Ascent Current Account Fees & Charges Online

All You Need To Know

Fees and Charges

Enclosed below are HDFC Bank Ascent Current Account fees and charges
Features		Ascent Current Account
Average Quarterly Balance (AQB)		Metro and Urban – ₹ 50,000/- Semi urban and Rural – ₹ 25,000/-
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); Charges @ ₹4 per ₹1000, minimum of ₹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		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		₹ 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 50 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
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		Free 100 cheque leaves for every slab of ₹ 1 lakh current month AMB balance maintained. (upper cap – 2000 cheque leaves) Charges @₹ 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 - Total Transaction includes count of Cash Deposit, Cash Withdrawal, Cheque Clearing and Fund Transfer Transactions

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Debit Cards (only for Individuals and Sole proprietorships)

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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Closure: Up to 14 days		No Charge
Closure: 15 days to 6 months		₹ 1,000/-
Closure: 6 months to 12 months		₹ 500/-
Closure: Beyond 12 months		No Charge

Ascent Current Account

All You Need To Know

Fees and Charges

Cash Transactions

Non - Cash Transactions

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

Electronic Transactions

Debit Cards (only for Individuals and Sole proprietorships)

ATM Usage

Account Closure Charges

Fees & Charges (Past Records)

Manage Your Accounts

Tools & Calculators

Ways To Bank

Social media Banking

go cashless

Ascent Current Account

All You Need To Know

Fees and Charges

Cash Transactions

Non - Cash Transactions

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

Electronic Transactions

Debit Cards (only for Individuals and Sole proprietorships)

ATM Usage

Account Closure Charges

Fees & Charges (Past Records)

Manage Your Accounts

Tools & Calculators

Ways To Bank

Social media Banking

Difference Between Current Account & Savings Account

go cashless