Activ Current Account

Fees and Charges of Activ Current Account

Enclosed below are HDFC Bank Activ Current Account fees and charges

 

Features Details
Average Quarterly Balance (AQB) ₹10,000
Non-Maintenance Charges (Per Quarter) ₹ 3,000

 

Note: Free limits across Cash Deposit / Withdrawal / Total Transactions / Cheque Leaves / DD & PO will lapse if AQB maintained is less than 75% of the required AQB.
Download Fees & Charges effective 1st August’2025

 

Cash Transactions

Features Details
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) Free up to 10 times of Current Month AMB (Upper Cap - ₹50 Crore) at any HDFC Bank Branch / Cash Recycler Machines; Beyond free limits, standard charges @ ₹4 per ₹1000, minimum ₹50 per transaction beyond free limits
Cash deposit in low denomination coins and notes i.e. ₹20 and below @ any HDFC Bank Branch (Monthly) Cash deposit in notes = Nil free limits; chargeable at 4% of cash deposit in low denomination notes Cash deposit in coins = Nil free limits; chargeable at 5% of cash deposit in coins
Operational Limit for Cash Deposit @ Non-Home Branch (Per Day) ₹ 5,00,000
Cash Withdrawal Limit @ Home Branch Free
Cash Withdrawal Limit @ Non-Home Branch (Monthly) Free up to 10 times of Current Month AMB (Upper Cap – ₹ 50 crores) Charges: ₹ 2 per ₹ 1,000 (Minimum ₹ 50 per transaction) beyond free limit
Daily Third-Party Cash Withdrawal Limit @ Non-Home Branch ₹ 50,000 per transaction

 

**Effective 1st August 2025, ₹50/- per transaction would be applicable for Cash Deposits through Cash Recycler Machines during 11 PM to 7 AM on all calendar days.

 

Non-Cash Transactions

Features Details
Local / Intercity Cheque Collection/Payments & Fund Transfer Free
Total Transactions* - Monthly Free Limit Free up to 150 transactions for every slab of ₹1 Lakh of Current Month AMB balance maintained (Upper Cap – 3000 transactions); Charges @ ₹50 per transaction beyond free limits
Demand Drafts (DD)/Pay Orders (PO) @ Bank Location Free 30 DD/PO for every ₹1 lakh AMB maintained (Upper Cap – 1000 DD/PO) Charges: ₹1 per ₹1,000, Min ₹50, Max ₹3,000 per instrument beyond free limit
Demand Drafts (DD) @ Correspondent Bank Location No free limits Charges: ₹1.50 per ₹1,000, Min ₹50 per instrument beyond free limit
Cheque Leaves - Monthly Free Limit Free 100 cheque leaves per ₹1 lakh AMB (Upper Cap – 2000 cheque leaves) Charges: ₹3 per leaf beyond free limit
Outstation Cheque Collection at Clean Location (Per Instrument Charges)

Up to ₹5,000: ₹25/-

₹5,001 - ₹10,000: ₹50/-

₹10,001 - ₹25,000: ₹100/-

₹25,001–₹1 lakh: ₹100/-

Above ₹1 lakh: ₹150/-

 

*Total Transactions includes count of Cash Deposit, Cash Withdrawal, Cheque Clearing and Fund Transfer Transactions

 

Electronic Transactions

Features Details
NEFT Payments Free on NetBanking & Mobile Banking; Branch Banking = Up to ₹10K: ₹2 per transaction, Above ₹10K up to ₹1 Lakh: ₹4 per transaction, Above ₹1 Lakh up to ₹2 Lakh: ₹14 per transaction, Above ₹2 Lakh: ₹24 per transaction
RTGS Payments Free on NetBanking & Mobile Banking; Branch Banking = ₹2 Lakh to ₹5 Lakh: ₹20 per transaction, Above ₹5 Lakh: ₹45 per transaction
IMPS Payments Up to ₹1000: ₹2.5, Above ₹1000 up to ₹1 Lakh: ₹5, Above ₹1 Lakh up to ₹2 Lakh: ₹15
NEFT / RTGS / IMPS Collections Free

 

Debit Cards

Features Business Card ATM Card
Annual Fee per Card Free Free
Daily ATM Withdrawal Limit ₹1,00,000 ₹ 10,000
Daily Merchant POS Limit ₹5,00,000 Not Applicable

 

*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.

 

*For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.   For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect. 

