Fees and Charges for Premium Current Account effective 1st 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

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

Monthly Account Statement+

Free

Issue of Duplicate / Adhoc Statement

Branch: Rs 100/- per statement Phone Banking i)Non IVR : Rs 50/- per statement
ii)IVR: Rs 30/- per statement
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

Free

Payments at HDFC Bank Locations

Free

Collections at HDFC Bank Locations

Free up to Rs.15 lacs per month, beyond which charges @ Rs. 1.50/1000, min Rs. 25/- per transaction.

Bulk Transaction Charges

All transactions are subject to a maximum of 75 transactions per month, beyond which charges @ Rs.8/- 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	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.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, 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 & 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.

Miscellaneous

Balance enquiry

Rs.25/-

TDS Certificate

Free

Balance Confirmation

Rs.50/-

Interest Certificate

Rs. 50/-

Cheque Status per instance

Rs. 25/-

Photo attestation

Rs.50/-

Address Confirmation

Rs.50/-

Signature attestation

Rs. 50/-

Setting up of Standing Instructions

Rs. 150/-

Old Records / Copy of Paid Cheque

Upto 1 Year

Rs.50 per record

Above 1 Year

Rs.100 per record

Certificate of Balance

Current Year

Free

Previous Year

Rs. 250/-

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.50 (plus taxes)

Transaction Charge--HDFC Bank ATM's

Balance Inquiry - Free

Cash Withdrawal - Free

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

Domestic

Balance Inquiry - Free

Cash Withdrawal - Rs.20 per transaction

International

Balance Inquiry - Rs.15 per transaction

Cash Withdrawal - 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.100/-

More than 6 months

No Charge

Activation of Dormant/inoperative account

No Charge

InstaAlert / Mobile Banking

Insta Alert

Rs 50/- 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

ECS (Debit) Return Charges

Rs 200 (plus taxes)

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"

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.

For accounts maintaining AQB less than Rs.25,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement

**Available at Select locations.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 for Premium Current Account effective 1st September, 2010