| Description | Charges |
|---|---|
| Minimum Average Balance Requirements | NIL |
| Charges Applicable on Non-Maintenance | NA |
| Cheque Book | Free |
| Issue of Duplicate/Ad Hoc Statements | - |
| Soft Copy | No charge |
| Last 5 years 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 |
| For Senior Citizen | |
| Branch | ₹50 |
| PhoneBanking (Non IVR) | ₹50 |
| PhoneBanking (IVR), NetBanking, MobileBanking, & ATM | ₹30 (effective July 1, 2013) |
| Passbook issuance | Free |
| Duplicate passbook issuance | ₹100 |
| Managers cheques/demand drafts - Issuance/re-issuance | Free (As per specified limit in withdrawals section) |
| Managers cheque/demand drafts - Cancellation/revalidation | ₹100 (Nil charges up to ₹1,000, effective January 1, 2016) |
| Demand drafts issued - At non HDFC Bank locations | Free (As per specified limit in withdrawals section) |
| Cheque collection - Local clearing zone | Free |
| Collection of outstation cheques - Our bank locations | Charges for cheques drawn on Branch locations |
| Regular Savings Account | |
| Up to ₹5,000 | ₹25, ₹20 for rural branches/senior citizens account |
| ₹5,001 to ₹10,000 | ₹50, ₹40 for rural branches/senior citizens account |
| ₹10,001 to ₹1 lakh | ₹100 |
| Above ₹1 lakh | ₹150 |
| Cheques drawn on Speed Clearing Branches - at non-CTS locations | Regular Savings Account |
| Up to ₹1 lakh | No charges |
| Above ₹1 lakh | ₹140 per instrument |
| Cheques drawn on Speed Clearing Branches - at CTS locations | No charge |
| Cheque return charges drawn on us - Local | |
| Due to insufficient funds | Each cheque return will be charged for ₹500, effective December 1, 2017 |
| Charges due to funds transfer cheque return | ₹350 |
| Due to technical reasons | ₹50 per instance |
| Cheques deposited - Returned Unpaid | ₹200 per instance, effective December 1, 2017 |
| Balance enquiry - At branch | Free |
| Balance certificate | Current year - Free; previous year - ₹50 |
| Interest certificate | ₹50 per instance |
| TDS certificate | Free |
| Account Closure (from account opening date) | |
| Up to 14 days | Nil |
| 15 days up to 12 months | ₹500, ₹300 for Senior Citizens) |
| Beyond 12 months | Nil, effective July 1, 2013 |
| Photo attestation | ₹100 per instance Nil for Senior Citizens, effective July 1, 2013 |
| Address confirmation | ₹50 per instance |
| Stop payment (request from customer not to honour cheque issued) charges | |
| Particular cheque | ₹100 (free through NetBanking) |
| Range of cheques | ₹200 (free through NetBanking) |
| Standing Instructions | ₹25 per transaction plus remittance charge, effective July 1, 2013 |
| Unarranged overdraft | ₹100 per occasion plus 18% interest pa |
| Old records/copy of paid cheques | |
| Up to 1 year | ₹50 per record |
| Above 1 year | ₹100 per record |
| Activation of dormant account | No charges |
| All Withdrawals & Deposits at Branch (Home/Non Home) | Unlimited Deposits allowed; Free withdrawals up to 4 per month through various methods |
| Local cheque deposited for outstation accounts | No charge |
| PhoneBanking - IVR/Non IVR | Free |
| ATM card | Free |
| ATM card - Replacement charges | ₹200 (plus taxes as applicable) effective December 1, 2014 |
| Debit Card Charges | |
| Rupay Debit Card Issuance | Free |
| Replacement/Reissuance Charges for Debit Cards | ₹200 plus applicable taxes, effective December 1, 2016 |
| ATM/Debit Card Transaction Charge | Free |
| Debit Card PIN regeneration charge | ₹50 (plus taxes as applicable) |
| Decline charge for insufficient balance | ₹25 per transaction (plus taxes as applicable) |
| BillPay | Free |
| InstaPay | ₹10 (plus taxes as applicable) per transaction |
| Visa Money Transfer | Free |
| NEFT Charges - Inward | Free |
| NEFT Charges - Outward (online mode) | Free, effective November 1, 2017 |
| NEFT Charges - Outward (Branch) | Free (As per specified limit in withdrawals section) |
| NEFT Charges for Indo-Nepal transactions | Free (As per specified limit in withdrawals section) |
| RTGS - Outward (online mode) | Free (As per specified limit in withdrawals section) |
| RTGS - Outward (Branch) | Free (As per specified limit in withdrawals section) |
| RTGS - Inward | Free |
| IMPS (Immediate Payment Service) – Outward | Free (As per specified limit in withdrawals section) |
| IMPS (Immediate Payment Service) - Inward | Free |
| MobileBanking | Free |
| NetBanking | Free |
| ECS/ACH (Debit) Return Charges | ₹500 plus taxes per instance |
| Deliverable returned by courier | ₹50 per instance |
| TIN re-generation | ₹50 per instance |
| IPIN re-generation | ₹100 per instance |
| Standing Instruction Rejects | ₹200 per instance |
| InstaAlerts | Click here to know more |