Max Current Account

(Sourcing Discontinued Eff. 01-08-2019)

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 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	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.
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.
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