| Description of Charges | Institutional Savings Account | |
|---|---|---|
| Minimum Balance (Average Monthly Balance) | Zero | |
| Charges on non maintenance thereof | NIL | |
| Cheque Book | Free | |
| Account Statements - Monthly | Free | |
| Issue of duplicate / ad hoc statements | Physical copy Branch - ₹100 | |
| Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations | Free | |
| Managers Cheque/Demand Drafts - Cancellation / Revalidation | Free | |
| Demand Drafts- Issued - On 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 ₹10,000 to ₹1 Lakh | ₹3 per 1000 or part thereof | |
| Above ₹1 Lakh | ₹6 per 1000 or part thereof, minimum ₹300 to maximum ₹10,000. | |
| Cheque Collection - Local Clearing Zone | Free | |
| Collection of outstation cheques - our bank locations | Free | |
| Charges for cheques drawn on non HDFC Branch locations | Free | |
| Cheque return charges drawn on us | For the first instance in a month: ₹450 2nd instance in the same month: ₹500 3rd instance and above in the same month: ₹550 Charges due to funds transfer cheque return: ₹350 |
|
| Due to Technical reasons: ₹50 per instance. Note: Technical reason include date not mentioned, post dated, sign mismatch |
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| Cheques deposited returned unpaid | ₹200 | |
| Balance Enquiry - at Branch | Free | |
| Balance Certificate | Free | |
| Interest Certificate | Free | |
| TDS Certificate | Free | |
| Account Closure (from account opening date) | Up to 14 days: NIL 15 days up to 12 months: ₹500 Beyond 12 months: NIL |
|
| Photo Attestation | Free | |
| Signature Attestation | Free | |
| Address Confirmation | Free | |
| Stop Payment Charges | Particular Cheque (through Branch) : ₹100 Range of Cheque (through Branch) : ₹200 *Free through Net Banking |
|
| Standing Instructions | Setting up charges: NIL |
|
| Old records/copy of paid cheques | Free | |
| Cash transactions (Cash deposits & withdrawals) by self & third party at home branch | Free | |
| Cash transactions (Cash deposits & withdrawals) by self & third party at non home branch | Up to 5 lacs/day - Free, Above ₹ 5,00,000/- ₹ 5 per thousand or part there of will be levied on the full amount |
|
| Local Cheque deposited for outstation accounts | No Charge | |
| ECS / ACH (Debit) Return Charges | 1st instance in a month: ₹450 per transaction 2nd instance in a month: ₹500 per transaction 3rd instance and above in a month: ₹550 per transaction |
|
| Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address) | ₹50 per instance | |
| IPIN Regeneration (requests received at the branch for physical dispatch) | Free | |
| Standing Instructions rejects | 1st return: ₹200 per instance 2nd return onward - ₹250 per instance |
|
| Mandate registration charges | ₹40 | |
| InstaAlerts | Click here to know more | |
| All fees and charges are exclusive of taxes. The charges mentioned in the tariff will attract Goods & Services Tax as applicable. The above-mentioned charges will remain same until further intimation. | ||
| If you wish to avail Overdraft against Deposit in your Institutional Savings account, Debit/ATM Card will not be offered in this case. All the remaining features and charges linked to this account will be similar to Institutional Savings account. |