Regular Savings Account Fees & Charges


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Fees & Charges

Note : 

  • Service/Transaction charges will be applied in the current month based on the AMB maintained in the account in the previous month
  • Service/Transaction charges based on non - maintainence of AMB (as specified above) do not apply to Preferred , Corporate Salary & SuperSaver customers
  • All fees and charges are exclusive of taxes. The charges mentioned in the tariff will attract Goods & Services Tax as applicable
  • From Effective 1st July 2022, all the Insta Limited KYC accounts will be charged as per the Regular Savings accounts charge structure.

The HDFC Bank Regular Savings Account Rates & Fees are as follows:

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).
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
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
ATM / Debit Card Card - Transaction Charge (Effective 1st Sep'19)

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


IMPS (Immediate Payment Service) - Inward NIL

For Other fees & charges, Please Click here.