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What's in store for you

Indian oil card1

Are you ready for some exciting benefits and deals?

Check out the benefits

  • Minimum Average Monthly Balance of ₹75,000

  • Non-maintenance charges of ₹1,000 per month for minimum balances below ₹75,000

  • Cheque Book Charges: ₹3 per leaf beyond the first 100 leaves

  • Free Monthly Account Statements through NetBanking

  • Complimentary Demand Drafts up to 40 per month; charges apply thereafter at ₹25 per draft

Wondering if you are eligible for this card?

For Salaried

  • Nationality: Indian
  • Age: Min 21 years to Max 60 years
  • Income: Net Income > ₹1.75 lakh monthly

For Self Employed Individuals

  • Nationality: Indian

  • Age: Min 21 years to Max 65 years

  • Income: Net income > ITR ₹21 lakh annually

Documents required to get you started

To open Flexi Current Account online in India, please ensure you have the following documents handy:

Identity proof

  • Passport
  • Aadhar card
  • Voter ID
  • Driving license
  • PAN Card
  • Passport size photographs

Address proof

  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Passport
  • Aadhar card
  • Voter ID

Income proof

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Simplify KYC with Video Verification

Complete your KYC for Ascent current account online in just a few clicks:

  • Send us digital copies of your PAN and Aadhar card
  • Get super-quick digital verification
  • No branch visits and instant paperless process
no data

Fees and Charges of Flexi Current Account

Description of Charges Flexi Current Account
Minimum Balance (Average Monthly Balance) ₹75,000 per month
Non-Maintenance Charges per month ₹1,000 per month
Mode of calculation of minimum average monthly balance Average of daily closing balances of each day spread over 1 month.
Cheque Book Charges (Issued by Bank)
(Customers can request a maximum of 100 cheque leaves through NetBanking. For requests above 100 cheque leaves, customers need to visit the branch.)		 Payable-at-par
100 cheque leaves Free per month.
Charges ₹2 per leaf beyond 100 leaves.
Other Current Account Facilities
Account Statement Free (Monthly)
Duplicate/Ad Hoc Statement
Requests through Direct Banking Channels ₹50 per statement through ATM/Mobile Banking/Net Banking and Phone Banking (IVR)
At branch or PhoneBanking (Non-IVR) ₹100 per statement through Branch; ₹75 per statement through PhoneBanking (Non-IVR)
Hold Statement Facility ₹400 per year
Remittance facility through own Bank
Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Free up to 40 DDs per month. Above 40 DDs, charges at ₹25 per Demand draft.
Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 40 POs per month. Above 40 POs, charges at ₹25 per Pay Order.
Issuance of DD/ PO through PhoneBanking All standard charges for DD / PO are applicable as above.
Only DD / PO amounts up to ₹500,000 are accepted at Phone Banking.
DD/PO-Cancellation/Revalidation ₹60 per instance
NEFT Transactions
Payments (At branch) 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
Collections Free
RTGS Transactions:
Payments (At branch) Free on NetBanking & Mobile Banking; Branch Banking = ₹2 Lakh to ₹5 Lakh: ₹20 per transaction, Above ₹5 Lakh: ₹45 per transaction
Collections Free
NEFT/RTGS payments are free through NetBanking
Local Transactions (At home branch location)
Local cheque collections and payments Free
Account to Account Fund Transfer within HDFC Bank Free
Anywhere Transactions
Payments at HDFC Bank Locations Free
Account to Account fund Transfer within HDFC Bank Location Free
Collection at all HDFC Bank Locations Free
Bulk Transactions (Monthly Limit) Free up to 250 transactions; Charges @ ₹35 per transaction beyond free limits
Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) ₹1.50 per ₹1,000 , Minimum ₹50 per DD
DD-Cancellation / Revalidation ₹100 per instrument
Cheque Collection
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/-
Cheque Collection through Speed Clearing Instrument Value Charges
Up to ₹1 lakh Free
Above ₹1 lakh ₹15 per instrument
Bouncing of cheques- Local
Cheques Drawn on us
Due to Insufficient Funds Up to 2 instruments per month: ₹500 per instrument
3rd instrument onwards: ₹750 per instrument
Due to Technical Reasons No Charge
Cheques Deposited Returned Unpaid Local Cheque: ₹100 per instrument
Outstation Cheque: ₹150 per instrument
Doorstep Banking **
Cash Pickup Charges (within municipal city limits)
Cash Pickup up to ₹1 lakh ₹150 per pickup
Cash Pickup beyond  ₹1 lakh and up to ₹2 lakh ₹200 per pickup
Cash Pickup beyond ₹2 lakh and up to ₹3 lakh ₹300 per pickup
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager
Cash Transactions
Cash Deposit
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) Free up to 10 times of Current Month AMB or 50 transactions, whichever is lower at any HDFC Bank Branch / Cash Recycler Machines; Beyond free limits, standard charges @ ₹4 per ₹1000, minimum ₹50 per transaction beyond free limits
Limit on Inter-Branch deposits (Within Home Branch City

