Explore Our Best-in-Class Biz+ Current Account Suite
Fees and Charges of FD-OD Current Account
| Features | FD-OD Current Account |
|---|---|
| Average Quarterly Balance (AQB) | Nil AQB (with OD Limit) ₹10,000 AQB (OD Limit Closed) |
| Non-Maintenance Charges (per quarter) | ₹1,500/- |
Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB,
Cash Transactions
| Features | Details |
|---|---|
| Combined Cash Deposit at Home Location, Non-Home Location and Cash Recycler Machines** (Monthly Free Limit) | Free up to ₹2 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 = Free Limit up to ₹10,000 per month; Chargeable at 2% of cash deposit in low denomination notes beyond free limit Cash Deposit in Coins = Free Limit up to ₹5,000 per month; Chargeable at 2% of cash deposit in coins beyond free limit
|
| Operational Limit for Cash Deposit @ Non-Home Branch (Per Day) | ₹ 10,000/- |
| Cash Withdrawal @ Home Branch | Free |
| Cash Withdrawal @ Non-Home Branch | No free limit |
| Charges for Withdrawal @ Non-Home Branch | ₹ 2/- per ₹ 1,000/-, minimum ₹ 50 per transaction |
| Daily Third-Party Cash Withdrawal Limit @ Non-Home Branch | ₹ 50,000/- 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
| Feature | Details |
|---|---|
| Local / Intercity Cheque Collection / Payments & Fund Transfer | Free |
| Bulk Transactions – Monthly Free Limit | Free up to 50 transactions; Charges @ ₹35 per transaction beyond free limits |
| Cheque Leaves – Monthly Free Limit | Charges @ ₹ 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/- |
| Demand Drafts / Pay Orders @ Bank Location | No free limit Charges ₹ 1/- per ₹ 1,000/- Min ₹ 50/- and Max ₹ 3,000/- per instrument |
| Demand Drafts @ Correspondent Bank Location | Charges @ ₹ 2/- per ₹ 1,000/- Minimum ₹ 50/- per instrument |
* Bulk transactions include count of all Cheque clearing and Fund Transfer Transactions
NEFT / RTGS / IMPS 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
| Feature | Business Card | ATM Card |
|---|---|---|
| Annual Fee per Card | ₹ 350/- plus taxes | Free |
| Daily ATM Withdrawal Limit | ₹ 1,00,000 | ₹10,000 |
| Daily POS (Merchant Establishment) Limit | ₹ 5,00,000 | Not Applicable (NA) |
# Also available for partnership firms and limited company current accounts. If the Mode of Operation (MOP) is conditional, all Authorized Signatories (AUS) must 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
| ATM Txns (@ HDFC Bank ATM) | Unlimited Free |
|---|---|
| ATM Txns (@ Non- HDFC Bank ATM) | No Free Limits, Charges @ ₹ 23/- per transaction |
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 to 6 months | ₹ 500/- |
| 6 months to 12 months | ₹ 500/- |
| Beyond 12 months | No Charges |