Fees and Charges of Apex Current Account
Enclosed below are HDFC Bank Apex Current Account charges
| Description of Charges | Apex Current Account | |
|---|---|---|
| Minimum Balance (Average Quarterly Balance) | ₹10 lakh per quarter | |
| Non-Maintenance Charges per quarter | Charge of ₹5,000 per quarter if AQB is less than ₹10 lakh but greater than or equal to ₹5 lakh; ₹10,000 per quarter if AQB is less than ₹5 lakh. | |
| 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) (Customers can request a maximum of 100 cheque leaves through Net Banking. For requests above 100 cheque leaves, customers need to visit the branch.) |
Payable by par cheques. Free 1000 cheque leaves per month. Charges ₹2 per leaf beyond 1000 leaves. |
|
| 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) | |
| Hold Statement Facility | ₹400 per year | |
| 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 | Free without limit. Only DD amount up to ₹5 lakh for Current Apex. Account holders accepted at Phone Banking. |
|
| DD/PO-Cancellation/Revalidation | ₹60 per instance | |
| 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 | |
| Payment at HDFC Bank Locations | Free | |
| Collections at HDFC Bank Locations | Free | |
| Bulk Transactions (Monthly Limit) | Free up to 1000 transactions; Charges @ ₹35 per transaction beyond free limits | |
| Remittance facility through other Bank | ||
| Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) | Free up to ₹15 lakh per month beyond which charges at ₹1.50 per ₹1,000, minimum ₹50 per DD. | |
| DD-Cancellation / Revalidation | ₹50 per instrument | |
| Cheque Collection | ||
| Outstation Cheque Collection at Bank location | Instrument Value | Charges |
| Any Amount | Free | |
| Outstation Cheque Collection at Correspondent Bank Location | Instrument Value | Charges |
| Up to ₹35,000 | ₹50 per instrument | |
| Above ₹35,000 and up to ₹1 lakh | ₹100 per instrument | |
| Above ₹1 lakh | ₹150 per instrument | |
| Outstation Cheque Collection at Clean Location | Instrument Value | Charges |
| Up to ₹25,000 | ₹50 per instrument | |
| Above ₹25,000 and up to ₹1 lakh | ₹100 per instrument | |
| Above ₹1 lakh | ₹150 per instrument | |
| Outstation Cheque collection through speed clearing | Free | |
| Bouncing of cheques- Local | ||
| Cheque Return Charges Cheques Drawn on us | ||
| Due to Insufficient Funds | Up to 2 instruments per month: ₹500 per instrument, 3rd instrument onwards: ₹750 per instrument |
|
| Due to Technical Reasons | No charge | |
| Cheques Deposited Returned Unpaid | Local Cheque: ₹100 per instrument and Outstation Cheque: ₹150 per instrument | |
| Doorstep Banking ** | ||
| Cash Pickup Charges (within municipal city limits) | ||
| Cash Pickup up to ₹1 lakh | ₹150 per pickup | |
| Cash Pickup beyond ₹1 lakh and up to ₹2 lakh | ₹200 per pickup | |
| Cash Pickup beyond ₹2 lakh and up to ₹3 lakh | ₹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 at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) | Higher of ₹150 Lakh or 10 times of previous month AMB or 60 transactions, whichever is breached first (Upper Cap - ₹500 Lakh); 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 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. Customers will be charged from the 1st transaction of cash deposit.
|
||
| Cash Withdrawal | ||
| Cash Withdrawal-Home Branch | Free | |
| Cash Withdrawal-Non-Home Branch-Intercity & Intracity | Free cash withdrawals up to ₹50 lakh per month, beyond which charges at ₹2 per 1,000, min ₹50 per transaction on incremental amount. Third party cash withdrawal allowed only up to maximum ₹50,000 per transaction. |
|
| Miscellaneous | ||
| Balance enquiry | ₹25 | |
| TDS Certificate | Free | |
| Balance Confirmation Certificate | ₹50 | |
| Interest Certificate | ₹50 | |
| Cheque Status per instance | ₹25 | |
| Photo Verification | ₹100 per instance | |
| Address Confirmation | ₹100 per instance | |
| 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 | |
| TIN/IPIN Regeneration (requests received at the branch for physical dispatch) | ₹50 per instance | |
| SI rejects | Up to 3 returns: 350 per instance 4th return onward: 750 per 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 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) | |
| Note: Note: With effect from 1st May 2025, ATM transaction charge rate beyond free limit of ₹21 + taxes would be revised to ₹ 23 + taxes, wherever applicable. | ||
| Stop Payment Charges | ||
| Particular cheque | ₹100, Free through Phone Banking | |
| Range of cheques | ₹250, Free through Phone Banking) | |
| Account Closure: | ||
| Up to 14 days | No Charge | |
| 15 days to 6 months | ₹2,000 | |
| 6 months up to 12 months | ₹1,000 | |
| Beyond 12 months | No Charge | |
| Activation of Dormant / inoperative account | No Charge | |
| InstaAlert / Mobile Banking | ||
| Insta Alert | Nil | |
| Transactions through Phone Banking: | ||
| 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 | ₹2.5 |
| Above ₹1000 up to ₹1 Lakh | ₹5 |
| Above ₹1 lakh up to ₹2 Lakh | ₹15 |
| Debit Cards (only for Individuals and Sole Proprietorship) | |
| Feature | Debit Card ( Business) | ATM Card |
|---|---|---|
| Annual Fee per Card | ₹350 + 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 & limited company current accounts. In case, the MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) have to sign the form jointly.
All charges are exclusive of GST as applicable from time to time
+For accounts maintaining AQB less than ₹10,00,000 as of previous qtr will be charged ₹ 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.
*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 Apex Current Account before 1st November' 2022
Click here to view Fees & Charges for Apex Current Account before 1st January' 2016
Click here to view change in Fees & Charges for Apex Current Account before 1st March’ 2015
Click here to view Fees & Charges for Apex Current Account before 1st December, 2014
Click here to view Fees & Charges for Apex 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
Download Fees & Charges effective 1st December'24
Click here to read the Terms and Conditions of Apex Current Account.
Frequently Asked Questions
Yes, there are charges associated with the Apex Current Account. Please refer to the Apex Current Account charges section above for more details.
The electronic payment service charges for Apex Current Account are mentioned in the fees and charges section above.