Fees and charges


Fees and Charges of HDFC Bank Demat Account

Demat Account Type Detailed Tariff Link Annual Maintenance Charge
(from 2nd Year onwards)		 Special pricing as per Managed Program
Debit/ Pledge transaction Charge		 Standard Charges
Debit/Pledge transaction		 You Save on AMC/Txn
Infiniti/Imperia Click Here Nil Min. ₹30 or 0.03% of the value of the transaction (Max ₹4,999). Min. ₹30 or 0.04% of the value of the transaction (Max ₹4,999). AMC:100%
Txn: 25%
Preferred Click Here Zero (in case of 1 transaction p.a.) OR
₹300		 Min. ₹30 or 0.03% of the value of the transaction (Max ₹4,999 ). Min. ₹30 or 0.04% of the value of the transaction (Max ₹4,999 ). AMC: 100% to 60%
Txn: 25%
Classic Click Here ₹250 (in case of 1 transaction p.a.) OR
₹500		 - Min. ₹30 or 0.04% of the value of the transaction (Max ₹4,999 ). AMC: 66% to 33%
Prime Click Here ₹700 - Min. ₹30 or 0.04% of the value of the transaction (Max ₹4,999 ). AMC: 7%
Standard Click Here ₹750 - Min. ₹30 or 0.04% of the value of the transaction (Max ₹4,999 ).

Limited period promotional tariff offer for all new Demat & Trading A/cs opened from 1st Aug'23, for details click here.

Important terms and conditions

  • All Demat charges mentioned above exclude GST and other taxes or statutory charges imposed by government bodies or authorities.
  • Transaction charges are payable monthly. The stated charges apply specifically to the services listed. Charges for non-listed services will be billed separately.
  • Transaction values will adhere to the rates prescribed by NSDL or CDSL. Annual Maintenance Charges (AMC) are collected upfront for one year at the start of each billing cycle by banks.
  • All services and charges may be revised at the bank's discretion and communicated to customers within 30 days.
  • Value Plans are special limited period offers designed to enhance your Demat and Trading experience for accounts opened digitally on or after 1st August 2023
  • This offer is currently available only through the 2-in-1 digital account opening journey and is not applicable for physical account opening
  • Customers must begin the digital journey using the mobile number registered with their HDFC Bank Savings Account 
  • HDFC Bank and HDFC Securities reserve the right to review and update these offers at their discretion
  • Existing customers who already hold a Demat & Trading account are not eligible for these offers
  • Value Plans remain valid only as long as the customer’s savings account continues under the eligible Managed Programme or Product Variant
  • If the account status changes, standard tariff charges will apply. The standard Demat AMC is ₹750 per annum
  • Minimum brokerage will apply regardless of the customer’s base brokerage plan: Platina – ₹10, Premia – ₹15, Maxima – ₹20, Optima – ₹25
  • Demat AMC is waived for the first year. From the second year onwards, it is charged annually in advance at the start of the billing cycle
  • For customers under Managed Programmes/Product Variants, AMC is computed based on the transaction done in the previous year
  • A Transacting Account refers to a Demat account that has had at least one credit or debit transaction in the previous financial year. This includes:
    • Buying or selling of stocks or mutual funds
    • Processing a Demat or Remat request
    • Any pledge or unpledge transactions
  • If a customer is tagged as ‘Preferred’ under ethnic code but holds an SA Product Code of Speciale Platinum, they will receive the higher tier benefit - the Platina plan

Frequently asked questions

Yes, Demat Accounts typically incur charges, including Annual Maintenance Charges (AMC) and transaction fees. AMC fees are levied annually by banks or depository participants to maintain the account. Transaction charges are applied each time securities are bought or sold and vary based on the type and volume of transactions. Additionally, there may be charges for other services like account statements, pledge creation, and account closure. These charges are specified by the depository and are subject to change at the discretion of the bank or depository participant. It's advisable to review the fee structure before opening a Demat Account to understand the costs involved.

Different types of charges for a Demat account include Annual Maintenance Charges (AMC), transaction fees, and additional service charges. AMC is an annual fee charged for maintaining the Demat account, typically payable upfront. Transaction fees are levied for buying and selling securities and depend on factors like the volume and type of transaction. Other charges may include fees for account statements, pledge creation, and account closure. Additionally, there could be charges for corporate actions like dividends, bonus issues, and rights issues. It's essential for investors to be aware of these charges as they vary among depository participants and can impact overall investment costs.