debit Cards

ATM Usage

Account Closure Charges

Fees & Charges (Past Records)

Manage Your Accounts

Tools & Calculators

Ways To Bank

Phone Banking

Difference Between Current Account & Savings Account

in the current economy