Small Savings Account

Meet all your banking needs the easy way with this basic savings account which comes with a free Rupay debit card!

Fees and 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

Enclosed below are HDFC Bank BSBDA Small Account fees and 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

Enclosed below are HDFC Bank BSBDA Small Account fees and charges

Description of Charges

BSBDA Small Account (Effective 1st Aug'19)

Minimum Average Balance Requirements

NIL

Charges applicable on non-maintenance

NA

Cheque book

(w.e.f 1st Aug'21) Free - 25 cheque leaves p.a. 
Addl. chequebook of 25 leaves @ Rs 100/- (Rs.75 for senior citizen)

Issue of duplicate/adhoc statements

  • Soft Copy -

    • Current and previous year statement through NetBanking - No charge

    • eStatement on registered E-mail ID - No charge

  • Physical copy -

    • Branch - Rs 100/-

    • PhoneBanking (Non IVR) - Rs.75/-

    • PhoneBanking (IVR), NetBanking, MobileBanking, & ATM - Rs.50/-

    For Senior Citizen

    • Branch - Rs.50/-

    • PhoneBanking (Non IVR) - Rs.50/-

    • PhoneBanking (IVR), NetBanking, MobileBanking, & ATM - Rs.30/- (w.e.f. 1st July'13)

Passbook issuance*

Free

Duplicate passbook issuance*

Rs 100/-

Managers cheque/demand drafts - Cancellation/revalidation

Rs. 60
( Nil charges for Managers cheque/demand drafts - Cancellation/revalidation up to Rs.1000/-)( w.e.f 1st Aug'21 )
For Senior Citizens( w.e.f 1st Aug'21 )
Rs. 54 (Nil charges for Mangers cheque/demand drafts- Cancellation / revalidation up to Rs.1000/-)      

Cheque collection - Local clearing zone

Free

Collection of outstation cheques - our bank locations

Charges for cheques drawn on Branch locations

Regular Savings Account

Upto Rs 5,000

Rs. 25/-, 
Rs. 20/- for rural branches/senior citizens account

Rs. 5,001/- to Rs. 10,000/-

Rs. 50/-, 
Rs. 40/- for rural branches / senior citizens account

Rs. 10,001/- to Rs. 1,00,000/-

Rs. 100/-

Rs. 1,00,001/- and above

Rs. 150/-

Cheques drawn on Speed Clearing Branches - at non CTS locations

Regular Savings Account

Upto Rs. 1,00,000

No charges

Rs. 1,00,001 and above

Rs. 140 /- per instrument

Cheques drawn on Speed Clearing Branches - at CTS locations

No charge
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges

Collection of outstation cheques - Other locations

Charges for cheques drawn on Non-Branch locations

Regular Savings Account

Upto Rs 5,000

Rs. 25/-, 
Rs. 20/- for rural branches/senior citizens account

Rs. 5,001/- to Rs. 10,000/-

Rs. 50/-, 
Rs. 40/- for rural branches / senior citizens account

Rs. 10,001/- to Rs. 1,00,000/-

Rs. 100/-

Rs. 1,00,001/- and above

Rs. 150/-

Cheques drawn on Speed Clearing Branches - at non CTS locations

Regular Savings Account

Upto Rs. 1,00,000

No charges

Rs. 1,00,001 and above

Rs. 140 /- per instrument

Cheques drawn on Speed Clearing Branches - at CTS locations

No charge
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges

Cheque return charges drawn on us – Local

(w.e.f 1st Aug'21)Due to insufficient funds 
Return in a month
1st - Rs.450 (Sr Citizen - Rs 400)
2nd r- Rs.500 (Sr Citizen - Rs 450)
3rd onwards - Rs.550 (Sr Citizen - Rs 500)

Due to funds transfer cheque return 
Rs. 350/- (Sr Citizen - Rs 315)

Due to technical reasons 
Rs. 50/- (Sr Citizen - Rs 45) 
(e.g. - Date not mentioned, post-dated, sign mismatch, etc.)

Cheques deposited - Returned Unpaid (Effective 1st Dec'17)

Rs.200/- per instance

Balance enquiry - At branch

Free

Balance certificate

Current year - Free; previous year - Rs. 100 ( w.e.f 1st Aug'21 )

For Senior Citizens( w.e.f 1st Aug'21 )
Current year - Free; Previous year - Rs. 90

Interest certificate

Rs. 50 per instance (w.e.f Aug 01, 2021 -Rs.100 per instance, Senior citizen - Rs.90 per instance

TDS certificate

Free

Account Closure (from account opening date)

Upto 14 days - Nil
15 days upto 12 months - Rs 500/- ( Rs 300/- for Senior Citizens)
Beyond 12 months - Nil
( w.e.f 1st July'13 )

