Fees & Charges


What kind of customers are ideally suited to use Plus Current Account?

Plus Current Account is best suited for Traders, Manufacturers, Distributors, EXIM (export/import) customers who are involved in small - medium businesses, with turnover ranging from ₹ 1 crore upto ₹ 5 crores.

How much minimum AQB (Average Quarterly Balance) is required to be maintained for Plus Current Account?

AQB Requirement – ₹ 1,00,000/- (across all locations)

What are the charges applicable for non-maintenance of AQB?

NMC charges are as follows:-

  • ₹ 1,500/- if balance maintained >= ₹ 50,000; and

  • ₹ 6,000/- if balance < ₹ 50,000

What are the key features of Plus Current Account?

Following are the key features of Plus Current Account:

  • Free Cash deposit upto ₹ 12 lakhs or 50 transactions (whichever is breached first) at any any HDFC Bank Branches

  • Unlimited free Cash Withdrawal at Home Branch

  • Free cash withdrawal of upto ₹ 1 lakh per day at non home Branch

  • Free local/ intercity cheque collection & payment within HDFC Bank Branch locations.

  • Free payment and collection through RTGS and NEFT

  • Free upto 50 DDs / POs each, per month, payable at HDFC Bank branch locations.

  • 300 free "at-par" cheque leaves per month

  • Free payment and collection through RTGS and NEFT

  • Free monthly account statement

  • Free Insta-Alerts to alert on happening of select transactions in your account

  • Free Business Debit Card

  • Bulk payments to vendors and salary payments to employees hassle-free with ENET, our superior online banking platform. With ENET, you will get the benefits of bulk cheque / Demand Draft Printing, Salary upload, Tax payments, etc. through a single upload file. You can have multiple layers of authorisation to ensure complete control

  • Other services like Trade & Forex, CMS, POS, Payment Gateway and Doorstep Banking. Forex services include FOREX Travellers’ Cheques, FOREX Cash and a FOREX Plus Card when you travel

What are the free limits for cash deposit?

Plus current account offers the following free limits for cash deposits:

  • Free Cash deposit upto ₹ 12 lakhs or 50 transactions (whichever is breached first) at any HDFC Bank Branches

What are the free limits for cash withdrawal?

Customers are offered unlimited cash withdrawal at Home Branch.

In case of Non-home Branch, Plus current account offers free cash withdrawal upto ₹ 1 lakh per day.

What are the conditions for Zero NMC Charges?

  • Zero NMC Charges for 2nd quarter of account opening if customer is Digitally active. Digital Activation comprises of Debit Card Activation (on ATM or POS), Bill Pay usage and Net Banking or Mobile Banking active within first 2 months of account opening
  • Additional Criteria for Waiving NMC Charges provided Quarterly Credit Volume through ME/PG/MPOS is either more than or equal to 7 lacs

What are the free limits for issuing DDs / POs?

Plus Current Account offers following free limits for issuing DDs/POs:

  • DD/POs (Bank Location) – 50 DDs and 50 POs free per month

  • DD/POs (Correspondent Bank Location) – No free limits

How many free cheque leaves are offered per month?

Plus Current Account offers customers 300 cheque leaves free per month.

What are the free limits for bulk transactions?

Plus Current Account offers 250 free Bulk transactions per month

(Note: Bulk transactions include all Local & Anywhere clearing and Fund transfers)

How are electronic transactions (NEFT/RTGS/IMPS) charged?

Free NEFT / RTGS payments via both Net-banking/ Mobile-Banking and Branches

IMPS charges on outgoing transactions (through NetBanking & MobileBanking) are as follows:

  • Upto ₹ 1000 : ₹ 3.5/- per transaction,

  • Above ₹ 1000 and upto ₹ 1 lakh: ₹ 5/- per transaction

  • Above ₹ 1 lakh and upto ₹ 2 lakhs: ₹ 15/- per transaction
    (charges exclusive of GST)

What are different ways to access bank account?

Bank anytime, anywhere in person at a branch or ATM, from your laptop or mobile. Click here for more details.