Regular Current Account

You can easily apply for a Regular Current Account online by visiting our website and filling out the application form. Click here to get started.

By opening Regular Current Account online, you can enjoy free local or intercity cheque collection and payments across all HDFC Bank locations, free transfer of funds between HDFC Bank accounts, issue free Demand Drafts (DD) and Pay Order, free collection of funds through RTGS and NEFT, get a payable-at-par cheque book at a nominal price, and make free cash deposits up to 2 lakh per month at any HDFC Bank branches.

Yes, opening an HDFC Bank Regular Current Account requires documents such as identity proof, address proof, business registration proof, and a recent photograph. For a complete list of required documents, refer to the documentation section or contact your nearest branch.

With HDFC Bank Regular Current Account you can avail of non-cash services such as free local or intercity cheque collection and payments, free transfer of funds between HDFC Bank accounts, free Demand Drafts (DD) and Pay Order issuance, free collection of funds through RTGS and NEFT, payable-at-par cheque book at a nominal price, and free cash deposits up to ₹2 lakh per month at any HDFC Bank branches. 

• Enjoy easy banking with InstaAlerts, Doorstep Banking, 24-hour PhoneBanking, NetBanking, and MobileBanking services. 
• Get multiple benefits on a Business Debit Card including cashback, lounge access, personal accidental death cover, international air coverage, retail/online shopping benefits, and ATM withdrawal limits

Regular current account is best suited for Merchants/Traders, Service Providers & Dukaandars with local transactions (with / without requirement of ME/MPOS/MEAPP), with turnover less than ₹50 lakh.

Note: Regular Current Accounts are opened at Non-Metro locations only

AQB Requirement – ₹10,000/-

NMC charges: ₹1,500/- (per quarter)

• Free Cash Deposits up to ₹2 lakh or 25 transactions (whichever is breached first) at any HDFC Bank Branches
• Free local or intercity cheque collection and payments across all HDFC Bank locations.
• 50 free Bulk transactions per month
• Free transfer of funds across cities between HDFC Bank accounts.
• Nil free limit for DD / PO. Charges ₹ 1/- per ₹1,000/-, Min ₹ 50/- and Max ₹3,000/- per instrument beyond free limit.
• Free collection of funds through RTGS and NEFT
• Get a payable-at-par cheque book at a nominal price.
• Easy banking with facilities like NetBanking and MobileBanking that allow you to check your account balance, pay utility bills, or even stop cheque payments via SMS

Free Cash Deposits up to ₹2 lakh per month or 25 transactions (whichever is breached first) at any HDFC Bank Branches

• Unlimited cash withdrawal from home branch
• No free limits offered at non-home branch

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

There are no free limits for cheque leaves, with Regular Current Account

50 free Bulk transactions per month are offered.

(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:

• Up to ₹1 lakh: ₹ 2/- per transaction,
• Above ₹1 lakh: ₹ 10/- per transaction

Through branch, RTGS payments are charged as follows:

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

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.