FEATURES

ELIGIBILITY

FEES & CHARGES


Note : 

  • Service/Transaction charges will be applied in the current month based on the AMB maintained in the account in the previous month
  • Service/Transaction charges based on non - maintainence of AMB (as specified above) do not apply to Preferred , Corporate Salary & SuperSaver customers
  • All fees and charges are exclusive of taxes. The charges mentioned in the tariff will attract Goods & Services Tax as applicable

The HDFC Bank Savings Beneficiary Account Rates & Fees are as follows:

Description of ChargesSavings Beneficiary Account
Minimum Average Balance Requirements

Nil

Charges applicable on non-maintenanceNil 
Value of Cash transactions - Self 
(Cumulative of Deposit and Withdrawal)		Home Branch - 
10 lakh ---Free per month per account.
Above 10 lakh---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/-

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/-
Cheque bookFree - 25 cheque leaves per financial year
Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook.
Issue of duplicate/adhoc statements
  • Soft Copy -
    • Current and previous year 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/-

    For Senior Citizen

    • Branch - Rs.50/-
    • PhoneBanking (Non IVR) - Rs.50/-
    • PhoneBanking (IVR), NetBanking, MobileBanking, & ATM - Rs.30/- (w.e.f 1st July'13)
Passbook issuance*Free
Duplicate passbook issuance*Rs 100/-
Managers cheques/demand drafts- Issuance/re-issuance - At HDFC Bank locations
DD/MC Issuance Charges Through Branch
Upto Rs. 10,000 - Rs. 50/-Above Rs.10,000 - Rs.5 per 1000 on entire amount (min Rs.75/- & max Rs.10,000)
Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at PhoneBanking
DD request through Netbanking
Upto Rs. 10 LakhsRs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014)
Third party DD* uptoRs. 1 LakhsRs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014)
*Third Party Registration required (customers registered for third party transfers have a maximum limit of 10 lakh per customer id and hence can issue multiple DDs of 1 lakh up to 10 lakh and send it to the beneficiary address).
Managers cheque/demand drafts - Cancellation/revalidationRs. 100
( Nil charges for Managers cheque/demand drafts - Cancellation/revalidation up to Rs.1000/-) 
( w.e.f 1st Jan 2016 )
Demand drafts issued - At non HDFC Bank locations
Rs. 50 plus charges as outlined below:
Upto Rs. 500Rs. 10
Above Rs. 500 to Rs. 1000Rs. 15
Above Rs. 1000 to Rs. 5000Rs. 25
Above Rs. 5000 to Rs. 10,000Rs. 30
Above Rs. 10000Rs. 5 per 1000 or part thereof (min Rs 75/- to max Rs 10,000/-)
Cheque collection - Local clearing zoneFree
Collection of outstation cheques - our bank locations
Charges for cheques drawn on Branch locationsRegular Savings Account
Upto Rs 5,000Rs. 25/-, 
Rs. 20/- for rural branches/senior citizens account
Rs. 5,001/- to Rs. 10,000/-Rs. 50/-, 
Rs. 40/- for rural branches / senior citizens account
Rs. 10,001/- to Rs. 1,00,000/-Rs. 100/-
Rs. 1,00,001/- and aboveRs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locationsRegular Savings Account
Upto Rs. 1,00,000No charges
Rs. 1,00,001 and aboveRs. 140 /- per instrument
Cheques drawn on Speed Clearing Branches - at CTS locationsNo 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 locationsRegular Savings Account
Upto Rs 5,000Rs. 25/-, 
Rs. 20/- for rural branches/senior citizens account
Rs. 5,001/- to Rs. 10,000/-Rs. 50/-, 
Rs. 40/- for rural branches/senior citizens account
Rs. 10,001/- to Rs. 1,00,000/-Rs. 100/-
Rs. 1,00,001/- and aboveRs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locationsRegular Savings Account
Upto Rs. 1,00,000No charges
Rs. 1,00,001 and aboveRs. 140 /- per instrument
Cheques drawn on Speed Clearing Branches - at CTS locationsNo 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 /- (Effective 1st Dec'17)
Charges due to funds transfer cheque return - Rs. 350/-
Due to technical reasons - Rs. 50/- per instance.
Cheques deposited - Returned Unpaid (Effective 1st Dec'17)Rs.200/- per instance
Balance enquiry - At branchFree
Balance certificateCurrent year - Free; previous year - Rs. 50
Interest certificateRs. 50 per instance
TDS certificateFree
Account Closure (from account opening date)Upto 14 days - Nil
15 days upto 12 months - Rs 500/- ( Rs 300/- for Senior Citizens)
Beyond 12 months - Nil
( w.e.f 1st July'13 )
Photo attestationRs 100/- per instance ( Nil for Senior Citizens )
( w.e.f 1st July'13 )
Address confirmationRs 50/- per instance
Stop payment ( request from customer not to honour cheque issued ) chargesParticular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)
Standing InstructionsRs. 25/- per transaction plus remittance charge ( w.e.f 1st July'13 )
Old records/copy of paid chequesUpto 1 year - Rs. 50 per record; above 1 year - Rs. 100 per record
Activation of dormant accountNo 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 account is equal to or above Rs 50000/- 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 16th transaction onwards. ( w.e.f 1st July'13 )
Number of Cash transactions(Cumulative of Deposit and Withdrawal)4 free cash transactions per month

