Fees and Charges of Max Current Account
Enclosed below are HDFC Bank Max Current Account fees and charges
| Description of Charges | Max Current Account | |
|---|---|---|
| Average Quarterly Balance | ₹5 lakh (AQB) | |
| Non-Maintenance Charges (per Quarter/Month/half yearly) | ₹2.5 lakh and above: ₹3,000 per quarter Less than ₹2.5 lakh - ₹8,000 per quarter |
|
| Mode of calculation of minimum average quarterly balance | Average of daily closing balances of each day spread over 3 months. | |
| Cheque book charges (Issued by Bank) (Customer can request for maximum 100 cheque leaves through Net Banking. For requests above 100 cheque leaves customer needs to visit the branch.) |
Payable-at-par 500 cheque leaves Free per month ₹3 per leaf beyond 500 leaves |
|
| Free Monthly Cheque Leaves | 500 | |
| 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 phone banking (non-IVR) | ₹100 per statement through branch ₹75 per statement through phone banking (non-IVR) |
|
| Remittance facility through own Bank | ||
| Demand Drafts (DD) Payable at HDFC Bank locations (Issued from Any branch)/ Duplicate DD |
Free | |
| Pay Orders (PO) on HDFC Bank Locations (Issued from any branch)/ Duplicate PO |
Free | |
| Issuance of DD / PO Through phone banking |
All standard charges for DD / PO are applicable as above Only DD amount up to ₹5 lakh for Current Max Accountholders accepted at phone banking. |
|
| DD/PO-Cancellation/Revalidation | ₹60 per instance | |
| DD/PO at Bank location | Unlimited Free | |
NEFT/EFT Transactions: |
||
| Payments | Free | |
| Collections | Free | |
RTGS Transactions: |
||
| Payments | Free | |
| Collections | Free | |
Local Transactions (At home branch location) |
||
| Local cheques collections & payments | Free | |
| Account to Account Fund Transfer within HDFC Bank | Free | |
| Anywhere Transactions | ||
| Account to Account Funds Transfer within HDFC Bank | Free | |
| Payments at HDFC Bank locations | Free | |
| Collections at HDFC Bank locations | Free | |
| Bulk Transactions (Monthly Limit) | Free up to 500 transactions; Charges @ ₹35 per transaction beyond free limits | |
| Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie-up) | ₹1.50 per 1000, minimum ₹50 per instrument | |
| DD-Cancellation / Revalidation | ₹50 per instrument | |
| Cheque Collection | ||
| Outstation cheque collection at bank locations | Instrument Value Charges Any Amount Free |
|
| Outstation cheque collection at Correspondent Bank Location | Instrument Value Charges Up to ₹35,000 ₹50 per instrument Above ₹35,000 and up to ₹ 1 lakh ₹100 per instrument Above ₹1lakh ₹150 per instrument |
|
| Outstation Cheque Collection at Clean Location | Instrument Value Charges Up to ₹25,000 ₹50 per instrument Above ₹25,000 and up to ₹1 lakh ₹100 per instrument Above ₹1 lakh ₹150 per instrument |
|
| Cheque collection through Speed Clearing | Free | |
| Bouncing of cheques- Local | ||
| Cheques Drawn on us | ||
| Due to Insufficient Funds | Up to 2 instruments per month ₹ 500 per instrument 3rd onwards ₹750 per instrument Due to funds transfer cheque return ₹350 per instrument |
|
| Due to Technical Reasons (Date not mentioned, post-dated, sign mismatch, etc.) |
₹ 50 per instrument | |
| Cheques Deposited Returned Unpaid | Local and outstation: ₹200 instrument Free limit: Up to 5 return per month |
|
| Doorstep banking (Available at select locations. You need to register with the bank to avail of these services, please contact your branch manager for further details) | ||
| Cash Pickup Charges (within municipal city limits) | ||
| Up to ₹1 lakh | ₹200 per pickup | |
| Beyond ₹1 lakh and up to ₹2 lakh | ₹225 per pickup | |
| Beyond ₹2 lakh and up to ₹4 lakh | ₹350 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) | Higher of ₹60 Lakh or 10 times of Current Month AMB or 60 transactions, whichever is breached first (Upper Cap - ₹200 Lakh); 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 at non-home branches | Maximum cash deposit limit at non-home branches is subject to a limit of ₹3 lakh per day | |
