Plus Current Account Fees & Charges for Maintenance at HDFC Bank

All You Need To Know

Enclosed below are HDFC Bank Plus Current Account fees and charges

Features		Plus Current Account
Average Quarterly Balance (AQB)		₹ 1,00,000/-
Non-Maintenance Charges (per quarter)		AQB of ₹ 50,000 or above - ₹ 1,500/- AQB less than ₹ 50,000 - ₹ 6,000/-
Daily Third Party Cash Withdrawal limit @ Non-Home Branch		Rs 50,000/- per transaction

Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB

Download Fees & Charges effective 1st December 2024

Terms and Conditions

Cash Transactions

Cash Transactions
Combined Cash Deposit Limit @ any HDFC Bank branch (Monthly)		Deposit up to ₹ 12 lakhs cash free per month or 50 transactions (whichever is breached first) at any HDFC Bank branches Charges @ ₹ 3.5 per ₹ 1,000/- , minimum ₹ 50 per txn 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 Branch		Free
Cash Withdrawal Limit @ Non Home Branch (Daily Limit)		₹ 1,00,000/- per day Charges @ ₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- txn beyond free limits
Daily Third Party Cash Withdrawal limit @ Non-Home Branch		Rs 50,000/- per transaction

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Non - Cash Transactions

Non - Cash Transactions
Local / Intercity Cheque Collection/Payments & Fund Transfer		Free
Bulk Transactions* - Monthly Free Limit		Free upto 250 txns Charges @ ₹ 30/- per transaction beyond free limits’ transaction
Cheque Leaves - Monthly Free Limit		Free upto 300 cheque leaves Charges @₹ 3/- per leaf beyond free limits
Outstation cheque collection @ Clean Location (per instrument charges)		Upto ₹ 25,000 - ₹ 50/- ₹ 25,001 to ₹ 1,00,000- ₹ 100/- Above ₹ 1,00,000 - ₹ 150/-
Demand Drafts (DD)/ Pay Orders (PO) @ Bank Location		Free 50 DD/PO per month. Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and Max ₹ 3000/- per instrument beyond free limit
Demand Drafts (DD) @ Correspondent Bank location		Charges @ ₹ 2/- per ₹ 1,000/- ; Minimum ₹ 50/- per instrument

* Bulk transactions includes count of all Cheque clearing and Fund Transfer Transactions

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Debit Cards

Debit Card	EasyShop Business#	ATM Card
Annual Fee per card	Rs. 250	Free
Daily ATM limit	Rs. 1,00,000	Rs. 10,000
Daily Merchant Establishment Point of Sale limit	Rs. 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.

*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. 

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ATM Usage

ATM Usage
ATM Txns (@ HDFC Bank ATM)		Unlimited Free
ATM Txns (@ Non- HDFC Bank ATM)		Maximum of 5 Transactions Free in a month with a cap of maximum 3 free transactions in Top 6 cities¹ @ Non-HDFC Bank ATM. Charges beyond free limits @ ₹ 21/- per transaction 1. Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities

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NEFT / RTGS / IMPS Transactions
NEFT payments	Free
RTGS payments	Free
IMPS Payments	₹ 0 - ₹ 1000	₹ 3.50/- per txn
	₹ 1001 - ₹ 100000	₹ 5/- per txn
	Above ₹ 100000	₹ 15/- per txn
NEFT / RTGS / IMPS Collections	Free

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

Plus Current Account Fees & Charges

All You Need To Know

FEATURES

ELIGIBILITY

FEES & CHARGES

FAQs

Cash Transactions

Non - Cash Transactions

NEFT / RTGS / IMPS Transactions

Debit Cards

ATM Usage

Account Closure Charges

Fees & Charges (Past Records)

Manage Your Accounts

Ways To Bank

Phone Banking

in the current economy

Plus Current Account Fees & Charges

All You Need To Know

FEATURES

ELIGIBILITY

FEES & CHARGES

FAQs

Cash Transactions

Non - Cash Transactions

NEFT / RTGS / IMPS Transactions

Debit Cards

ATM Usage

Account Closure Charges

Fees & Charges (Past Records)

Manage Your Accounts

Ways To Bank

Phone Banking

Difference Between Current Account & Savings Account

in the current economy