FEES & CHARGES


Enclosed below are HDFC Bank Max Current Account fees and charges


Description of ChargesMax Current Account
Average Quarterly BalanceRs.5,00,000/- (AQB)
Non-Maintenance Charges (per Quarter/Month/half yearly)Rs. 2,50,000 & above - Rs. 3,000 per quarter
Less than Rs.2,50,000 - Rs.8,000 per quarter
Mode of Calculation of Minimum Average Quarterly BalanceAverage of daily closing balances of each day spread over a period of 3 months.
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
500 cheque leaves Free per month. Charges Rs. 3/- per leaf beyond 500 leaves
Free Monthly Cheque Leaves500
Other Current Account facilities
Account StatementFree (Monthly)+
Duplicate / Adhoc Statement
Requests through Direct Banking ChannelsRs.50/- per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR)
At branch or PhoneBanking (Non-IVR)Rs.100/- per statement through Branch; Rs.75/- per statement through PhoneBanking (Non-IVR)
Remittance facility through own Bank
Demand Drafts (DD)
Payable at HDFC Bank
Locations (Issued from
Any branch)/ Duplicate DD
Free
Pay Orders (PO) - on
HDFC Bank Locations
(Issued from
Any branch)/ Duplicate PO
Free
Issuance of DD / PO
Through PhoneBanking
All standard charges for DD / PO are applicable as above
Only DD amount upto Rs. 5,00,000 for Current Max Accountholders accepted at Phone Banking.
DD/PO-Cancellation/RevalidationRs.100/- per instrument
DD/PO at Bank locationUnlimited Free 
NEFT/EFT Transactions :
PaymentsFree
CollectionsFree
RTGS Transactions :
PaymentsFree
CollectionsFree
Local Transactions (At home branch location)
Local cheques collections & paymentsFree
Account to Account Fund Transfer within HDFC BankFree
Anywhere Transactions
Account to Account Funds Transfer within HDFC BankFree
Payments at HDFC Bank LocationsFree.
Collections at HDFC Bank LocationsFree
Bulk Transaction limitAll above transaction are subject to a maximum of 500 transaction per month beyond which charges @ Rs.30/- per transaction would be levied. Includes all Local/Anywhere clearing & Funds transfer transactions
Remittance facility through other Bank
Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument
DD-Cancellation / RevalidationRs.50/- per instrument
Cheque Collection
Outstation Cheque Collection at Clean Location
Instrument ValueCharges
Upto Rs 25,000/-Rs 50/- per instrument
Above Rs 25,000/- and upto Rs 1,00,000/-Rs 100/- per instrument
Above Rs 1,00,000/-Rs 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
Free limit: Upto 5 return per month

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 Limit @ any HDFC Bank Branches (monthly)

Higher of ₹ 60 lacs per month or 10 times the current month AMB or 60 transactions, whichever is breached first; (subject to a maximum monthly free limit of ₹ 200 Lacs.), beyond free limit charges at ₹ 3.5 per ₹ 1000; minimum of ₹ 50 per transaction.

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 branchesMax Cash Deposit limit at non-home branches is subject to a limit of Rs.3 Lac per day
Free Cash deposite Limit will lapse for the account if AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customer will be charged from 1st transaction of cash deposit.
Cash Withdrawal
Cash Withdrawal - Home BranchFree at Home Branch
Cash Withdrawal-Non Home Branch-Intracity & IntercityFree cash withdrawals upto Rs.50,00,000/- per month, beyond which charges @ Rs.2 per 1000, min Rs.50/-per transaction on incremental amount; Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction.
Miscellaneous
Balance enquiryFree
TDS CertificateFree
Balance Confirmation CertificateRs.100/-
Interest CertificateRs. 100/-
Cheque Status per instanceFree
Photo VerificationRs 100/- per instance
Address ConfirmationFree
Signature VerificationRs 100/- per instance
ECS (Debit) Return Charges
(Quarterly Charges)
Upto 3 returns - Rs. 350/ instance
4th return onward Rs. 750 /instance
Setting up of Standing InstructionsNil
Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address)Rs 50/- per instance

Re-generation of IPIN (request received at branch for physical dispatch)

Rs 40/- per request
SI rejectsUpto 3 returns - 250/instance
4th return onward 750/instance
Old Records / Copy of Paid Cheque
Rs.80 per record
Common Charges for Debit / ATM Cards
Replacement of damaged cardFree
Replacement of Lost cardRs.200 /-
Copy Retrieval RequestRs.100
Re-Issuance of PINRs.50 (plus taxes)
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)

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 monthsRs 2,000/-
6 months upto 12 monthsRs 1,000/-
Beyond 12 monthsNo Charge
Activation of dormant/inoperative accountNo Charge
InstaAlert / Mobile Banking
Insta AlertNil
Transactions through PhoneBanking:
Interactive Voice Response (IVR)Free
Non-IVR Agent-assisted -for accounts maintaining AQBFree
Non-IVR Agent-assisted - for accounts not maintaining AQB as of previous quarterRs 50/- per call
Charges on all IMPS Outgoing transactions:
₹ 0 - ₹ 1000₹ 3.50/- per txn
₹ 1001 - ₹ 100000₹ 5/- per txn
Above ₹ 100000₹ 15/- per txn
Debit Cards (only for Individuals & Sole Proprietorship)
Debit CardEasyShop Business#ATM Card
Annual Fee per cardRs 350/- plus taxesFree
Daily ATM limitRs. 1,00,000Rs. 10,000
Daily Merchant Establishment Point of Sale limitRs. 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.

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

+For accounts maintaining AQB less than Rs.500,000/- 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.

*Revised Business Debit Card charges are effective from 1st August’2024

Click here to view Fees & Charges for Max Current Account before 1st November' 2022 Click here to view Fees & Charges for Max Current Account before 1st January' 2016 Click here to view change in Fees & Charges for Max Current Account before 1st March’ 2015 Click here to view Fees & Charges for Max Current Account before 1st December, 2014 Click here to view Fees & Charges for Max Current Account before 1st November, 2013 Click here to view charges applicable before 1st July, 2012 Click here to view charges applicable before 1st January, 2012 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