Fees & Charges
Enclosed below are HDFC Bank E-Comm Current Account fees and charges
Features | E-Comm Current Account | |
Average Quarterly Balance (AQB) | ₹ 25,000 | |
Non-Maintenance Charges (per quarter) | ₹ 1,800 | |
CASH TRANSACTIONS | ||
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) | Free up to higher of ₹3 Lakh or 6 times the Current Month AMB or 40 transactions, whichever is breached first (subject to maximum of ₹100 Lakh); | |
Cash deposit in low denomination coins and notes i.e. ₹20 and below @ any HDFC Bank Branch (Monthly) | 1. Cash deposit in notes = Nil free limits; chargeable at 4% of cash deposit in low denomination notes | |
2. 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) | ₹ 1,00,000 | |
Cash Withdrawal Limit @ Home Branch | Free | |
Cash Withdrawal Limit @ Non Home Branch (Daily Limit) | ₹ 1,00,000 per day | |
NON - CASH TRANSACTIONS | ||
Local / Intercity Cheque Collection/Payments & Fund Transfer | Free | |
Bulk Transactions (count of all Cheque clearing and Fund Transfer transactions) - Monthly Free Limit | Free up to 200 transactions; | |
Cheque Leaves - Monthly Free Limit | Free up to 300 cheque leaves | |
Outstation cheque collection @ Clean Location | Up to ₹ 25,000 - ₹ 50 | |
Demand Drafts (DD)/ Pay Orders (PO) @ Bank Location | Free 50 DD/PO per month. Charges ₹ 1/- per ₹ 1000/-, | |
Demand Drafts (DD) @ Correspondent Bank location | Charges @ ₹ 2 per ₹ 1000 ; Minimum ₹ 50 | |
ELECTRONIC TRANSACTIONS | ||
NEFT payments | Free | |
RTGS payments | Free | |
IMPS Payments | Up to ₹1000: | ₹2.5 per transaction |
Above ₹1000 up to ₹1 Lakh: | ₹ 5 per transaction | |
Above ₹1 Lakh up to ₹2 Lakh: | ₹ 15 per transaction | |
NEFT / RTGS / IMPS Collections | Free | |
DEBIT CARDS (only for Individuals and Sole proprietorships) | ||
Debit Card | 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. | ||
ATM Usage | ||
ATM transactions (@ HDFC Bank ATM) | Unlimited Free | |
ATM transactions (@ Non- HDFC Bank ATM) | Maximum of 5 transactions free in a month with a cap of Maximum 3 free transactions in Top 6 cities @ Non-HDFC Bank ATM | |
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ACCOUNT CLOSURE CHARGES | ||
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 | |
ACH Return Charges | ||
1 to 3 transactions in a month | ₹ 350 per transaction | |
Fourth instance and beyond | ₹ 750 per transaction | |
Other Charges | ||
One time Mandate Authorisation Charges (Physical / Online) | ₹ 40 per mandate | |
Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB |
Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB |
Download Fees & Charges effective 1st August 2025
Fees & Charges (past records)
Click here to view Fees & Charges for E-Commerce Current Account before 1st October’2023
Click here to view Fees & Charges for E-Commerce Current Account before 1st December’2024
Click here to view Fees & Charges for E-Commerce Current Account before 1st August’2025