Biz Lite+ Account - Fees and Charges

Enclosed below are HDFC Bank Biz Lite+ Account Fees & Charges:

 

Category Details
Average Quarterly Balance (AQB) Metro & Urban: ₹25,000/-
(₹10,000/-* for account with ME/PG/MPOS/QR)
Semi-Urban & Rural: ₹10,000/- (in any 2 quarters of the year*)
Non-Maintenance Charges (per quarter) Metro & Urban: ₹2,500/-
Semi-Urban & Rural: ₹1,500/-
Zero NMC Criteria* *Zero NMC,  if Quarterly Credit Volume via ME/PG/MPOS less than or equal to ₹3 lakh

* Zero NMC Charges for 2nd quater of account opening if customer is Digitally active. Digital Activation comprises of Debit Card Activation (on ATM or POS). Bill Pay usage and NetBanking or MobileBanking active within first 2 months of account opening.
Important Notes

- Free limits across Cash Deposit / Cash Withdrawal / Total Transactions/ Cheque Leaves / DD & PO will lapse if the AQB maintained is less than 75% of the required product AQB.

*Average Quaterly Balance requirement for Biz Lite+ Account 
- Metro & Urban Branch - AQB ₹10,000/- applicable if account is credited with one or more ME/PG/MPOS/QR transaction for given quarter

- Semi-Rural or Urban Branches - ₹10,000/- in any 2 quarters of the year. For example: Accounts opened in month of  Apr'25 ( i.e. Apr'25-Jun'25 quater) will need to maintained the AQB in any 2 quarters of a year i.e. from April’25-June’25 quarter till Jan'26-March'26 quarters & so on

All accounts are reviewed on a quaterly interval basis the average quaterly account balances maintained in the account 

Applicable only for Biz Lite+ Account (Metro & Urban Locations)
- AQB Criteria: ₹25,000/- for accounts without ME/PG/MPOS/QR linkage
-AQB Criteria - ₹10,000/- for accounts with ME/PG/MPOS/QR linkage
- For accounts availing ME/PG/MPOS/QR post cut-off date i.e. 20th of month 3 of a quater, AQB benefits will be applicable from subsequent quater i.e. account opened in APR and ME/PG/POS/QR not set up till 20th Jun, will be given AQB benefits in the subsequent quater.

-All other features & benefits will remain the same for with or without ME/PG/MPOS/QR linked accounts.
 Download Fees & Charges effective 1st August 2025
Cash Transactions
Transaction Type Charges / Limits
Combined Cash Deposit (Home Branch, Non-Home Branch & Cash Recycler Machines)- Monthly Limit Free up to ₹2 lakh/month or 6x Current Month AMB (Whichever is higher; Cap: ₹10 crore)
Beyond limit: ₹4 per ₹1,000, min ₹50/txn

Cash deposit in low denomination coins and notes i.e. ₹20 and below @ any HDFC Bank Branch (Monthly)

 Cash deposit in notes = Chargeable at 4% of cash deposit in low denomination notes 
Cash deposit in coins = Chargeable at 5% of cash deposit in coins
Operational Limit for Cash Deposit at Non-Home Branch per day ₹5 lakh/-
Cash Withdrawal – Home Branch Unlimited Free

Cash Withdrawal – Non-Home Branch* 

(Monthly Free Limit*)

 Free 6x Current Month AMB (Cap: ₹10 crore); beyond limit: ₹2 per ₹1,000, min ₹50/txn
Daily Third-Party Cash Withdrawal (Non-Home Branch) ₹50,000 per txn
Non-Cash Transactions      
Transaction Type Charges / Limits
Cheque Collection/Payments & Fund Transfer (Local & Intercity) Free
Total Transactions (Monthly)* Free 100 transactions per ₹1 lakh of AMB (Upper Cap: 2000 transactions); Charges @₹50 per transaction beyond free limits
DD/PO at Bank Location Free up to 30 DD/PO per month for every slab of ₹1 lakh of current month AMB maintained (subject to maximum of 1000 DD/PO); Beyond free limits standard charges ₹1 per ₹1000; minimum ₹50 and maximum ₹3,000 per instrument
DD at Correspondent Bank Location ₹1.50 per ₹1,000; Min ₹50/instrument
Cheque Leaves- Monthly Free Limit Free 50 leaves per ₹1 lakh AMB (Upper Cap: 1000 cheque leaves)
Outstation Cheque Collection at 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/-
Note *Total transactions include Cash Deposit, Withdrawal, Cheque Clearing & Fund Transfer
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 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 (For Individuals & Sole Proprietors)  
Card Type Annual Fee Daily ATM Limit POS Limit
EasyShop Business* ₹350 + taxes ₹1,00,000/- ₹5,00,000/-
ATM Card Free ₹10,000/- NA

