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Additional Benefits

Wondering if you are eligible?

You are eligible to open an Agri Current Account if you are:

  • Arthiyas (commission agents)
  • Traders of Pesticides, Seeds, Fertiliser
  • Mandis, Marketing Societies, Billing cum payment agents
Agri Current Account

Documents required to get you started

Category A (government issued documents)

License or registration certificate issued, in the name of the entity, by/under:

Municipal authorities such as Shop & Establishment certificate/Trade License,

Registering authority in the name of practicing firm like Certificate of Practice issued by Institute of Chartered Accountants of India, Institute of Cost Accountants of India and Institute of Company Secretaries of India,

Indian Medical Council

Food and Drug Control Authorities

Category B (other documents)

Latest Professional Tax/GST Returns filed in name of firm, duly acknowledged. Profession Tax/GST Returns cannot not be accepted along with registration certificate under respective acts e.g. Professional Tax/GST Return cannot be accepted with Professional Tax/GST Registration Certificate)

TAN Allotment Letter, in name of firm/proprietor (subject to firm’s name appearing in address) or TAN registration details (available online)

Bank account statement, in the name of firm, for last six months with satisfactory operations subject to obtaining IP cheque from the same account provided this account is maintained with a Nationalised/private/foreign bank or Regional Rural/Cooperative Banks (for customers in rural/village areas). This document cannot be accompanied with ITR as Category A document

Certificate issued by a Chartered/Cost Accountant (as per Annexure – G) confirming existence of the firm, containing name and address of firm along with name of the proprietor. The name of Chartered/Cost Accountant to be validated from chartered/cost accountants’ directory. In case Certificate has been issued by Chartered Accountant, certificate to contain UDIN number which needs to be verified by the Branch in ICAI website and attach printout of verification carried out

*Note* This is only indicative list. Please visit your nearest branch for details

Incorporation Document, Limited Liability Partnership Agreement

Certificate of Incorporation

List of all existing Designated Partners of LLP along with Designated Partner Identification Number (DPIN) issued by the Central Government

Resolution passed at the meeting of Designated Partners for the particular relationship, which the LLP plans to have with the bank

KYC of Designated Partners/Authorised Signatories

Private Limited Companies

Memorandum of Association (MOA)

Articles of Association (AOA)

Certificate of Incorporation

Latest list of directors duly signed by any Director/Company Secretary/Authorised Signatory

Board Resolution (BR) duly signed by the directors of the company

INC-21 and INC-20A will be required as applicable

Limited Companies

Memorandum of Association (MOA)

Articles of Association (AOA)

Certificate of Incorporation

Certificate of Commencement of Business

Latest list of directors duly signed by any Director/Company Secretary/Authorised Signatory

Board Resolution (BR) duly signed by the Directors/Company Secretary of the Company

INC-21 and INC-20A will be required as applicable

List of acceptable documents for proof of Identity:

Passport

MAPIN card (issued by NSDL)

PAN card

Election/Voter’s card - subject to being accompanied by a self-signed cheque drawn on Nationalised/Private Sector/Foreign Banks

Photo ID card issued by any of the following organisations/Institutions - Central Government or any of its Ministries, Statutory/Regulatory authorities, State Govt. or any of its Ministries, Public Sector Undertaking (established under GOI or State Govt.), State Govt. of J&K1, Bar council

Senior Citizen card issued by State/Central Govt

Govt. of India to Persons of Indian Origin (PIO card)

Defence Dept/Ministry of defence for Defence personnel & their dependents

Public Financial institutions/Public sector banks

Permanent Driving license - subject to being accompanied by a self-signed cheque drawn on Nationalised/Private Sector/Foreign Banks

List of acceptable documents for proof of Address

Passport

Permanent Driving license

Election/Voter’s card issued by Election Commission of India

Proof of possession of Aadhaar/printout of e-Aadhaar (not older than 30 days)/eKYC (Biometric/OTP based)

Job card issued by NREGA duly signed by an officer of the State Government

Letter issued by the National Population Register containing details of name & address

Note: For all non-individual entities, regulatory/industry specific document for running regulatory business and CKYC annexures are also required.

Know more about Agri Current Account

Application Process

Self-Employed & Others

  • Please fill in the enquiry form and await a callback to start the Account Opening Process for your E-commerce Current Account.

