SME Current Account for Professionals With Benefits

All You Need To Know

FEES & CHARGES

Enclosed below are HDFC Bank Current Account for Professionals fees and charges
Features	Current Account for Professionals
Average Quarterly Balance (AQB)	₹ 10,000/-
Non-Maintenance Charges (per quarter)	₹ 1,500/-

Note: Free Cash Deposit limits will lapse if AQB maintained is less than 75% of required product HAB

Download Fees & Charges effective 1st December 2024

TERMS AND CONDITIONS

Cash Transactions

Cash Transactions
Combined Cash Deposit Limit @ any HDFC Bank branch (monthly)		Deposit up to ₹ 10 lakhs cash free per month or 25 transactions (whichever is breached first) at any HDFC Bank branches Charges @ ₹ 3.5/- per ₹ 1,000/- minimum ₹ 50/- per transaction beyond free limits
Cash deposit in low denomination notes i.e. Rs 50 and below @ any HDFC Bank Branch (monthly)		1. Cash deposit in notes = Free up to ₹ 10,000/- per month, beyond free limit chargeable at 2% of cash deposit in low denomination notes
		2. Cash deposit in coins = Free up to ₹ 1,000/- per month, beyond free limit chargeable at 5% of cash deposit in coins
Operational Limit for Cash Deposit @Non-Home Branch (per day)		₹ 1,00,000/-
Cash Withdrawal Limit @ Home Branch		Free
Cash Withdrawal Limit @ Non Home Branch		No free limit Charges @ ₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- per transaction

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Non - Cash Transactions

Local / Intercity Cheque Collection/Payments & Fund Transfer		Free
Demand Drafts (DD) / Pay Orders (PO) @ Bank Location		Free 30 DD/PO per month. Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and Max ₹ 3000/- per instrument beyond free limit
Demand Drafts (DD) @ Correspondent Bank location		Charges @ ₹ 2/- per ₹ 1,000/- ; Minimum ₹ 50/- per instrument
Cheque Leaves - Monthly Free Limit		Free upto 50 cheque leaves Charges @₹ 3 per leaf beyond free limits
Outstation cheque collection @ Clean Location (per instrument charges)		Upto ₹ 25,000 – ₹ 50/- ₹ 25,001 to ₹ 1 lakh – ₹ 100/- Above ₹ 1 lakh – ₹ 150/-
Bulk transactions - Bulk Transaction includes count of all Cheque clearing and Fund Transfer Transactions		Free upto 75 txns Charges @₹ 30 per transaction beyond free limits

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Debit Card (only for Individuals and Sole proprietorships)

Features	EasyShop Business*	ATM Card
Annual Fee per card	Rs 350/- plus taxes	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. 
*Revised Business Debit Card charges are effective from 1st August’2024

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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		Upto ₹ 1 lakh – ₹ 2/- ; Above ₹ 1 lakh – ₹ 10/- (Free through Netbanking
RTGS payments		Above ₹ 2 lakhs – ₹ 15/- (Free through Netbanking)
IMPS Payments		₹ 0 - ₹ 1,000 – ₹ 3.5/- ₹ 1,001 - ₹ 1 lakh – ₹ 5/- Above ₹ 1 lakh upto ₹ 2 lakhs – ₹ 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

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Current Account For Professionals

All You Need To Know

FEES & CHARGES

Cash Transactions

Non - Cash Transactions

Electronic Transactions

Debit Card (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

in the current economy

Current Account For Professionals

All You Need To Know

FEES & CHARGES

Cash Transactions

Non - Cash Transactions

Electronic Transactions

Debit Card (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

in the current economy