Activ Current Account Fees & Charges
| Enclosed below are HDFC Bank Activ Current Account fees and charges | |
|---|---|
| Features | Activ Current Account |
| AQB | ₹10,000 (AQB) |
| Non-Maintenance Charges (per quarter) | ₹3,000 |
| Note: Free limits across Cash Deposit / Withdrawal / Total Transactions / Cheque leaves / DD andPO will lapse if AQB maintained is less than 75% of required product AQB. | |
Cash Transactions
| Cash Transactions | |
|---|---|
| Combined Cash Deposit Limit at any HDFC Bank Branch (monthly) | Free 10 times Current Month AMB, upper cap: ₹50 crore. |
| Charges at ₹3.5 per ₹1,000. | |
| Minimum: ₹50 per transaction beyond free limits. | |
| Cash deposit in low denomination notes i.e. ₹50 and below at any HDFC Bank Branch (monthly) | Cash deposit in notes: Free up to ₹10,000 per month, beyond free limit chargeable at 2% of cash deposit. |
| Cash deposit in coins: Free up to ₹1,000 per month, beyond free limit chargeable at 5% of cash deposit. | |
| Operational Limit for Cash Deposit at Non-Home Branch (per day) | ₹5lakh. |
| Cash Withdrawal Limit at Home Branch | Free |
| Cash Withdrawal Limit at Non-Home Branch - Monthly Limit | Free 10 times Current Month AMB, upper cap: ₹50 crore. |
| Charges at ₹2 per ₹1,000. | |
| Minimum: ₹50 per transaction beyond free limits. | |
| Daily Third-Party Cash Withdrawal limit at Non-Home Branch | ₹50,000 per transaction |
Non - Cash Transactions
| Local / Intercity Cheque Collection/Payments and Fund Transfer | Free |
|---|---|
| Total Transactions* - Monthly Free Limit | Free 150 transactions times for every slab of ₹1 lakh of current month AMB balance maintained, upper cap: 3000 transactions. |
| Charges at ₹45 per transaction beyond free limits. | |
| Demand Drafts (DD)/ Pay Orders (PO) at Bank Location |
Monthly free limit of 30 DD/POs for every slab of ₹1 lakh of current month MB balance maintained. |
| *Subject to maximum of 1000 DD/PO. | |
| Demand Drafts (DD) at Correspondent Bank location | No free limits |
| Charges at₹1.50 per ₹1000. | |
| Minimum ₹50 per instrument beyond free limits | |
| Cheque Leaves - Monthly Free Limit | Free 100 cheque leaves for every slab of ₹1 lakh current month AMB balance maintained, upper cap: 2000 cheque leaves. |
| Charges at ₹3 per leaf beyond free limits. | |
| Speed Clearing (per instrument charges) | Free |
| Outstation Cheque Collection at Bank location per instrument charges. | Free |
| Outstation Cheque Collection at correspondent bank location, per instrument charges. | Up to ₹35,000: ₹50. |
| ₹35,001- ₹1lakh: ₹100 | |
| Above ₹1 lakh: ₹150 | |
| Outstation cheque collection at Clean Location, per instrument charges. | Up to ₹25,000: ₹50 |
| ₹25,001- ₹1 lakh: ₹100 | |
| Above ₹1 lakh: ₹150 |
Electronic Transactions
| NEFT payments | Free through Branch and Net banking |
|---|---|
| RTGS payments | Free through Branch and Net banking |
| IMPS Payments | ₹0-₹1,000: ₹3.5 |
| ₹1,001-1 lakh: ₹5 | |
| Above 1 lakh up to 2 lakh: ₹15 | |
| NEFT/RTGS/IMPS Collections | Free |
Debit Cards
| Features | EasyShop Business* | ATM Card |
|---|---|---|
| Annual Fee per card | Free | Free |
| Daily ATM limit | ₹1lakh | ₹10,000 |
| Daily Merchant Establishment Point of Sale limit | ₹5lakh | NA |
| *Also available for partnership firms and 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 Lakh per day and ₹10 lakh per month for first 6 months from Account opening date.
For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹2lakh per day and ₹10 lakh per month. This is implemented with immediate effect.
ATM Usage
| ATM Transactions (at HDFC Bank ATM) | Unlimited Free |
|---|---|
| ATM Transactions - Financial and Non-financial at Non- HDFC Bank ATM. | Maximum of 5 transactions free in a month with a cap of maximum. |
| 3 free transactions in top 6 cities at Non-HDFC Bank ATM. | |
| Charges beyond free limits at ₹21 per transaction | |
| Note: Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as top 6 cities |
Account Closure Charges
| Closure: Up to 14 days | No Charge |
|---|---|
| Closure: 15 days to 6 months | ₹500 |
| Closure: 6 months to 12 months | ₹250 |
| Closure: Beyond 12 months | No Charge |
There are certain fees and charges of Active Current Account charges for electronic payments. NEFT payments are exempt from charges whether initiated through branches or NetBanking. Similarly, RTGS payments are also free of charge when executed via branches or NetBanking. However, for IMPS Payments, the fees vary: transactions up to ₹1,000 incur a charge of ₹3.5, those ranging from ₹1,001 to ₹1 lakh are charged ₹5, and transactions exceeding ₹1lakh up to ₹2 lakhs incur a fee of ₹15. On the other hand, NEFT, RTGS, and IMPS collections do not entail any charges.
The Activ Current Account is associated with distinct fees and charges, covering a range of areas including cash transactions, non-cash transactions, ATM usage, debit cards, electronic transactions, and supplementary services.