Features

Eligibility

Fees & Charges


Enclosed below are HDFC Bank E-Comm Current Account fees and charges

FeaturesE-Comm Current Account
Average Quarterly Balance (AQB)₹ 25,000
Non-Maintenance Charges (per quarter)₹ 1,800
CASH TRANSACTIONS
Combined Cash Deposit Limit @ any HDFC Bank Branches
- Monthly Limit
Combined Limit  @ any HDFC Bank Branches
Free up to Higher of ₹ 3 lacs OR 6 times the current month AMB OR 40 transactions whichever is breached first, (subject to maximum ₹ 100 lacs)
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 BranchFree
Cash Withdrawal Limit @ Non Home Branch (Daily Limit)₹ 1,00,000 per day
Charges @ ₹ 2 per ₹ 1,000, minimum ₹ 50 per transaction beyond free limits
NON - CASH TRANSACTIONS
Local / Intercity Cheque Collection/Payments & Fund TransferFree
Bulk Transactions (count of all Cheque clearing and Fund Transfer transactions) - Monthly Free LimitFree up to 200 transactions
Charges @ ₹ 30 per transaction beyond free limits 
Cheque Leaves - Monthly Free LimitFree up to 300 cheque leaves
Charges @ ₹ 3 per leaf beyond free limits
Outstation cheque collection @ Clean Location
(per instrument charges)
Up to ₹ 25,000 - ₹ 50
₹ 25,001 to ₹ 1,00,000 - ₹ 100
Above ₹ 1,00,000 - ₹ 150
Demand Drafts (DD)/ Pay Orders (PO) @ Bank LocationFree up to 50 DD/PO each
Charges @ ₹ 25 per instrument beyond free limits
Demand Drafts (DD) @ Correspondent Bank locationCharges @ ₹ 2 per ₹ 1000 ; Minimum ₹ 50
ELECTRONIC TRANSACTIONS
NEFT paymentsFree
RTGS paymentsFree
IMPS Payments₹ 0 - ₹ 1000₹ 3.50 per transaction
₹ 1001 - ₹ 100000₹ 5 per transaction

Above ₹ 100000₹ 15 per transaction
NEFT / RTGS / IMPS CollectionsFree

DEBIT CARDS (only for Individuals and Sole proprietorships)

Debit CardEasyShop Business#ATM Card
Annual Fee per cardRs 350/- plus taxesFree
Daily ATM limit 1,00,000 10,000
Daily Merchant Establishment Point of Sale limit 5,00,000NA
# 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.
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​​​​​​​*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
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
(transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities)
ACCOUNT CLOSURE CHARGES
Closure: Up to 14 daysNo Charge
Closure: 15 days to 6 months₹ 1,000
Closure: 6 months to 12 months₹ 500
Closure: Beyond 12 monthsNo 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

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​​​​​​​Download Fees & Charges effective 1st October' 2023

FAQs