| All type of withdrawals and deposits | Unlimited Deposits are free Maximum 4 free withdrawals per month through any mode (including Cash withdrawal at Branch / ATM, NEFT, RTGS, IMPS, Clearing, DD/MC issuance etc.) |
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| Description of Charges | Basic Savings Bank Deposit Account - Salary, effective August 1, 2019. | |
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| Minimum Average Balance Requirements | NIL | |
| Charges applicable on non-maintenance | NA | |
| Cheque book | Free: 25 cheque leaves per financial year Additional cheque book of 25 leaves will be charged at ₹100 (₹75 for senior citizen) |
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| Issue of duplicate/ad hoc statements | Soft Copy - Last 5 years statement through NetBanking - No charge eStatement on registered E-mail ID - No charge Physical copy Branch - ₹100 Phone banking (Non IVR): ₹75 Phone banking (IVR), Net banking, Mobile banking, and ATM: ₹50 For Senior Citizen Branch: ₹50 Phone banking (Non IVR): ₹50 Phone banking (IVR), Net banking, Mobile banking, and ATM - ₹30, effective July 1st, 2013. |
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| Passbook issuance* | Free | |
| Duplicate passbook issuance* | ₹100 | |
| Managers cheque/ demand drafts - Cancellation/revalidation | ₹100, Nil charges for Managers cheque/demand drafts. Cancellation/revalidation up to ₹1,000, effective January 1, 2016. Effective August 1, 2021, ₹60, Senior citizen: ₹54. |
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| Cheque collection - Local clearing zone | Free | |
| Collection of outstation cheques - our bank locations | Charges for cheques drawn on Branch locations | Regular Savings Account |
| Up to ₹5,000 | ₹25, ₹20 for rural branches/senior citizens account |
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| ₹5,001 to ₹10,000 | ₹50, ₹40 for rural branches / senior citizens account |
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| ₹10,001 to ₹1 lakh | ₹100 | |
| Above ₹1lakh | ₹150 | |
| Cheques drawn on Speed Clearing Branches - at non CTS locations | Regular Savings Account | |
| Up to ₹1 lakh | No charges | |
| Above ₹1 lakh | ₹140 per instrument | |
| Cheques drawn on Speed Clearing Branches - at CTS locations | No charge | |
| Effective December 1, 2014 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges | ||
| Collection of outstation cheques - Other locations | Charges for cheques drawn on Non-Branch locations | Regular Savings Account |
| Up to ₹5,000 | ₹25, ₹20 for rural branches/senior citizens account |
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| ₹5,001 to ₹10,000 | ₹50, ₹40 for rural branches / senior citizens account |
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| ₹10,001 to ₹1 lakh | ₹100 | |
| Above ₹1 lakh | ₹150 | |
| Cheques drawn on Speed Clearing Branches - at non CTS locations | Regular Savings Account | |
| Up to ₹1 lakh | No charges | |
| Above ₹1 lakh | ₹140 per instrument | |
| Cheques drawn on Speed Clearing Branches - at CTS locations | No charge | |
| Effective December 1, 2014 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges | ||
| Cheque return charges drawn on us – Local (Date not mentioned, post-dated, sign mismatch, etc.) |
Due to insufficient funds - Return in a month 1st: ₹450, Senior citizen: ₹400 2nd:₹500, Senior citizen: ₹450 3rd onwards: ₹550, Senior citizen: ₹500 |
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| Charges due to funds transfer cheque return - ₹350, Senior citizen: ₹315 | ||
| Due to technical reasons - ₹50, Senior citizen: ₹45 | ||
| Cheques deposited - Returned Unpaid (Effective 1st Dec'17) | ₹200 per instance | |
| Balance enquiry - At branch | Free | |
| Balance certificate | Current year - Free; previous year: ₹50 Effective August 1, 2021: ₹100, Senior citizen: ₹90 |
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| Interest certificate | ₹50 per instance, August 1, 2021: ₹100, Senior citizen: ₹90 | |
| TDS certificate | Free | |
| Account Closure (from account opening date) | Up to 14 days - Nil 15 days up to 12 months: ₹500, Senior citizen: ₹300 Beyond 12 months: Nil, effective July 1, 2013 |
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| Photo attestation | ₹100 per instance, NIL for senior citizen, effective July 1, 2013 | |
| Address confirmation | ₹50 per instance: ₹100, Senior citizen: ₹90 Effective August 1, 2021 |
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| Stop payment (request from customer not to honour cheque issued) charges | Particular cheque: ₹100, free through Net Banking, range of cheques: ₹200, free through Net Banking | |
| Standing Instructions | ₹25 per transaction plus remittance charge, effective July 1, July 2013 | |
| Unarranged overdraft | ₹100 per occasion plus 18% interest annually | |
| Old records/copy of paid cheques | Up to 1 year: ₹50 per record; above 1 year: ₹100 per record, effective August 01, 2021: ₹80, Senior citizen: ₹72 | |
| Activation of dormant account | No charges | |
| Local cheque deposited for outstation accounts | No charge | |
| PhoneBanking – IVR / Non IVR | Free | |
| ATM / Rupay Debit card | Free | |
| ATM card - Replacement charges | ₹200, plus taxes as applicable, effective December 1, 2014 | |