Photo attestation

Rs 100/- per instance ( Nil for Senior Citizens )
( w.e.f 1st July'13 )

Address confirmation

Rs.100 per instance, Senior citizen - Rs.90 per instance ( w.e.f 1st Aug'21 ) 

Stop payment ( request from customer not to honour cheque issued ) charges

Particular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)

Standing Instructions

Rs. 25/- per transaction plus remittance charge ( w.e.f 1st July'13 )

Unarranged overdraft

Rs. 100 per occasion + 18% interest pa

Old records/copy of paid cheques

Upto 1 year - Rs. 50 per record; above 1 year - Rs. 100 per record ( w.e.f 1st Aug'21 - Rs.80 per record, Senior citizen - Rs.72 per record)

Activation of dormant account

No charges

Local cheque deposited for outstation accounts

No charge

PhoneBanking – IVR / Non IVR

Free

ATM / Rupay Debit card

Free

ATM card - Replacement charges

Rs. 200  (w.e.f 1st Dec'14)

Debit Card - Transaction charge - non HDFC Bank international ATMs

Rs. 20 

The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction

Debit Card PIN regeneration charge

Rs. 50

Decline charge for insufficient balance

Transactions declined at other bank ATMs anywhere in the world or at a merchant outlet outside India due to insufficient funds will be charged at Rs.25 per transaction

BillPay

This service is free w.e.f 1st August'2011

InstaPay

Rs. 10 per transaction

Visa Money Transfer

Rs. 5 per transaction

NEFT Charges – Inward

Free

RTGS - Inward

Free

IMPS (Immediate Payment Service) – Inward

Free

MobileBanking

Free

NetBanking

Free

ECS / ACH (Debit) Return Charges

Return in a month
1st - Rs.450 (Sr Citizen - Rs 400)
2nd r- Rs.500 (Sr Citizen - Rs 450)
3rd onwards - Rs.550 (Sr Citizen - Rs 500)

Any deliverable returned by courier due to negative reasons (no such consignee/consignee shifted and no such address)

Rs 50/- per instance

TIN regeneration (requests received at the branch for a physical dispatch)

Rs 50/- per instance ( w.e.f 1st Aug'21 - Rs.40 per instance, Senior citizen - Rs.36 per instance )

IPIN regeneration (requests received at the branch for a physical dispatch)

Rs 100/- per instance ( w.e.f 1st Aug'21 - Rs.40 per instance, Senior citizen - Rs.36 per instance )

Standing Instruction rejects

Rs 200/- per instance

One time Mandate Authorisation Charges per mandate (Physical / Online)

Rs 100/- ( w.e.f 1st Aug'21 - Rs.40, Senior citizen - Rs.36 )


All type of withdrawals & deposits

Unlimited Deposits are free
Maximum 4 free withdrawals per month through any mode (including Cash withdrawal @ Branch / ATM, NEFT, RTGS, IMPS, Clearing, DD/MC issuance etc.)

5th withdrawal onwards, the charge will be applicable as per nature & mode of that particular withdrawal as mentioned below.


Cash withdrawals at Home / Non Home Branch ( self / third party)

5th transaction onwards - Rs.150/- per transaction (plus taxes)

Third Party Cash transactions upper limit is Rs.25,000/- per day
Above Rs.25,000 – Not allowed

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)

Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at PhoneBanking

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).

Demand drafts issued - At non HDFC Bank locations

Rs. 50 plus charges as outlined below:

Upto Rs. 500

Rs. 10

Above Rs. 500 to Rs. 1000

Rs. 15

Above Rs. 1000 to Rs. 5000

Rs. 25

Above Rs. 5000 to Rs. 10,000

Rs. 30

Above Rs. 10000

Rs. 5 per 1000 or part thereof (min Rs 75/- to max Rs 10,000/-)

ATM / Debit Card - Transaction Charge

  • Cash withdrawal - Rs. 20 plus taxes per transaction

  • Non-Financial Transaction - Rs. 8.5 plus taxes per transaction at only Non HDFC Bank ATMs

NEFT charges - outward (Branch)

Amounts up to Rs. 1 lac - Rs.2 per transaction
Amounts above Rs.1 lac - Rs.10 per transaction

NEFT Charges for Indo-Nepal transactions

Customers having NSBL*A/c - Rs 20/-
Customers having non-NSBL* A/c:
Upto Rs 5,000 - Rs 70/-
Above Rs 5,000 - Rs 95/-
* Nepal State Bank Ltd

RTGS - Outward (Branch)

Rs. 2 Lac & above - Rs. 15 per transaction

Signature Attestation

Rs.100, Senior citizen - Rs.90

SI set on Net Banking

Discontinued

Branch transactions

Discontinued

InstaAlerts

Click here to know more

Cardless Cash Withdrawal

Rs. 25 plus taxes per transaction
APPLY NOW