Common Charges For Current Account Account Closure Charges

Balance Inquiry* `30 per instance Closure: Up to 14 days OR Closure : Beyond 12 months No Charge
Cheque status per instance* `25 For Regular & Premium : `500,
Closure: 15 days to 6 months
Balance Confirmation Certificate & Interest Certificate* `100 For Plus : `1000
Signature, Photograph Verifications* `100 For Regular & Plus : `500,
Closure: 6 months to 12 months
For Premium `250
TDS Certificate & Address Confirmation* Free
Old Records/Copy of Paid Cheque* `80 per record Cheques Deposited and Returned Unpaid
Standing Instructions (Monthly Charges) Setting Up: Nil `200 per instrument
Any deliverable returned by courier due to negative reasons Local and Outstation Free limit:
`50 per instance *Plus – Free up to 3 returns per month
(no such consignee / consignee shifted and no such address)
One time Mandate Authorisation charges (Physical/Online) Free Cheque Return Charges - Drawn on Us
Cardless Cash withdrawal `25 per transaction Up to 2 instruments per month `500 per instrument;
*
Account Services at Branch Due to Insufficient Funds
on 3rd onwards `750 per instrument
Transaction Through PhoneBanking Due to technical reasons* `50 per instrument
(e.g. - Date not mentioned, post-dated, sign mismatch, etc.)
IVR & Non IVR (Agent Assisted) Free
Particular Cheque `100, Range of Cheques `200
Re-generation of PhoneBanking TIN Stop Payment
Free (Free through Net banking and PhoneBanking)
(request received at branch for physical dispatch)
Re-generation of IPIN Fund Transfer `350 per instrument
(request received at branch for physical dispatch) `40 per request
ACH Return Charges
Bill Pay and InstaAlert 1 to 3 transactions in a month `350 per transaction
Bill Pay Free Fourth instance and beyond `750 per transaction
InstaAlert Free (E-mail & SMS) ECS (Debit) Return / Demand Draft | Pay Order Cancellation/Revalidation / Standing Instruction Charges
Duplicate / Adhoc Statement Requests ECS (Debit) Return Charges (Quarterly Charges) Up to 3 returns - `350/ instance
`50 per statement through Netbanking, 4th return onward - `750/ instance
(i) Through Direct Banking channels
Mobile Banking, Phonebanking (IVR), ATM Charges for Demand Draft / Pay Order `50 per instrument
(ii) At Branch or PhoneBanking (Non - IVR)
`100 per statement through Branch and
`75 through PhoneBanking (Non - IVR)
Cancellation/Revalidation

Standing Instructions (Monthly Charges)

Rejection: Up to 3 returns - `250/ instance Current Account
4th return onward - `750/ instance
Doorstep Banking
Terms & Conditions
Schedule of Charges
Cash Pickup Limit Per Seal Bag Cash pickup Charges
Up to 1 lac `200 per pickup • NMC Charges are not applicable for customers upgraded to Preferred Program for Plus, Premium &
• Daily Third Party Cash Withdrawal limit for Current Account at Non-Home Branch is`50,000 per transaction
> 1 lac - 2 lacs `225 per pickup
• Operating limit for Cash Deposit at Non-Home Branches is `1,00,000 per day Regular Current Account
> 2 lac - 4 lacs `350 per pickup • For Accounts maintaining an AQB less than required product AQB as of previous quarter will be charged
GST is applicable. Cash Beyond above limits can be offered. Available at select locations. You need to register with the Bank for
availing these services. Charges may vary depending upon the location. Please contact your branch manager for further details
`25/- each for next 3 monthly statements (Effective 1st November'2022)
• Free Cash deposit limit will lapse if AQB maintained is less than 75% of required Product AQB
Debit Cards (Only for Individuals & Sole Proprietor) • GST as applicable will be levied
Debit Card EasyShop Business* ATM Card • Please log on to our website - www.hdfcbank.com for updated schedule of charges and further details
• For cheque return technical reasons, please visit our website - www.hdfcbank.com > Important Messages
Annual Fee per card Free Free > Revision in Current Account Fees and Service Charges > Common Charges
Daily ATM limit `1,00,000 `10,000
GLOSSARY
Daily Merchant Establishment
`5,00,000 NA
Point of Sale limit • AQB - Average Quarterly Balance • Mode of Calculation of AQB - Average of daily closing balances
*Also available for partnership firms & limited company current accounts. In case, the MOP (Mode of Operation) of each day spread over a period of 3 months (calendar quarter) • AMB - Average Monthly Balance
is conditional, all AUS (Authorized Signatories) have to sign the form jointly • Mode of Calculation of AMB - Average of daily closing balances of each day spread over a period
Common Charges For Debit Cards of one calendar month • NMC - Non maintenance Charges which are levied to the customer in case
of non-maintenance of AQB of respective products • Home Location - Home Location branches
Replacement Fees Free for Damaged Card; `200 for Lost Card refers to all the branches participating in same clearing centre vis-à-vis branch where account is
Re-issuance of PIN Free through ATM/Net Banking; `50 in case of Physical PIN opened • Non-Home Location - Non-Home Location branches refers to the branches which do not
ATM Usage participate in same clearing centre vis-à-vis branch where account is opened • Home Branch -
Home Branch refers to the branch wherein the customer's account is opened • Non-Home Branch
Transaction Type Non-Financial Financial - Non-Home branch refers to the branch other than the branch wherein customer's account is
HDFC Bank ATMs Free opened • Bulk Transactions - Bulk Transaction includes count of all Cheque clearing and Fund
Non HDFC Bank ATMs Transfer Transactions
Free
Domestic
International* Free T&C Apply. Based on Retail Loan book size (excluding mortgages).
*Transaction decline charge at other bank ATM anywhere in the world or at merchant outlet outside of India, due to insufficient funds - `25 per transaction Source: Annual Reports FY 19-20 and No.1 on market capitalisation based on BSE data as on 31st Dec, 2021.
 Product Name Regular Premium Plus
`10,000 (AQB) `25,000 (AQB) `1,00,000 (AQB)
Average Quarterly Balance (AQB)* (Only Non Metro Locations)

