Enclosed below are HDFC Bank Trade Current Account fees and charges

Fees & Charges for Trade Current Account effective 1st October, 2023

Description of ChargesTrade Current Account
Average Quarterly Balance
Rs.40,000/- (AQB)
Non-Maintenance Charges (per Quarter/Month/half yearly)Rs.2400/- per quarter
Mode of calculation of minimum average quarterly balanceAverage of daily closing balances of each day spread over a period of three months.
Cheque Book Charges (Issued by Bank)

( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.)

200 cheque leaves Free per month. Charges Rs 3/- per leaf beyond 200 leaves
Free Monthly Cheque Leaves200
Other Current Account facilities
Account StatementFree (Monthly)+
Duplicate/Adhoc Statement
Requests through Direct Banking ChannelsRs.50/- per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR)
At branch or PhoneBanking (Non-IVR)Rs.100/- per statement through Branch; Rs.75/- per statement through PhoneBanking (Non-IVR)
Remittance facility through own Bank
Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DDFree up to 30 DDs per month. Above 30 DD's, charges @ Rs. 25/- per Demand draft
Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate POFree up to 30 PO per month. Above 30 PO's, charges @ Rs. 25/- per Pay-order
Issuance of DD/ PO through PhoneBankingAll standard charges for DD / PO are applicable as above.
Only DD / PO amount upto Rs 500,000/- are accepted at Phonebanking.
DD/PO-Cancellation/RevalidationRs.50/- per instrument
DD/PO at Bank location
Free up to 30 DD/ POs each per month
NEFT Transactions  :
Payments(At branch)Upto Rs. 1 Lakh - Rs. 2 + GST; Above Rs. 1 Lakh - Rs. 10 + GST 
RTGS Transactions :
Payments(At branch)Above Rs. 2 Lakh - Rs. 15 + GST 
CollectionsFree through Netbanking
NEFT/RTGS payments are free through NetBanking
Local Transactions (At home branch location)
Local cheques collections & paymentsFree
Account to Account Fund Transfer within HDFC BankFree
Anywhere Transactions
Account to Account Fund Transfer within HDFC BankFree
Payments at HDFC Bank LocationsFree
Collections at HDFC Bank LocationsFree
Bulk Transaction limit150
Remittance facility through other Bank
Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)Rs.2 per Rs.1000/- Minimum Rs.50/- per DD
DD-Cancellation / RevalidationRs.100/- per instrument
Cheque Collection
Outstation Cheque Collection at Bank Locations
Instrument ValueCharges
Upto Rs 1,00,000/-Rs 25/- per instrument
Above Rs 1,00,000/- and upto Rs 2,00,000/-Rs 50/- per instrument
Above Rs 2,00,000/- and upto Rs 3,00,000/-Rs 100/- per instrument
Above Rs 3,00,000/-Rs 150/- per instrument
Outstation Cheque Collection at Correspondent Bank Location and Clean Location (Non-Corr Bank Location) and Non-MICR cheque
Instrument ValueCharges
Upto Rs 25,000/-Rs 50/- per instrument
Above Rs 25,000/- and upto Rs 1,00,000/-Rs 100/- per instrument
Above Rs 1,00,000/-Rs 150/- per instrument
Cheque Collection through Speed Clearing
Instrument ValueCharges
Upto Rs.100,000/-Free
Above Rs.100,000/-Rs. 40/- per instrument
Bouncing of cheques- Local
Cheques Drawn on us
Due to Insufficient Funds

Upto 2 instruments per month ₹ 500/- per instrument; on 3rd onwards ₹ 750/- per instrument
Due to funds transfer cheque return - ₹ 350/- per instrument

Due to Technical Reasons

₹ 50/- per instrument (e.g. - Date not mentioned, post-dated, sign mismatch, etc.)

Cheques Deposited Returned Unpaid

Local & Outstation - ₹ 200/- instrument

Doorstep Banking **
Cash Pickup Charges (within municipal city limits)
Upto Rs 1 lacRs 200/- per pickup
Beyond Rs 1 lac and upto Rs 2 lacRs 225/- per pickup
Beyond Rs 2 lac and upto Rs 4 lacRs 350/- per pickup
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager
Cash Transactions
Cash Deposit

Combined Cash Deposit Limit @ any HDFC Bank Branches (monthly)

Free upto ₹ 5 lacs per month or 40 transactions (whichever is breached first); Charges @ ₹ 3.5/- per ₹ 1,000/-, minimum ₹ 50/- per transaction beyond free limits.

