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Fees and Charges of Apex Current Account

Enclosed below are HDFC Bank Apex Current Account charges

Description of Charges Apex Current Account
Minimum Balance (Average Quarterly Balance) ₹10 lakh per quarter
Non-Maintenance Charges per quarter Charge of ₹5,000 per quarter if AQB is less than ₹10 lakh but greater than or equal to ₹5 lakh; ₹10,000 per quarter if AQB is less than ₹5 lakh.
Mode of calculation of minimum average quarterly balance Average of daily closing balances of each day spread over a period of three months
Cheque Book Charges (Issued by Bank)
(Customers can request a maximum of 100 cheque leaves through Net Banking. For requests above 100 cheque leaves, customers need to visit the branch.)		 Payable by par cheques. Free 1000 cheque leaves per month.
Charges ₹2 per leaf beyond 1000 leaves.
Other Current Account Facilities
Account Statement Free (Monthly)
Duplicate/Ad Hoc Statement
Requests through Direct Banking Channels ₹50 per statement through ATM / Mobile Banking / Net Banking and Phone Banking (IVR)
At branch or Phone Banking (Non-IVR) ₹100 per statement through Branch; ₹75 per statement through Phone Banking (Non-IVR)
Hold Statement Facility ₹400 per year
Remittance facility through own Bank
Demand Drafts (DD)
Payable at HDFC Bank Locations (Issued from any branch)/ Duplicate DD		 Free
Pay Orders (PO) – on HDFC Bank Locations
(Issued from any branch)/ Duplicate PO		 Free
Issuance of DD / PO through Phone Banking Free without limit.
Only DD amount up to ₹5 lakh for Current Apex.
Account holders accepted at Phone Banking.
DD/PO-Cancellation/Revalidation ₹60 per instance
NEFT/EFT Transactions:
Payments Free
Collections Free
RTGS Transactions:
Payments Free
Collections Free
Local Transactions (At home branch location)
Local cheques collections & payments Free
Account to Account Fund Transfer within HDFC Bank Free
Anywhere Transactions
Account-to-Account Fund Transfer within HDFC Bank Free
Payment at HDFC Bank Locations Free
Collections at HDFC Bank Locations Free
Bulk Transactions (Monthly Limit) Free up to 1000 transactions; Charges @ ₹35 per transaction beyond free limits
Remittance facility through other Bank
Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Free up to ₹15 lakh per month beyond which charges at ₹1.50 per ₹1,000, minimum ₹50 per DD.
DD-Cancellation / Revalidation ₹50 per instrument
Cheque Collection
Outstation Cheque Collection at Bank 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/-
Bouncing of cheques- Local
Cheque Return Charges Cheques Drawn on us
Due to Insufficient Funds Up to 2 instruments per month: ₹500 per instrument,
3rd instrument onwards: ₹750 per instrument
Due to Technical Reasons No charge
Cheques Deposited Returned Unpaid Local Cheque: ₹100 per instrument and Outstation Cheque: ₹150 per instrument
Doorstep Banking **
Cash Pickup Charges (within municipal city limits)
Cash Pickup up to ₹1 lakh ₹150 per pickup
Cash Pickup beyond ₹1 lakh and up to ₹2 lakh ₹200 per pickup
Cash Pickup beyond ₹2 lakh and up to ₹3 lakh ₹300 per pickup
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager
Cash Transactions
Cash Deposit
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) Higher of ₹150 Lakh or 10 times of previous month AMB or 60 transactions, whichever is breached first (Upper Cap - ₹500 Lakh); 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 branches Maximum Cash Deposit limit at non-home branches is subject to a limit of ₹3 lakh per day

Free Cash deposit limit will lapse for the account if AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customers will be charged from the 1st transaction of cash deposit.


**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.
Cash Withdrawal
Cash Withdrawal-Home Branch Free
Cash Withdrawal-Non-Home Branch-Intercity & Intracity Free cash withdrawals up to ₹50 lakh per month, beyond which charges at ₹2 per 1,000, min ₹50 per transaction on incremental amount.
Third party cash withdrawal allowed only up to maximum ₹50,000 per transaction.
Miscellaneous
Balance enquiry ₹25 
TDS Certificate Free
Balance Confirmation Certificate ₹50 
Interest Certificate ₹50 
Cheque Status per instance ₹25 
Photo Verification ₹100 per instance
Address Confirmation ₹100 per instance
Signature Verification ₹100 per instance
ECS (Debit) Return Charges
(Quarterly Charges)		 Up to 3 returns - ₹350 instance
4th return onward ₹750 instance
Setting up of Standing Instructions NIL
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 Up to 3 returns: 350 per instance
4th return onward: 750 per instance
Old Records / Copy of Paid Cheque
₹200 per record
Common Charges for Debit / ATM Cards
Replacement of damaged card Free
Replacement of Lost card ₹200  
Copy Retrieval Request ₹100
Re-Issuance of PIN ₹50 plus taxes
ATM Usage:
ATM Txns (@ HDFC Bank ATM) Unlimited Free
ATM Txns - Financial & Non-Financial (@ HDFC Bank ATM) Maximum of 5 Txns Free in a month with a cap of Maximum 3 free Txns in Top 6 cities @ Non-HDFC Bank ATM (Txns done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities)
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.
Stop Payment Charges
Particular cheque ₹100, Free through Phone Banking
Range of cheques ₹250, Free through Phone Banking)
Account Closure:
Up to 14 days No Charge
15 days to 6 months ₹2,000 
6 months up to 12 months ₹1,000 
Beyond 12 months No Charge
Activation of Dormant / inoperative account No Charge
InstaAlert / Mobile Banking
Insta Alert Nil
Transactions through Phone Banking:
Interactive Voice Response (IVR) Free
Non-IVR Agent-assisted – for accounts maintaining AQB Free
Non-IVR Agent-assisted – for accounts not maintaining AQB as of previous quarter ₹50 per call
Charges on all IMPS Outgoing transactions:

 

Up to ₹1000 ₹2.5
Above ₹1000 up to ₹1 Lakh ₹5
Above ₹1 lakh up to ₹2 Lakh ₹15
Debit Cards (only for Individuals and Sole Proprietorship)
Feature Debit Card ( Business) ATM Card
Annual Fee per Card ₹350 + taxes Free
Daily ATM Withdrawal Limit ₹1,00,000 ₹10,000
Daily POS (Merchant Establishment) Limit ₹5,00,000 Not Applicable (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.

  • All charges are exclusive of GST as applicable from time to time

  • +For accounts maintaining AQB less than ₹10,00,000 as of previous qtr will be charged ₹ 25 each for next 3 montly statement

  • **Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.

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

 

Fees and Charges (Past Records)

Download Fees & Charges effective 1st August’25

Click here to view Fees & Charges for Apex Current Account before 1st November' 2022
Click here to view Fees & Charges for Apex Current Account before 1st January' 2016
Click here to view change in Fees & Charges for Apex Current Account before 1st March’ 2015
Click here to view Fees & Charges for Apex Current Account before 1st December, 2014
Click here to view Fees & Charges for Apex Current Account before 1st November, 2013
Click here to view charges applicable before 1st July,2012
Click here to view charges applicable before 1st January,2012
Click here to view charges applicable before 1st September,2010

Download Fees & Charges effective 1st November'22
Download fees & charges effective 1st October'23
Download Fees & Charges effective 1st December'24

Click here to read the Terms and Conditions of Apex Current Account.

Frequently Asked Questions

Yes, there are charges associated with the Apex Current Account. Please refer to the Apex Current Account charges section above for more details.

The electronic payment service charges for Apex Current Account are mentioned in the fees and charges section above.