Fees and Charges (2024)

FeaturesE-Comm Current AccountAverage Quarterly Balance (AQB)₹ 25,000Non-Maintenance Charges (per quarter)₹ 1,800CASH TRANSACTIONSCombined Cash Deposit Limit @ any HDFC Bank Branches
- Monthly LimitCombined Limit@ any HDFC Bank Branches
Free up to Higher of ₹ 3 lacs OR 6 times the current month AMB OR 40 transactions whichever is breached first,(subject to maximum ₹ 100 lacs)
Charges @ ₹ 3.5 per ₹ 1,000, minimum ₹ 50 per transaction beyond free limitsCash deposit in low denomination notes i.e. Rs 50 and below @ any HDFC Bank Branch (monthly)1. Cash deposit in notes = Free up to ₹ 10,000/- per month, beyond free limit chargeable at 2% of cash deposit in low denomination notes2. Cash deposit in coins = Free up to ₹ 1,000/- per month, beyond free limit chargeable at 5% of cash deposit in coinsOperational Limit for Cash Deposit @Non-Home Branch (per day)₹ 1,00,000Cash Withdrawal Limit @ Home BranchFreeCash Withdrawal Limit @ Non Home Branch (Daily Limit)₹ 1,00,000 per day
Charges @ ₹ 2 per ₹ 1,000, minimum ₹ 50 per transaction beyond free limitsNON - CASH TRANSACTIONSLocal / Intercity Cheque Collection/Payments & Fund TransferFreeBulk Transactions (count of all Cheque clearing and Fund Transfer transactions) - Monthly Free LimitFree up to 200transactions
Charges @ ₹ 30 per transaction beyond free limitsCheque Leaves - Monthly Free LimitFree up to 300 cheque leaves
Charges @ ₹ 3 per leaf beyond free limitsSpeed Clearing
(per instrument charges)Up to ₹ 1 lac - Free
Above ₹ 1 lac - ₹ 15Outstation Cheque Collection @ Bank Location
(per instrument charges)₹ 20Outstation Cheque Collection @ Correspondent Bank Location
(per instrument charges)Up to ₹ 35,000 - ₹ 50
₹ 35,001 to ₹ 1,00,000 - ₹ 100
Above ₹ 1,00,000 - ₹ 150Outstation cheque collection @ Clean Location
(per instrument charges)Up to ₹ 25,000 - ₹ 50
₹ 25,001 to ₹ 1,00,000 - ₹ 100
Above ₹ 1,00,000 - ₹ 150Demand Drafts (DD)/ Pay Orders (PO) @ Bank LocationFree up to 50 DD/PO each
Charges @ ₹ 25 per instrument beyond free limitsDemand Drafts (DD) @ Correspondent Bank locationCharges @ ₹ 2 per ₹ 1000 ; Minimum ₹ 50ELECTRONIC TRANSACTIONSNEFT paymentsFreeRTGS paymentsFreeIMPS Payments₹0 -₹1000₹3.50 per transaction₹1001 -₹100000₹5 per transaction
Above₹100000₹15 per transactionNEFT / RTGS / IMPS CollectionsFree

DEBIT CARDS(only for Individuals and Sole proprietorships)

Debit CardEasyShop Business#ATM CardAnnual Fee per card₹250FreeDaily ATM limit₹1,00,000₹10,000Daily Merchant Establishment Point of Sale limit₹5,00,000NA# Also available for partnership firms & limited company current accounts. In case, the MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) have to sign the form jointly.
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​​​​​​​*For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.  
For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect. 
ATM UsageATM transactions (@ HDFC Bank ATM)Unlimited FreeATM transactions (@ Non- HDFC Bank ATM)Maximum of 5 transactions free in a month with a cap of Maximum 3 free transactions in Top 6 cities @ Non-HDFC Bank ATM
(transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities)ACCOUNT CLOSURE CHARGESClosure: Up to 14 daysNo ChargeClosure: 15 days to 6 months₹ 1,000Closure: 6 months to 12 months₹ 500Closure: Beyond 12 monthsNo Charge

ACH Return Charges
1 to 3 transactions in a month₹ 350 per transactionFourth instance and beyond₹ 750 per transaction

Other Charges
One time Mandate Authorisation Charges (Physical / Online)₹ 40 per mandate

Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB