Charges for cheques Regular Savings Rural Branch / Institutional MISCELLANEOUS CHARGES OTHER SERVICES SERVICE CHARGES &

OTHER SERVICES SERVICE CHARGES & FEES FOR SAVING ACCOUNTS

drawn on Non-Branch Account / GIGA Senior Citizens Savings & FIXED DEPOSITS UPDATED ON SEPTEMBER 2024
locations Savings Account Account Account ACCOUNT SERVICES (AT BRANCHES) Services Charges
Particular Cheque (through Branch) - ` 100/- We understand the need to offer you comprehensive services. Thus, we bring a
Upto ` 5,000/- ` 25/- ` 20/- ` 25/- Services Charges Range of Cheque (through Branch) - ` 200/- host of services complimentary for Savings Account Customers.
` 5,001/- to ` 10,000/- ` 50/- ` 40/- ` 25/- Balance Enquiry Free Through NetBanking - Free (Rate applicable to individual Savings Account customers; not applicable to
Certificate of Balance Free w.e.f. 1st Aug’22 For Senior Citizens, w.e.f. 1st Mar’21 Current Account customers).
` 10,001/- to ` 1,00,000/- ` 100/- ` 100/- ` 100/- Stop Payment Instructions
Interest Certificate Free w.e.f. 1st Aug’22 All service charges are waived for senior citizens above 80 years of age
Particular Cheque (through Branch) - ` 90/-
` 1,00,001/- and above ` 150/- ` 150/- ` 150/- starting from 1st April 2022.
TDS Certificate Free Range of Cheque (through Branch) - ` 180/- From Effective 1st September 2022, all the Insta Limited KYC accounts will
Charges on FD receipts / Govt Challans / Treasury Bills-Challans / Refund Orders Unarranged Overdraft
` 100/- per occasion + 18% interest p.a. Through NetBanking - Free be charged as per the Regular Savings accounts charge structure.
/ Vouchers Instruments (not in Cheque form) deposited for collection would be (Subject to approval)
Bill Pay Free For Speciale Senior Citizen Accounts all the Service charges are “FREE”, only
levied as per correspondent Bank Charges, w.e.f. 1st December 2014. Activation of Dormant Account No charges Penal charges applicable.
Effective date to 1st Jan’2022, customer registered
Address Confirmation Free w.e.f. 1st Aug’22
LOCAL CHEQUES DEPOSITED FOR ` 100/-
for InstaAlert service with ‘SMS’ as the alert SAVINGS ACCOUNT
Photograph Verification delivery channel, would be charged as follows
Insta Alert
OUTSTATION ACCOUNTS For Senior Citizen Nil charges Salary/Savings Account: 20 Paise / SMS + GST. ACCOUNT BALANCE REQUIREMENTS
1st return: `200 per instance Free for SB Max Speciale and Senior Citizen MODE OF CALCULATION OF AVERAGE
Cheque deposited into your account in a City other than the City, in which your Account Holder
(`180 for Senior citizen) MONTHLY / QUARTERLY / HALF YEARLY BALANCE
account is located - No charges.
Standing Instruction 2nd return onward - `250 per instance Average of daily closing balance each day spread over a month/quarter/
PAYABLE AT PAR CHEQUES (`225 for Senior citizen) ISSUE OF DUPLICATE / ADHOC STATEMENT half year. All Savings accounts, excluding those opened digitally/online, to
(w.e.f. 1st Nov’24) Soft Copy - be opened with an initial amount equivalent to the balance requirement.
No charges on payable at par cheque/s issued on a City outside your
Upto 14 days - No charges • Last 5 years statement through NetBanking - No charge AMB / AQB Requirement Non-Maintenance
account City. Issue of Product
• eStatement on registered E-mail ID - No charge basis Branch location charges
15 days upto 1 year - ` 500/- duplicate Regular Savings AMB for Metro & Urban AMB Requirement
•
Account closure Physical Copy -
(For Senior Citizen ` 300/-) / adhoc
OLD RECORDS / COPY OF PAID CHEQUES statements
• `100 (Senior citizen - `50) Account - ` 10,000/- or FD of ` 1 Lac for minimum
1 year 1 day period
