Terms and Conditions

Enclosed below are HDFC Bank Defence Salary Account Fees and Charges

Description of Charges

Defence Salary Account

Minimum Balance (Average Monthly Balance)

NIL

Charges on non maintenance thereof

NIL

PAP Cheque book

Free 25 cheque leaves per year (Financial year)
Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook

PAP Cheque book usage charges

No Charges

Issue of duplicate / adhoc statements

Soft Copy -
- Last 5 years statement through NetBanking - No charge
- eStatement on registered E-mail ID - No charge
Physical copy -
- Branch - Rs 100/-
- PhoneBanking (Non IVR) - Rs.75/-
- PhoneBanking (IVR), NetBanking, MobileBanking, & ATM - Rs.50/-

Hold Statement

Rs. 400 per year

Passbook issuance*

Free

Duplicate passbook issuance*

Rs 100/-

Managers Cheques / Demand Drafts - Issuance / Re-issuance - On HDFC Bank Locations

DD/MC Charges Through Branch
Free upto Rs.25,000 Above Rs. 25,000 Rs.5 per 1000 (min Rs 75/- & max Rs. 10,000)
DD request through Netbanking
Upto Rs. 10 Lakh	Rs .50+(Corr. Bank charges if applicable)
Third party DD upto Rs. 1,00,0000	Rs .50+(Corr. Bank charges if applicable)
*Third Party Registration required ( customers registered for third party transfers have a maximum limit of Rs. 10 lakhs per customer id and hence can issue multiple DDs of Rs. 1 lakh upto Rs. 10 lakhs and send it to the beneficiary address)

Managers Cheque/Demand Drafts - Cancellation / Revalidation

Rs 100/- (Nil cancellation / revalidation charges for Managers Cheque / DD value upto Rs.1000/-)

Demand Drafts- Issued - On Non HDFC Bank Locations

Rs. 50 plus charges as outlined below:
Upto Rs. 500	Rs. 10
Above Rs. 500 to Rs. 1000	Rs. 15
Above Rs. 1000 to Rs. 5000	Rs. 25
Above Rs. 5000 to Rs. 10,000	Rs. 30
Above Rs. 10,000	Rs. 5 per 1000

Cheque Collection - Local Clearing Zone

Free

Collection of outstation cheques - our bank locations

Charges for cheques drawn on Branch locations
Upto Rs 5,000	Rs. 25/-, Rs. 20/- for Rural branches
Rs. 5,001 to Rs 10,000	Rs. 50/-, Rs. 40/- for Rural branches
Rs. 10,001 to Rs. 1,00,000	Rs. 100/-
Rs. 1,00,001 and above	Rs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locations
Upto Rs. 1,00,000	No charges
Rs. 1,00,001 and above	Rs. 140 /- per instrument
Cheques drawn on Speed Clearing Branches - at CTS locations	No charge
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges

Collection of outstation cheques - other locations

Charges for cheques drawn on Non-Branch locations
Upto Rs 5,000	Rs. 25/-, Rs. 20/- for Rural branches
Rs. 5,001 to Rs 10,000	Rs. 50/-, Rs. 40/- for Rural branches
Rs. 10,001 to Rs. 1,00,000	Rs. 100/-
Rs. 1,00,001 and above	Rs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locations
Upto Rs. 1,00,000	No charges
Rs. 1,00,001 and above	Rs. 140 /- per instrument
Cheques drawn on Speed Clearing Branches - at CTS locations	No charge
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges

Cheque return charges drawn on us - Local

Due to insufficient funds - Each cheque return will be charged for Rs.500 /-
Charges due to funds transfer cheque return - Rs. 350/-
Due to Technical reasons - Rs.50/ per instance will be charged

Cheques deposited returned unpaid

Charge of Rs 200/- per instance would be levied

Balance Enquiry - at Branch

Free

Balance Certificate

Current year - Free, Previous year - Rs. 50

Interest Certificate

Rs. 50

TDS Certificate

Free

Account Closure (from account opening date)

Upto 14 days - No Charge
15 days upto 12 months - Rs 500/-
Beyond 12 months - No Charge

Photo Attestation

Rs 100/- per instance
NIL (For Senior Citzens)

Signature Attestation

NIL

Address Confirmation

Rs 50/- per instance

Stop Payment Charges

Particular cheque - Rs. 100/-

Range of cheques - Rs. 200/-

Free through NetBanking

Standing Instructions

Setting up Charges - NIL
Rs. 25 per transaction plus remittance charge

Unarranged overdraft

Rs 100 per Occasion + 18% Interest p.a

Old records/copy of paid cheques

Upto 1 year - Rs. 50 per record,
Above 1 year - Rs. 100 per record

Activation of dormant account

No charges

Branch transactions (Includes only Cheque deposit/Cheque issuance/Funds Transfer Debit/NEFT/RTGS)
(Charges over and above standard remittance charges for Fund Transfer / NEFT / RTGS .Remittance charges applicable starting first transaction onwards)

- In case the AMB in the previous month is equal to or above Rs 50,000/- No charges would be levied
-In case the AMB is below Rs 50,000/- 15 txn free/month would be permitted and charge of Rs 75/txn would be levied from the 16th transaction onwards

Number of Cash transactions(Cumulative of Deposit and Withdrawal)

4 free cash transactions per month

5th transaction onwards - Rs.150/- per transaction (plus taxes as applicable) would be levied

Value of Cash transactions(Cumulative of Deposit and Withdrawal)

Home Branch
2 lakh ---Free per month per account.
Above 2 lakh---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/-(plus taxes as applicable)

