FEATURES

ELIGIBILITY

FEES & CHARGES


Note : 

  • All fees and charges are exclusive of taxes. The charges mentioned in the tariff will attract Goods & Services Tax as applicable

Enclosed below are HDFC Bank Institutional Savings Account fees and charges

Description of ChargesInstitutional Savings Account
Minimum Balance (Average Monthly Balance)Zero
Charges on non maintenance thereofNIL
Cheque BookFree
Account Statements - FreeMonthly statements
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 - ₹ 100/-
    • PhoneBanking (Non IVR) - ₹75/-
    • PhoneBanking (IVR), NetBanking, MobileBanking, & ATM - ₹50/-
Hold Statement₹ 400 per year
Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank LocationsFree
Managers Cheque/Demand Drafts - Cancellation / RevalidationFree
Demand Drafts- Issued - On Non HDFC Bank Locations
₹ 50 plus charges as outlined below:
Upto ₹ 500₹ 10
Above ₹ 500 to ₹1000₹ 15
Above ₹ 1000 to ₹ 5000₹ 25
Above ₹ 5000 to ₹ 10,000₹ 30
Above ₹ 10,000 to ₹ 1 Lakh₹ 3 per 1000 or part thereof
Above ₹ 1 Lakh₹ 6 per 1000 or part thereof (Min ₹ 300 - to Max ₹ 10,000/-)
Cheque Collection - Local Clearing ZoneFree
Collection of outstation cheques - our bank locationsFree
Collection of outstation cheques - other locations
Charges for cheques drawn on Non-Branch locationsTrust Account
Upto Rs 10,000₹ 25/-
₹ 10,000/- to ₹ 1,00,000/-₹ 100/-
₹ 1,00,001/- and above₹ 150/-
Cheques drawn on Speed clearing branches - Free
Cheque return charges drawn on us

For the first instance in a month - ₹ 450/-
Charges due to funds transfer cheque return - ₹ 450/-
2nd instance in the same month - ₹ 500/-
3rd instance & above in the same month- ₹ 550/-

Due to Technical reasons ( eg - date not mentioned, post dated, sign mismatch etc) - ₹ 50/- per instance.
Cheques deposited returned unpaid₹ 100/-
Balance Enquiry - at BranchFree
Balance Certificate

₹ 100

Interest Certificate

₹100

TDS CertificateFree
Account Closure (from account opening date)Upto 14 days - Nil
15 days upto 6 months - ₹ 500/-
6 months upto 12 months - ₹ 500/-
Beyond 12 months - Nil
Photo Attestation₹ 100/- per instance
Signature Attestation

₹100

Address Confirmation

₹100

Stop Payment ChargesParticular Cheque - ₹ 50 (Free through PhoneBanking & NetBanking),
Range of Cheques - ₹ 100 (Free through PhoneBanking & NetBanking)
Standing InstructionsSetting up charges: Nil,
₹ 25 per transaction plus remittance charge
Old records/copy of paid cheques

₹ 80

Activation of dormant accountNo charges
Branch transactions (Includes only Cheque deposit/Cheque issuance/Funds Transfer Debit)Free
Interbranch transactions ( transaction at non account branch ) through teller counters - Funds TransferFree
Interbranch transactions including Third party (transaction at non account branch ) through teller counters - Cash transactions.Cash transactions Upto ₹ 5 lac free per day
Above ₹ 5 lac a charge of ₹ 5/- per 1,000/- will be levied on the full amount
Cash transactions at Home BranchFree
Local Cheque deposited for outstation accountsNo Charge
PhoneBanking - IVRFree
PhoneBanking - Non IVRFree
InstaPay₹ 10 (plus taxes) per transaction
Visa Money Transfer₹ 5 (plus taxes) per transaction
NEFT Charges - InwardFree
NEFT Charges- outwardFree
NEFT Charges for Indo Nepal transactionsCustomers having NSBL*A/c - ₹ 20/-
Customers having Non-NSBL* A/c:
Upto ₹ 5,000 - ₹ 70/-
Above ₹ 5,000 - ₹ 95/-
* Nepal State Bank Ltd
RTGS charges - outward (Branch)Free
RTGS - InwardFree
MobileBankingNIL
NetBankingFree
ECS / ACH (Debit) Return Charges

1st instance in a month - ₹ 450/- per txn 
2nd instance in a month- ₹ 500/- per txn
3rd instance & above in a month - ₹ 550/- per txn 

Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address)₹ 50/- per instance
TIN/IPIN Regeneration (requests received at the branch for physical dispatch)

₹ 40

Standing Instructions rejects₹ 200/- per instance
Debit CardCharges
Business#ATM Card
Annual Fee per Card₹ 250Free
Daily ATM Limit₹ 1,00,000₹ 10,000
Daily Merchant Establishment Point of Sale Limit₹ 5,00,000NA
Forex TransactionsBank 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

Mandate registration charges

₹ 40

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