Description of Charges |
Regular Savings Account |
Minimum Average Balance Requirements |
Metro / Urban branches: AMB Rs.10,000/-, or Fixed Deposit of Rs 1 Lakh for minimum 1 year 1 day period (w.e.f 1st July’22), Semi-Urban Branches: AMB Rs.5,000/- , or Fixed Deposit of Rs 50,000 for minimum 1year 1 day period (w.e.f 1st July’22), Rural Branches: AQB Rs.2,500/- or Fixed deposit of Rs 25,000 for minimum 1 year 1 day period (w.e.f 1st July’22) Note: FD should be linked to the Regular Savings account and of primary Regular Savings Account holder |
Charges applicable on non-maintenance |
Balance Non-Maintenance Charges* |
AMB Slabs (in Rs.) |
Metro & Urban |
Semi Urban |
AMB Requirement -Rs 10,000/- |
AMB Requirement –Rs. 5,000/- |
>=7,500 to < 10,000 |
Rs. 150/- |
NA |
>=5,000 to < 7,500 |
Rs. 300/- |
NA |
>=2,500 to < 5,000 |
Rs. 450/- |
Rs. 150/- |
0 to < 2,500 |
Rs. 600/- |
Rs. 300/- |
AMB – Average Monthly Balance
AQB Slabs (in Rs.) |
Balance Non-Maintenance Charges* (per quarter) - Rural Branches |
>= 1000 < 2,500 |
Rs. 270/- |
0 - <1000 |
Rs. 450/- |
AQB – Average Quarterly Balance |
Cheque book |
(w.e.f 1st Aug'21)Free - 25 cheque leaves p.a. Additional. chequebook of 25 leaves @ Rs 100/- (Rs.75 for senior citizen) |
Managers cheques/demand drafts- Issuance/re-issuance - At HDFC Bank locations |
DD/MC Issuance Charges Through Branch |
Upto Rs. 10,000 - Rs. 50/- |
Above Rs.10,000 - Rs.5 per 1000 on entire amount (min Rs.75/- & max Rs.10,000) |
For Senior Citizens ( w.e.f 1st Mar'21 ) |
Upto Rs. 10,000 – Rs. 45/- |
Above Rs. 10,000 - Rs.5/- per 1000 or part thereof (min Rs 50/- & max Rs. 10,000) |
DD request through Netbanking |
Upto Rs. 10 Lakhs |
Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014) |
Third party DD* uptoRs. 1 Lakhs |
Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014) |
*Third Party Registration required (customers registered for third party transfers have a maximum limit of 10 lakh per customer id and hence can issue multiple DDs of 1 lakh up to 10 lakh and send it to the beneficiary address). |
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Number of Cash transactions (Cumulative of Deposit and Withdrawal by Self / Third party) - Any branch (With effect from 01st April, 2020) |
4 free cash transactions / month, thereafter Rs 150/- per transactions |
Value of Cash transactions (Cumulative of Deposit and Withdrawal by Self / Third Party) - Any branch |
<= Rs. 2,00,000/ per month - No charge > Rs.2,00,000, Above free limit - Rs. 5 per thousand or part thereof, subject to a minimum of Rs. 150/- plus applicable taxes * Third party Cash transactions - Maximum allowed limit per day is Rs. 25,000 |
Cash Handling charges |
Withdrawn effective 01st March, 2017 |
PhoneBanking - Non IVR |
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ATM card |
Free |
ATM card - Replacement charges |
Rs. 200 (w.e.f 1st Dec'14) |
Debit Card Charges
All fees will attract taxes as applicable |
Debit Card Variant |
Issuance Fee |
Annual/Renewal Fee |
Replacement Charges |
Regular Card |
Rs. 150 |
Rs. 150 |
Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16) |
MoneyBack |
Rs. 200 |
Rs. 200 |
EasyShop Women's Advantage |
Rs. 200 (w.e.f 1st Mar'18) |
Rs. 200 (w.e.f 1st Mar'18) |
EasyShop Titanium |
Rs. 250 |
Rs. 250 |
EasyShop Titanium Royale |
Rs. 400 |
Rs. 400 |
Rewards Card |
Rs. 500 |
Rs. 500 |
EasyShop Platinum |
Rs. 750 |
Rs. 750 |
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ATM / Debit Card Card - Transaction Charge (Effective 1st Sep'19) |
HDFC BANK ATMs |
Other Bank ATMs |
Financial Transactions - First 5 free per month across all Cities Non Financial Transactions - No charge |
(a) In Top 6 cities** : First 3 Transactions free per month (Financial + Non Financial) (b) Non Top 6 cities : First 5 Transactions free per month (Financial + Non Financial) |
**Top 6 Cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs Transactions over and above free limit will be charges as under:
- Cash withdrawal - Rs. 20 plus taxes per transaction
Rs 21/- plus taxes per transaction(w.e.f 1st Jan'22)
- Non-Financial Transaction - Rs. 8.5 plus taxes per transaction at Non HDFC Bank ATMs
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InstaPay |
ZERO TRANSACTION CHARGES |
IMPS (Immediate Payment Service) - Inward |
NIL |