FEES & CHARGES


Description of ChargesFlexi Current Account
Minimum Balance (Average Monthly Balance)₹ 75,000/- per month
Non-Maintenance Charges per month₹ 1000/- per month
Mode of calculation of minimum average monthly balanceAverage of daily closing balances of each day spread over a period of one month.
Cheque Book Charges (Issued by Bank)

( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.)

Payable-at-par
100 cheque leaves Free per month. Charges ₹ 3/- per leaf beyond 100 leaves
Other Current Account facilities
Account StatementFree (Monthly)+
Duplicate / Adhoc Statement
Requests through Direct Banking Channels₹ 50/- per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR)
At branch or PhoneBanking (Non-IVR)₹ 100/- per statement through Branch; ₹ 75/- per statement through PhoneBanking (Non-IVR)
Remittance facility through own Bank
Demand Drafts (DD) / Pay Orders (PO) payable at HDFC Bank Locations (issued from any branch)Free 40 DD/PO per month. Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and Max ₹ 3000/-  per instrument beyond free limit
DD/PO-Cancellation/Revalidation₹60 per instance
NEFT Transactions
Payments(At branch)Free on NetBanking & Mobile Banking;
Branch Banking =
Up to ₹10K: ₹2 per transaction,
Above ₹10K up to ₹1 Lakh: ₹4 per transaction,
Above ₹1 Lakh up to ₹2 Lakh: ₹14 per transaction,
Above ₹2 Lakh: ₹24 per transaction
CollectionsFree
RTGS Transactions :
Payments(At branch)Free on NetBanking & Mobile Banking;
Branch Banking = 
₹2 Lakh to ₹5 Lakh: ₹20 per transaction,
Above ₹5 Lakh: ₹45 per transaction
CollectionsFree
NEFT/RTGS payments are free through netbanking
Local Transactions (At home branch location)
Local cheques collections & paymentsFree
Account to Account Fund Transfer within HDFC BankFree
Anywhere Transactions
Payments at HDFC Bank LocationsFree
Account to Account fund Transfer within HDFC Bank LocationFree
Collection at all HDFC Bank LocationsFree
Bulk Transactions (Monthly Limit)Free up to 250 transactions; Charges @ ₹35 per transaction beyond free limits
Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)₹ 1.50 per ₹ 1000/- Minimum ₹ 50/- per DD
DD-Cancellation / Revalidation₹ 100/- per instrument
Cheque Collection
Outstation Cheque Collection at Clean Location
Instrument ValueCharges
Upto ₹ 25,000/-₹ 50/- per instrument
Above ₹ 25,000/- and upto ₹ 1,00,000/-₹ 100/- per instrument
Above ₹ 1,00,000/-₹ 150/- per instrument
Bouncing of cheques- Local
Cheques Drawn on us
Due to Insufficient Funds

Upto 2 instruments per month ₹ 500/- per instrument; on 3rd onwards ₹ 750/- per instrument
Due to funds transfer cheque return - ₹ 350/- per instrument

Due to Technical Reasons

₹ 50/- per instrument (e.g. - Date not mentioned, post-dated, sign mismatch, etc.)

Cheques Deposited Returned Unpaid

Local & Outstation - ₹ 200/- instrument

Doorstep Banking (Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details)
Cash Pickup Charges (within municipal city limits)
Upto Rs 1 lacRs 200/- per pickup
Beyond Rs 1 lac and upto Rs 2 lacRs 225/- per pickup
Beyond Rs 2 lac and upto Rs 4 lacRs 350/- per pickup
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager
Cash Transactions
Cash Deposit

Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit)

Free up to 10 times of Current Month AMB or 50 transactions, whichever is lower 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
Limit on Inter-Branch deposits (Within Home Branch CityCash deposit at non home Branches within home branch city subject to maximum of ₹ 1,00,000/- per account per day
Cash Withdrawal
Cash Withdrawal-Home BranchFree at Home Branch
Cash Withdrawal-Non Home Branch-Intracity & IntercityFree cash withdrawals upto ₹ 50,000/- per day, beyond which charges @ ₹ 2/- per ₹ 1000/-, min ₹ 50/- per transaction (Only for incremental amount), Third party cash withdrawal allowed only up to maximum ₹ 50,000/- per transaction.
Miscellaneous
Balance enquiryFree
TDS CertificateFree
Balance Confirmation Certificate₹ 100/-
Interest Certificate₹ 100/-
Cheque Status per instanceFree
Photo Verification₹ 100/- per instance
Address ConfirmationFree
Signature Verification₹ 100/- per instance
Setting up of Standing InstructionsNil
Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address)₹ 50/- per instance
SI rejectsUpto 3 returns - 250/instance
4th return onward 750/instance
ECS (Debit) Return Charges
(Quarterly Charges)
Upto 3 returns - ₹ 350/ instance
4th return onward ₹ 750 /instance
Old Records / Copy of Paid Cheque
₹200 per record
Common Charges for Debit / ATM Cards
Replacement of damaged cardFree
Replacement of Lost card₹ 200/-
Copy Retrieval Request₹ 100
Re-Issuance of PINFree through ATM/Net Banking, Rs. 50/- in case of Physical PIN
ATM Usage
ATM Txns (@ HDFC Bank ATM)Unlimited Free

ATM Txns -  Financial & Non-Financial 

(@ HDFC Bank ATM)

Maximum of 5 Txns Free in a month with a cap of Maximum 3 free Txns in Top 6 cities @ Non-HDFC Bank ATM

(Txns 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.
InstaAlert / Mobile Banking
Insta AlertNil
Other Current Account facilities
Stop Payment Charges
Particular cheque

₹ 100/- (Free through Net Banking and Phone Banking)

Range of cheques

₹ 200/- (Free through Net Banking and Phone Banking)

Account Closure:
Up to 14 daysNo Charge
15 days to 6 months₹ 1,000/-
6 months upto 12 months₹ 500/-
Beyond 12 monthsNo Charge
Activation of Dormant/inoperative accountNo Charge
Charges on all IMPS Outgoing transactions:
Up to ₹1000₹2.5
Above ₹1000 up to ₹1 Lakh₹5
Above ₹1 Lakh up to ₹2 Lakh₹15

All charges are exclusive of GST as applicable from time to time

+For accounts maintaining AMB less than Rs.75,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement

**Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.

Download Fees & Charges effective 1st August'25

Fees and Charges (Past Records)
Click here to view Fees & Charges for Flexi Current Account before 1st January’ 2016 Click here to view change in Fees & Charges for Flexi Current Account before 1st March’ 2015 Click here to view Fees & Charges for Flexi Current Account before 1st December, 2014 Click here to view Fees & Charges for Flexi Current Account before 1st November, 2013 Click here to view charges applicable before 1st September,2010 Download Fees & Charges effective 1st November'22 Download fees & charges effective 1st October'23 Download Fees & Charges effective 1st December'24