Cash deposit at non-home Branches within home branch city subject to maximum of ₹1,00,000 per account per day
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

Free Cash deposit limit will lapse for the account if AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customers will be charged from the 1st transaction of the cash deposit.


**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.
Cash Withdrawal
Cash Withdrawal-Home Branch Free at Home Branch
Cash Withdrawal-Non-Home Branch-Intracity and Intercity Free cash withdrawals up to ₹50,000 per day, beyond which charges at ₹2 per ₹1000, min ₹50 per transaction (Only for incremental amount)
Third-party cash withdrawal is allowed only up to maximum ₹50,000 per transaction.
Miscellaneous
Balance enquiry ₹25
TDS Certificate Free
Balance Confirmation Certificate ₹50
Interest Certificate ₹50
Cheque Status per instance ₹25
Photo Verification ₹100 per instance
Address Confirmation ₹100 per instance
Signature Verification ₹100 per instance
Setting up of Standing Instructions Nil
Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address) ₹50 per instance
TIN/IPIN Regeneration (requests received at the branch for physical dispatch)    
SI rejects Up to 3 returns - 350/instance
4th return onward 750/instance
ECS (Debit) Return Charges
(Quarterly Charges)		 Up to 3 returns - ₹350/ instance
4th return onward ₹750 /instance
Old Records / Copy of Paid Cheque
₹200 per record
Common Charges for Debit / ATM Cards
Replacement of damaged card Free
Replacement of Lost card ₹200  
Copy Retrieval Request ₹100
Re-Issuance of PIN ₹50 (plus taxes)
ATM Usage:
Transaction Type Balance Inquiry Cash Withdrawal
HDFC Bank ATMs Free Free
Non-HDFC Bank ATMs
Domestic 3 transaction in 6 Cities** and 5 transactions in other than above cities free per month, beyond which charges applicable at ₹20 per transaction
Note: **6 Cities- Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered.
International*
*The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/MasterCard wholesale exchange rate prevailing at the time of transaction		 ₹25 per transaction ₹125 per transaction
Transaction Decline Charge (at Non HDFC Bank ATMs) ₹25 per transaction
Insta Alert / Mobile Banking
Insta Alert Nil
Other Current Account facilities
Stop Payment Charges
Particular cheque ₹100 (Free through phone-banking)
Range of cheques ₹250 (Free through phone-banking)
Account Closure:
Up to 14 days No Charge
15 days to 6 months ₹1,000
6 months up to 12 months ₹500
Beyond 12 months No Charge
Activation of Dormant / inoperative account No Charge
Charges on all IMPS Outgoing transactions:
Up to ₹1000 ₹2.5
Above ₹1000 up to ₹1 Lakh ₹5
Above ₹1 Lakh up to ₹2 Lakh ₹15

 

  • All charges are exclusive of GST as applicable from time to time

  • +For accounts maintaining AMB less than ₹75,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement

  • **Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.

 

Fees and Charges (Past Records)

Download Fees & Charges effective 1st August’25

Click here to view Fees & Charges for Flexi Current Account before 1st January’ 2016
Click here to view change in Fees & Charges for Flexi Current Account before 1st March’ 2015
Click here to view Fees & Charges for Flexi Current Account before 1st December, 2014
Click here to view Fees & Charges for Flexi Current Account before 1st November, 2013
Click here to view charges applicable before 1st September,2010

Download Fees & Charges effective 1st November'22
Download fees & charges effective 1st October'23
Download Fees & Charges effective 1st December'24

Click here to read the Terms and Conditions of Flexi Current Account.

Frequently Asked Questions

The Flexi Current Account requires a minimum balance, specifically an average monthly balance of ₹75,000.

The Flexi Current Account mandates maintaining an average monthly balance of ₹75,000. Failure to meet this requirement incurs non-maintenance charges of ₹1,000 per month.