Bank Branch

  • Please complete the requisite form and share it with your banker. They will guide you on the next steps.
Card Reward and Redemption

Fees & Charges

  • Enclosed below are HDFC Bank Agri Current Account fees and charges
  • HAB: ₹10,000 /-
  • Non-Maintenance Charges (per half year): ₹1,500/-

Note: Free Cash Deposit limits will lapse if AQB maintained is less than 75% of required product HAB

Balance Requirement and Charges

  • You need to maintain an average balance of ₹10,000 per half year.
  • You will be charged ₹1,500 if you do not maintain a half-yearly balance of ₹10,000.

Cash Transactions

  • Operational Limit for Cash Deposit at Non-Home Branch (per day): ₹50,000
  • Cash withdrawal limit at Home Branch: Free
  • Click here to view more details of the fees and charges
Card Reward and Redemption

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.
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App for iPhone

How To Get Started

Step 1   Search ‘HDFC Bank’ on your iPhone’s App Store

Step 2   Download the HDFC Bank MobileBanking App

Step 3   Enter your customer ID and password to start banking

 

Fees and Charges of Agri Current Account

Enclosed below are HDFC Bank Agri Current Account fees and charges

 

Features Agri Current Account
HAB ₹ 10,000/-
Non-Maintenance Charges (per half year) ₹ 1,500/-
Note: Free Cash Deposit limits will lapse if AQB maintained is less than 75% of required product HAB

 

Download Fees & Charges effective 1st August’2025

 

Cash Transactions

 

Features Details
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) Free up to ₹10 Lakh or 25 transactions (whichever is breached first) at any HDFC Bank Branch / Cash Recycler Machines; Beyond free limits, standard charges @ ₹4 per ₹1000, minimum ₹50 per transaction beyond free limits
Cash deposit in low denomination coins and notes i.e. ₹20 and below @ any HDFC Bank Branch (Monthly) Cash deposit in notes = Nil free limits; chargeable at 4% of cash deposit in low denomination notes
Cash deposit in coins = Nil free limits; chargeable at 5% of cash deposit in coins
Operational Limit for Cash Deposit @ Non-Home Branch (per day) ₹ 50,000/-
Cash Withdrawal Limit @ Home Branch Free
Cash Withdrawal Limit @ Non Home Branch (Monthly Limit) No free limit
₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- per transaction

 

**Effective 1st August 2025, ₹50/- per transaction would be applicable for Cash Deposits through Cash Recycler Machines during 11 PM to 7 AM on all calendar days.

 

Non-Cash Transactions

 

Features Details
Local / Intercity Cheque Collection / Payments & Fund Transfer Free
Bulk Transactions – Monthly Free Limit Free up to 100 transactions; Charges @ ₹35 per transaction beyond free limits
Demand Drafts (DD) / Pay Orders (PO) @ Bank Location No free limit
Charges ₹ 1/- per ₹ 1,000/-, Min ₹ 50/-, Max ₹ 3,000/- per instrument beyond free limit
Demand Drafts (DD) @ Correspondent Bank Location Charges ₹ 2/- per ₹ 1,000/-
Minimum ₹ 50/- per instrument
Cheque Leaves – Monthly Free Limit Free up to 50 cheque leaves
Charges ₹ 3 per leaf beyond free limit
Outstation Cheque Collection @ Clean Location Up to ₹ 25,000 – ₹ 50/-
₹ 25,001 to ₹ 1 lakh – ₹ 100/-
Above ₹ 1 lakh – ₹ 150/-

 

Electronic Transactions

 

Transaction Type Charges
NEFT Payments Free on NetBanking & Mobile Banking; Branch Banking = Up to ₹10K: ₹2 per transaction, Above ₹10K up to ₹1 Lakh: ₹4 per transaction, Above ₹1 Lakh up to ₹2 Lakh: ₹14 per transaction, Above ₹2 Lakh: ₹24
RTGS Payments Free on NetBanking & Mobile Banking; Branch Banking = ₹2 Lakh to ₹5 Lakh: ₹20 per transaction, Above ₹5 Lakh: ₹45 per transaction
IMPS Payments Up to ₹1000: ₹2.5, Above ₹1000 up to ₹1 Lakh: ₹5, Above ₹1 Lakh up to ₹2 Lakh: ₹15
NEFT / RTGS / IMPS Collections Free

 

Debit Cards (only for Individuals and Sole proprietorships)

 

Features Business* ATM Card
Annual Fee per Card ₹ 350/- plus taxes Free
Daily ATM Withdrawal Limit ₹ 1,00,000/- ₹ 10,000/-
Daily Merchant Establishment Point of Sale Limit ₹ 5,00,000/- NA

 

  • *Also available for partnership firms & limited company current accounts. In case, the MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) have to sign the form jointly.

