| Debit Cards (only for Individuals & Sole Proprietorship) | |||||
|---|---|---|---|---|---|
| Debit Card | Easy Shop | ATM Card | |||
| Business# | Regular | Gold | Woman's | ||
| Annual Fee per Card | Rs.250/- p.a. | Rs.100 p.a. | Rs.500 p.a | Rs.100 p.a. | Free |
| Daily ATM Limit | Rs.50,000 | Rs.25,000 | Rs.50,000 | Rs.25,000 | Rs. 10,000 |
| Daily Merchant Establishment Point of Sale Limit | Rs.75,000 | Rs.40,000 | Rs.75,000 | Rs.40,000 | NA |
| # Also available for partnership firms & limited company current accounts which have operating instructions as "Singly" | |||||
| Description of Charges | Regular Current Account | |
|---|---|---|
| Current Accounts with Cheque facility | ||
| Minimum Balance (Average Quarterly Balance) | Rs. 10,000/- | |
| Non-Maintenance Charges per quarter | Charge of Rs.750/- per quarter | |
| Mode of calculation of minimum average quarterly balance | Average of daily closing balances of each day spread over a period of three months. | |
| 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 | |
| Charges Rs 2/- per leaf | ||
| Other Current Account facilities | ||
| Account Statement | Free (Monthly)+ | |
| Duplicate/Adhoc Statement | ||
| Requests through Direct Banking Channels | Rs.50/- per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR) | |
| At branch or PhoneBanking (Non-IVR) | Rs.100/- per statement through Branch; Rs.75/- per statement through PhoneBanking (Non-IVR) | |
| Hold Statement Facility | Rs.400/- per year | |
| Remittance facility through own Bank | ||
| Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD | DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 to Rs. 100,000- Rs. 25/- per DD, Above Rs. 100,000- Free | |
| Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO | PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 to Rs. 100,000 - Rs. 25/- per PO, Above Rs. 100,000- Free | |
| Issuance of DD/ PO through PhoneBanking | All standard charges for DD / PO are applicable as above. Only DD / PO amount upto Rs 500,000/- are accepted at Phonebanking. | |
| DD/PO-Cancellation/Revalidation | Rs.50/- per instrument | |
| NEFT/EFT Transactions : | ||
| Payments | Free | |
| Collections | Free | |
| RTGS Transactions : | ||
| Payments | Rs. 25 per transaction | |
| Collections | Free | |
| Local Transactions (At home branch location) | ||
| Local cheques collections & payments | Free | |
| Account to Account Fund Transfer within HDFC Bank | Free | |
| Anywhere Transactions (except Dahej) | ||
| Account to Account Fund Transfer within HDFC Bank | Rs.15/- per transaction | |
| Payment at HDFC Bank Locations | Free | |
| Collections at HDFC Bank Locations | Charges @ Rs. 1.50/1000, min Rs. 25/- per transaction. | |
| Bulk Transaction Charges | All transactions are subject to a maximum of 50 transactions per month, beyond which charges @ Rs.8/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactions | |
| Remittance facility through other Bank | ||
| Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup) | Rs.2.00 per Rs.1000/- Minimum Rs.50/- | |
| DD-Cancellation / Revalidation | Rs.50/- per instrument | |
| Cheque Collection | ||
| Outstation Cheque Collection at Bank Locations | Instrument Value Charges | Charges |
| Upto Rs 50,000/- | Rs 50/- per instrument | |
| Above Rs 50,000/- and upto Rs 1,00,000/- | Rs 100/- per instrument | |
| Above Rs 1,00,000/- | Rs 150/- per instrument | |
| Outstation Cheque Collection at Correspondent Bank Location and Clean Location (Non-Corr Bank Location) and Non-MICR cheque | 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 | |
| Cheque Collection through Speed Clearing | Instrument Value | Charges |
| Upto Rs.100,000/- | Free | |
| Above Rs.100,000/- | Rs.140/- per instrument | |
| Bouncing of cheques- Local | ||
| Cheques Drawn on us | ||
