Features

Eligibility

Fees & Charges

FAQs


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

Regular current account is best suited for Merchants/Traders, Service Providers & Dukaandars with local transactions (with / without requirement of ME/MPOS/MEAPP), with turnover less than ₹ 50 Lakhs.

Note: Regular current accounts are opened at Non-Metro locations only


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

AQB Requirement – ₹ 10,000/-


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

NMC charges: ₹ 1,500/- (per quarter)


What are the key features of Regular Current Account?

  • Free Cash Deposits up to ₹ 2 lakhs or 25 transactions (whichever is breached first) at any HDFC Bank Branches

  • Free local or intercity cheque collection and payments across all HDFC Bank locations.

  • 50 free Bulk transactions per month

  • Free transfer of funds across cities between HDFC Bank accounts.

  • Nil free limit for DD / PO. Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and Max ₹ 3000/- per instrument beyond free limit.

  • Free collection of funds through RTGS and NEFT

  • Get a payable-at-par cheque book at a nominal price.

  • Easy banking with facilities like NetBanking and MobileBanking that allow you to check your account balance, pay utility bills, or even stop cheque payments via SMS


What are the free limits for cash deposit?

  • Free Cash Deposits up to ₹ 2 lakhs per month or 25 transactions (whichever is breached first) at any HDFC Bank Branches


What are the free limits for cash withdrawal?

  • Unlimited cash withdrawal from Home branch

  • No free limits offered at Non-home branch


What are the free limits for issuing DDs / POs at Bank location?

Nil free limit for DD / PO. Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and Max ₹ 3000/- per instrument beyond free limit


Are free cheque leaves offered?

There are no free limits for cheque leaves, with Regular Current Account


What are the free limits for bulk transactions?

50 free Bulk transactions per month are offered.

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

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

Online NEFT/RTGS payments are free.

Through branch, NEFT payments are charged as follows:

  • Upto ₹ 1 lakh: ₹ 2/- per transaction,

  • Above ₹ 1 lakhs: ₹ 10/- per transaction

Through branch, RTGS payments are charged as follows:

  • Above ₹ 2 lakhs: ₹ 15/- per transaction
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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.