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Fees and Charges of Current Account for Professionals

Enclosed below are HDFC Bank Current Account for Professionals fees and charges

 

Features Current Account for Professionals
Average Quarterly Balance (AQB) ₹ 10,000/-
Non-Maintenance Charges (per quarter) ₹ 1,500/-
Note: Free Cash Deposit limits will lapse if AQB maintained is less than 75% of required product HAB

 

Download Fees & Charges effective 1st August’2025

 

Cash Transactions

 

Features Details
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) Free up to ₹10 Lakh or 25 transactions (whichever is breached first) at any HDFC Bank Branch / Cash Recycler Machines; Beyond free limits, standard 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 Branch (per day) ₹ 1,00,000/-
Cash Withdrawal @ Home Branch Free
Cash Withdrawal @ Non-Home Branch No free limit. Charged @ ₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- per transaction

 

**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.

 

Non - Cash Transactions

 

Features Details
Local / Intercity Cheque Collection / Payments & Fund Transfer Free
Demand Drafts (DD) / Pay Orders (PO) @ Bank Location First 30 DDs/POs per month – Free
Beyond that: ₹ 1/- per ₹ 1,000/-, Min ₹ 50/-, Max ₹ 3,000/- per instrument
Demand Drafts (DD) @ Correspondent Bank Location ₹ 2/- per ₹ 1,000/-
Minimum ₹ 50/- per instrument
Cheque Leaves – Monthly Free Limit Free up to 50 leaves
Beyond free limit: ₹ 3 per leaf
Outstation Cheque Collection @ 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/-
Bulk transactions - Bulk Transaction includes count of all Cheque clearing and Fund Transfer Transactions Free up to 75 transactions; Charges @ ₹35 per transaction beyond free limits

 

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 Card (only for Individuals and Sole proprietorships)

 

Feature Business Card 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/- 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.

  • *For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.   

  • For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect.  

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

 

ATM Usage

 

Transaction Type Details
ATM Transactions @ HDFC Bank ATM Unlimited Free
ATM Transactions @ Non-HDFC Bank ATM Maximum of 5 Transactions Free in a month with a cap of maximum 3 free transactions in Top 6 cities1 @ Non-HDFC Bank ATM. Charges beyond free limits @ ₹ 21/- per transaction
1. Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities

 

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

 

ACCOUNT CLOSURE CHARGES

 

Closure Period Charges
Up to 14 days No Charge
15 days to 6 months ₹ 500/-
6 months to 12 months ₹ 250/-
Beyond 12 months No Charge

 

Fees & Charges (past records)

 

Click here to view Fees & Charges for Current Account for Professionals before 1st Oct’23

Click here to view Fees & Charges for Current Account For Professionals before 1st December’2024

Click here to view Fees & Charges for Current Account for Professionals before 1st August’2025

 

  • Click here to read the Terms & Conditions of a Current Account for Professionals.

Frequently Asked Questions

HDFC Bank Current Account for Professionals is a transaction account designed specifically for professionals, such as Chartered Accountants, Company Secretaries, Doctors, Architects, and Cost Accountants. It offers a range of features and benefits tailored to the unique financial needs of professionals. 

Current Account for Professionals is ideal for Chartered Accountants, Company Secretaries, Architects and Doctors

AQB Requirement – ₹10,000/- (across all locations)

NMC charges: ₹1,500/- (per quarter)

Following are the key features of Current Account for Professionals:

 

Free cash deposit up to ₹10 Lakh per month or 25 transactions (whichever is breached first) at any HDFC Bank branches

 

Free 30 DD’s /PO’s each, per month, payable at HDFC Bank locations

 

Personalised Cheque Book (Payable-at-par) – 50 cheque leaves free per month

 

Free collection of funds through RTGS / NEFT / IMPS

 

Free Local /Anywhere Cheque Payments & Collections & Account to account Funds Transfer at all HDFC Bank locations.

 

Access to Direct Banking Channels – NetBanking, PhoneBanking, InstaQuery & Doorstep Banking

Current Account for Professionals offers following free limits for cash deposits:

Free Cash Deposits up to ₹10 lakhs or 25 transactions (per month), whichever is breached first; at any HDFC Bank branches

Current Account for Professionals offers following free limits for cash withdrawal:

 

Unlimited cash withdrawal from Home branch

 

No free limits at Non-home branch

Current Account for Professionals offers following free limits for issuing DDs/POs:

 

DD/POs (Bank Location) – free up to 30 each per month

 

DD/POs (Correspondent Bank Location) – No free limits

A11: Current Account for Professionals offers 50 free cheque leaves, per month to accountholders.

Current Account for Professionals offers up to 75 free Bulk transactions per month.

 

(Note: Bulk transactions include all Local & Anywhere clearing and Fund transfers)

Online NEFT/RTGS payments are free. 

 

Through branch, NEFT payments are charged as follows:

 

Up to ₹1 lakh: ₹ 2/- per transaction,

 

Above ₹1 lakh: ₹10/- per transaction

 

Through branch, RTGS payments are charged as follows:

 

Above ₹2 lakh: ₹15/- per transaction

 

IMPS charges on outgoing transactions (through NetBanking & MobileBanking) are as follows:

 

Up to ₹1,000: ₹3.5/- per transaction,

 

Above ₹1,000 and up to ₹ 1 lakh: ₹5/- per transaction

 

Above ₹1 lakh and up to ₹ 2 lakhs: ₹15/- per transaction (charges exclusive of GST)

With HDFC Bank, you can bank anytime, anywhere in person at a branch or ATM, from your laptop or mobile. Click here for more details.