| Debit Card - Transaction charge - non HDFC Bank international ATMs | ₹25 per balance enquiry and ₹125 per cash withdrawal, plus applicable taxes 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/MasterCard wholesale exchange rate prevailing at the time of transaction |
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| Debit Card PIN regeneration charge | ₹50, plus taxes as applicable. | |
| Decline charge for insufficient balance | Transactions declined at other bank ATMs anywhere in the world or at a merchant outlet outside India due to insufficient funds will be charged at ₹25 per transaction (plus taxes as applicable) | |
| BillPay | This service is free, effective August 1, 2011. | |
| InstaPay | ₹10 plus taxes as applicable, per transaction | |
| InstaAlert | Email: Free SMS: ₹3 per quarter, effective 1st July 2021, plus taxes as applicable. |
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| Visa Money Transfer | ₹5, plus taxes as applicable, per transaction | |
| NEFT Charges – Inward | Free | |
| RTGS - Inward | Free | |
| IMPS (Immediate Payment Service) – Inward | Free | |
| MobileBanking | Free | |
| NetBanking | Free | |
| ECS / ACH (Debit) Return Charges | Return in a month 1st: ₹450, Senior citizen: ₹400) 2nd: ₹500, Senior citizen: ₹450) 3rd onwards: ₹550, Senior citizen: ₹500 |
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| Any deliverable returned by courier due to negative reasons (no such consignee/consignee shifted and no such address) | ₹50 per instance | |
| TIN re-generation (requests received at the branch for physical dispatch) | ₹50 per instance, effective August 1, 2021: ₹40, Senior citizen: ₹36 | |
| IPIN re-generation (requests received at the branch for physical dispatch) | ₹100 per instance, effective August 1, 2021: ₹40, Senior citizen: ₹36 | |
| Standing Instruction rejects | ₹200 per instance, effective August 1, 2021: discontinued | |
| One time Mandate Authorisation Charges per mandate (Inward NACH received through physical and online both) |
₹100 plus GST, effective July 1, 2019 Effective August 1, 2021: ₹40, Senior citizen: ₹36 |
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| All type of withdrawals and deposits | Unlimited Deposits are free Maximum 4 free withdrawals per month through any mode (including Cash withdrawal at Branch / ATM, NEFT, RTGS, IMPS, Clearing, DD/MC issuance etc.) |
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5th withdrawal onwards, the charge will be applicable as per nature and mode of that particular withdrawal as mentioned below.
| Cash withdrawals at Home / Non Home Branch (self / third party) | 5th transaction onwards - ₹150 per transaction (plus taxes) Third Party Cash transactions upper limit is ₹25,000 per day Above ₹25,000 – Not allowed |
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| Managers cheques/demand drafts- Issuance/re-issuance - At HDFC Bank locations | DD/MC Issuance Charges Through Branch | |
| Up to ₹10,000 - ₹50 | Above ₹10,000 - ₹5 per 1,000 on entire amount (minimum ₹75 and maximum ₹10,000) | |
| Only DD amount up to ₹1 lakh for Preferred/Imperia and ₹50,000 for other customers accepted at Phone banking | ||
| DD request through Net banking | ||
| Up to ₹10 lakh | ₹50 plus correspondent bank charges if applicable, effective December 1, 2014 | |
| Third party DD* up to ₹1 Lakh | ₹50 plus correspondent bank charges if applicable, effective December 1, 2014 | |
| *Third Party Registration required (customers registered for third party transfers have a maximum limit of ₹10 lakh per customer id and hence can issue multiple DDs of ₹1 lakh up to ₹10 lakh and send it to the beneficiary address). | ||
| Demand drafts issued - At non HDFC Bank locations | ₹50 plus charges as outlined below: | |
| Up to ₹500 | ₹10 | |
| Above ₹5,000 to ₹10,000 | ₹30 | |
| Above ₹500 to ₹1000 | ₹15 | |
| Above ₹1,000 to ₹5,000 | ₹25 | |
| Above ₹10,000 | ₹5 per 1,000 or part thereof minimum ₹75 to maximum ₹10,000. | |
| ATM / Debit Card - Transaction Charge | Cash withdrawal - ₹20 plus taxes per transaction Non-Financial Transaction - ₹8.5 plus taxes per transaction |
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| NEFT charges - outward (Branch) | Amounts up to ₹1 lakh: ₹2 (plus GST) per transaction Amounts above ₹1 lakh: ₹10 (plus GST) per transaction |
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| NEFT Charges for Indo-Nepal transactions | Customers having NSBL* account - ₹20 Customers having non-NSBL* account: Up to ₹5,000 - ₹70 Above ₹5,000 - ₹95 * Nepal State Bank Ltd |
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| RTGS charges - outward (Branch) | ₹2 lakh and above - ₹15 (plus GST) per transaction | |
| IMPS – Outward | Charges Effective January 01, 2017 Amount ₹1 to ₹1 lakh: ₹5 (plus taxes) per transaction Amount above ₹1 lakh to ₹2 lakh: ₹15 (plus taxes) per transaction |
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| NEFT Charges- outward (online) | Free, effective November 1, 2017 | |
| RTGS - Outward (online) | Free, effective November 1, 2017 | |
Note :
• The Phone Banking charges will apply for transactions that are available on the IVR but are done by customers through the Phone Banking Executive.
Yes, there are certain fees and charges associated with the Zero Balance Salary Account.