Non-Home Branch:
Cash transactions value upto Rs.25,000/- per day –No charge
Above Rs.25,000/- ---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/- (plus taxes as applicable)

Third party Cash transaction (Cumulative of Deposit and Withdrawal)

Upto a limit of Rs.25,000/- per day ---Rs.150/- (plus taxes as applicable) Above Rs.25,000/- not allowed

For Senior Citizen customers, Kids/Minor Accounts, while the limit of Rs.25000/- per day will be applicable , the accounts will not be charged

Cash Handling charges

Withdrawn effective 01st March, 2017

Local Cheque deposited for outstation accounts

Free

Phonebanking - IVR

Free

Phonebanking - Non IVR

Free

ATM Card

Free

ATM Card - Replacement charges

Rs. 200 (plus taxes as applicable and cess)

Debit Card - Annual Fee - Regular / Rewards

Free

Debit Card - Annual Fee - Titanium

Free

Debit Card - Annual Fee - Titanium Royale

Rs. 400 per year (plus taxes as applicable and cess)

Debit Card - Annual Fee - Times Points

Rs. 650 per year (plus taxes as applicable and cess)

Debit Card - Annual Fee - Gold / Platinum

Rs.750 per year (plus taxes as applicable and cess)

Debit Card - Annual Fee - Women's Card

Free

Debit Card - Renewal Fee - Regular / Rewards

Free

Debit Card - Renewal Fee - Titanium

Free

Debit Card - Renewal Fee - Titanium Royale

Rs. 400 per year (plus taxes as applicable and cess)

Debit Card - Renewal Fee - Times Points

Rs. 650 per year (plus taxes as applicable and cess)

Debit Card - Renewal Fee - Gold / Platinum

Rs.750 per year (plus taxes as applicable and cess)

Debit Card - Renewal Fee - Women's Card

Free

Debit Card - Replacement charges

Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 200 (plus taxes as applicable and cess) (for all card types)

ATM / Debit Card Card - Transaction Charge

HDFC BANK ATMs	Other Bank ATMs
First 5 Transactions Free across all Cities	(a) In Top 6 cities** : First 3 Transactions Free (b) Non Top 6 cities : First 5 Transactions Free
Includes both financial and non-financial transactions (includes only Balance Enquiry, Mini Statements requests and PIN change transactions) For transactions done on other bank ATMs, Maximum of 5 transactions free in a month with a cap of Maximum 3 free transactions in Top 6 Cities *Top 6 Cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs Please check with your respective Corporate Salary Manager / Branch Manager for details of the offer. Transactions over and above free limit will be charges as under: Cash withdrawal - Rs. 20 plus taxes as applicable and cess per transaction Non-Financial Transaction - Rs. 8.5 plus taxes as applicable and cess per transaction

Debit Card - Transaction Charge - Non HDFC Bank International ATMs

Rs. 25 per balance enquiry & Rs. 125 per cash withdrawal (plus taxes as applicable)

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

PIN regeneration charge

Rs. 50 (plus taxes as applicable and cess)

Decline charge for insufficient balance

Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes as applicable and cess)

Add-on Debit Card - Regular

Free

Add-on Debit Card - Rewards

500 per year (plus taxes as applicable and cess)

Add-on Debit Card - Gold Card / Platinum

Rs.750 per year (plus taxes as applicable and cess)

Add-on Debit Card - Times Points

Rs. 650 per year (plus taxes as applicable and cess)

Add-on Debit Card - Women's Card

Free

Add-on Debit Card - Titanium

Rs. 250 per year (plus taxes as applicable and cess)

Add-on Debit Card - Titanium Royale

Rs. 400 per year (plus taxes as applicable and cess)

BillPay

Free

InstaPay

Rs. 10 (plus taxes as applicable and cess) per transaction

InstaAlert

Free

Visa Money Transfer

Rs. 5 (plus taxes as applicable and cess) per transaction

NEFT Charges - Inward

NIL

NEFT Charges- outward

NEFT Through NetBanking - Free
NEFT through branches - below charges
Amounts up to Rs. 10,000 - Rs.2.5 (exclusive of taxes and cess) per transaction
Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes and cess) per transaction
Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (exclusive of taxes and cess) per transaction
Amounts above Rs.2 lakh – Rs.25 (exclusive of taxes and cess) per transaction

NEFT Charges for Indo Nepal transactions

Customers having NSBL*A/c - Rs 20/-
Customers having non-NSBL* A/c:
Upto Rs 5,000 - Rs 70/-
Above Rs 5,000 - Rs 95/-
* Nepal State Bank Ltd

RTGS - Outward

RTGS through NetBanking - Free
RTGS through branches:
Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (exclusive of taxes and cess) per transaction
Above Rs 5 Lakhs - Rs. 50 (exclusive of taxes and cess) per transaction

RTGS - Inward

NIL

IMPS (Immediate Payment Service) – Outward

Amount up to Rs. 1 lakh - Rs.5 (exclusive of taxes and cess) per transaction
Amount above Rs. 1 lakh up to Rs. 2 lakhs - Rs. 15 (exclusive of taxes and cess) per transaction

IMPS (Immediate Payment Service) - Inward

NIL

Mobilebanking

Free

Netbanking

Free

ECS / ACH (Debit) Return Charges

Rs 500/- + taxes per instance.

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

Rs 50/- per instance

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

Rs 50/- per instance

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

Rs 100/- per instance

SI rejects

Rs 200/- per instance

*at home branch for account holders (individuals)

All fees and charges,mentioned in the tariff of charges,will attract Goods & Services Tax as applicable.

Government Salary Account Terms and Conditions