Regular Savings Account

What's in store for you

More benefits than ever before

Banking Benefits

  • Millennia Debit Card or a MoneyBack Debit Card with your Regular Savings Account

Demat Benefits

  • AMC waived off for the first year on your first Demat Account*

Payment Benefits

  • Ability to pay bills easily with HDFC BillPay

Regular Savings Account

Additional Benefits

Know more about Regular Savings Account

Fees & Charges

  • Minimum Balance: ₹10,000

  • Balance Enquiry: Free 

  • Certificate of Balance: Free w.e.f. 1st Aug’22 

  • Interest Certificate: Free w.e.f. 1st Aug’22 TDS Certificate Free

For consolidated savings fees and charges of a Regular Savings Account, click here.

Fees & Charges

Check out the deals

  • CashBack and discounts with Debit Card: 5% CashBack on shopping via PayZapp and SmartBuy.
  • SmartBuy Offer: Click here
  • PayZapp offer: Click here
  • UPI offers: Click here
  • NetBanking offers: Click here
  • BillPay offers: Click here
Check out the deals

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Most Important Terms and Conditions

Wondering If You Are Eligible?

The following people are eligible to open a Regular Savings Account:

  • Resident Individuals (sole or joint account)
  • Hindu Undivided Families
  • Foreign Nationals Residing in India*
  • Minor above the age of 10 years are eligible to open self-operated minor account and an ATM/Debit card can be issued to the Minor

 

Note: *Foreign Nationals should be residing in India for a period greater than 180 days and must possess: A valid passport, a valid visa, FRRO (Foreign Region Registration Office) Certificate, and a Residential Permit

 

 

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Documents required to get you started

Officially Valid Documents (OVDs) for establishing Proof of Identity And Mailing Address

OVD (any 1)

  • Passport
  • Aadhaar Card**
  • Voter ID
  • Driving Licence
  • Job Card
  • Letter issued by the National Population Register

**Proof of possession of Aadhaar (any 1):

  • Aadhaar letter issued by UIDAI
  • E-Aadhaar only downloaded from UIDAI website
  • Aadhaar Secure QR Code
  • Aadhaar Paperless Offline e-KYC

Click here to know complete documentation details

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Application Process  for Opening a Digital Account with Aadhaar

Apply online in just 4 simple steps: 

  • Step 1: Validate your mobile number
  • Step 2: Select the ‘Account Type’ of your choice
  • Step 3: Provide personal details including Aadhaar number
  • Step 4: Complete Video KYC
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Simplify KYC with Video Verification

  • Keep your PAN Card and Aadhaar-enabled phone handy, along with a pen (blue/black ink) and white paper. Ensure you have good connectivity/network.
  • Enter your Aadhaar card number at the start and verify yourself using OTP.
  • A bank representative will then verify your details, such as LIVE signature, LIVE photo, and location.
  • Once the video call is complete, your video KYC process stands completed.
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Ways to open a Bank Account

Here's what our customers have to say.

Trusted by 1 Cr+ Happy Customers.

I have been using my HDFC Bank savings account for more than 2 years. My overall experience has been very good. The mobile app is simple to use from any of my devices, and online banking helps me save a lot of time. ATMs are easy to find and always work when I need them.

Ankit Badoni

My experience with an HDFC Bank Savings Account has been positive. The digital banking experience is seamless; opening my account online took just 10 minutes as I completed video KYC from home. The user-friendly mobile app provides 24/7 access to transactions, bill payments, and fund transfers. Overall, HDFC Bank's Savings Account is a great choice for digital convenience. They also have a very wide service network of branches, though some customers report inconsistent service and delays in issue resolution.

Jitendra Tiwari

I've had a great experience with my HDFC Bank Savings Account—everything from opening the account online to daily transactions has been smooth and hassle-free. The mobile app is super easy to use, and I love how I can manage almost everything digitally without visiting a branch. Plus, the debit card perks and wide ATM network make banking really convenient for me.

Shalini Jadhvani

HDFC Bank is one of the best, especially when it comes to new offers. I have been using SmartBuy and Payzapp to get often get deals as well as CashBack on my day-to-day spends (even utility bills).

Pranay Sharma

I’ve been banking with HDFC for about 9 years now, and honestly, it’s been a really good experience. Whenever I’ve had to call customer support, they’ve been helpful and quick to sort things out. I’ve never had any major issues with my account, and I always feel like I can trust HDFC with my money. One thing that stands out is how easy it was for me to get a personal loan online. Since I’ve been a customer for so long, the bank offered me a really good interest rate, and the whole process was fast with minimal paperwork. I’d definitely recommend it to anyone looking for a reliable bank.

Kalpesh Shirke

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Frequently Asked Questions

You can easily apply to open a Regular Savings Account online on our website. Click here for applying online. Alternatively, you can visit the nearest HDFC Bank branch. However, applying online is a faster and more resource-saving option. 

Yes, you will need to provide identity proof (such as Aadhaar card and PAN card), address proof (such as latest utility bill and passport), and income proof (such as salary slips or income tax returns) to open a Regular Savings Account in India. Refer to the "Documents to get you started" section above for more details.

The HDFC Bank Regular Savings Account offers a range of features to enhance your banking experience.

  • Exclusive discounts and offers through our online shopping portal.

  • Access to safe deposit lockers.

  • Save more with Super Saver Facilities. 

  • Customised cheques for enhanced security.

The Regular Savings Account from HDFC Bank offers various benefits to account holders. Customers can avail cross-product benefits, including waived Annual Maintenance Charge (AMC) for the first year on their first Demat Account. The account provides easy access to transactions through a wide network of branches and ATMs. Account management is convenient with NetBanking, PhoneBanking, and MobileBanking facilities. Customers can also easily pay their utility bills using the Bill Pay feature. Additionally, the account offers free passbook and email statement facilities, enhancing the overall banking experience for customers.

Grow your savings today with flexible, safe and easy banking.

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