  • *For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.   

  • For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect.  

  • *Revised Business Debit Card charges are effective from 1st August’2024

ATM Usage

 

ATM Transactions (@ HDFC Bank ATM) Unlimited Free
ATM Transactions - Financial & Non-Financial
(@ Non- HDFC Bank ATM)		 Unlimited Free

 

Note: With effect from 1st May 2025, ATM transaction charge rate beyond free limit of ₹21 + taxes would be revised to ₹23 + taxes, wherever applicable.

 

ACCOUNT CLOSURE CHARGES

 

Closure Period Charges
Up to 14 days No Charge
15 days to 6 months ₹ 500/-
6 months to 12 months ₹ 250/-
Beyond 12 months No Charge

 

Fees & Charges (past records)

 

Click here to view Fees & Charges for Agri Current Account before 1st Oct’23

Click here to view Fees & Charges for Agri Current Account before 1st December, 2014

Click here to view Fees & Charges for Agri Current Account before 1st December’2024

Click here to view Fees & Charges for Agri Current Account before 1st August’2025

 

  • Click here to read the Terms & Conditions of an Agri Current Account.

Frequently Asked Questions

Yes, an average balance of ₹10,000 per half-year must be maintained. Non-maintenance charges of ₹1,500 apply if the balance requirement is not met.

Hassle-free deposits and withdrawals up to ₹10 lakh cash per month or 25 transactions free at any HDFC Bank branch. 

 

  • Convenient online banking with Net Banking, Phone Banking, and Mobile Banking.

  • Doorstep banking services for cash and cheque pick-ups.

  • Free local/intercity cheque collection and payment within HDFC Bank Branch locations.

Agri Current Account is the best offering for Commission agents, Arthiyas and Fertiliser/pesticide traders

Agri current account has a Half-Yearly Average Balance (HAB) requirement of ₹10,000/- (across all locations)

NMC charges: ₹ 1,500/- (per half year)

Following are the key features of Agri Current Account:

 

  • Free Cash Deposit up to ₹ 10 lakh per month or 25 transactions (whichever is breached first) at any HDFC Bank Branches

  • Free Cash Withdrawal from Home Branch

  • Personalized Cheque Book (Payable-at-par) – 50 cheque leaves free per month

  • Free Local /Anywhere Cheque Payments & Collections & Account to account Funds Transfer at all HDFC Bank locations.

  • Free collection of funds through RTGS / NEFT / IMPS

  • Access to Direct Banking Channels – Net-Banking, Phone-Banking, Insta-Query & Doorstep Banking

Free Cash Deposits up to ₹ 10 lakh or 25 transactions (per month), whichever is breached first at any HDFC Bank Branches

  • Unlimited cash withdrawal from Home branch

  • No free limits at Non-home branch

  • Nil free limit for DD / PO. Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and 
    Max ₹ 3,000/- per instrument beyond free limit

  • DD/POs (Correspondent Bank Location) – No free limits

Agri Current Account offers 50 free cheque leaves per month.

Agri Current Account offers 100 free Bulk transactions per month.

 

(Note: Bulk transactions include all Local & Anywhere clearing and Fund transfers)

Online NEFT/RTGS payments are free.

 

Through branch, NEFT payments are charged as follows:

 

  • Upto ₹ 1 lakh: ₹ 2/- per transaction,

  • Above ₹ 1 lakhs: ₹ 10/- per transaction

Through branch, RTGS payments are charged as follows:

 

  • Above ₹ 2 lakh: ₹ 15/- per transaction

IMPS charges on outgoing transactions (through NetBanking & MobileBanking) are as follows:

 

  • Up to ₹ 1,000: ₹ 3.5/- per transaction,

  • Above ₹ 1,000 and up to ₹ 1 lakh: ₹ 5/- per transaction

  • Above ₹ 1 lakh and up to ₹2 lakh: ₹15/- per transaction 
    (charges exclusive of GST)

Bank anytime, anywhere in person at a branch or ATM, from your laptop or mobile. Click here for more details.