Above 1 year - No charges (Branch / Phone Banking (Non IVR) / Phone Banking (IVR) / • Semi Urban - ` 5,000/- or FD of ` 50,000 for
` 80, Senior Citizen - ` 72/-. ` 100/- Senior Citizen- ` 90/- Net Banking / Mobile Banking / ATM) (w.e.f. 1st Nov’24) minimum 1 year 1 day period
Signature Attestation
w.e.f. 1st Aug’21 • AQB for Rural - ` 2,500/- or FD of
` 25,000/- for minimum 1 year 1 day period
ECS / ACH Return Charges PASSBOOK RELATED CHARGES Digisave Youth
DELIVERABLE RELATED CHARGES Account
AMB for Metro & Urban - ` 5,000/-
Semi Urban & Rural - ` 2,500/-
Return in a month (effective 1st Aug’21) Passbook Related Charges
Women’s Account / AMB for Metro / Urban - ` 10,000/-
Deliverables Charges Services Charges Savings Mini Semi-Urban / Rural - ` 5,000/-
1st - ` 450/- (Sr. Citizen - ` 400/-) 6% of the shortfall
Passbook Senior Citizens AMB for Metro / Urban / Semi Urban / Rural -
2nd - ` 500/- (Sr. Citizen - ` 450/-) For SB Farmers / Kids Advantage / Digisave Account / Kids ` 5,000/-
from the average
Youth Account Passbook Issuance Free balance requirement
Advantage Account
3rd onwards - ` 550/- (Sr. Citizen ` 500/-)
First chequebook of 5 Leaves - Free ` 100/- Savings Max AMB for Metro / Urban / Semi Urban/ Rural -
Duplicate Passbook Issuance Account ` 25,000/- OR
OR
(` 90/- for Senior Citizens, w.e.f. 1st Mar’21)
Cheque Return Charges Drawn on us Subsequent chequebook - ` 4/- per cheque leaf
Note :
FD Relationship of
- ` 1.50 lac in Metro/ Urban location
` 600 whichever is
Defence Salary / Speciale Gold / Speciale - ` 1 lac in Semi Urban / Rural location
lower.
Due to Insufficient Funds (effective 1st Aug’21) Platinum Accounts 1. Service / Transaction Charges for non-maintenance of AMB (as specified
Speciale Platinum AQB for Metro / Urban / Semi Urban/ Rural -
Return in a month above) do not apply to Preferred, Corporate Salary, Classic, Imperia & ` 3,00,000/- OR
1st - ` 450/- (Sr. Citizen - ` 400/-) Unlimited Personalised chequebook
SuperSaver Customers. FD relationship of ` 8 Lacs
2nd - ` 500/- (Sr. Citizen - ` 450/-) Savings Mini Account Speciale Activ Zero Balance basis Standing Instructions/ACH of
2. HDFC Bank reserves the right to revise fees and charges at its own discretion
3rd onwards - ` 550/- (Sr. Citizen ` 500/-) Chequebook Home Loan EMI
AMB Slab < 50,000 >= 50,000 with prior communication to customer. For updated information please refer Speciale Gold / AQB for Metro / Urban / Semi Urban/ Rural -
www.hdfcbank.com Speciale Senior ` 1,00,000/- OR
Due to Funds Transfer Cheque Return (effective 1st Aug’21) No. of Leaves
25 50 Citizen / Super Kids FD relationship of ` 4 Lacs
` 350/- (Sr. Citizen - ` 315/-) Free / Month 3. All Fees & Charges mentioned above will attract GST as applicable from
Family Savings ` 40,000/- AMB
time to time. The same will appear as separate debits in the statement.
Group
For Other Saving Variants Savings (Incl. For Non-Resident Current & Savings Account Fees & Charges Schedule, refer
Due to Technical Reasons (effective 1st Aug’21) BSBDA) Account (Effective date to 1st Aug’21)
Saving Farmers AHB for Semi Urban/ Rural - ` 2,500/- 6% of the shortfall
` 50/- (Sr. Citizen - ` 45/-) the link : www.hdfcbank.com/nrifees or approach any of our Bank branch in Account (Metro/Urban as applicable) from the average
25 Leaves Yearly - Free India Overseas for the copy of the same. You may locate the branches form balance requirement
(e.g. - Date not mentioned, post-dated, sign mismatch) OR ` 150/-
Additional chequebook of 25 Leaves - ` 100/- www.hdfcbank.com/nri. whichever is lower.
per chequebook (` 75/- for Senior Citizen) w.e.f.
CHEQUE DEPOSITED RETURNED UNPAID 1st Aug’21 PHONEBANKING NUMBER BSBDA / Institutional Savings / Govt. Scheme Beneficiary accounts are Zero Balance a/cs.

