| 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 | BSBDA Small Account (Effective 1st Aug'19) | |
|---|---|---|
| Minimum Average Balance Requirements | NIL | |
| Charges applicable on non-maintenance | NA | |
| Cheque book | Free - 25 cheque leaves annually Additional cheque book of 25 leaves at ₹100, ₹75 for senior citizen. Effective, August 1, 2021. |
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| Issue of duplicate/ad hoc statements | Soft Copy - Current and previous year statement through Net Banking - 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 1, 2013. |
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| Passbook issuance* | Free | |
| Duplicate passbook issuance* | ₹100 | |
| Managers cheque/demand drafts - Cancellation/revalidation | ₹60 Nil charges for Managers cheque/demand drafts - Cancellation/revalidation up to ₹1000. Senior Citizens: ₹54 Nil charges for Managers cheque/demand drafts- Cancellation / revalidation up to ₹1000. Effective August 1, 2021. |
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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 ₹1lakh | ₹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 | ||
| 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 (e.g. - 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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| Due to funds transfer cheque return ₹350, Senior citizen: ₹315 |
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| Due to technical reasons ₹50, Senior citizen: ₹45) |
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| Cheques deposited - Returned Unpaid (Effective December 1, 2017. | ₹200 per instance | |
| Balance enquiry - At branch | Free | |
| Balance certificate | Current year - Free; previous year - ₹100 For Senior Citizens Current year - Free; Previous year - ₹90 Effective August 1, 2021. |
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| Interest certificate | ₹50 per instance: ₹100 per instance, Senior citizen - ₹90 per instance Effective August 1, 2021. |
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| 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 Senior Citizens: NIL Effective July 1, 2013. |
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| Address confirmation | ₹100 per instance Senior citizen - ₹90 per instance Effective August 1, 2021. |
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| Stop payment (request from customer not to honour cheque issued) charges | Particular cheque - ₹100 Range of cheques - ₹200 *Free through Net Banking. |
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| Standing Instructions | ₹25 per transaction plus remittance charge, effective July 1, 2013. | |
| Unarranged overdraft | ₹100 per occasion plus 18% interest pa | |
| Old records/copy of paid cheques | Up to 1 year - ₹50 per record Above 1 year - ₹100 per record, effective August 1, 2021. ₹80 per record, Senior citizen - ₹72 per record |
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| 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, effective December 1, 2021. | |
| Debit Card - Transaction charge - non HDFC Bank international ATMs | ₹20 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 | |
| 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 | |
| BillPay | This service is free, effective Au | |
| InstaPay | ₹10 per transaction | |
| Visa Money Transfer | ₹5 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 regeneration (requests received at the branch for a physical dispatch) | ₹50 per instance - ₹40 per instance, effective August 1, 2021 Senior citizen - ₹36 per instance. |
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| IPIN regeneration (requests received at the branch for a physical dispatch) | ₹100 per instance: ₹40 per instance, effective August 1, 2021 Senior citizen - ₹36 per instance. |
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| Standing Instruction rejects | ₹200 per instance | |
| One time Mandate Authorisation Charges per mandate (Physical / Online) | ₹100, ₹40, effective August 1, 2021 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 1000 on entire amount (minimum ₹75 and maximum ₹10,000) | |
| Only DD amount up to ₹100,000 for Preferred/Imperia and ₹50,000 for other customers accepted at PhoneBanking | ||
| DD request through Netbanking | ||
| Up to ₹10 lakh | ₹50 plus correspondent bank charges if applicable (effective December 1, 2014) | |
| Third party DD* upto₹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 ₹500 to ₹1,000 | ₹15 | |
| Above ₹1,000 to ₹5,000 | ₹25 | |
| Above ₹5,000 to ₹10,000 | ₹30 | |
| 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 at only Non HDFC Bank ATMs |
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| NEFT charges - outward (Branch) | Amounts up to ₹1 lakh - ₹2 per transaction Amounts above ₹1 lakh - ₹10 per transaction |
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| NEFT Charges for Indo-Nepal transactions | Customers having NSBL*A/c - ₹20 Customers having non-NSBL* A/c: Up to ₹5,000 - ₹70 Above ₹5,000 - ₹95 *Nepal State Bank Ltd |
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| RTGS - Outward (Branch) | ₹2 lakh and above - ₹15 per transaction | |
| Signature Attestation | ₹100, Senior citizen - ₹90 | |
| SI set on Net Banking | Discontinued | |
| Branch transactions | Discontinued | |
| InstaAlerts |
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| Cardless Cash Withdrawal | ₹25 plus taxes per transaction | |
Yes, BSBDA Small Account incurs certain fees and charges including ATM/debit card transaction charges, IPIN regeneration, standing instruction rejects, and more.