| 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 at 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 | ₹100 per instrument | |
| NEFT/EFT Transactions: | ||
| Payments | Free | |
| Collections | Free | |
| RTGS Transactions: | ||
| Payments | Free | |
| Collections | Free | |
| Local Transactions (At home branch location) | ||
| Local cheques collections and payments | Free | |
| Account to Account Fund Transfer within HDFC Bank | Free | |
| Anywhere Transactions (except Dahej) | ||
| Account-to-Account Fund Transfer within HDFC Bank | Free | |
| Payment at HDFC Bank Locations | Free | |
| Collections at HDFC Bank Locations | Free | |
| Bulk Transaction Charges | All above transactions are subject to a maximum of 1000 transactions per month beyond which charges at ₹10 per transaction would be levied. Includes all Local/Anywhere clearing and funds transfer transactions | |
| 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 ₹1000, minimum ₹50 per DD. | |
| DD-Cancellation / Revalidation | ₹100 per instrument | |
| Cheque Collection | ||
| Outstation Cheque Collection at Bank location | Instrument Value | Charges |
| Any Amount | Free | |
| Outstation Cheque Collection at Correspondent Bank Location | Instrument Value | Charges |
| Up to ₹35,000 | ₹50 per instrument | |
| Above ₹35,000 and up to ₹1 lakh | ₹100 per instrument | |
| Above ₹1 lakh | ₹150 per instrument | |
| Outstation Cheque Collection at Clean Location | Instrument Value | Charges |
| Up to ₹25,000 | ₹50 per instrument | |
| Above ₹25,000 and up to ₹1 lakh | ₹100 per instrument | |
| Above ₹1 lakh | ₹150 per instrument | |
| Outstation Cheque collection through speed clearing | Free | |
| 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 | ||
| Cash Deposit-Home Branch Location | Higher of ₹120 lakh per month or 10 times the previous month AMB or 60 transactions, whichever is breached first. Note: Subject to a maximum monthly limit of ₹500 lakh; beyond free limit, charges at ₹3 per ₹1000; minimum of ₹50 per transaction |
|
| 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 | |
| Cash Deposit - Non-Home Location | Free up to ₹30 lakh per month or 25 transactions, whichever is breached first; beyond free limit charges at 3.5 per 1000; minimum of ₹50 per transaction | |
| 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. | ||
| 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 1000, 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 | ||
| Up to 1 Year | ₹50 per record | |
| Above 1 Year | ₹100 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: | ||
| Transaction Type | Balance Inquiry | Cash Withdrawal |
| HDFC Bank ATMs | Free | Free |
| Non-HDFC Bank ATMs | ||
| Domestic | 3 transactions in 6 Cities** and 5 transactions in other than above cities free per month, beyond which charges applicable at ₹20 per transaction | |
| Note: **6 Cities- Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered | ||
| International* *The Bank will charge a cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/MasterCard wholesale exchange rate prevailing at the time of transaction |
₹25 per transaction | ₹125 per transaction |
| Transaction Decline Charge (at Non HDFC Bank ATMs) | ₹25 per transaction | |
| 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: | ||