1800 1600 / 1800 2600 Average Quarterly Balance

• Local / Outstation ` 200/- (Effective 1st Dec’17) TIN Regeneration Free w.e.f. 1st Aug’22 Product (AQB) requirement based on Non-Maintenance charges
` 80/- for Senior Citizen Account Customers travelling abroad can reach us on +9122-61606160 your branch location
` 40/-, Senior Citizen - ` 36/- per instance GIGA Metro / Urban : ` 10,000/- 6% of the shortfall from the average balance
IPIN Regeneration

NE-27.09.2024
One Time Mandate Authorisation Charge (Effective 1st Aug’21) (physical dispatch) Savings Semi Urban / Rural : ` 5,000/- requirement OR
Description of Charges Charge Rate Account ` 600/- whichever is lower. (Metro / Urban)
Return due to negative ` 300/- whichever is lower for (Semi Urban / Rural)
One time Mandate Authorisation ` 40/-, Senior Citizen - ` 36/- reason (no such consignee *Please visit GIGA website (https://v.hdfcbank.com/giga/index.html) to know more about
Charges per Mandate (Physical) ` 50/- per instance
/ consignee shifted & no NMC waiver conditions.
such address
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 Other Charges:
LOCKERS CASH TRANSACTION CHARGES MANAGERS CHEQUES/DEMAND DRAFTS CHARGES -
• Transaction declined at the other Bank ATMs anywhere in the world or at
Lockers are available at select branches, in various sizes. Please enquire at the
a merchant outlet outside India due to insufficient funds will be charged at
For Savings Account (Except BSBDA / Mini / Speciale variants) Issuance / Re-Issuance - On HDFC Bank Locations
nearest branch for the available sizes and fees.
`25/- per transaction plus applicable taxes. Type Savings Account
FIXED DEPOSITS DD request through Branch
Minimum deposit ` 5,000/- Particulars Balance Enquiry Cash Withdrawal Regular Savings Savings and Salary Account Amount Slab Charges
Savings
(For simple or re-investment deposits) / GIGA Savings /
Other Bank - International ` 25/- per transaction ` 125/- per transaction Number Max / Digi Save ` 50/-
All fixed deposits are cluster deposits held in units of ` 1/- Product Type Women’s Savings
ATMs*** of Cash Super Youth 0-10,000 For Senior Citizen, ` 45/-
/ Kid Adv / Senior DD / MC Issuance Charges
SWEEP-IN FACILITY * The Bank will charge cross currency markup of 3.5% on Foreign Currency transactions transactions Citizens
Kids
through Branch
effective date as 1st Mar’21
carried out on Debit Cards except for Infiniti Debit Card where mark-up is 0.99%. (Cumulative ` 5/- per 1000 or part thereof
• The Sweep-in account needs to be opened with an initial amount of ` 5,000/- The exchange rate used will be the Visa / Mastercard wholesale exchange rate prevailing at # Free txns / >10,000
As per the Terms & Conditions of Fixed Deposit Accounts of the Bank, In case of Deposit and 4 5 2 (min. of ` 75/- & max. of ` 10K)
the time of transaction. These changes are w.e.f. 2011. month
of premature closure of Fixed Deposit (including sweep in / partial closure) Withdrawal) * DD request at PhoneBanking accepted upto ` 50,000/- for all customers, ` 1 lac
