Enclosed below are HDFC Bank ULTIMA Current Account fees and charges
Fees & Charges for ULTIMA Current Account w.e.f 1st October 2023.

Description of ChargesUltima Current Account
Average Quarterly Balance₹  20,00,000 (AQB)
Non-Maintenance Charges (per Quarter/Month/half yearly)₹  10,00,000 & above - ₹ 10,000 per quarter
Less than ₹ 10,00,000 - ₹ 15,000 per quarter

Remittances using Cheque/Fund Transfer:
Local Transactions (At home branch location)
Local cheques collections & paymentsFree for unlimited value
Account to Account Fund Transfer within HDFC BankFree for unlimited value
Intercity Transactions
Account to Account Fund Transfer within HDFC BankFree for unlimited value
Intercity Cheque Payments at HDFC Bank Locations (Outside Home Branch City)Free for unlimited value
Clearing Transactions- Collections at HDFC Bank LocationsFree for unlimited value
Bulk Transaction Charges:
Bulk Transaction limit2000
Transaction Charge for remittancesAll above transaction are subject to a maximum of 2000 transaction per month beyond which charges @ ₹ 30 per transaction would be levied. Includes all Local/Anywhere clearing & Funds transfer transactions
Demand Drafts(DD) and Pay Orders(PO):
Pay Orders payable on HDFC bank Locations (Issued from any branch)Free
Demand Drafts payable on HDFC bank Locations (Issued from any branch)Free
Demand Drafts Payable on Non-Branch Locations (Correspondent Bank tie-up)Free up to 30 lacs per month beyond which charges at ₹ 2 per 1000; minimum of ₹ 50 per instrument
DD/PO-Cancellation₹ 50 per instrument
DD/PO at Bank location
Unlimited Free
NEFT PaymentsFree
NEFT CollectionsFree
RTGS PaymentsFree
RTGS CollectionsFree
Outstation Cheque Collection
Outstation Cheque Collection at HDFC Bank LocationsFree
Outstation Cheque Collection at Correspondent Bank LocationsInstrument Value: Up to ₹ 35,000: ₹50 per instrument; Above ₹ 35,000 and up to ₹ 1 Lac: ₹ 100 per instrument; Above ₹ 1Lac: ₹ 150 per instrument
Outstation Cheque Collection at Clean Locations (Non-Correspondent Bank Locations) and Non-MICR ChequesInstrument Value: Up to ₹ 25,000: ₹ 50 per instrument; Above ₹ 25,000 and up to ₹ 1 Lac: ₹ 100 per instrument; Above ₹ 1Lac: ₹ 150 per instrument
Collections through Speed ClearingFree
Cash Deposit

Combined Cash Deposit Limit @ any HDFC Bank Branches (monthly)

Higher of ₹ 250 lacs and 8 times the previous month AMB or 100 transactions (whichever is breached first); beyond free limit, charges at ₹ 3.5 per ₹ 1000; minimum of ₹ 50. per transaction.

Cash deposit in low denomination notes i.e. Rs 50 and below @ any HDFC Bank Branch (monthly)1. Cash deposit in notes = Free up to ₹ 10,000/- per month, beyond free limit chargeable at 2% of cash deposit in low denomination notes
2. Cash deposit in coins = Free up to ₹ 1,000/- per month, beyond free limit chargeable at 5% of cash deposit in coins
Operational limit for Cash Deposit -Non Home branchesMax Cash Deposit limit at non-home branches is subject to a limit of ₹ 5 Lac per account per day
Free Cash deposite Limit will lapse for the account if AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customer will be charged from 1st transaction of cash deposit.
Cash Withdrawal
Cash Withdrawal - Home BranchFree
Cash Withdrawal - Non Home Branch75 Lacs per month
Cheque Book Charges
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 cheques. Free 1500 cheque leaves per month. Charges ₹ 3 per leaf Beyond 1500 leaves
Free Monthly Cheque Leaves1500
ATM Usage
ATM Txns (@ HDFC Bank ATM)Unlimited Free

ATM Txns -  Financial & Non-Financial 

(@ HDFC Bank ATM)

Maximum of 5 Txns Free in a month with a cap of Maximum 3 free Txns in Top 6 cities @ Non-HDFC Bank ATM

(Txns done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities)