5th transaction onwards - Rs.150/- per transaction would be levied
Third party Cash transaction (Cumulative of Deposit and Withdrawal)Upto a limit of Rs.25,000/- per day ---Rs.150/-  Above Rs.25,000/- not allowed 

For Senior Citizen customers, Kids/Minor Bank Accounts, while the limit of Rs.25000/- per day will be applicable , the accounts will not be charged
Cash Handling chargesWithdrawn effective 01st March, 2017
Local cheque deposited for outstation accountsNo charge
PhoneBanking - IVRFree
PhoneBanking - Non IVR
Free
ATM cardFree
ATM card - Replacement chargesRs. 200  (w.e.f 1st Dec'14)
Debit Card Charges 
All fees will attract taxes as applicable
Debit Card VariantIssuance FeeAnnual/Renewal FeeReplacement Charges



Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16)
Rupay PremiumLifetime Free
Regular CardRs. 150Rs. 150
EasyShop Women's Advantage 
(Rs.200 effective 1st March, 2018)		Rs. 200 (w.e.f 1st Mar'18)Rs. 200 (w.e.f 1st Mar'18)
EasyShop TitaniumRs. 250Rs. 250
EasyShop Titanium RoyaleRs. 400Rs. 400
Rewards CardRs. 500Rs. 500
EasyShop PlatinumRs. 750Rs. 750
ATM / Debit Card Card - Transaction Charge (Effective 1st Sep'19)
HDFC BANK ATMsOther Bank ATMs

Financial Transactions - First 5 free per month across all Cities

Non Financial Transactions - No charge

(a) In Top 6 cities** : First 3 Transactions free per month (Financial + Non Financial) 

(b) Non Top 6 cities : First 5 Transactions free per month (Financial + Non Financial) 

**Top 6 Cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs


Transactions over and above free limit will be charges as under:

  • Cash withdrawal - Rs. 20 plus taxes per transaction
  • Non-Financial Transaction - Rs. 8.5 plus taxes per transaction at Non HDFC Bank ATMs
Debit Card - Transaction charge - non HDFC Bank international ATMsRs. 25 per balance enquiry & Rs. 125 per cash withdrawal 

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
Debit Card PIN regeneration chargeRs. 50
Decline charge for insufficient balanceTransactions 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
BillPayThis service is free w.e.f 1st August'2011
InstaPayRs. 10 per transaction
Visa Money TransferRs. 5 per transaction
NEFT Charges - InwardNIL
NEFT Charges- outward (online mode)Free (effective 1st Nov'17)
NEFT charges - outward (Branch)
  • Amounts up to Rs. 10,000 - Rs.2.5 per transaction
  • Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 per transaction
  • Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 per transaction
  • Amounts above Rs.2 lakh – Rs.25 per transaction
NEFT Charges for Indo-Nepal transactionsCustomers 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 (online mode)Free (effective 1st Nov'17)
RTGS - Outward (Branch)
  • Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 per transaction
  • Above Rs 5. lakh - Rs. 50 per transaction
RTGS - InwardNIL
IMPS (Immediate Payment Service) – OutwardCharges Effective January 01, 2017 
  • Amount upto Rs 1 to Rs 1,00,000 ----Rs.5/-  per transaction
  • Amount above Rs 1,00,001 to Rs 2,00,000 ----Rs.15/- per transaction
IMPS (Immediate Payment Service) - InwardNIL
MobileBankingNIL
NetBankingFree
ECS / ACH (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.
Any deliverable returned by courier due to negative reasons (no such consignee/consignee shifted and no such address)Rs 50/- per instance
TIN re-generation (requests received at the branch for physical dispatch)Rs 50/- per instance
IPIN re-generation (requests received at the branch for physical dispatch)Rs 100/- per instance
Standing Instruction rejectsRs 200/- per instance
InstaAlertsClick here to know more

*At home branch for account holders (individuals)

Know the different types of Savings Account available with HDFC Bank