the interest rate will be 1.00% below the contracted rate or the applicable for Note : Anyone or survivor accounts are eligible for one card per account holder Post Free Limit - ` 150/- per transaction plus applicable taxes for Imperia / Preferred customers.
the period the deposit has remained with the Bank, whichever is lower, except Product HDFC Bank ATM’s Non-HDFC Bank ATM’s would be levied
for the tenor of 7-14 days and FD value >= 25 crores. Note : DD’s free upto a limit of:
(a) In Metro cities**: Self + Third party * (Any Branch)
` 10,000/- per day - Savings Mini
SUPER SAVER FACILITY Savings / Salary First 5 transactions free First 3 transaction free Upto ` 2 lac free per month per account, above free limit
` 25,000/- per day - Savings Plus
Value of Cash ` 5/- per 1000 or part thereof, subject to minimum of ` 150/-
Minimum FD amount ` 25,000/- Accounts across all cities (b) In Non-Metro cities: transactions for Digisave Youth, ` 1.25 lac free per month. ` 50,000/- per account per month - Family Savings Group
With minimum tenor 6 months First 5 transaction free (Cumulative ` 1,00,000/- per day - Savings Max / Speciale Gold / Speciale Activ
This is in addition to a Zero Balance Savings Account. BSBDA / BSBDA Combined limit with Cash withdrawals at branch, for of Deposit and * Third party Cash transaction per day limit at Home & Non- Unlimited - Speciale Platinum
Small Accounts more details refer Cash transaction charges section Withdrawal) Home branch is ` 25,000/-. Above ` 25,000/- not allowed. (For  Above free limit charged at ` 5/- per 1,000/- on entire amount (Max. ` 10,000/-)
5 YEAR TAX SAVING FIXED DEPOSIT Unlimited free transactions
senior citizen & kids, while the limit of ` 25,000/- per day will
Savings Max Accounts 15 be applicable, the Nil charges will be applicable. DD request through NetBanking
Minimum deposit ` 100/- & in multiples of 100/- across all cities
Maximum deposit ` 1,50,000/- p.a. Unlimited free transactions
For BSBDA Accounts Upto ` 10 lacs ` 50/- + (Corr. Bank Charges if applicable)
5 years (Partial / Premature Speciale Accounts 30
Lock-in period across all cities Deposits - Unlimited Free.
withdrawal not allowed) * Third Party DD upto ` 10 lacs ` 50/- + (Corr. Bank Charges if applicable)
Super Kids Unlimited free transactions across all cities Withdrawals - Maximum 4 free withdrawals / month through any mode (like,
Exemption under Sec.80C of the Income Tax Act subject to necessary declarations
(a) In Metro cities: Cash withdrawal & Branch / ATM, NEFT, RTGS, IMPS, Clearing, Standing * Third party registration required. Customers Registered for Third party transfers
given by the customer. Sweep-in not allowed. No OD / pledge allowed. Unlimited free First 3 transaction free Instruction, DD issuance, ECS, etc.). have a maximum limit of ` 10 lacs per customer ID per day.
DEBIT / ATM CARDS Saving Mini Account transactions across all
(b) In Non-Metro cities: 5th withdrawals onwards, the charges will be applicable as per nature & mode
cities
of that particular withdrawal.
First 5 transaction free DRAFT CHARGES
Woman's Advantage
Rewards / Millennia

