Fees and Charges applicable from Jan 2009 to September 2010

Description of Charges

Premium Current Account

Current Accounts with Cheque facility

Minimum Balance (Average Quarterly Balance)

Rs. 25,000/-

Non-Maintenance Charges per quarter

Charge of Rs.900/- per quarter, if AQB is less than Rs.25,000/-

Cheque Book Charges (Issued by Bank)

Payable-at-par

100 cheque leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves

Other Current Account facilities

Issue of Duplicate / Adhoc Statement

Branch: Rs 100/- per statement * Phone Banking: Rs 50/- per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM & Mobile Banking: Rs 50/- per statement.

Mode of calculation of minimum average quarterly balance

Average of daily closing balances of each day spread over a period of three months.

Remittance facility through own Bank

Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD

DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free

Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO

PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 - Rs. 25/-, Above Rs. 100,000- Free

Issuance of DD/ PO through PhoneBanking:

All standard charges for DD / PO are applicable as above. Only DD / PO amount upto Rs 500,000/- are accepted at Phonebanking.

DD/PO-Cancellation/Revalidation

Rs.50/- per instrument

NEFT/EFT Transactions :

Payments

Free

Collections

Free

RTGS Transactions :

Payments

Rs. 25/- per transaction

Collections

Free

Local Transactions (At home branch location)

Local cheques collections & payments

Free

Account to Account Fund Transfer within HDFC Bank

Free

Anywhere Transactions (except Dahej)

Account to Account Fund Transfer within HDFC Bank

Rs.15/- per transaction

Payments & Collections at HDFC Bank Locations

Free up to Rs. 25 lacs per month, Charges at Rs.1.50/1000, min Rs. 25

Bulk Transaction Charges

All transactions are subject to a maximum of 100 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactions.

Remittance facility through other Bank

Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)

Rs.2.00 per Rs.1000/- Minimum Rs.50/-

DD-Cancellation / Revalidation

Rs.50/- per instrument

Cheque Collection

Outstation Cheque Collection at Bank Locations

Instrument Value	Charges
Upto Rs 50,000/-	Rs 50/- per instrument
Above Rs 50,000/- and upto Rs 1,00,000/-	Rs 100/- per instrument
Above Rs 1,00,000/-	Rs 150/- per instrument

Outstation Cheque Collection at Correspondent Bank Location

Instrument Value	Charges
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

Outstation Cheque Collection at Clean Location

Instrument Value	Charges
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

Cheque Collection through Speed Clearing

Instrument Value	Charges
Upto Rs.100,000	Rs.150
Above Rs.100,000	Free

Bouncing of cheques- Local

Cheques Drawn on us

Due to Insufficient Funds

Rs.300/- per Instrument

Accounts not maintaining AQB as of previous quarter

Rs.350/- per Instrument

Due to Technical Reasons

No Charge

Cheques Deposited Returned Unpaid

Local

Rs.50/- per Instrument

Accounts Not maintaining AQB as of Previous Quarter

Rs.100/- per Instrument

Outstation

Rs.100/- per Instrument

Bouncing of cheques- outstation- through own bank

Rs.100/- per Instrument

Bouncing of cheques- outstation- through another bank

Rs.100/- per Instrument

Doorstep Banking **

Cash Pickup Charges (within municipal city limits)

Cash Pickup upto Rs 1 Lac

Rs 150/- per pickup

Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac

Rs 200/- per pickup

Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac

Rs 300/- per pickup

Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager

Cheque Pickup Charges

On a monthly basis

Rs 300/- per month

On a per call basis

Rs 25/- per call

Cash Transactions

Cash Deposit

Cash Deposit-Home Branch Location

Free upto Rs.3 lacs per month or 25 transactions which ever is lower, Deposit in excess of Rs.3 lacs or 25 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 25,000/- per account per day)

Cash Deposit -Non Home location

Maximum Rs.25,000/- per day. Charges @ Rs. 3/1000, min Rs. 50

Cash Withdrawal

Cash Withdrawal-Home Branch

Free at Home Branch

Cash Withdrawal-Non Home Branch-Intracity & Intracity

Free cash withdrawals upto Rs.25,000/- per day, beyond which charges @ Rs.2/1000, min Rs. 50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction.

Debit Cards (only for Individuals & Sole Proprietorship)

Debit Card	Easy Shop				ATM Card
Debit Card	Business#	Regular	Gold	Women	ATM Card
Annual Fee per Card	Rs.250/- p.a.	Rs.100 p.a.	Rs.500 p.a	Rs.100 p.a.	Free
Daily ATM Limit	Rs.50,000	Rs.25,000	Rs.50,000	Rs.25,000	Rs. 10,000
Daily Merchant Establishment Point of Sale Limit	Rs.75,000	Rs.40,000	Rs.75,000	Rs.40,000	NA
# Also available for partnership firms & limited company current accounts which have operating instructions as "Singly"

Miscellaneous

Balance enquiry

Rs.25/-

Balance Confirmation

Rs.50/-

Interest Certificate

Rs.50/-

Photo attestation

Rs. 50/-

Signature attestation

Rs. 50/-

Common Charges for Debit / ATM Cards

Replacement of damaged card

Free

Replacement of Lost card

Rs.100

Copy Retrieval Request

Rs.100

Re-Issuance of PIN

Rs.25

Transaction Charge--HDFC Bank ATM's

Balance Inquiry - Free

Cash Withdrawal - Free

Transaction Charge--Non HDFC Bank ATM's ***

Balance Inquiry - Free

Cash Withdrawal - Rs 20 per transaction

Transaction Decline Charge (at Non HDFC Bank ATM's)

Rs. 25

Stop Payment Charges

Particular cheque

Rs.50/- (FREE through Net Banking and Phone Banking*)

Range of cheques

Rs.100/- (FREE through Net Banking and Phone Banking*)

Account Closure:

Up to 14 days

No Charge

15 days to 6 months

Rs.100/-

More than 6 months

No Charge

Activation of Dormant/inoperative account

No Charge

Transactions through PhoneBanking:

Interactive Voice Response (IVR)

Free

Non-IVR-Agent assisted-For accounts maintaining AQB

Free

Non-IVR- Agent assisted - For accounts NOT maintaining AQB as of previous quarter and for transactions that are available on IVR

Rs.50/- per call

ECS (Debit) Return Charges

Rs 200 (plus taxes)

All fees & charges mentioned in the Tarriffs, Charges or Fees Brochures will attract Service Tax @ 10% & Education Cess @ 3% of the service tax amount. The same will appear as separate debits in the statements.

* Revision in charges for "Stop Payment" and "Issuance of Duplicate / Adhoc Stattement" are applicable from November 01. 2007

**You need to register with the Bank for availing these services, please contact your Branch Manager for further details.

***Charges applicable w.e.f 15th Oct '09. Inclusive of service tax and educational cess.

Fees & Charges applicable from Jan 2009 to September,2010