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NRO Current Account Documentation
The perfect account to park your India earnings
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Fees and Charges
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NRE & NRO Savings/Current Account
| ACCOUNT MAINTENANCE CHARGES | |||||||||||||||||||
| Minimum Balance - Average Monthly Balance (AMB) Requirement |
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| Charges applicable on Non-Maintenance of AMB for NRE/NRO Savings Account (Average Monthly Balance) | Revised AMB Structure effective 1st April, 2015
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| Charges applicable on Non-Maintenance of AMB for NRE/NRO Current Account (Average Monthly Balance) |
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| Activation of dormant account | No charge | ||||||||||||||||||
| MC/DD/ CHEQUE RELATED CHARGES | |||||||||||||||||||
| Cheque book |
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| PAP cheque book usage charges | No charge | ||||||||||||||||||
| Managers Cheques / Demand Drafts- Issuance / re-issuance - At HDFC Bank locations |
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| Demand drafts issued - At non HDFC Bank locations |
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| Managers cheque/demand drafts - Cancellation/revalidation | Rs 100/- (NIL charges for Cancellation / revalidation up to Rs 1000/-) | ||||||||||||||||||
| Local cheque deposited for outstation accounts | No charge | ||||||||||||||||||
| Cheque collection - Local clearing zone | No charge | ||||||||||||||||||
| Outstation cheque collection - our bank locations / Other locations |
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| Cheque return charges drawn on us - Local |
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| Cheques deposited returned unpaid | Charge of Rs 100 per instance | ||||||||||||||||||
| Stop payment charges (request from customer not to honor cheque issued) at Branches |
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| ATM / DEBIT CARD RELATED CHARGES | |||||||||||||||||||
| ATM card | No Charge | ||||||||||||||||||
| ATM card - Replacement charges | Replacement of a lost card - Rs 200 (plus taxes) | ||||||||||||||||||
| ATM card - Transaction charge - non HDFC Bank domestic ATMs | No Charge (effective 1st Dec 2014) | ||||||||||||||||||
| International Debit card - Business Debit card (Instant & Non instant NRE Current Account) |
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| Domestic Debit card- Rupay NRO Debit card (Instant & Non instant NRO Current Account) |
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| Debit Card - Annual Fee - Platinum | Rs 750 per year (plus taxes) (w.e.f. 1st June'15) | ||||||||||||||||||
| Debit Card - Replacement charges | Replacement/Reissuance Charges for Debit Cards - Rs. 200 plus applicable taxes | ||||||||||||||||||
| Add-on debit card - Regular |
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| Debit Card - Transaction charge - HDFC Bank ATMs | No Charge | ||||||||||||||||||
| Debit Card - Transaction charge - non HDFC Bank domestic ATMs | First 5 Transactions Free across all Cities Transactions over and above free limit will be charged as under:
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| Debit Card - Transaction charge - non HDFC Bank international ATMs |
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| 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) | ||||||||||||||||||
| PIN regeneration charge | Rs 50 (plus taxes) | ||||||||||||||||||
| Number of Cash transactions at Branch (Cumulative of Deposit and Withdrawal) | 4 free cash transactions per month (Including both Self and Third Party) | ||||||||||||||||||
| Value of Cash transactions at Branch (Cumulative of Deposit and Withdrawal) | Any HDFC Bank Branch
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| Third party Cash transaction at Branch (Cumulative of Deposit and Withdrawal) | Upto a limit of Rs.25,000/- per day. Above Rs.25,000/- not allowed | ||||||||||||||||||
| Any deliverable returned by courier due to negative reasons (no such consignee/consignee shifted and no such address) | Rs 50/- per instance plus applicable taxes (W.e.f 1st Nov'17) | ||||||||||||||||||
| SERVICE REQUESTS CHARGES | |||||||||||||||||||
| Chequebook Return due to negative reason (no such consignee / consignee shifted & no such address) | Rs 50/- | ||||||||||||||||||
