| Description of Charges | Merchant Advantage Plus Current Account | |
|---|---|---|
| Minimum Balance (Average Monthly Balance) | Rs. 100,000/- | |
| Non-Maintenance Charges per month | Rs 1,000 per month | |
| Cheque Book Charges (Issued by Bank) ( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.) |
Payable-at-par 200 cheque leaves Free per month. Charges Rs 3/- per leaf beyond 200 leaves | |
| Other Current Account facilities | ||
| Issue of Duplicate / Adhoc Statement | Branch - Rs 100/- PhoneBanking ( Non IVR) - Rs.75/- NetBanking , Mobile Banking, PhoneBanking - IVR & ATM - Rs 50/- |
|
| Mode of calculation of minimum average monthly balance | Average of daily closing balances of each day spread over a period of one month. | |
| Remittance facility through own Bank | ||
| Demand Drafts (DD) / Pay Orders (PO) payable at HDFC Bank Locations (Issued from any branch) | Free 50 DD/PO per month. Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and Max ₹ 3000/- per instrument beyond free limit | |
| 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 Fund Transfer within HDFC Bank | Free | |
| Payments at HDFC Bank Locations | Free | |
| Collections at HDFC Bank Locations | Free | |
| Bulk Transaction Charges | All above transaction are subject to a maximum of 150 transaction per month beyond which charges @ Rs.30/- per transaction would be levied. Includes all Local/Anywhere clearing & Funds transfer transactions | |
| Remittance facility through other Bank | ||
| Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup) | Rs 1.50 per Rs.1000/- Minimum Rs.50/- per DD | |
| DD-Cancellation / Revalidation | Rs.100/- per instrument | |
| Cheque Collection | ||
| Outstation Cheque Collection at Clean Location | Instrument Value | Charges |
| Upto Rs 25,000/- | Rs 50/- per instrument | |
| Above Rs 25,000/- and upto Rs 1,00,000/- | Rs 100/- per instrument | |
| Above Rs 1,00,000/- | Rs 150/- per instrument | |
| Bouncing of cheques- Local | ||
| Cheques Drawn on us | ||
| Due to Insufficient Funds | Upto 2 instruments per month ₹ 500/- per instrument; on 3rd onwards ₹ 750/- per instrument Due to funds transfer cheque return - ₹ 350/- per instrument |
|
| Due to Technical Reasons | ₹ 50/- per instrument (e.g. - Date not mentioned, post-dated, sign mismatch, etc.) | |
| Cheques Deposited Returned Unpaid | Local & Outstation - ₹ 200/- instrument | |
| Doorstep Banking ** | ||
| Cash Pickup Charges (within municipal city limits) | ||
| Cash Pickup upto Rs 1 Lac | Rs 150/- per pickup | |
| Cash Pickup beyond Rs 1 Lac and upto Rs 2 Lac | Rs 200/- per pickup | |
| Cash Pickup beyond Rs 2 Lac and upto Rs 3 Lac | Rs 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 Limit @ any HDFC Bank Branches (monthly) Cash deposit in low denomination notes i.e. Rs 50 and below @ any HDFC Bank Branch (monthly) |
Free 4 times Current month POS transaction value per month or 50 transactions whichever is breached first; Charges @ ₹ 3.5/- per ₹ 1,000/-, minimum ₹ 50/- per transaction beyond free limits 1. Cash deposit in notes = Free up to ₹ 10,000/- per month, beyond free limit chargeable at 2% of cash deposit in low denomination notes 2. Cash deposit in coins = Free up to ₹ 1,000/- per month, beyond free limit chargeable at 5% of cash deposit in coins |
|
| Limit on Inter-Branch deposits (Within Home Branch City | Cash deposit at non home Branches within home branch city subject to maximum of Rs.1,00,000/- per account per day | |
| Free Cash deposite 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. | ||
| Cash Withdrawal | ||
| Cash Withdrawal-Home Branch | Free at Home Branch | |
| Cash Withdrawal-Non Home Branch-Intracity & Intracity | Free cash withdrawal upto Rs.50,000/- per day beyond which charges @ Rs.2/1000, min Rs.50/- per transaction. Third party cash withdrawal allowed only up to maximum Rs. 50,000 per transaction. | |
| Miscellaneous | ||
| Balance enquiry | Free | |
| TDS Certificate | Free | |
| Balance Confirmation Certificate | Rs.100/- | |
| Interest Certificate | Rs. 100/- | |
| Cheque Status per instance | Free | |
| Photo Verification | Rs 100/- per instance | |
| Address Confirmation | Free | |
| Signature Verification | Rs 100/- per instance | |
| ECS (Debit) Return Charges (Quarterly Charges) |
Upto 3 returns - Rs. 350/ instance 4th return onward Rs. 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) | Rs 50/- per instance | |
| Re-generation of IPIN (request received at branch for physical dispatch) | ₹ 40/- per request | |
| SI rejects | Upto 3 returns - 250/instance 4th return onward 750/instance |
|
| Old Records / Copy of Paid Cheque | ||
| Rs.80 per record | ||
| Common Charges for Debit / ATM Cards | ||
| Replacement of damaged card | Free | |
| Replacement of Lost card | Rs.200/- | |
| Copy Retrieval Request | Rs.100 | |
| Re-Issuance of PIN | Rs.50 (plus taxes) | |
| ATM Usage | ||
| ATM Txns (@ HDFC Bank ATM) | Unlimited Free | |
| ATM Txns - Financial & Non-Financial (@ HDFC Bank ATM) |
Maximum of 5 Txns Free in a month with a cap of Maximum 3 free Txns in Top 6 cities @ Non-HDFC Bank ATM (Txns 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 | Rs 1,000/- | |
| 6 months upto 12 months | Rs 500/- | |
| 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> | Free | |
| Charges on all IMPS Outgoing transactions: | ||
| ₹ 0 - ₹ 1000 | ₹ 3.50/- per txn | |
| ₹ 1001 - ₹ 100000 | ₹ 5/- per txn | |
| Above ₹ 100000 | ₹ 15/- per txn | |