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How To Get Started

Step 1   Search ‘HDFC Bank’ on your iPhone’s App Store

Step 2   Download the HDFC Bank MobileBanking App

Step 3   Enter your customer ID and password to start banking

 

Fees and Charges of Agri Current Account

Enclosed below are HDFC Bank Agri Current Account fees and charges

 

Features Agri Current Account
HAB ₹ 10,000/-
Non-Maintenance Charges (per half year) ₹ 1,500/-
Note: Free Cash Deposit limits will lapse if AQB maintained is less than 75% of required product HAB

 

Download Fees & Charges effective 1st June’2026

 

Cash Transactions

 

Features Details
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) Free up to ₹10 Lakh or 25 transactions (whichever is breached first) 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 = Free Limit up to ₹10,000 per month; Chargeable at 2% of cash deposit in low denomination notes beyond free limit
Cash deposit in coins = Free Limit up to ₹5,000 per month; Chargeable at 2% of cash deposit in coins beyond free limit
Operational Limit for Cash Deposit @ Non-Home Branch (per day) ₹ 50,000/-
Cash Withdrawal Limit @ Home Branch Free
Cash Withdrawal Limit @ Non Home Branch (Monthly Limit) No free limit
₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- 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
Bulk Transactions – Monthly Free Limit Free up to 100 transactions; Charges @ ₹35 per transaction beyond free limits
Demand Drafts (DD) / Pay Orders (PO) @ Bank Location No free limit
Charges ₹ 1/- per ₹ 1,000/-, Min ₹ 50/-, Max ₹ 3,000/- per instrument beyond free limit
Demand Drafts (DD) @ Correspondent Bank Location Charges ₹ 2/- per ₹ 1,000/-
Minimum ₹ 50/- per instrument
Cheque Leaves – Monthly Free Limit Free up to 50 cheque leaves
Charges ₹ 3 per leaf beyond free limit
Outstation Cheque Collection @ Clean Location

Up to ₹5,000: ₹25/-

₹5,001 - ₹10,000: ₹50/-

₹10,001 - ₹25,000: ₹100/-

₹25,001–₹1 lakh: ₹100/-

Above ₹1 lakh: ₹150/-

 

Electronic Transactions

 

Transaction Type Charges
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
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 (only for Individuals and Sole proprietorships)

 

Features Business* ATM Card
Annual Fee per Card ₹ 350/- plus taxes Free
Daily ATM Withdrawal Limit ₹ 1,00,000/- ₹ 10,000/-
Daily Merchant Establishment Point of Sale Limit ₹ 5,00,000/- NA

 

  • *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.  

  • *Revised Business Debit Card charges are effective from 1st August’2024

ATM Usage

 

ATM Transactions (@ HDFC Bank ATM) Unlimited Free
ATM Transactions - Financial & Non-Financial
(@ Non- HDFC Bank ATM)		 Unlimited Free

 

Update: Effective 1st April 2026, UPI cash withdrawals at ATMs/CRMs are included as part of monthly free ATM transaction limits. Post completion of free limit, Rs. 23+taxes per transaction will apply.

 

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)

 

Download Fees & Charges effective 1st August’2025
Click here to view Fees & Charges for Agri Current Account Effective 1st December'2024
Click here to view Fees & Charges for Agri Current Account Effective 1st October'2023
Click here to view Fees & Charges for Agri Current Account Effective 1st November 2022
Click here to view Fees & Charges for Agri Current Account before 1st December, 2014

 

 

 

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

Frequently Asked Questions

Yes, an average balance of ₹10,000 per half-year must be maintained. Non-maintenance charges of ₹1,500 apply if the balance requirement is not met.

Hassle-free deposits and withdrawals up to ₹10 lakh cash per month or 25 transactions free at any HDFC Bank branch. 

 

  • Convenient online banking with Net Banking, Phone Banking, and Mobile Banking.

  • Doorstep banking services for cash and cheque pick-ups.

  • Free local/intercity cheque collection and payment within HDFC Bank Branch locations.

Agri Current Account is the best offering for Commission agents, Arthiyas and Fertiliser/pesticide traders

Agri current account has a Half-Yearly Average Balance (HAB) requirement of ₹10,000/- (across all locations)

NMC charges: ₹ 1,500/- (per half year)

Following are the key features of Agri Current Account:

 

  • Free Cash Deposit up to ₹ 10 lakh per month or 25 transactions (whichever is breached first) at any HDFC Bank Branches

  • Free Cash Withdrawal from Home Branch

  • Personalized Cheque Book (Payable-at-par) – 50 cheque leaves free per month

  • Free Local /Anywhere Cheque Payments & Collections & Account to account Funds Transfer at all HDFC Bank locations.

  • Free collection of funds through RTGS / NEFT / IMPS

  • Access to Direct Banking Channels – Net-Banking, Phone-Banking, Insta-Query & Doorstep Banking

Free Cash Deposits up to ₹ 10 lakh or 25 transactions (per month), whichever is breached first at any HDFC Bank Branches

  • Unlimited cash withdrawal from Home branch

  • No free limits at Non-home branch

  • Nil free limit for DD / PO. Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and 
    Max ₹ 3,000/- per instrument beyond free limit

  • DD/POs (Correspondent Bank Location) – No free limits

Agri Current Account offers 50 free cheque leaves per month.

Agri Current Account offers 100 free Bulk transactions per month.

 

(Note: Bulk transactions include all Local & Anywhere clearing and Fund transfers)

Online NEFT/RTGS payments are free.

 

Through branch, NEFT payments are charged as follows:

 

  • Upto ₹ 1 lakh: ₹ 2/- per transaction,

  • Above ₹ 1 lakhs: ₹ 10/- per transaction

Through branch, RTGS payments are charged as follows:

 

  • Above ₹ 2 lakh: ₹ 15/- per transaction

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.