Biz Ultra+ Account - Fees and Charges

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

 

Features Biz Ultra+ Account
AQB Metro & Urban – ₹2 lakh
Semi-Urban & Rural – ₹1 lakh
Non-Maintenance Charges (Per Quarter) Metro & Urban – ₹5,000
Semi-Urban & Rural – ₹3,000
Zero NMC Criteria* Zero NMC if Quarterly Credit Volume through ME/PG/MPOS ≥ ₹7 lakh
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
Additional NMC Waiver* Zero NMC Charges for the second quarter of account opening if the customer is digitally active. Digital Activation includes:
- Debit Card Activation (ATM or POS)
- Bill Pay usage
- NetBanking or MobileBanking activity within the first 2 months

 

Download Fees & Charges effective 1st August 2025

 

Cash Transactions

 

Description Details
Combined Cash Deposit (Home Branch,  Non-Home Branch & Cash Recycler Machines) - Monthly Limit Free up to ₹25 lakh/month or 12× Current Month AMB (whichever is higher); Upper Cap – ₹50 crore
Beyond limit: ₹4 per ₹1,000 (Minimum ₹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


Cash deposit in coins = Nil free limits; 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 12× Current Month AMB (Upper Cap – ₹50 crore);
Beyond this: ₹2 per ₹1,000 (Minimum ₹50 per transaction)
Third-Party Cash Withdrawal – Non-Home Branch ₹50,000 per transaction (Daily Limit)

 

Non-Cash Transactions

 

Service Details
Local/Intercity Cheque Collection & Fund Transfers Free
Total Transactions – Monthly Free Limit* Free 200 transactions per ₹1 lakh AMB (Max Cap – 4000 transactions). Charges ₹50 per transaction beyond free limits.
Demand Drafts/Pay Orders (Bank Location) - Monthly Limit Free up to 75 DD/PO per ₹1 lakh AMB (Max 1000 DD/PO); Beyond limit: ₹1 per ₹1,000 (Min ₹50, Max ₹3,000 per instrument)
Demand Drafts (Correspondent Bank Location) ₹1.50 per ₹1,000 (Min ₹50 per instrument)
Cheque Leaves – Monthly Limit Free 150 cheque leaves per ₹1 lakh AMB (Max Cap – 2500 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/-

 

*Total Transactions includes Cash Deposits, Withdrawals, Cheque Clearing & Fund Transfers

 

Electronic Transactions

 

Transaction Type Charges
NEFT Payments Free via Branch & NetBanking
RTGS Payments Free via Branch & NetBanking
IMPS Payments Free via Branch & NetBanking
NEFT / RTGS / IMPS Collections Free

 

Debit Cards (For Individuals & Sole Proprietors)

 

Card Type Easyshop Business* ATM Card
Annual Fee Free Free
Daily ATM Limit ₹1 lakh ₹10,000
Daily POS Limit ₹5 lakh Not Applicable

 

*Also available for partnership firms & limited company current accounts. In case the MOP(Mode of Operation) is conditional, all AUS (Authorised Signatories) have to sign the form jointly.


*Security Reasons:

 

  • ATM cash withdrawal limit is capped at ₹0.5 lakh per day and ₹10 lakh per month for the first 6 months from Account opening date.
  • For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹2 lakh per day and ₹10 lakh per month. This is implemented with immediate effect. 

ATM Usage

 

Transaction Type Non-Financial Financial
HDFC Bank ATMs Free Free
Non-HDFC Bank ATMs (Domestic) Max 5 free/month
Max 3 in top 6 cities (Mumbai, Delhi, Chennai, Kolkata, Bengaluru, Hyderabad)
Charges Beyond limit: ₹23/transaction		  
International ATMs ₹25 per transaction ₹125 per transaction
Failed Transaction Fee (Insufficient Funds) ₹25 per transaction (Domestic or International)  

 

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 – 6 Months ₹1,500
6 Months – 12 Months ₹750
Beyond 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 Ultra+ Account

Disclaimer: Terms and conditions apply. HDFC Bank Biz Ultra+ 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

The Biz Ultra+ Account requires an AQB of ₹2 lakh for metro and urban areas, and ₹ 1 lakh for semi-urban and rural areas. Falling short may attract non-maintenance charges.

If AQB is not maintained, Biz Ultra+ Account holders pay ₹5,000 quarterly in metro/urban areas and ₹3,000 in semi-urban/rural regions. Charges apply unless criteria for zero NMC are met.

To avoid non-maintenance charges, Biz Ultra+ Account holders must ensure a quarterly credit volume of ₹7 lakh or more through ME, PG, or MPOS services.

Yes, Biz Ultra+ Account holders can get the benefit of Zero NMC charges for the second quarter if they are digitally active within two months of opening of the account, using Debit Card, Bill Pay, NetBanking or MobileBanking

The Biz Ultra+ Account offers free monthly cash deposits up to ₹25 lakh or 12 times the current month’s AMB, whichever is higher. The cap is set at ₹50 crore.

Biz Ultra+ Account holders can deposit up to ₹10,000 in ₹50 or lower notes and ₹1,000 in coins for free monthly. Beyond that, charges are 2% for notes and 5% for coins.

Biz Ultra+ Account allows a daily cash deposit limit of ₹5 lakh at non-home branches. Exceeding this may not be permitted due to operational restrictions.

Biz Ultra+ Account holders can withdraw cash free up to 12 times the current month’s AMB, capped at ₹50 crore. Beyond this, a charge of ₹2 per ₹1,000 applies, minimum ₹50.

For the Biz Ultra+ Account, third-party cash withdrawals at non-home branches are capped at ₹50,000 per transaction, enhancing security and transaction control.

Biz Ultra+ Account offers 200 free transactions monthly per ₹1 lakh of AMB. The benefit is capped at 4,000 transactions, helping businesses manage high-volume banking efficiently.

Yes, Biz Ultra+ Account includes up to 75 free DDs/POs per ₹1 lakh AMB monthly, with a maximum of 1,000 instruments. Beyond that, standard charges apply.

Biz Ultra+ Account provides 150 free cheque leaves monthly per ₹1 lakh AMB, with a cap of 2,500 leaves. Maintaining higher balances offers more benefits.

Yes, Biz Ultra+ Account holders enjoy completely free NEFT, RTGS, and IMPS transactions through both branch and online banking, ensuring seamless fund transfers.

For the first 6 months, Biz Ultra+ Account holders can withdraw ₹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.

Closing a Biz Ultra+ Account within 14 Days is free. Between 15 Days to 6 Months: it’s ₹1,500; between 6 Months to 12 Months: ₹750. No charge applies after 12 Months.