| Phonebanking | No Charge | ||||||||||||||||||
| MobileBanking | No Charge | ||||||||||||||||||
| Netbanking | No Charge | ||||||||||||||||||
| BillPay | No Charge | ||||||||||||||||||
| Balance enquiry - At branch | No Charge | ||||||||||||||||||
| Insta Alert | Rs.15 per quarter, plus applicable taxes (W.e.f 1st Nov'17) Customers who have selected only "Email" as the delivery channel for receiving Insta Alerts will not be charged | ||||||||||||||||||
| Balance certificate | Current year - No Charge (previous year - Rs 50) | ||||||||||||||||||
| Interest certificate | Rs 50 | ||||||||||||||||||
| TDS certificate | No Charge | ||||||||||||||||||
| Account closure |
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| Issue of duplicate/adhoc statements | |||||||||||||||||||
| Hold statement | Rs 400 per year | ||||||||||||||||||
| Passbook issuance* | No Charge | ||||||||||||||||||
| Duplicate passbook issuance* | Rs 100 | ||||||||||||||||||
| Photo attestation | Rs 100 per instance | ||||||||||||||||||
| Address confirmation | Rs 50 per instance | ||||||||||||||||||
| Standing instructions | Rs 25 per transaction plus remittance charge | ||||||||||||||||||
| Standing Instruction rejects | Rs 200 per instance | ||||||||||||||||||
| Unarranged overdraft | Rs 100 per occasion + 18% interest pa | ||||||||||||||||||
| Old records/copy of paid cheques |
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| InstaPay | Rs 10 (plus taxes) per transaction | ||||||||||||||||||
| Visa Money Transfer | Rs 5 (plus taxes) per transaction | ||||||||||||||||||
| NEFT Charges - Inward | No Charge | ||||||||||||||||||
| NEFT charges - outward (online mode) |
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| NEFT charges - outward (Branch) |
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| NEFT Charges for Indo-Nepal transactions | Customers having NSBL*A/c - Rs 20 Customers having non-NSBL* A/c:
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| RTGS - Inward | No Charge | ||||||||||||||||||
| RTGS charges - Outward (online mode) |
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| RTGS charges - outward (Branch) |
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| IMPS - Inward (Immediate Payment Service) | No Charge | ||||||||||||||||||
| IMPS - Outward (Immediate Payment Service) (effective 15th May-15) |
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| UPI | Click here to know more | ||||||||||||||||||
| ECS (Debit) Return Charges | Rs 500/- + taxes per instance. | ||||||||||||||||||
| TIN/IPIN re-generation (requests received at the branch for physical dispatch) | Rs 50 per instance (TIN) Rs 100 per instance (IPIN) | ||||||||||||||||||
Click here to refer Fees & Charges on Foreign Currency Transactions
Note:
1. Service/Transaction charges will be applied in the current month based on the AMB maintained in the account in the previous month.
2. Service/Transaction charges based on non - maintenance of AMB (as specified above) do not apply to Imperia, Preferred, Classic Programs & Corporate Salary and SuperSaver Accounts
3. The PhoneBanking charges will apply on transaction that are available on the IVR but are done through the PhoneBanking Executive
4. All fees and charges, mentioned in the FEES & CHARGES SCHEDULE will attract GST @18% effective 01 July 2017.
5. Above mentioned fees & charges are subject to change time to time. The bank reserves the right to make changes in the fees & services schedule.
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Terms & Conditions
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| 1 | I understand that as per extant Reserve Bank of India guidelines, opening of any current account requires declaration of existing credit facilities with any of the Bank's branches or any other bank. I shall declare details of any such Credit facilities enjoyed with any Bank in the Account Opening Form, as per the required format therein. I undertake to obtain the requisite No Objection Certificate/s from such Bank/s and hand it/them over to you before the account gets opened. |
| 2 | I agree to repay to the Bank on demand, unconditionally, the amounts of overdrafts that the Bank may grant to me from time to time, together with interest accrued thereon. I agree that this does not imply that the Bank is bound to grant me any credit facility whatsoever. |
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