Regular Savings 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
  • The PhoneBanking charges will apply on transaction that are available on the IVR but are done through the PhoneBanking Executive
  • All fees and charges are exclusive of taxes. The charges mentioned in the tariff will attract Goods & Services Tax as applicable

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/-,


Semi-Urban Branches: AMB Rs.5,000/- ,
Rural Branches: AQB Rs.2,500/- or Fixed Deposit of Rs. 10,000 for minimum 1 year 1 day period

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

Free - 25 cheque leaves per financial year
Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook.

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).

Unarranged overdraft

Rs. 100 per occasion + 18% interest pa

Number of Cash transactions(Cumulative of Deposit and Withdrawal) (Self or Third Party)

4 free cash transactions per month,

5th transaction onwards - Rs.150/- per transaction

Value of Cash transactions (Cumulative of Deposit and Withdrawal by Self / Third Party) - Any branch

Rs 2.5 lakh ---Free per month per account (at any branch)
Above 2.5 lakh free limit---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/-

Third party Cash transactions - Maximum allowed limit per day is Rs. 25,000

Cash Handling charges

Withdrawn effective 01st March, 2017

PhoneBanking - Non IVR

Free

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)

Rupay Premium

Rs. 200 (w.e.f 1st Mar'18)

Rs. 200 (w.e.f 1st Mar'18)

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)

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

InstaPay

ZERO TRANSACTION CHARGES

InstaAlert

Rs.15 per quarter, effective 1st April 2013
Customers who have selected only"Email" as the delivery channel for receiving InstaAlerts will not be charged

IMPS (Immediate Payment Service) - Inward

NIL

ECS / ACH (Debit) Return Charges

Rs 500/- + taxes per instance.


For Other fees & charges, Please Click here.

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