Government Scheme Beneficiary Savings Account Fees & Charges at HDFC Bank

All You Need To Know

TERMS & CONDITIONS

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 Charges

Savings Beneficiary Account

Minimum Average Balance Requirements

Nil

Charges applicable on non-maintenance

Nil

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 book

Free - 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 Lakhs	Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014)
Third party DD* uptoRs. 1 Lakhs	Rs. 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/revalidation

Rs. 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. 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. 10000	Rs. 5 per 1000 or part thereof (min Rs 75/- to max Rs 10,000/-)

Cheque collection - Local clearing zone

Free

Collection of outstation cheques - our bank locations

Charges for cheques drawn on Branch locations	Regular Savings Account
Upto Rs 5,000	Rs. 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 above	Rs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locations	Regular Savings Account
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	Regular Savings Account
Upto Rs 5,000	Rs. 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 above	Rs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locations	Regular Savings Account
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 /- (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 branch

Free

Balance certificate

Current year - Free; previous year - Rs. 50

Interest certificate

Rs. 50 per instance

TDS certificate

Free

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 attestation

Rs 100/- per instance ( Nil for Senior Citizens )
( w.e.f 1st July'13 )

Address confirmation

Rs 50/- per instance

Stop payment ( request from customer not to honour cheque issued ) charges

Particular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)

Standing Instructions

Rs. 25/- per transaction plus remittance charge ( w.e.f 1st July'13 )

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 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 charges

Withdrawn effective 01st March, 2017

Local cheque deposited for outstation accounts

No charge

PhoneBanking - IVR

Free

PhoneBanking - Non IVR

Free

ATM card

Free

ATM card - Replacement charges

Rs. 200 (w.e.f 1st Dec'14)

Debit Card Charges

All fees will attract taxes as applicable
Debit Card Variant	Issuance Fee	Annual/Renewal Fee	Replacement Charges
			Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16)
Rupay Premium	Lifetime Free
Regular Card	Rs. 150	Rs. 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 Titanium	Rs. 250	Rs. 250
EasyShop Titanium Royale	Rs. 400	Rs. 400
Rewards Card	Rs. 500	Rs. 500
EasyShop Platinum	Rs. 750	Rs. 750

ATM / Debit Card Card - Transaction Charge (Effective 1st Sep'19)

HDFC BANK ATMs

Other 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 ATMs

Rs. 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 charge

Rs. 50

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

BillPay

This service is free w.e.f 1st August'2011

InstaPay

Rs. 10 per transaction

Visa Money Transfer

Rs. 5 per transaction

NEFT Charges - Inward

NIL

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 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 (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 - Inward

NIL

IMPS (Immediate Payment Service) – Outward

Charges 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) - Inward

NIL

MobileBanking

NIL

NetBanking

Free

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 rejects

Rs 200/- per instance

InstaAlerts

Click here to know more

*At home branch for account holders (individuals)

Know the different types of Savings Account available with HDFC Bank