Charges on all IMPS Outgoing transactions:
₹ 0 - ₹ 1000₹ 3.50 per txn
₹ 1001 - ₹ 100000₹ 5 per txn
Above ₹ 100000₹ 15 per txn
DEBIT CARDS (only for Individuals & Sole Proprietorship)
Debit CardEasyShop Business#ATM Card
Annual Fee per cardRs 350/- plus taxesFree
Daily ATM limit₹ 1,00,000₹ 10,000
Daily Merchant Establishment Point of Sale limit₹  5,00,000NA
# 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.
​​​​​​​*Revised Business Debit Card charges are effective from 1st August’2024
Easy Shop Regular – Add OnAnnual Fee Waived for the first year for additional card . Subsequent cards will be charged at Rs.100/- p.a.
Easy Shop Gold – Add On₹ 500 p.a
Easy Shop Woman's – Add On₹ 100 p.a
Easy Shop Platinum's – Add On₹ 500 p.a
Easy Shop Titanium's – Add On₹ 250 p.a.
Transaction declined at other Bank' ATM or Anywhere in the world or at a merchant outlet outside India due to insufficient funds will be charged at Rs.25 per transaction. The bank will charge a cross currency mark-up of 3% on foreign currency transactions carried out on debit cards.
Common Charges for all products:
Cheque Return Charges
Cheques Drawn on us
Due to Insufficient Funds

Up to 2 instruments per month ₹ 500/- per instrument; on 3rd onwards ₹ 750/- per instrument
Due to funds transfer cheque return - ₹ 350/- per instrument

Due to Technical Reasons

₹ 50/- per instrument (e.g. - Date not mentioned, post-dated, sign mismatch, etc.)

Cheque deposited returned unpaid

Local & Outstation - ₹ 200/- instrument
Free limit: Up to 5 return per month

Stop Payment Charges:
Particular Cheques

₹ 100/- (Free through Net Banking and Phone Banking)

Range of cheques

₹ 200/- (Free through Net Banking and Phone Banking)

Account statementFree (Monthly) +
Fax of last nine transactions statement through PhoneBankingFree
Duplicate/Adhoc Statement
Requests through Direct Banking Channels₹ 50 per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR)
At branch or PhoneBanking (Non-IVR)₹ 100 per statement through Branch; ₹ 75 per statement through PhoneBanking (Non-IVR)
Account Closure:
Up to 14 daysNo Charge
15 days to 6 months₹  2,000
6 months up to 12 months₹  1,000
Beyond 12 monthsNo Charge
Deliverables Related Charges
Any deliverable returned by courier due to negetive reasons(no such consignee/ consignee shifted and no such address)₹ 50 per instance
Standing Instructions
Setting up of Standing InstructionsNil
Standing Instructions rejectsUp to 3 returns - 250/instance
4th return onward 750/instance
ECS (Debit) Return Charges
(Quarterly Charges)
Up to 3 returns - ₹ 350/ instance
4th return onward ₹ 750 /instance
Old Records / Copy of Paid Cheque
₹ 80/- per record
Transactions through PhoneBanking:
Interactive Voice Response (IVR) and Agent assistedFree
Re-generation of Phonebanking(TIN)at branch or Phone BankingFree
Bill Pay and InstaAlert
Bill PayFree
Account Services at Branch:
Balance InquiryFree
TDS CertificateFree
Balance Confirmation Certificate₹ 100
Interest Certificate₹ 100
Cheque Status per instanceFree
Signature Verification₹ 100
Address ConfirmationFree
Photograph verification₹ 100
Doorstep Banking $
Cash Pick up charges(within municipal limits)
Up to Rs 1 lac₹ 200 per pickup
Beyond ₹ 1 lac and up  to ₹ 2 lac₹ 225 per pickup
Beyond ₹ 2 lac and up to ₹ 4 lac₹ 350 per pickup
Cash pick up facility beyond the above limits can be offered. For further details on charges please contact your branch manager.
Once a day free cheque pickup, beyond which cheque pick up charges** are applicable

All charges are exclusive of GST as applicable from time to time

+For accounts maintaining an AQB less than ₹ 20,00,000 as of previous quarter will be charged ₹ 25 each for next 3 monthly statements

** For cheque pickup requirement beyond once a day, please contact your branch manager

# Also available for partnership and limited company current accounts which have operating instructions 'singly'

$ Available at select locations. You need to register with the bank for availing these services. Please contact your branch manager for further details.


  • Mode of calculation of minimum account balance: Average of daily balances of each day spread over a period of three months (Calender Quarter)
  • Value added services such as cheque printing, continuous stationary, bulk DD etc will be chargeable Please contact your branch manager for further details

Click here to view Fees & Charges for Ultima Current Account before 1st November' 2022 Click here to view Fees & Charges for Ultima Current Account before 1st January' 2016 Click here to view change in Fees & Charges for Ultima Current Account before 1st March’ 2015 Click here to view Fees & Charges for Ultima Current Account before 1st December, 2014 Click here to view Fees & Charges for Ultima Current Account before 1st November, 2013 Download Fees & Charges effective 1st November'22 Download fees & charges effective 1st October'23