| Due to Insufficient Funds | Upto 2 instruments per month- Rs.300 per instrument. On 3rd / 4th & 5th instrument - Rs.500 per instrument 6th Instrument onwards- Rs.750 per instrument |
|
| Due to Technical Reasons | No Charge | |
| Cheques Deposited Returned Unpaid | ||
| Local | Rs.50/- per instance | |
| Accounts Not maintaining AQB as of Previous Quarter | Rs. 50/- per instance | |
| Outstation | Rs.100/- per instance | |
| 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 | ||
| Cash Deposit-Home Branch Location | Free upto Rs.2 lacs per month or 25 transactions, whichever is lower. Deposit in excess of Rs.2 lacs or 25 transactions will be charged @ Rs.3 per 1000, minimum Rs.50 per transaction. | |
| Limit on Inter-Branch deposits (Within Home Branch City) | Cash deposit at non home Branches within home branch city subject to maximum of Rs.10,000 per account per day | |
| Cash Deposit -Non Home location | Cash Deposit - Non-Home Location - Maximum Rs.10,000 per day. Charges @ Rs. 3.5 per 1000, min Rs.50 per transaction | |
| Cash Withdrawal | ||
| Cash Withdrawal-Home Branch | Free at Home Branch | |
| Cash Withdrawal-Non Home Branch-Intercity & Intracity | Cash Withdrawal 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 | Rs.25/- | |
| TDS Certificate | Free | |
| Balance Confirmation Certificate | Rs.50/- | |
| Interest Certificate | Rs.50/- | |
| Cheque Status per instance | Rs.25/- | |
| Photo Verification | Rs 100/- per instance | |
| Address Confirmation | Rs 100/- per instance | |
| Signature Verification | Rs 100/- per instance | |
| ECS (Debit) Return Charges | - Rs 350/- would be levied on first instance of ECS return in a quarter. - Rs 750/- would be levied, second instance onwards in the same quarter. |
|
| 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 | |
| TIN/IPIN Regeneration (requests received at the branch for physical dispatch) | Rs 50/- per instance | |
| SI rejects | Rs 200/- per instance | |
| Old Records / Copy of Paid Cheque | ||
| Upto 1 Year | Rs.50 per record | |
| Above 1 Year | Rs.100 per record | |
| Common Charges for Debit / ATM Cards | ||
| Replacement of damaged card | Free | |
| Replacement of Lost card | Rs.100 | |
| Copy Retrieval Request | Rs.100 | |
| Re-Issuance of PIN | Rs.50 (plus taxes) | |
| ATM Usage: | ||
| Transacton Type |
Balance Inquiry - Free | |
| Cash Withdrawal - Free | ||
| Transaction Charge--Non HDFC Bank ATM's *** | ||
| Domestic | Balance Inquiry - Free | |
| Cash Withdrawal - Rs 20 per transaction | ||
International* *The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction |
Cash Withdrawal - Rs.110 per transaction | |
| Balance Inquiry - Rs.15 per transaction | ||
| Transaction Decline Charge (at Non HDFC Bank ATM's) | Rs. 25 per transaction | |
| Stop Payment Charges | ||
| Particular cheque | Rs.50/- (FREE through Phone Banking) | |
| Range of cheques | Rs.100/- (FREE through Phone Banking) | |
| Account Closure: | ||
| Up to 14 days | No Charge | |
| 15 days to 6 months | Rs 500/- | |
| 6 months upto 12 months | Rs 250/- | |
| Beyond 12 months | No Charge | |
| InstaAlert / Mobile Banking | ||
| Insta Alert | Rs 25/- per quarter | |
| 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 and for transactions that are available on IVR | Rs.50/- per call | |
- W.e.f April 1, 2012, all fees and charges mentioned in the Tariffs, Charges or Fees Brochures will attract Service Tax @ 12% and Education Cess @ 3% of the service tax amount. The same will appear as separate debits in the statements.
- +For accounts maintaining AQB less than Rs.10,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement
- **Available at Select locations. You need to register with the Bank for availing these services, please contact your Branch Manager for further details.
- ***Charges applicable w.e.f 15th Oct '09. Inclusive of service tax and educational cess.