HDFC Bank Fees & Charges for Regular Savings Account

Fees & Charges for Regular Savings Account

Description of Charges Regular Savings Account
Minimum Balance (Average Quarterly Balance) Option 1 Rs. 5000 (Urban), Rs. 2500 (Semi-urban)
Option 2 NIL with a Fixed deposit of Rs. 50,000

Charges on non maintenance thereof Option 1 Rs. 750 per qtr (Urban & Semi-urban)
Option 2 In case of non maintenance of Rs. 50,000 Fixed Deposit – Rs. 750 per qtr (Urban & Semi-urban)

Cheque Book Free
Rs. 5 per leaf on non maintenance of Min balance

PAP Cheque book NA
Account Statements – Free Monthly statements to be Collected from branch.
Quarterly statements sent by post
Issue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 50 per statement through Phonebanking (IVR), Netbanking, ATM, Mobilebanking.
Hold Statement Rs. 400 per year
Passbook issuance* Free
Duplicate passbook issuance* Rs 100/-
Managers Cheques/Demand Drafts- Issuance/Re-issuance – On HDFC Bank Locations DD request through Branch
Upto Rs. 10,000 Rs. 50
Rs. 40 (Senior Citizens / Individuals in Rural areas)
Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking)
Rs. 60 (Senior Citizens / Individuals in Rural areas)

**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking
Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)
Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)
DD request through Netbanking
Upto Rs. 1 Lakh Rs. 30
Third party DD* upto Rs. 50,000 Rs. 100
(this limit is applicable per cust id per day)
(*Third Party Registration required)

Managers Cheque/Demand Drafts – Cancellation / Revalidation Rs. 50
Rs. 40 (Senior Citizens / Individuals in Rural areas)
Demand Drafts- Issued – On 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. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof
Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300)

Cheque Collection – Local Clearing Zone Free
Collection of outstation cheques – our bank locations Cheques drawn on metro/non-metro cities (Branch Locations)
Cheque value Rs. 0 to Rs. 500 No Charges
Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)
* Credit on receipt of clear funds

Collection of outstation cheques – other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up – 0.40% (Min Rs. 50)
Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques – 0.65% + Rs. 25 (Min Rs. 50)
* Credit on receipt of clear funds

Cheque return charges drawn on us – Local Due to insufficient funds – Rs. 350
Due to Technical reasons – No charge
Rs. 400 on non-maintenance of Min balance

Cheque return charges drawn on us deposited in other locations Rs. 75
Cheques deposited – outward Rs. 50
Rs. 100 on non maintenance of Min balance

Balance Enquiry – at Branch Free
Balance Certificate Current year – Free, Previous year – Rs. 250
Interest Certificate Rs. 50
TDS Certificate Free
Account Closure Upto 14 days – No charge
15 days upto 6 months – Rs 100/-
Above 6 months – No charge
Photo Attestation Rs. 50
Signature Attestation Rs. 50
Rs. 40 (Senior Citizens / Individuals in Rural areas)
Address Confirmation Rs. 50
Stop Payment Charges Particular Cheque – Rs. 50 (Rs. 40 through Phonebanking), Range of Cheques – Rs. 100 (Rs. 80 through Phonebanking)
Cheque status per instance Rs. 25
Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge
Unarranged overdraft Rs. 100 per occasion + 18% interest pa
Cash Delivery (in select cities) Rs. 50 per delivery subject to max value of Rs. 1 Lakh
Old records/copy of paid cheques Upto 1 year – Rs. 50 per record, Above 1 year – Rs. 100 per record
Activation of dormant account Rs. 100
Branch transactions Free
3 free in the qtr & Rs. 60 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal)

Interbranch transactions through teller counters – Funds Transfer Free
Interbranch transactions through teller counters – Cash transactions Upto Rs. 50,000 – Free, Above Rs. 50,000 – Rs. 2.90 per 1000
Local Cheque deposited for outstation accounts Cheque value Rs. 0 to Rs. 500 No Charge
Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)

Phonebanking – IVR Free
Phonebanking – Non IVR Free
Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive

ATM Card Free
ATM Card – Replacement charges Rs. 100 (plus taxes)
ATM Card – Transaction charge for Partner banks – SBI & Andhra Bank Rs. 10 per balance enquiry & Rs. 20 per cash withdrawal (plus taxes)
ATM Card – Transaction charge for Non-Partner banks NA
Debit Card – Annual Fee – Regular Rs. 100 per year (plus taxes)
Debit Card – Annual Fee – Gold Rs. 500 per year (plus taxes)
Debit Card – Annual Fee – Women’s Card Rs. 150 per year (plus taxes)
Debit Card – Renewal Fee – Regular Rs. 100 per year (plus taxes)
Debit Card – Renewal Fee – Gold Rs. 500 per year (plus taxes)
Debit Card – Renewal Fee – Women’s Card Rs. 150 per year (plus taxes)
Debit Card – Replacement charges Replacement of a damaged card – No charges & Replacement of a lost card – Rs. 100 (plus taxes) (for all card types)
Debit Card – Transaction Charge – HDFC Bank ATMs Free
5 free in the qtr & Rs. 30 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal)

Debit Card – Transaction Charge – Non HDFC Bank Domestic ATMs Rs. 15 per balance enquiry & Rs. 55 per cash withdrawal (plus taxes)
Debit Card – Transaction Charge – Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes)
Debit Card – Transaction Charge – BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry – Not available & Rs. 100 per cash withdrawal (plus taxes)
Debit Card – Transaction Charge – SBI/Andhra Bank ATMs Rs. 10 per balance enquiry & Rs. 20 per cash withdrawal (plus taxes)
PIN regeneration charge Rs. 25 (plus taxes)
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 (plus taxes)
Add-on Debit Card – Regular Rs. 100 per year (plus taxes) – One add-on card free for the first year
Add-on Debit Card – Gold Card Rs. 500 per year (plus taxes)
Add-on Debit Card – Women’s Card Rs. 150 per year (plus taxes)
BillPay Rs. 25 (plus taxes) per qtr per Customer ID
InstaPay Rs. 10 (plus taxes) per transaction
InstaAlert Free
Visa Money Transfer Rs. 20 (plus taxes) per transaction
EFT Charges – Inward NIL
EFT Charges- outward NIL
RTGS – Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, Max Rs. 1000) (plus taxes)
RTGS – Inward NIL
Mobilebanking NIL
Netbanking Free
ECS (Debit) Return Charges Rs 200 (plus taxes)
Passbook issuance(at home branch) Free
Duplicate passbook issuance Rs 100/-

*at home branch for account holders (individuals)

As per the Finance Bill 2007, all fees and charges mentioned above will attract Service Tax @ 12% and Education Cess @ 3% of the service tax amount effective 11th May 2007

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1 comment so far ↓

#1 Monica Sanghi on 09.21.08 at 11:08 pm

i want to know what are HVRET charges?

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