Cash deposit in low denomination notes i.e. Rs 50 and below @ any HDFC Bank Branch (monthly)
1. Cash deposit in notes =Free up to Rs 10,000/- per month, beyond free limit chargeable at 2% of cash deposit in low denomination notes
2. Cash deposit in coins = Free up to Rs 1,000/- per month, beyond free limit chargeable at 5% of cash deposit in coins
Limit on Inter-Branch deposits (Within Home Branch CityCash deposit at non home Branches within home branch city subject to maximum of Rs.50,000/- per account per day
Free Cash Deposit Limit will lapse for the accounts where AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customer will be charged from 1st transaction for cash deposit.
Cash Withdrawal
Cash Withdrawal - Home BranchFree
Cash Withdrawal - Non Home BranchRs. 50,000/- per day
Balance enquiryFree
TDS CertificateFree
Balance ConfirmationRs.100/-
Interest CertificateRs. 100/-
Cheque Status per instanceFree
Photo VerificationRs 100/- per instance
Address ConfirmationFree
Signature VerificationRs 100/- per instance
Setting up of Standing InstructionsNil
Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address)Rs 50/- per instance

Re-generation of Phone Banking TIN (request received at branch for physical dispatch)


Re-generation of IPIN (request received at branch for physical dispatch)

₹ 40/- per request

SI rejectsUpto 3 returns - Rs 250/ instance
4th return onward Rs 750/ instance
ECS (Debit) Return Charges
(Quarterly Charges)
Upto 3 returns - Rs. 350/ instance
4th return onward Rs. 750 /instance
Old Records / Copy of Paid Cheque
Rs.80 per record
Certificate of Balance
Current YearFree
Previous YearRs. 250/-
Common Charges for Debit / ATM Cards
Replacement of damaged cardFree
Replacement of Lost cardRs.200/-
Copy Retrieval RequestRs.100
Re-Issuance of PINRs.50 (plus taxes)
Stop Payment Charges
Particular cheque

₹ 100/- (Free through Net Banking and Phone Banking)

Range of cheques

₹ 200/- (Free through Net Banking and Phone Banking)

Account Closure:
Up to 14 daysNo Charge
15 days to 6 monthsRs 1,000/-
6 months upto 12 monthsRs 500/-
Beyond 12 monthsNo Charge
InstaAlert / Mobile Banking
Insta AlertNil
Transactions through PhoneBanking:
Interactive Voice Response (IVR)Free
Non-IVR Agent-assisted – for accounts maintaining AQBFree
Non-IVR Agent-assisted – for accounts not maintaining AQB as of previous quarterRs 50/- per call
Charges on all IMPS Outgoing transactions:
₹ 0 - ₹ 1000₹ 3.50/- per txn
₹ 1001 - ₹ 100000₹ 5/- per txn
Above ₹ 100000₹ 15/- per txn
Debit Cards (only for Individuals & Sole Proprietorship)
Debit CardEasyShop Business#ATM Card
Annual Fee per cardRs. 250Free
Daily ATM limitRs. 1,00,000Rs. 10,000
Daily Merchant Establishment Point of Sale limitRs. 5,00,000NA
# Also available for partnership firms & limited company current accounts. In case, the MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) have to sign the form jointly.
ATM Usage
ATM Txns (@ HDFC Bank ATM)Unlimited Free
ATM Txns (@ Non- HDFC Bank ATM)No Free Limits, Charges @ ₹ 21/- per transaction

All charges are exclusive of GST as applicable from time to time

+For accounts maintaining AQB less than Rs.40,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement

**Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.

Click here to view Fees & Charges for Trade Current Account before 1st January’ 2016 Click here to view change in Fees & Charges for Trade Current Account before 1st March’ 2015 Click here to view Fees & Charges for Trade Current Account before 1st December, 2014 Click here to view Fees & Charges for Trade Current Account before 1st November, 2013 Click here to view charges applicable before 1st September,2010 Click here to view charges applicable before 1st July 2007 Download Fees & Charges effective 1st November'22 Download fees & charges effective 1st October'23