GIGA Business

Note :
Times Points

For Speciale Senior Citizen (Drawn on Non-branch locations)

MoneyBack
Platinum

1. For transactions done on other Bank ATMs, Maximum of 5 transactions free in a month
Business

RuPay /
Infiniti

Debit Card
ATM

with a cap of maximum 3 free transactions in Metro cities. Transaction and Service charges are free for all customers. For Senior Citizen, ` 45/-
** Metro cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru, ` 50/- Plus Charges as below:
Penal charges applicable in line with normal savings account. effective 1st Mar’21
and Hyderabad ATMs
2. For Salary Account - For charges/offer details, please check with your respective Upto ` 500/- ` 10/-
Corporate. For Savings Mini Account
Annual fee per Card (`) 0 2500 850# 500 650 350# 250 200 300#
3. Post Free Transactions as per the above grid for Savings & Salary Accounts, following Type Charge Structure
Replacement of Damaged/ charges will be applicable: Above ` 500/- to ` 1,000/- ` 15/-
200 200 200 200 200 200 200 200 200 Number of Cash Unlimited no. of Cash Deposit and Withdrawal at any
Lost Card (`) (a) Cash withdrawal: ₹ 21/- per transactions exclusive of Taxes
(b) N
 on-Financial Transactions: ₹ 8.50/- per transaction exclusive of Taxes at Non-HDFC transactions branch Above ` 1,000/- to ` 5,000/- ` 25/-
Additional Debit/
0 2500 850# 500 650 350# 250 200 300# Bank ATMs, Free at HDFC Bank ATMs Value of Cash All Branch Location (Cash Deposit & Withdrawal) - 10
ATM Card (`) 4. For the purpose of computation of domestic ATM transaction charges, the month end cut
transactions Self times of Current month AMB with upper cap of ` 5 lac Above ` 5,000/- to ` 10,000/- ` 30/-
# Revised Fee w.e.f. 1 Aug’ 24
st
* Above charges are excluding taxes. off timing is 7:30 p.m. Transactions done post this cut off time will be considered in the
next month. The transactions will be counted for each calendar month. & Third Party each.
Enable / Modify Usage Limits (Domestic / International): 5. Cardless cash withdrawal - ` 25/- per transaction. (Cash Deposit and Above free limit ` 5/- per thousand or part thereof, Above ` 10,000/- to ` 1 lac ` 3/- per 1,000/- or part thereof
ATM / PoS / Online / Contactless Withdrawal) subject to a minimum of ` 150/- plus applicable taxes.
Visit https://mycards.hdfcbank.com/ >> Login with your registered mobile FUNDS TRANSFER For Speciale Product
Above ` 1 lac ` 6/- per 1,000/- (Max. ` 10,000/-
number and OTP >> Add your Debit Card by entering last 4 digits of your Debit
DD upto ` 49,999 can be issued to non customers against cash at a charges of
Card and DOB >> Enable/Disable/Modify limits for Online, Contactless, ATM,
International & Domestic Payments.
CHARGES FOR VISA MONEY TRANSFER Product Speciale Gold / Speciale ` 100/-.
Charges post free limit
Visa Money Transfer will be charged at ` 5/- per transaction plus applicable taxes. Variant Speciale Activ Platinum
Alternatively, you can manage your card usage and limits via HDFC Bank
Mobile Banking, Net Banking or by calling Toll Free Numbers 1800 1600 /
Online / Digital Transfers (NEFT, RTGS & IMPS) # Free Txns /
5 10
` 5/- per 1000 or part thereof, MANAGERS CHEQUE / DRAFT - CANCELLATION
1800 2600 (from 8 a.m. to 8 p.m.). Customers travelling overseas can reach us Month subject to minimum of ` 150/-
at 022-61606160. For Savings Accounts For Senior Citizen (Effective 1st Mar’21) / REVALIDATION CHARGES
Request through Home and Non-Home Branch:
* Debit Card issued against your NRO Account can only be used for Domestic RTGS Charges Branch
2 lac & above - ` 15/- transaction + taxes 2 lac & above - ` 13.50/- transaction + taxes
Transactions and not for International Transactions. Online Free Free
(Self + Third Party *) - ` 5/- per Individuals ` 45/- (w.e.f. 1st Aug 2022)
Request through Amount <= 1 lac - ` 2/- transaction + taxes Amount <= 1 lac - ` 1.80/- transaction + taxes 1,000 or part thereof, subject to
Prorata Charges: For Senior Citizen ` 40/- (w.e.f. 1st Aug 2022)
NEFT Charges Branch Amount > 1 lac - ` 10/- transaction + taxes Amount > 1 lac - ` 9/- transaction + taxes minimum of ` 150/-
In case of change in account relationship/downgrade of account, the Debit Card Online Free Free
annual charges shall be applicable from the date of change in relationship. The Customer having Value / * Third party Cash transaction
NEFT Charges ` 20/- ` 20/- 5 lac 15 lac
schedule of charges is subject to change from time to time and the customer is (for Indo- Nepal
NSBL * A/c Month per day limit at is ` 25,000/-. CHEQUE RELATED TRANSACTIONS
requested to refer the annual fees chart. The customer further agrees and gives transactions)
Customer having Upto ` 5000/- : ` 70/- Upto ` 5000/- : ` 70/- Above ` 25,000/- not allowed.
its express consent that, in case of a change in account relationship at any point
NonNSBL * A/c Above ` 5000/- : ` 95/-
Amount <1000/- ` 3.50/- transaction + taxes
Above ` 5000/- : ` 95/- (For senior citizen & kids, while the COLLECTION CHARGES
limit of ` 25,000/- per day will be
in time, the Bank reserves the unconditional right to levy appropriate charges as Amount <= 1 lac - ` 5/- transaction + taxes
Amount <= 1 lac - ` 3/- transaction + taxes
IMPS Amount > 1 lac - ` 10/- transaction + taxes applicable the NIL charges will be
applicable for the Debit Card variant on pro rata basis for the period from the date Amount > 1 lac - ` 15/- transaction + taxes
* For Speciale Gold / Platinum-NIL charges applicable) Cheque collection within local clearing zone Free
of change in account relationship till the next billing date, as may be applicable. * For Speciale Gold / Platinum-NIL charges
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