Kisan Club Savings Account

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Kisan Club Savings Account

More benefits than ever before

Exclusive Benefits

  • Exclusive Savings Account for Farmers

  • Inter Branch Banking

  • Free Personalised Cheque Book

  • Free PhoneBanking, MobileBanking and NetBanking

Added Delights

  • No chequebook charges (issuance charges as per S and F brochure apply).

  • Free International Debit Card for the 1st year.

  • Free passbook facility available at home branch for Bank Account holders

  • Free monthly email statements.

  • Free PAP Cheque Book (issued only on request)

Kisan club savings account

Wondering if you are eligible?

A Kisan Club Savings Account is available to:

  • Resident individuals (sole or joint account holders)
  • Must be engaged in farming activities
  • Applicants who own agricultural land
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More about Kisan Savings Club

Fees and Charges

Description of Charges Kisan Club Savings Account
Minimum Balance HYB (Half Yearly Balance)
​​​​​Urban/Semi-Urban/Rural Branches: HYB ₹2,500 or fixed deposit of ₹25,000.		 HYB ₹2,500 (Urban /Semi Urban / Rural Branches)
Charges on non-maintenance thereof For Urban / Semi Urban / Rural branches:
Non maintenance charges of ₹750 per half year
Cheque Book Free - 25 cheque leaves per calendar quarter
Additional cheque book of 25 leaves will be charged at ₹50 per cheque book
Account Statements - Free Quarterly statements sent by post.
Passbook issuance* Free
Duplicate passbook issuance* ₹100
Cheque Collection - Local Clearing Zone Free
Balance Enquiry/Cheque Deposit/Mini Statement transactions on HDFC Bank ATMs Free
PhoneBanking Free
MobileBanking Free
NetBanking Free
International Debit Card Free for 1st year, annual charges ₹100 applicable from 2nd year onwards.
Debit Card - Replacement charges ₹100 (plus taxes)
Inoperative Account - Account with no customer-initiated transaction in the account for the past 1 year ₹50 per quarter
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) ₹50 per instance
SI rejects ₹200 per instance
Cash Handling for cash deposit at home branch For non-managed customers
- Cash deposit value up to ₹1 lakh per day - No charge
- Above ₹1 lakh - ₹25 per ₹50,000 or part thereof.
One time Mandate Authorisation Charges per mandate
(Inward NACH received through physical and online both)		 ₹100 plus GST, effective July 1, 2019
NEFT charges - outward (Branch) Amounts up to ₹1 lakh - ₹2 (plus GST) per transaction
Amounts above ₹1 lakh - ₹10 (plus GST) per transaction
RTGS charges - outward (Branch) ₹2 lakh and above - ₹15 (plus GST) per transaction

  • *at-home branch for account holders (individuals)

  • Other Charges as per the SandF brochure apply.

  • All fees and charges mentioned above will attract service tax as applicable.

Special Benefits and Features

Account Operation:

There are two options for account operation:

Option 1:

  • An initial pay-in and Half Year Balance (HYB) of ₹2,500 apply to branches in urban, semi-urban, and rural areas.

  • A charge of ₹750 per half year will be levied for non-maintenance of the HYB.

Option 2:

  • Half Year Balance (HYB) requirement is NIL for this option.

  • Account needs an initial pay-in of ₹2,500.

  • Fixed Deposit of ₹25,000 must be maintained.

  • Non-maintenance of either results in a ₹750 charge per half year.

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Terms and Conditions

*The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.

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Check out the deals

  • CashBack and discounts with Debit Card: 5% CashBack on shopping via PayZapp and SmartBuy.
  • SmartBuy Offer: Click here
  • PayZapp offer: Click here
  • UPI offers: Click here
  • NetBanking offers: Click here
  • BillPay offers: Click here
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Documentation Required

  • To open a Kisan Savings Club Account, the following documents are necessary:
  • Valid identity/address proof
  • Cheque/cash for initial pay-in amount needed while opening the account 
  • Click here for terms and conditions 
  • Click here for detailed list of documents
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Application Process for Opening a Digital Account with Aadhaar

How to open a Specialé Savings Account?

Apply online in just 4 simple steps:

  • Step 1: Validate your mobile number
  • Step 2: Select the ‘Account Type’ of your choice
  • Step 3: Provide personal details including Aadhaar number
  • Step 4: Complete Video KYC
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Kisan Club Savings Account

Simplify KYC with Video Verification

  • Keep your PAN Card and Aadhaar-enabled phone handy, along with a pen (blue/black ink) and white paper. Ensure you have good connectivity/network
  • Enter your Aadhaar number at the start and verify yourself using OTP.
  • A bank representative will then verify your details, such as LIVE signature, LIVE photo, and location.
  • Once the video call is complete, your video KYC process stands completed.

Ways to open a Bank Account

Frequently Asked Questions

To open a Kisan Club Savings Account, visit our website or your nearest HDFC Bank branch and follow the account opening process.

A Kisan Club Savings Account offers a range of benefits, including a free personalised chequebook, a passbook facility at the home branch, convenient inter-branch banking, easy access through NetBanking, PhoneBanking, and Mobile Banking, and free monthly email statements.

  • Exclusive Savings Account designed for farmers
  • Easy access to banking services through NetBanking, PhoneBanking, and Mobile Banking
  • Convenient inter-branch banking facilities
  • Free personalised cheque book and passbook
  • Free Monthly email statements

To apply for a Kisan Club Savings Account, you can visit the online HDFC Bank website or by visiting your nearest HDFC Bank branch. 

You can easily operate your Kisan Club Savings Account via any of these modes: