Regular Current Account

Fees and Charges of Regular Current Account

Enclosed below are HDFC Bank Regular Current Account fees and charges, 

Features Regular Current Account
Average Quarterly Balance (AQB)   ₹ 10,000/-  (only Non-Metro locations)
Non-Maintenance Charges (per quarter)  ₹1,500/-

Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB,

Download Fees & Charges effective 1st August’2025

Cash Transactions

Features Details
Combined Cash Deposit at Home Location, Non-Home Location & 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 = 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 @ 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

Click here to view Fees and Charges for Regular Current Account before 1st October’23

Click here to view Fees and Charges for Regular Current Account before 1st January’ 2016

Click here to view change in Fees and Charges for Regular Current Account before 1st March’ 2015

Click here to view Fees and Charges for Regular Current Account before 1st December, 2014

Click here to view Fees and Charges for Regular Current Account before 1st November, 2013

Click here to view charges applicable before 1st January, 2012

Click here to view Fees & Charges for Regular Current Account before 1st December’2024


 Download Fees & Charges effective 1st December 2024 

- Click here to read the Terms & Conditions of a Regular Current Account.

Frequently asked questions

You can easily apply for a Regular Current Account online by visiting our website and filling out the application form. Click here to get started.

By opening Regular Current Account online, you can enjoy free local or intercity cheque collection and payments across all HDFC Bank locations, free transfer of funds between HDFC Bank accounts, issue free Demand Drafts (DD) and Pay Order, free collection of funds through RTGS and NEFT, get a payable-at-par cheque book at a nominal price, and make free cash deposits up to 2 lakh per month at any HDFC Bank branches.

Yes, opening an HDFC Bank Regular Current Account requires documents such as identity proof, address proof, business registration proof, and a recent photograph. For a complete list of required documents, refer to the documentation section or contact your nearest branch.

With HDFC Bank Regular Current Account you can avail of non-cash services such as free local or intercity cheque collection and payments, free transfer of funds between HDFC Bank accounts, free Demand Drafts (DD) and Pay Order issuance, free collection of funds through RTGS and NEFT, payable-at-par cheque book at a nominal price, and free cash deposits up to ₹2 lakh per month at any HDFC Bank branches. 

  • Enjoy easy banking with InstaAlerts, Doorstep Banking, 24-hour PhoneBanking, NetBanking, and MobileBanking services. 
  • Get multiple benefits on a Business Debit Card including cashback, lounge access, personal accidental death cover, international air coverage, retail/online shopping benefits, and ATM withdrawal limits

Regular current account is best suited for Merchants/Traders, Service Providers & Dukaandars with local transactions (with / without requirement of ME/MPOS/MEAPP), with turnover less than ₹50 lakh.

Note: Regular Current Accounts are opened at Non-Metro locations only

AQB Requirement – ₹10,000/-

NMC charges: ₹1,500/- (per quarter)

  • Free Cash Deposits up to ₹2 lakh or 25 transactions (whichever is breached first) at any HDFC Bank Branches
  • Free local or intercity cheque collection and payments across all HDFC Bank locations.
  • 50 free Bulk transactions per month
  • Free transfer of funds across cities between HDFC Bank accounts.
  • Nil free limit for DD / PO. Charges ₹ 1/- per ₹1,000/-, Min ₹ 50/- and Max ₹3,000/- per instrument beyond free limit.
  • Free collection of funds through RTGS and NEFT
  • Get a payable-at-par cheque book at a nominal price.
  • Easy banking with facilities like NetBanking and MobileBanking that allow you to check your account balance, pay utility bills, or even stop cheque payments via SMS

Free Cash Deposits up to ₹2 lakh per month or 25 transactions (whichever is breached first) at any HDFC Bank Branches

  • Unlimited cash withdrawal from home branch
  • No free limits offered at non-home branch

Nil free limit for DD / PO. Charges ₹1/- per ₹1,000/-, Min ₹ 50/- and Max ₹3,000/- per instrument beyond free limit

There are no free limits for cheque leaves, with Regular Current Account

50 free Bulk transactions per month are offered.

(Note: Bulk transactions include all Local & Anywhere clearing and Fund transfers)

Online NEFT/RTGS payments are free.

Through branch, NEFT payments are charged as follows:

  • Up to ₹1 lakh: ₹ 2/- per transaction,
  • Above ₹1 lakh: ₹ 10/- per transaction

Through branch, RTGS payments are charged as follows:

  • Above ₹2 lakh: ₹ 15/- per transactionky

IMPS charges on outgoing transactions (through NetBanking & MobileBanking) are as follows:

  • Up to ₹1,000: ₹ 3.5/- per transaction,
  • Above ₹1,000 and up to ₹1 lakh: ₹ 5/- per transaction
  • Above ₹1 lakh and up to ₹ 2 lakh: ₹ 15/- per transaction (charges exclusive of GST)

Bank anytime, anywhere in person at a branch or ATM, from your laptop or mobile. Click here for more details.