| 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. Customer will be charged from 1st transaction of 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 at non-home branch, Intracity and Intercity | Free cash withdrawals up to ₹50lakh per month, beyond which charges at ₹2 per 1000, min ₹50per transaction on incremental amount. Third party cash withdrawal allowed only up to maximum ₹50,000 per transaction. |
|
| Miscellaneous | ||
| Balance enquiry | Free | |
| TDS Certificate | Free | |
| Balance Confirmation Certificate | ₹100 | |
| Interest Certificate | ₹100 | |
| Cheque Status per instance | Free | |
| Photo Verification | ₹100 per instance | |
| Address Confirmation | Free | |
| Signature Verification | ₹100 per instance | |
| ECS (Debit) Return Charges (Quarterly Charges) |
Up to 3 returns - ₹350 instance 4th return onward - ₹750 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 | |
| Re-generation of Phone Banking TIN (request received at branch for physical dispatch) | Free | |
| SI rejects | Up to 3 returns - ₹250/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: | ||
| ATM transactions at HDFC Bank ATM | Unlimited Free | |
| ATM transaction at financial and non-financial at HDFC Bank ATM) | Maximum of 5 transactions free in a month, maximum 3 free transactions free in top 6 cities at non-HDFC Bank ATM. Note: Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as top 6 cities. |
|
| Stop Payment Charges | ||
| Particular cheque | ₹100 (Free through Net Banking and Phone Banking | |
| Range of cheques | ₹ 200 (Free through Net Banking and Phone Banking) | |
| Account Closure: | ||
| Up to 14 days | No Charge | |
| 15 days to 6 months | ₹2,000 | |
| 6 months upto 12 months | ₹1,000 | |
| Beyond 12 months | No Charge | |
| Activation of dormant/inoperative account | No Charge | |
| InstaAlert / Mobile Banking | ||
| Insta Alert | Nil | |
| Transactions through PhoneBanking: | ||
| Interactive Voice Response (IVR) | Free | |
| Non-IVR Agent-assisted -for accounts maintaining AQB | Free | |
| Non-IVR Agent-assisted - for accounts not maintaining AQB as of previous quarter | ₹50 per call | |
| Charges on all IMPS Outgoing transactions: | ||
| Up to ₹ 1000 | ₹5 per transaction | |
| Above ₹1000 up to ₹1 Lakh | ₹5 per transaction | |
| Above ₹1 Lakh up to ₹2 Lakh | ₹15 per transaction | |
| Debit Cards (only for Individuals & Sole Proprietorship) | ||
| Debit Card | Business# | ATM Card |
| Annual Fee per card | ₹250 | Free |
| Daily ATM limit | ₹1lakh | ₹10,000 |
| Daily Merchant Establishment Point of Sale limit | ₹5lakh | 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. | ||
Please note:
All charges are exclusive of GST as applicable sometimes.
Accounts maintaining AQB less than ₹5 lakh as of the previous quarter will be charged ₹25 each for the next 3 monthly statements.
**Available at select locations. You need to register with the bank to avail yourself of these services, please contact your branch manager for further details.
*Revised Business Debit Card charges are effective from 1st August’2024
Fees and Charges (Past Records)
Download Fees & Charges effective 1st August’25
Click here to view Fees & Charges for Max Current Account before 1st November' 2022
Click here to view Fees & Charges for Max Current Account before 1st January' 2016
Click here to view change in Fees & Charges for Max Current Account before 1st March’ 2015
Click here to view Fees & Charges for Max Current Account before 1st December, 2014
Click here to view Fees & Charges for Max Current Account before 1st November, 2013
Click here to view charges applicable before 1st July, 2012
Click here to view charges applicable before 1st January, 2012
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 Max Current Account.