Vyapar Current Account

The complete business and banking solutions for merchants

Vyapar Current Account

HDFC Bank presents ‘Vyapar Current Account’, a complete business and banking solution for merchants like you.

Level Up your business growth with – 

  • Zero-balance Current Account* for sellers, retailers, vendors, and more 
  • Accept and make payments digitally with the SmartHub Vyapar app 
  • Get access to quick financing solutions with Dukandar Overdraft, collateral-backed or collateral-free Business Loans 
  • Use our Business Credit Cards and SmartHub Vyapar Prepaid Cards for various online and offline spends and save more via cashback & reward offers  
  • Protect your business from uncertainties with a range of Business Insurance solutions

*Terms & conditions apply. 

Zero Balance Current Account*

Choose from Activ, Premium, Ascent, Plus and Max Advantage Current Accounts


  • Enjoy upgraded benefits with increased balances in your Activ, Ascent & Max Advantage Current Accounts
  • Enjoy free cash withdrawal limits at your home branch
  • Get cashbacks, complimentary insurance and more with a Business Debit Card
  • Whether it is paying your vendors or making utility bill payments, seamlessly transfer money via free RTGS and NEFT payments
  • *Enjoy waiver on the Average Quarterly Balance when the volume of your Point-of-Sale, Payment Gateways and SmartHub Vyapar transactions exceed a certain specific limit

SmartHub Vyapar App

An all-in-one app for banking solutions and business growth


  • Instant, digital and paperless onboarding for merchants
  • Allow your customers to pay for your services by offering an array of payment solutions such as Scan & Pay, Tap & Pay, SMS Pay and UPI Collect
  • Make vendor and distributor payments, Goods and Services Tax (GST) payments and utility payments digitally
  • Get an instant loan of up to ₹75 lakh, with instant disbursal of pre-approved loans
  • Create offers which you can share with your customers to increase sales or promote your business through merchant campaigns using the SmartHub Vyapar app

Dukandar Overdraft

Get pre-approved overdraft facility enabled with your Current Account


  • Meet your business capital requirements with a completely digital and collateral-free Dukandar Overdraft facility
  • Pay the interest only on the utilised amount
  • Pay interest of just ₹23 per day for using ₹50,000 as overdraft
  • Get Dukandar Overdraft by providing six months’ bank statement of any bank
  • With Dukandar Overdraft, you need not worry about fixed Equated Monthly Instalments (EMIs) or commitment charges

Business Loans

Get quick and easy loans for all your business needs


  • Get up to ₹75 lakh loan without collateral, security or guarantor
  • Meet your immediate needs for Business Growth with Loan against property or Loan against Securities
  • Our Working Capital Loans facilitate uninterrupted business operations to secure your cashflows
  • Enjoy end-to-end online Car Loan application with HDFC Bank Xpress Car Loan, and avail of instant approvals and attractive interest rates
  • Meet urgent cash requirements by pledging your gold as collateral

Business Insurance

Experience next-level security with Dukandaar Suraksha policy


  • Access a multitude of General Insurance Policies from HDFC Ergo, under the Dukandaar Suraksha Policy
  • Protect your business and employees with Business Suraksha Classik & Sarv Suraksha Plus (Group) Insurance
  • Get General Insurance premiums starting from ₹2239 per annum for a ₹5 lakh sum insured
  • Protect your business premises from fire, explosions, riots, earthquakes, storms and other natural and human-made disasters
  • Enhance your plan with various riders, be it covering loss or damage to electronic equipment or infidelity/dishonesty of employee