Fees and Charges of Trade Current Account
Enclosed below are HDFC Bank Trade Current Account fees and charges
| Description of Charges | Trade Current Account |
|---|---|
| Average Quarterly Balance | ₹40,000/- (AQB) |
| Non-Maintenance Charges (per Quarter/Month/half yearly) | ₹2400/- per quarter |
| Mode of calculation of minimum average quarterly balance | Average of daily closing balances of each day spread over a period of three months. |
| Cheque Book Charges (Issued by Bank) ( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.) |
Payable-at-par 200 cheque leaves Free per month. Charges ₹3/- per leaf beyond 200 leaves |
| Free Monthly Cheque Leaves | 200 |
| Other Current Account facilities | |
| Account Statement | Free (Monthly)+ |
| Duplicate/Adhoc Statement | |
| Requests through Direct Banking Channels | ₹50/- per statement through ATM/Mobile Banking/NetBanking and Phone Banking (IVR) |
| At branch or PhoneBanking (Non-IVR) | ₹100/- per statement through Branch; ₹75/- per statement through PhoneBanking (Non-IVR) |
| Remittance facility through own Bank | |
| Demand Drafts (DD) & Pay Orders (PO) issuance at HDFC Bank Location | Free 30 DD/PO per month. Charges ₹ 1/- per ₹ 1000/-, Min ₹ 50/- and Max ₹ 3000/- per instrument beyond free limit |
| NEFT Transactions : | |
| Payments(At branch) | 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 per transaction |
| Collections | Free |
| RTGS Transactions : | |
| Payments(At branch) | Free on NetBanking & Mobile Banking; Branch Banking = ₹2 Lakh to ₹5 Lakh: ₹20 per transaction, Above ₹5 Lakh: ₹45 per transaction |
| Collections | Free through Netbanking |
| NEFT/RTGS payments are free through NetBanking | |
| Local Transactions (At home branch location) | |
| Local cheques collections & payments | Free |
| Account to Account Fund Transfer within HDFC Bank | Free |
| Anywhere Transactions | |
| Account to Account Fund Transfer within HDFC Bank | Free |
| Payments at HDFC Bank Locations | Free |
| Collections at HDFC Bank Locations | Free |
| Bulk Transaction (Monthly Limit) | Free up to 150 transactions; Charges @ ₹35 per transaction beyond free limits |
| Remittance facility through other Bank | |
| Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup) | ₹2 per ₹1000/- Minimum ₹50/- per DD |
| DD-Cancellation / Revalidation | ₹60 per instance |
| Cheque Collection | |
| Bouncing of cheques- Local | |
| Cheques Drawn on us | |
| Due to Insufficient Funds | Up to 2 instruments per month ₹ 500/- per instrument; on 3rd onwards ₹ 750/- per instrument Due to funds transfer cheque return - ₹ 350/- per instrument |
| Due to Technical Reasons | ₹ 50/- per instrument (e.g. - Date not mentioned, post-dated, sign mismatch, etc.) |
| Cheques Deposited Returned Unpaid | Local & Outstation - ₹ 200/- instrument |
| Doorstep Banking ** | |
| Cash Pickup Charges (within municipal city limits) | |
| Up to ₹1 lac | ₹200/- per pickup |
| Beyond ₹1 lac and up to ₹2 lac | ₹225/- per pickup |
| Beyond ₹2 lac and up to ₹4 lac | ₹350/- per pickup |
| Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager | |
| Cash Transactions | |
| Cash Deposit | |
| Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) | Free up to ₹5 Lakh or 40 transactions (whichever is breached first); 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 = Cash deposit in notes = Nil free limits; chargeable at 4% of cash deposit in low denomination notes Cash deposit in coins = Cash deposit in coins = Nil free limits; chargeable at 5% of cash deposit in coins |
| Limit on Inter-Branch deposits (Within Home Branch City) | Cash deposit at non home Branches within home branch city subject to maximum of ₹50,000/- per account per day |
| Free Cash Deposit Limit will lapse for the accounts where AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customer will be charged from 1st transaction for cash deposit. **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. |
|
| Cash Withdrawal | |
| Cash Withdrawal - Home Branch | Free |
| Cash Withdrawal - Non Home Branch | ₹50,000/- per day |
| Miscellaneous | |
| Balance enquiry | Free |
| TDS Certificate | Free |
| Balance Confirmation | ₹100/- |
| Interest Certificate | ₹100/- |
| Cheque Status per instance | Free |
| Photo Verification | ₹100/- per instance |
| Address Confirmation | Free |
| Signature Verification | ₹100/- per instance |
| Setting up of Standing Instructions | Nil |
| Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address) | ₹50/- per instance |
| SI rejects | Up to 3 returns - ₹250/ instance 4th return onward ₹750/ instance |
| ECS (Debit) Return Charges (Quarterly Charges) |
Up to 3 returns - ₹350/ instance 4th return onward ₹750 /instance |
| Old Records / Copy of Paid Cheque | |
| ₹200 per record | |
| Certificate of Balance | |
| Current Year | Free |
| Previous Year | ₹250/- |
| Common Charges for Debit / ATM Cards | |
| Replacement of damaged card | Free |
| Replacement of Lost card | ₹200/- |
| Copy Retrieval Request | ₹100 |
| Re-Issuance of PIN | ₹50 (plus taxes) |
| Stop Payment Charges | |
| Particular cheque | ₹ 100/- (Free through Net Banking and Phone Banking) |
| Range of cheques | ₹ 200/- (Free through Net Banking and Phone Banking) |
| Account Closure: | |
| Up to 14 days | No Charge |
| 15 days to 6 months | ₹1,000/- |
| 6 months up to 12 months | ₹500/- |
| Beyond 12 months | No Charge |
| InstaAlert / Mobile Banking | |
| Insta Alert | Nil |
| Transactions through PhoneBanking: | |
| Interactive Voice Response (IVR) | Free |
| Non-IVR Agent-assisted – for accounts maintaining AQB | Free |
| Non-IVR Agent-assisted – for accounts not maintaining AQB as of previous quarter | ₹50/- per call |
| Charges on all IMPS Outgoing transactions: | |
| Up to ₹ 1000 | ₹2.50/- per txn |
| Above ₹ 1000 up to ₹1 Lakh | ₹ 5/- per txn |
| Above ₹1 Lakh up to ₹2 Lakh | ₹ 15/- per txn |
| Debit Cards (only for Individuals & Sole Proprietorship) | ||
|---|---|---|
| Debit Card | Business# | ATM Card |
| Annual Fee per card | ₹350/- plus taxes | Free |
| Daily ATM 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. *Revised Business Debit Card charges are effective from 1st August’2024 |
||
| ATM Usage | |
|---|---|
| ATM Txns (@ HDFC Bank ATM) | Unlimited Free |
| ATM Txns (@ Non- HDFC Bank ATM) | No Free Limits, Charges @ ₹ 21/- per transaction |
- 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.
- All charges are exclusive of GST as applicable from time to time
- +For accounts maintaining AQB less than ₹40,000/- as of previous qtr will be charged ₹25 each for next 3 montly statement
- **Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.