Activ Current Account

What's in store for you

More benefits than ever before

Banking Benefits

  • InstaAlert, BillPay and Standing Instructions facilities available

Digital Benefits

  • Cashless banking via BHIM UPI, Bharat QR, and Payment Gateway

Loan Benefits

  • Attractive in industry pricing, turn-around-time of disbursement and fees

Additional Benefits

Eligibility Criteria

You are eligible to open an Activ Current account if you are:

  • Resident Individual
  • Hindu Undivided Family
  • Sole Proprietorship Firms
  • Partnership Firms
  • Limited Liability Partnership Firms
  • Private and Public Limited Companies
Active Current Account
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Documents required to get you started 

Category A (government issued documents)

  • License or registration certificate issued, in the name of the entity, by/under:

  • Municipal authorities such as Shop & Establishment certificate/Trade License,

  • Registering authority in the name of practicing firm like Certificate of Practice issued by Institute of Chartered Accountants of India, Institute of Cost Accountants of India and Institute of Company Secretaries of India,

  • Indian Medical Council

  • Food and Drug Control Authorities
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Category B (other documents)

  • Latest Professional Tax/GST Returns filed in name of firm, duly acknowledged. Profession Tax/GST Returns cannot not be accepted along with registration certificate under respective acts e.g. Professional Tax/GST Return cannot be accepted with Professional Tax/GST Registration Certificate)

  • TAN Allotment Letter, in name of firm/proprietor (subject to firm’s name appearing in address) or TAN registration details (available online)

  • Bank account statement, in the name of firm, for last six months with satisfactory operations subject to obtaining IP cheque from the same account provided this account is maintained with a Nationalised/private/foreign bank or Regional Rural/Cooperative Banks (for customers in rural/village areas). This document cannot be accompanied with ITR as Category A document

  • Certificate issued by a Chartered/Cost Accountant (as per Annexure – G) confirming existence of the firm, containing name and address of firm along with name of the proprietor. The name of Chartered/Cost Accountant to be validated from chartered/cost accountants’ directory. In case Certificate has been issued by Chartered Accountant, certificate to contain UDIN number which needs to be verified by the Branch in ICAI website and attach printout of verification carried out

  • Note* This is only indicative list. Please visit your nearest branch for details
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Incorporation Document, Limited Liability Partnership Agreement

Certificate of Incorporation

List of all existing Designated Partners of LLP along with Designated Partner Identification Number (DPIN) issued by the Central Government

Resolution passed at the meeting of Designated Partners for the particular relationship, which the LLP plans to have with the bank

KYC of Designated Partners/Authorised Signatories

  • Memorandum of Association (MOA)

  • Articles of Association (AOA)

  • Certificate of Incorporation

  • Latest list of directors duly signed by any Director/Company Secretary /Authorised Signatory 

  • Board Resolution (BR) duly signed by the directors of the company

  • INC-21 and INC-20A will be required as applicable

  • Passport 

  • MAPIN card [issued by NSDL]

  • PAN card

  • Election /Voter’s card + Self-signed cheque drawn on Nationalized/Private Sector/ Foreign Banks

Photo ID card issued by:

  • Central Government or any of its Ministries.

  • Statutory / Regulatory authorities

  • State Govt. or any of its Ministries

  • Public Sector Undertaking (established under GOI or State Govt.)

  • State Govt. of J&K1

  • Bar council

  • Senior Citizen card issued by State/Central Govt.

  • Govt. of India to Persons of Indian Origin [PIO card]

  • Defence Dept. / Ministry of defence for Defence personnel & their dependents

  • Public Financial institutions / Public sector banks

  • Permanent Driving license [not expired] - subject to being accompanied by a Self-signed cheque drawn on 

  • Nationalised/ Private Sector / Foreign Banks

Know more about Ascent Current Account

Application Process

  • Self-Employed & Others
    Please fill in the enquiry form and await a callback to start the Account Opening Process for your Activ Current Account.
  • Bank Branch
    Please complete the requisite form and share it with your banker. They will guide you on the next steps.
Card Reward and Redemption

Banking Benefits

  • Dynamic Pricing ensures cost efficiency as your balances increase 

  • Deposit and withdraw cash up to 10 times of Current Account AMB at any HDFC Bank branches 

  • Average Quarterly Balance (AQB) waiver based on quarterly volumes of ₹3 lakh through POS/SmartHub Vyapaar App/Payment Gateway 

  • Extended Zero NMC charges 

  • Free Business Debit Card 

  • Free NEFT / RTGS payment transactions

Banking Benefits

Current Account Benefits

  • Combined Cash Deposit, anywhere in India: Up to 10 times your Current Account AMB, upper cap of ₹50 crore. 

  • Cash Withdrawal, Non-Home branch: Up to 10 times your Current Account AMB, upper cap of ₹50 crore. 

  • Digital Payment and collection 

Current Account Benefits

Merchant Acquiring Solution

  • Cashless and seamless banking through digital products such as ME/MPOS/MEAPP/BHIM UPI/Bharat QR and Payment Gateway. 

  • Zero NMC charges if the credit transaction value through SmartHub Digital or Physical merchant solution is ₹3 lakh or more in any quarter. 

Merchant Acquiring Solution

Digital Banking

  • Easy access and transaction processing through Net Banking/E-Net or Mobile Banking App. 
Digital Banking

Travel

  • Complimentary lounge access at select domestic airports, 2 per quarter 
Travel

Fees & Charges

  • 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 required product AQB.

Card Management & Control

Most Important 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.  
Card Management & Control

Ways to open a Bank 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 @ Clean Location (Per Instrument Charges)

Up to ₹25,000 – ₹50

₹25,001 to ₹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

 

  • 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.