Non Maintenance Charges*(Per Quarter) Not Applicable

Features Standard Charges Free Limits , Thereafter Standard Charges

Cash Transactions

`5 lacs per month or 8 times AMB* `6 lacs per month or 8 times AMB* `13 lacs per month or 8 times AMB*
Combined Cash Deposit at Home Location `3.5 per `1,000, of previous month whichever is breached first, of previous month whichever is breached first, of previous month whichever is breached first,
& Non Home Location (Monthly Free Limit) minimum of `50 per transaction subject to maximum of 50 transactions subject to maximum of 50 transactions subject to maximum of 50 transactions

Cash Withdrawal - Home Branch NIL Free

Cash Withdrawal - Non-Home Branch `2 per `1,000,

`1,00,000 per day
(Daily Free Limit) minimum `50 per transaction

Cheque Leaves, Cheque / Fund Transfer (FT) - Collection & Payments

Cheque Leaves (Monthly Free limit) `2 per leaf 500

Local Cheque Collections/Payments and Fund Transfer NIL Free

Anywhere (Inter-city)
NIL Free
Cheque Collections/Payments and Fund Transfer

Bulk Transactions*
`10 per transaction 300
(Monthly Free Limit)

Demand Drafts and Pay Orders

Pay Orders (PO) and Demand Drafts (DD) at Bank location - Free

DD - Payable at Correspondent Bank Location - `2 per `1000, Minimum `50 per instrument

RTGS / NEFT / IMPS Transactions

RTGS Payments Branch: Above `2 Lakh - `15 per transaction Free through Branch & Net Banking

Branch: Up to `1 Lakh - `2 per transaction;

NEFT Payments Free through Branch & Net Banking
Above `1 Lakh - `10 per transaction

Up to `1,000 - `3.5;
IMPS Payments Above `1,000 & up to `1 lac - `5; Free
Above `1 lac - `15

Outstation Cheque Collection

Up to `50,000 - `50,
On Branch Locations - Above `50,000 & up to `1 lac - `100, `20
(per instrument charges) Above `1 lac - `150

Up to `25,000 - `50, Up to `35,000 - `50,

Correspondent Bank Locations - Above `25,000 & up to `1 lac - `100, Above `35,000 & up to `1 lac - `100,
(per instrument charges)
Above `1 lac - `150 Above `1 lac - `150

Clean Locations Up to `25,000 - `50,

- Above `25,000 & up to `1 lac - `100,
(per instrument charges)
Above `1 lac - `150

Speed Clearing Up to `1 lac - no charges, Up to `1 lac - no charges,

- Above `1 Lac - `140 Above `1 Lac - `15
(per instrument charges)