| Description of Charges | Savings Beneficiary Account | ||
|---|---|---|---|
| Minimum Average Balance Requirements | NIL | ||
| Charges applicable on non-maintenance | NIL | ||
| Value of Cash transactions - Self (Cumulative of Deposit and Withdrawal) |
Home Branch: 10 lakh: Free per month per account. Above 10 lakh: ₹5 per thousand or part thereof, subject to a minimum of ₹150 Non-Home Branch: Cash transactions value up to ₹25,000 per day: No charge Above ₹25,000: ₹5 per thousand or part thereof, subject to a minimum of ₹150 |
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| Cheque book | Free: 25 cheque leaves per financial year Additional cheque book of 25 leaves will be charged at ₹75 per cheque book |
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| Issue of duplicate/ad hoc statements | Soft Copy - Current and previous year statement through Net Banking: No charge e-Statement 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 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) |
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| Only DD amount up to ₹1lakh for Preferred/Imperia and ₹50,000 for other customers accepted at Phone Banking | |||
| DD request through NetBanking | |||
| 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) | |||
| Managers cheque/demand drafts - Cancellation/revalidation | ₹100 NIL charges for Managers cheque/demand drafts: Cancellation/revalidation up to ₹1000. Effective, January 1, 2016 |
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| Demand drafts issued - At non HDFC Bank locations | ₹50 plus charges as outlined below: | ||
| Up to ₹500 | ₹10 | ||
| Above ₹500 to ₹1000 | ₹15 | ||
| Above ₹1000 to ₹5000 | ₹25 | ||
| Above ₹5000 to ₹10,000 | ₹30 | ||
| Above ₹10000 | ₹5 per 1000 or part thereof, minimum ₹75 to maximum ₹10,000. | ||
| 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 ₹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. | |||
| Cheque return charges drawn on us - Local | Due to insufficient funds: Each cheque return will be charged for ₹500, effective December 1, 2017 |
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| Charges due to funds transfer cheque return: ₹350 | |||
| Due to technical reasons: ₹50 per instance | |||
| Cheques deposited - Returned Unpaid (Effective 1st Dec'17) ₹200 per instance | |||
| Balance enquiry - At branch | Free | ||
| Balance certificate | Current year - Free; previous year - ₹50 | ||
| Interest certificate ₹50 per instance | |||
| 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 1st, 2013. |
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| Photo attestation | ₹100 per instance, Senior citizen: NIL Effective July 1st, 2013 |
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| Address confirmation | ₹50 per instance | ||
| Stop payment (request from customer not to honour cheque issued) charges | Particular cheque: ₹100 Range of cheques: ₹200 *Both free through Net Banking |
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| Standing Instructions | ₹25 per transaction plus remittance charge, effective July 1, 2013 | ||
| Old records/copy of paid cheques | Up to 1 year: ₹50 per record; above 1 year:₹100 per record | ||
| Activation of dormant account No charges | |||
| Branch transactions (Includes only Cheque deposit/Cheque issuance/Funds Transfer Debit/NEFT/RTGS) (Charges over and above standard remittance charges for Fund Transfer / NEFT / RTGS .Remittance charges applicable starting first transaction onwards) |
In case the AMB in the previous month account is equal to or above ₹50,000 No charges would be levied. In case the AMB is below ₹50,000 15 transaction free/month would be permitted and charge of ₹75/transaction would be levied 16th transaction onwards, effective July 1, 2013 |
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| Number of Cash transactions (Cumulative of Deposit and Withdrawal) | 4 free cash transactions per month 5th transaction onwards - ₹150 per transaction would be levied |
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| Third party Cash transaction (Cumulative of Deposit and Withdrawal) | Up to a limit of ₹25,000 per day: ₹150 Above ₹25,000 not allowed For Senior Citizen customers, Kids/Minor Bank Accounts, while the limit of ₹25,000 per day will be applicable, the accounts will not be charged |
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| Cash Handling charges Withdrawn effective March 1, 2017 | |||
| Local cheque deposited for outstation accounts | No charge | ||
| Phone Banking - IVR | Free | ||
| Phone Banking - Non IVR | Free | ||
| ATM card | Free | ||
| ATM card - Replacement charges | ₹200, effective December 1, 2014. | ||
| Debit Card Charges All fees will attract taxes as applicable |
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| Debit Card Variant | Issuance Fee | Annual/Renewal Fee | Replacement Charges |
| Replacement/Reissuance charges for Debit Cards : ₹200 plus applicable taxes. Effective December 1, 2016. |
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| Rupay Premium | Lifetime Free | ||
| Regular Card | ₹150 | ₹150 | |
| EasyShop Woman's Advantage | ₹200, effective March 1, 2018 | ₹200, effective March 1, 2018 | |
| EasyShop Titanium | ₹250 | ₹250 | |
| EasyShop Titanium Royale | ₹400 | ₹400 | |
| Rewards Card | ₹500 | ₹500 | |
| EasyShop Platinum | ₹750 | ₹750 | |
| ATM / Debit Card Card transaction charge, effective September 2019. | HDFC BANK ATMs | Other Bank ATMs | |
| Financial Transactions: First 5 free per month across all cities. Non Financial Transactions - No charge |
In Top 6 cities: First 3 Transactions free per month (Financial plus Non-Financial) Non-Top 6 cities : First 5 Transactions free per month (Financial plus Non-Financial) |
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| Note: Top 6 cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs Transactions over and above free limit will be charges as under: Cash withdrawal: ₹20 plus taxes per transaction Non-Financial Transaction: ₹8.5 plus taxes per transaction at Non HDFC Bank ATMs |
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| Debit Card - Transaction charge - non HDFC Bank international ATMs | ₹25 per balance enquiry and ₹125 per cash withdrawal 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 August 1, 2011. | ||
| InstaPay | ₹10 per transaction | ||
| Visa Money Transfer | ₹5 per transaction | ||
| NEFT Charges - Inward | NIL | ||
| NEFT Charges- outward (online mode) | Free (effective 1st Nov'17) | ||
| NEFT charges - outward (Branch) | Amounts up to ₹10,000: ₹2.5 per transaction Amounts from ₹10,001 to ₹1 lakh: ₹5 per transaction Amounts above ₹1 lakh up to ₹2 lakh: ₹15 per transaction Amounts above ₹2 lakh: ₹25 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 - Outward (online mode) | Free, effective November 1, 2017 | ||
| RTGS - Outward (Branch) | Above ₹2 lakh 5lakh: ₹25 per transaction Above ₹5 lakh: ₹50 per transaction |
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| RTGS - Inward | NIL | ||
| IMPS (Immediate Payment Service) – Outward | Charges Effective January 01, 2017 Amount up to ₹1 to ₹1lakh – ₹5 per transaction Amount above ₹1 lakh to ₹2 lakh: ₹15 per transaction |
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| IMPS (Immediate Payment Service) - Inward | NIL | ||
| Mobile Banking | NIL | ||
| Net Banking | Free | ||
| ECS / ACH (Debit) Return Charges | ₹350 would be levied on first instance of ECS return in a quarter. ₹750 would be levied, second instance onwards in the same quarter. |
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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 | ||
| IPIN re-generation (requests received at the branch for physical dispatch) | ₹100 per instance | ||
| Standing Instruction rejects | ₹200 per instance | ||
| Insta Alerts | Click here to know more | ||