| 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 | |
Cash Transactions
| Combined cash deposit limit at any HDFC Bank branch (monthly) | Deposit up to ₹2 lakh cash free per month or 25 transactions (whichever is breached first) at any HDFC Bank branches. Charges: ₹3.5 per ₹1,000, minimum ₹50 per transaction beyond free limits. |
|---|---|
| Cash deposit in low denomination notes ₹50 and below at any HDFC Bank Branch, monthly. | Cash deposit in notes: Free up to ₹10,000 per month, beyond free limit chargeable at 2% of cash deposit. |
| Cash deposit in coins: Free up to ₹1,000 per month, beyond free limit chargeable at 5% of cash deposit in coins | |
| Operational limit for cash deposit at non-home branch, per day. | ₹15,000 |
| Cash withdrawal limit at home branch | Free |
| Cash withdrawal limit at non home branch | No free limit Charges: ₹2 per ₹1,000, minimum ₹50 per transaction. |
| Daily Third Party Cash Withdrawal limit at Non-Home Branch | ₹50,000 per transaction |
Non - Cash Transactions
| Local / Intercity Cheque Collection/Payments and Fund Transfer | Free |
|---|---|
| Bulk Transactions* - Monthly Free Limit | Free up to 50 transaction. Charges at ₹30 per transaction beyond free limit. |
| Cheque Leaves - Monthly Free Limit | Charges at ₹3 per leaf |
| Speed Clearing (per instrument charges) |
Instrument Value up to ₹1 lakh: No charges Instrument value above ₹1 lakh: ₹140 |
| Outstation Cheque Collection at Bank Location, (per instrument charges) | Up to ₹50,000: ₹50 ₹50,001 to ₹1 lakh: ₹100 Above ₹1 lakh: ₹150 |
| Outstation Cheque Collection at Correspondent Bank Location (per instrument charges) | Up to ₹25,000: ₹50 ₹25,001 to ₹1 lakh: ₹100 Above ₹1 lakh: ₹150 |
| Outstation cheque collection at Clean Location, (per instrument charges) | Up to ₹50,000: ₹50 ₹50,001 to ₹1 lakh: ₹100 Above ₹1 lakh: ₹150 |
| Demand Drafts (DD)/ Pay Orders (PO) at Bank Location | Up to ₹50,000: ₹40 ₹50,001 to ₹1 lakh - ₹25 Above ₹1 lakh: FREE |
| Demand Drafts (DD) at correspondent Bank location | Charges: ₹2 per ₹1,000; Minimum ₹50 per instrument |
* Bulk transactions includes count of all Cheque clearing and Fund Transfer Transactions
NEFT/RTGS/IMPS Transactions
| NEFT payments | Up to ₹1 lakh: ₹2 Above ₹1 lakh: ₹10 Note: Free via Net banking. |
|
|---|---|---|
| RTGS payments | Above ₹2 lakh: ₹15 Note: Free via Net banking. |
|
| IMPS Payments | ₹0 - ₹1000 | ₹3.50 per transaction |
| ₹1001 - ₹1 lakh | ₹5 per transaction | |
| Above ₹1 lakh | ₹15 per transaction | |
| NEFT / RTGS / IMPS Collections |
Free | |
Debit Cards
| Debit Card | EasyShop Business# | ATM Card |
|---|---|---|
| Annual Fee per card | ₹250 | Free |
| Daily ATM limit | ₹1 lakh | ₹10,000 |
| Daily Merchant Establishment Point of Sale limit | ₹5 lakh | NA |
| # Also available for partnership firms and limited company current accounts. In case, the MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) must sign the form jointly. | ||
*For Security reasons, ATM cash withdrawal limit is capped at ₹0.5 lakh per day and ₹10 lakh per month for first 6 months from account opening date.
For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹2 lakh per day and ₹10 lakh per month. This is implemented with immediate effect.
ATM Usage
| ATM Transaction at HDFC Bank ATM | Unlimited Free |
|---|---|
| ATM Transaction at non- HDFC Bank ATM | No Free Limits, charges: ₹21 per transaction |
Account Closure Charges
| Closure: Up to 14 days | No Charge |
|---|---|
| Closure: 15 days to 6 months | ₹500 |
| Closure: 6 months to 12 months | ₹250 |
| Closure: Beyond 12 months | No Charge |
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
Certainly, the Regular Current Account entails specific fees and charges, which include obligations for sustaining an average quarterly balance and non-maintenance charges per quarter.
The monthly fees for the Premium Current Account vary depending on the services provided.