| Features | E-Comm Current Account | |
|---|---|---|
| Average Quarterly Balance (AQB) | ₹25,000 | |
| Non-Maintenance Charges (per quarter) | ₹1,800 | |
| CASH TRANSACTIONS | ||
| - Combined Cash Deposit Limit at any HDFC Bank Branches - Monthly Limit |
Combined Limit at any HDFC Bank Branches Free up to higher of ₹3 lakh or 6 times the current month AMB or 40 transactions whichever is breached first, (subject to a maximum ₹100 lakh.) Charges at ₹3.5 per ₹1,000, minimum ₹50 per transaction beyond free limits. |
|
| Cash deposit in low denomination notes i.e. ₹50 and below at any HDFC Bank Branch (monthly) | Cash deposit in notes: Free up to ₹10,000 per month, beyond free limit chargeable at 2% of cash deposit in low denomination notes. Cash deposit in coins: Free up to ₹1,000 per month, beyond free limit chargeable at 5% of cash deposit in coins. |
|
| Operational Limit for Cash Deposit at Non-Home Branch (per day) | ₹1 lakh. | |
| Cash Withdrawal Limit at Home Branch | Free | |
| Cash Withdrawal Limit at Non-Home Branch (Daily Limit). | ₹1 lakh per day Charges at ₹2 per ₹1,000, minimum ₹50 per transaction beyond the free limit. |
|
| NON - CASH TRANSACTIONS | ||
| Local / Intercity cheque collection/payments and fund transfer. | Free | |
| Bulk Transactions (count of all cheque clearing and fund Transfer transactions): Monthly Free Limit | Free up to 200 transactions. Charges ₹30 per transaction beyond free limits |
|
| Cheque Leaves - Monthly Free Limit | Free up to 300 cheque leaves Charges at ₹3 per leaf beyond free limits. |
|
| Speed Clearing (per instrument charges) |
Up to ₹1 lakh - Free Above ₹1 lakh - ₹15 |
|
| Outstation Cheque Collection at Bank Location (per instrument charges) |
₹20 | |
| Outstation Cheque Collection at Bank Location (per instrument charges) |
Up to ₹35,000: ₹50 ₹35,001 to ₹1 lakh: ₹100 Above ₹1 lakh - ₹150 |
|
| Outstation cheque collection at Clean Location (per instrument charges) |
Up to ₹25,000:₹50 ₹25,001 to ₹1 lakh: ₹100 Above ₹1 lakh: ₹150 |
|
| Demand Drafts (DD)/ Pay Orders (PO) at Bank Location | Free up to 50 DD/PO each Charges at ₹25 per instrument beyond free limits. |
|
| Demand Drafts (DD) at Correspondent Bank location | Charges at ₹2 per ₹1,000; Minimum ₹50 | |
| ELECTRONIC TRANSACTIONS | ||
| NEFT payments | Free | |
| RTGS payments | Free | |
| IMPS Payments | ₹0 - ₹1000 | ₹3.50 per transaction |
| ₹1001 - ₹1 lakh | ₹5 per transaction | |
| Above ₹1 lakh | ₹15 per transaction | |
| NEFT / RTGS / IMPS Collections | Free | |
| DEBIT CARDS (only for Individuals and Sole proprietorships) | ||
| Debit Card | EasyShop Business | ATM Card |
| Annual Fee per card | ₹250 | Free |
| Daily ATM limit | ₹1 lakh | ₹10,000 |
| Daily Merchant Establishment Point of Sale limit | ₹5 lakh | NA |
| Also available for partnership firms and 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 ₹50,000/day and ₹10 lakh/month for the first 6 months from the Account opening date. -For accounts older than 6 months, the ATM cash withdrawal limit is capped at ₹2 lakh/day and ₹10 lakh/month, effective immediately. |
||
| ATM Usage | ||
| ATM transactions at HDFC Bank ATM. | Unlimited Free | |
| ATM transactions at Non-HDFC Bank ATM | Maximum of 5 transactions free in a month with a cap of a maximum of 3 free transactions in the top 6 cities at non-HDFC Bank ATMs. Note: Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities. |
|
| ACCOUNT CLOSURE CHARGES | ||
| Closure: Up to 14 days | No Charge | |
| Closure: 15 days to 6 months | ₹1,000 | |
| Closure: 6 months to 12 months | ₹500 | |
| Closure: Beyond 12 months | No Charge | |
| ACH Return Charges | ||
| 1 to 3 transactions in a month | ₹350 per transaction | |
| Fourth instance and beyond | ₹750 per transaction | |
| Other Charges | ||
| One time Mandate Authorisation Charges (Physical / Online) | ₹40 per mandate | |