| Features | Biz Pro+ Account |
|---|---|
| AQB (Average Quarterly Balance) | Metro and Urban – ₹50,000 Semi Urban and Rural – ₹25,000 |
| Non-Maintenance Charges (per quarter) | Metro and Urban – ₹3,000 per quarter Semi Urban and Rural – ₹2,000 per quarter |
| Zero NMC Criteria* | Zero NMC if Quarterly Credit Volume through ME/PG/MPOS is ≥ ₹5 lakh |
| Important Note | 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 |
| Zero NMC for 2nd Quarter* | Zero NMC Charges for the second quarter of account opening if the customer is Digitally Active. Digital Activation includes Debit Card Activation (on ATM or POS), Bill Pay usage, and NetBanking or MobileBanking activation within the first 2 months of account opening. |
Download Fees & Charges effective 1st August 2025
Cash Transactions
| Description | Charges / Limits |
|---|---|
| Combined Cash Deposit ( Home Branch, Non-Home Branch & Cash Recycler Machines) - Monthly Limit | Free up to ₹6 lakh/month or 10× Current Month AMB, whichever is higher (Upper Cap – ₹25 crore) Beyond free limits: ₹4 per ₹1,000 (min ₹50 per transaction) |
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 |
| Operational Limit for Cash Deposit at Non-Home Branch (Daily) | ₹5 lakh |
| Cash Withdrawal – Home Branch | Unlimited Free |
| Cash Withdrawal – Non-Home Branch (Monthly Free Limit)* | Free 10× Current Month AMB (Upper Cap – ₹25 crore) Beyond: ₹2 per ₹1,000 (min ₹50 per transaction) |
| Daily Third-Party Cash Withdrawal at Non-Home Branch | ₹50,000 per transaction |
Non-Cash Transactions
| Description | Charges / Limits |
|---|---|
| Local/Intercity Cheque Collection, Payments & Fund Transfer | Free |
| Total Transactions – Monthly Free Limits* | Free 150 transactions per ₹1 lakh AMB (Upper Cap – 3000 transactions) |
| DD / PO at Bank Location - Monthly Limit | Free up to 50 DD/PO per month per ₹1 lakh AMB (Max 1000 DD/PO) Beyond: ₹1 per ₹1,000 (Min ₹50; Max ₹3,000 per instrument) |
| DD at Correspondent Bank Location | ₹1.50 per ₹1,000 (Min ₹50 per instrument) |
| Cheque Leaves – Monthly Free Limit | Free 100 leaves per ₹1 lakh AMB (Upper Cap – 2000 leaves) |
| Outstation Cheque Collection at Clean Location | Up to ₹ 25000 - ₹ 50, Above ₹ 25000 up to ₹1 lakh - ₹ 100/-, Above ₹ 1 lakh - ₹150/- |
| Note | *Total Transactions include Cash Deposit, Cash Withdrawal, Cheque Clearing & Fund Transfer Transactions |
Electronic Transactions
| Type | Charges |
|---|---|
| NEFT Payments | Free (Branch & NetBanking) |
| RTGS Payments | Free (Branch & NetBanking) |
| IMPS Payments | Free (Branch & NetBanking) |
| NEFT / RTGS / IMPS Collections | Free |
Debit Cards (Only for Individuals and Sole Proprietors)
| Card Type | EasyShop Business* | ATM Card |
|---|---|---|
| Annual Fee per card | Free | Free |
| Daily ATM Limit | ₹1 lakh | ₹10,000 |
| Daily POS Limit (Merchant Establishment) | ₹5 lakh | Not Applicable |
ATM Usage
| Transaction Type | Non-Financial | Financial |
|---|---|---|
| HDFC Bank ATMs | Free | Free |
| Domestic – Non-HDFC Bank ATMs | Max 5 free transactions/month (Max 3 in top 6 cities*) Beyond: ₹21 per transaction |
Max 5 free transactions/month (Max 3 in top 6 cities*) Beyond: ₹21 per transaction |
| International | ₹25 per transaction | ₹125 per transaction |
| Transaction Decline Charge | ₹25 per transaction (at other bank ATM or international merchant outlet due to insufficient funds) |
*Top 6 Cities: Mumbai, New Delhi, Chennai, Kolkata, Bengaluru, Hyderabad
Note: From 1st May 2025, ATM transaction charges beyond the free limit will be revised from ₹21 + taxes to ₹23 + taxes, wherever applicable.
Account Closure Charges
| Closure Period | Charges |
|---|---|
| Up to 14 Days | No Charge |
| 15 Days to 6 Months | ₹1,000 |
| 6 Months to 12 Months | ₹500 |
| Beyond 12 Months | No Charge |
Fees & Charges (Past Records)
Download Fees & Charges effective from 1st April, 2025
Disclaimer: Terms and conditions apply. HDFC Bank Biz Pro+ 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.
The Biz Pro+ Account requires ₹50,000 AQB in metro/urban areas and ₹25,000 in semi-urban/rural areas. Failing to maintain the AQB may lead to non-maintenance charges per quarter based on the location.
Yes, if the AQB is not maintained, Biz Pro+ Account holders are charged ₹3,000 in metro/urban or ₹2,000 in semi-urban/rural areas per quarter, unless eligible for zero NMC criteria.
If your quarterly credit volume through ME, PG, or MPOS is ₹5 lakh or more, or if you’re digitally active within two months of account opening, you qualify for zero Non-Maintenance Charges.
Biz Pro+ Account allows monthly free cash deposits up to ₹6 lakh or 10 times your current month’s AMB, whichever is higher. Beyond this limit, charges of ₹3.5 per ₹1000 apply.
At home branches, cash withdrawals are unlimited and free. At non-home branches, Biz Pro+ Account holders get free withdrawals up to 10 times the current month’s AMB, capped at ₹25 crore.
For a Biz Pro+ Account, daily third-party cash withdrawal from non-home branches is restricted to ₹50,000 per transaction, ensuring controlled access and enhanced security.
The Biz Pro+ Account offers 150 free total transactions per ₹1 lakh of the current month AMB, with a maximum limit of 3000 transactions, including deposits, withdrawals, cheque clearings, and fund transfers.
Yes, Biz Pro+ Account holders receive 100 free cheque leaves per ₹1 lakh Annual Maximum Balance (AMB), up to a maximum of 2,000 leaves per month, suitable for businesses with high cheque issuance needs.
The Biz Pro+ Account includes 50 free DDs/POs per ₹1 lakh AMB per month, capped at 1000. Beyond this, standard charges apply at ₹1 per ₹ 1,000, with a minimum charge of ₹50.
Yes, all NEFT, RTGS, and IMPS transactions through branches or NetBanking are free with the Biz Pro+ Account, providing businesses with seamless, cost-effective digital transaction options.
For the first 6 Months, Biz Pro+ Account holders can withdrawals ₹50,000/day and ₹10 Lakh/month from ATMs. After 6 months, the daily limit increases to ₹2 Lakh per day and ₹10 Lakh per month.
At HDFC Bank ATMs, all transactions are free. At Non HDFC Bank ATMs, five transactions are free monthly. Beyond that, charges apply. International transactions incur ₹125 for financial and ₹25 for non-financial use.
Closing a Biz Pro+ Account within 14 days is free. Between 15 days and 6 months, ₹1,000 is charged, and between 6–12 months, ₹500. No charges apply after 12 months.