 

ATM Usage

Features Details
ATM Transactions @ HDFC Bank ATMs Unlimited Free
ATM Transactions (Financial & Non-Financial) @ Non-HDFC Bank ATMs Maximum 5 free transactions per month Max 3 free transactions in Top 6 cities (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru, Hyderabad) Charges beyond free limit: ₹ 21 per transaction

 

Note: With effect from 1st May 2025, ATM transaction charge rate beyond free limit of ₹21 + taxes would be revised to ₹ 23 + taxes, wherever applicable.

 

Account Closure Charges

Closure Period Charges
Up to 14 days No Charge
15 days to 6 months ₹ 500
6 months to 12 months ₹ 250
Beyond 12 months No Charge

 

Fees & Charges (Past Records)

Click here to view Fees & Charges for Activ Current Account before 1st October’2023
Click here to view Fees & Charges for Activ Current Account before 1st December’2024
Click here to view Fees & Charges for Activ Current Account before 1st August’2025

Download Fees and Charges effective 1st August'2025

 

  • Click here to read the Terms & Conditions of the Activ Current Account.

Frequently Asked Questions

Activ Current Account is a best-fit current account by HDFC Bank designed specifically for retail business customers and merchant segments, providing cost-efficiency and profit maximisation.

With an Activ Current Account, you can enjoy dynamic pricing that ensures cost-efficiency at all times. The cash deposit and withdrawal limits are up to 10 times the current month's Average Monthly Balance (AMB) at any HDFC Bank branch.

Activ Current account is best suited for merchants/traders, service providers & shopkeepers, with local transactions and requirement of ME/MPOS/MEAPP, having turnover up to ₹50 lakh.

AQB Requirement: ₹10,000/- (All Locations)

NMC charges: ₹3,000/- per quarter (across all Locations)

An Activ Current Account customer may avail Zero NMC benefit in quarter subsequent to account opening quarter, if he/she is active on all 3 digital services (i.e. Net-Banking/ Mobile-Banking, Debit Card (ATM/ POS transaction) and Bill Pay) within first 2 months of account opening. Additionally, the customer will enjoy Zero NMC if the credit throughput value through ME/MPOS/MEAPP in a quarter is ₹3 lakh or more.

• Combined Cash Deposit (Anywhere in India) – 10 times of current account AMB* (Upper cap of ₹50 crores per month)

• Cash Withdrawal (Non-Home Branch)- 10 times of current account AMB (Upper cap of ₹50 crores per month)

• Cash Withdrawal is FREE at Home Branch

• DD/ PO (Bank Location) – 30 DD/PO free for every slab of ₹1 lakh of current month AMB balance maintained (Upper Cap of 1000 DD/PO per month)

• Cheque Leaves – Free 100 cheque leaves for every slab of ₹1 lakh of current month AMB balance maintained (Upper Cap of 2000 cheque leaves per month)

• Total Transaction (includes count of Cash Deposit, Cash Withdrawal, Cheque Clearing and Fund Transfer Transactions) – 150 transactions for every slab of ₹1 lakh of current month AMB balance maintained. (Upper Cap of 3000 transactions per month)

*AMB - Average Monthly Balance

An Activ Current Account customer enjoys multiplier benefits for cash deposit. The free limit offered is 10 times of current month AMB (Home + Non-home location). This is capped at a maximum of ₹50 crores per month.

Cash withdrawal is completely free for home branch. In case of non-home branch, customer is offered a free limit up to 10 times current month AMB; capped at a maximum of ₹50 crores per month.

• DD/POs (Bank Location) – 30 DD/PO free for every slab of ₹1 lakh of current month AMB balance maintained (Upper Cap of 1000 DD/PO per month) • DD/POs (Correspondent Bank Location) – No free limits

Cheque Leaves – Free 100 cheque leaves for every slab of ₹1 lakh of current month AMB balance maintained (Upper Cap of 2000 cheque leaves per month)

An Activ Current Account customer enjoys a free limit of 150 transactions for every slab of ₹1 lakh of current month AMB balance maintained. There’s an upper Cap of 3000 transactions per month. (Note: Total Transactions include count of Cash Deposit, Cash Withdrawal, Cheque Clearing and Fund Transfer Transactions)

Activ Current account offers free NEFT/RTGS payments via both Net-banking/ Mobile-Banking and Branches. IMPS charges on outgoing transactions (through NetBanking & MobileBanking) are as follows: • Up to ₹1,000: ₹3.5/- per transaction • Above ₹1,000 and up to ₹1 lakh: ₹5/- per transaction • Above ₹1 lakh and up to ₹2 lakh: ₹15/- per transaction (charges exclusive of GST)

Bank anytime, anywhere in person at a branch or ATM, from your laptop or mobile. Click here for more details.