Regular Current Account

All You Need To Know

FEES & CHARGES

Enclosed below are HDFC Bank Regular Current Account fees and charges
Features		Regular Current Account
Average Quarterly Balance (AQB)		₹ 10,000/- (only Non-Metro locations)
Non-Maintenance Charges (per quarter)		₹ 1,500/-

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

Download Fees & Charges effective 1st August 2025

Terms & Conditions

Cash Transactions

Cash Transactions
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit)		Free up to ₹2 Lakh or 25 transactions (whichever is breached first) 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
Operational Limit for Cash Deposit @Non-Home Branch (per day)		₹ 10,000/-
Cash Withdrawal Limit @ Home Branch		Free
Cash Withdrawal Limit @ Non Home Branch		No free limit Charges @ ₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- txn
Daily Third Party Cash Withdrawal limit @ Non-Home Branch		Rs 50,000/- per transaction

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Non - Cash Transactions

Local / Intercity Cheque Collection/Payments & Fund Transfer		Free
Bulk Transactions* - Monthly Free Limit		Free up to 50 transactions; Charges @ ₹35 per transaction beyond free limits
Cheque Leaves - Monthly Free Limit		Charges @ ₹ 3/- per leaf
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		Nil free limit. 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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NEFT / RTGS / IMPS Transactions

NEFT Transactions through HDFC Bank Branches

Transaction Amount (INR)	Charges
Upto ₹10,000	₹2
Above ₹10,000 – Upto ₹1,00,000	₹4
Above ₹1,00,000 – Upto ₹2,00,000	₹14
Above ₹2,00,000	₹24

RTGS Transactions through HDFC Bank Branches

Transaction Amount	Charges
₹2 lakhs to ₹5 lakhs	₹20
Above ₹5 lakhs	₹45

Note: NEFT/RTGS transactions done online are free (w.e.f. 1st Nov 2017)

IMPS Transaction Charges (Online Transactions)

Transaction Amount (INR)	Charges
Upto ₹1,000	₹2.50
Above ₹1,000 – Upto ₹1 lakh	₹5
Above ₹1 lakh	₹15

*charges are excluding GST

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Debit Cards

Debit Card	EasyShop Business#	ATM Card
Annual Fee per card	Rs 350/- plus taxes	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. 
*Revised Business Debit Card charges are effective from 1st August’2024

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ATM Txns (@ HDFC Bank ATM)	Unlimited Free
ATM Txns (@ Non- HDFC Bank ATM)	No Free Limits, Charges @ ₹ 21/- per transaction

Closure: Up to 14 days		No Charge
Closure: 15 days to 6 months		₹ 500/-
Closure: 6 months to 12 months		₹ 500/-
Closure: Beyond 12 months		No Charge

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Regular Current Account

All You Need To Know

FEES & CHARGES

Cash Transactions

Non - Cash Transactions

NEFT / RTGS / IMPS Transactions

Debit Cards

ATM Usage

Account Closure Charges

Fees & Charges (past records)

Manage Your Accounts

Tools & Calculators

Ways To Bank

Phone Banking

in the current economy

Regular Current Account

All You Need To Know

FEES & CHARGES

Cash Transactions

Non - Cash Transactions

NEFT / RTGS / IMPS Transactions

Debit Cards

ATM Usage

Account Closure Charges

Fees & Charges (past records)

Manage Your Accounts

Tools & Calculators

Ways To Bank

Phone Banking

Difference Between Current Account & Savings Account

in the current economy