Fees and Charges before 1st March 2015

Description of Charges

Premium Current Account

Minimum Balance (Average Quarterly Balance)

Rs. 25,000/-

Non-Maintenance Charges per quarter

Charge of Rs.900/- per quarter

Mode of calculation of minimum average quarterly balance

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

Cheque Book Charges (Issued by Bank)

( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.)

Payable-at-par

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

Other Current Account facilities

Account Statement

Free (Monthly)⁺

Duplicate/Adhoc Statement

Requests through Direct Banking Channels

Rs.50/- per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR)

At branch or PhoneBanking (Non-IVR)

Rs.100/- per statement through Branch; Rs.75/- per statement through PhoneBanking (Non-IVR)

Hold Statement Facility

Rs.400/- per year

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

Free

Payments at HDFC Bank Locations

Free

Collections at HDFC Bank Locations

Free

Bulk Transaction Charges

All transactions are subject to a maximum of 75 transactions per month, beyond which charges @ Rs.10/- per transaction would be levied. Includes all Local / Anyhwere clearing and Funds 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/-

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 and Clean Location (Non-Corr Bank Location) and Non-MICR cheque

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	Free
Above Rs.100,000	Rs.140/- per instrument

Bouncing of cheques- Local

Cheques Drawn on us

Due to Insufficient Funds

Upto 2 instruments per month- Rs.300 per instrument. On 3rd / 4th & 5th instrument - Rs.500 per instrument 6th Instrument onwards- Rs.750 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. 50/- per instance

Outstation

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

Cash Transactions

Cash Deposit

Cash Deposit-Home Branch Location

Free upto Rs.3 lacs per month or 25 transactions, whichever is lower. Deposit in excess of Rs.3 lacs or 25 transactions will be charged @ Rs.3 per 1000, minimum Rs.50

Limit on Inter-Branch deposits (Within Home Branch City

Cash deposit at non home Branches within home branch city subject to maximum of Rs.25,000 per account per day

Cash Deposit -Non Home location

Maximum Rs.25,000/- per day. Charges @ Rs. 3.50/1000, min Rs. 50

Cash Withdrawal

Cash Withdrawal-Home Branch

Free at Home Branch

Cash Withdrawal-Non Home Branch-Intracity & Intercity

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.

Miscellaneous

Balance enquiry

Rs.25/-

TDS Certificate

Free

Balance Confirmation Certificate

Rs.50/-

Interest Certificate

Rs. 50/-

Cheque Status per instance

Rs. 25/-

Photo Verification

Rs 100/- per instance

Address Confirmation

Rs 100/- per instance

Signature Verification

Rs 100/- per instance

ECS (Debit) Return Charges

- Rs 350/- would be levied on first instance of ECS return in a quarter.
- Rs 750/- would be levied, second instance onwards in the same quarter.

Setting up of Standing Instructions

Nil

Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address)

Rs 50/- per instance

TIN/IPIN Regeneration (requests received at the branch for physical dispatch)

Rs 50/- per instance

SI rejects

Rs 200/- per instance

Old Records / Copy of Paid Cheque

Upto 1 Year

Rs.50 per record

Above 1 Year

Rs.100 per record

Common Charges for Debit / ATM Cards

Replacement of damaged card

Free

Replacement of Lost card

Rs.200/-

Copy Retrieval Request

Rs.100

Re-Issuance of PIN

Rs.50 (plus taxes)

ATM Usage:

Transacton Type	Balance Inquiry	Cash Withdrawal
HDFC Bank ATMs	Free	Free
Non-HDFC Bank ATMs
Domestic	On all transactions ( Financial + Non financial ), Charges applicable @Rs.20/- per transaction
International* *The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction	Rs.15/- per transaction	Rs.110/- per transaction

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

Rs. 25 per transaction

Stop Payment Charges

Particular cheque

Rs.50/- (FREE through Phone Banking)

Range of cheques

Rs.100/- (FREE through Phone Banking)

Account Closure:

Up to 14 days

No Charge

15 days to 6 months

Rs 500/-

6 months upto 12 months

Rs 250/-

Beyond 12 months

No Charge

InstaAlert / Mobile Banking

Insta Alert

Rs 25/- per quarter

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

Slabs (Rs)	Charges Exclusive of service tax (Rs)
Charges on all IMPS Outgoing transactions:
1 to 10,000	3.5
Above 10,000 to 1 Lakhs	5
Above 1 Lakh to 2 Lakhs	15
Debit Cards (only for Individuals & Sole Proprietorship)

Debit Card	Easy Shop				ATM Card
Debit Card	Business#	Regular	Gold	Woman's	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"

Fees & Charges before 1st March, 2015