 

*Available for partnership firms & limited companies. If MOP is conditional, all AUS (Authorized Signatories) must sign the form jointly.

 

For Security Reasons, ATM Withdrawal is capped at:

 

  • First 6 months from Account opening date: ATM withdrawals capped at ₹50,000/day and ₹10 lakh/month.
  • After 6 months: ₹2 lakh/day and ₹10 lakh/month. This is implemented with immediate effect.

 

ATM Usage

 

ATM Type Non-Financial Financial
HDFC Bank ATMs Free Free
Other Domestic Bank ATMs Maximum of 5 transactions free in a month with a cap of maximum 3 free transaction in top 6 cities (Transaction done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities)

Charges beyond free limits @₹23 per transaction		 Same as non-financial
International ₹25/- per txn ₹125/- per txn
Decline Charge ₹25/- per failed transaction (due to insufficient funds) at international ATMs or merchant outlets  

 

Note: With effect from 1st May 2025, ATM transaction charge rate beyond free limit of Rs. 21 + taxes would be revised to Rs. 23 + taxes, wherever applicable.

 

Account Closure Charges

 

Closure Period Charges
Within 14 days No Charge
15 Days – 6 Months ₹500/-
6 – 12 Months ₹250/-
After 12 Months No Charge

 

Fees & Charges (Past Records)

 

Download Fees & Charges effective from 1st April, 2025

 

  • Click here to learn more about the HDFC Bank Biz Lite+ Account.

Disclaimer: Terms and conditions apply. HDFC Bank Biz Lite+ Account approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the Bank's requirements. Interest rates are subject to change. Please check with your RM or the closest bank branch for current interest rates.

Frequently Asked Questions

For a Biz Lite+ Account in metro and urban branches, the AQB is ₹25,000. However, if the account is linked with ME/PG/MPOS/QR, the reduced AQB requirement is ₹10,000 per quarter.

Biz Lite+ Account holders can avoid non-maintenance charges by ensuring a minimum quarterly credit of ₹3 lakh through ME, PG, MPOS or QR transactions.

If you maintain less than 75% of the required AQB in your Biz Lite+ Account, free limits on cash deposits, withdrawals, cheque leaves, and DD/POs will lapse for that quarter. 

In semi-urban and rural branches, Biz Lite+ Account holders must maintain ₹10,000 AQB in any two quarters of a financial year to avoid charges and retain benefits.

The Biz Lite+ Account offers free monthly cash deposits up to ₹2 lakh or six times the current month’s AMB, whichever is higher, with an upper cap of ₹10 crore.

Biz Lite+ Account holders get free withdrawals up to six times the current month’s AMB at non-home branches; beyond this, ₹2 per ₹1,000 is charged, with a ₹50 minimum.

Biz Lite+ Account users can enjoy free NEFT and RTGS payments through NetBanking and MobileBanking. IMPS has charges depending on the transaction amount.

A Biz Lite+ Account offers 100 free transactions monthly for every ₹1 lakh AMB maintained. The total free transaction limit is capped at 2,000 per month.

No, all local and intercity cheque collections, payments, and fund transfers are free for Biz Lite+ Account holders, making daily operations cost-effective.

Biz Lite+ Account holders can get up to 50 free cheque leaves and up to 30 free DD/Pos monthly per ₹1 lakh AMB maintained.

For individuals and sole proprietors, the Biz Lite+ Account’s EasyShop Business debit card has an annual fee of ₹350 plus taxes. ATM cards are free.

You can close your Biz Lite+ Account without any charge within 14 days of account opening or after 12 months of account opening. ₹500 will be charged for account clouser between 15 days to 6 months, ₹250 will be charged for account clouser between 6 months to 12 months.