Fees and Charges before 1st January 2016

Current Account with cheque facility

Half-yearly Balance

Rs. 10,000

Non Maintenance Charges

Rs. 1,500 per half year if below Rs. 10,000

Mode of calculation of minimum average quarterly balance

Average of daily closing balances of each day spread over a period of six months(October to March and April to September).

Cheque leaves (Payable At Par) - Free Limit

( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.)

50 leaves per month

Charges beyond free limit

Rs. 2 per cheque leaf

Account Statement

Free (Monthly)⁺

Duplicate/Adhoc Statement

Requests through Direct Banking Channels

Rs.50/- per statement through ATM / Mobile Banking / NetBanking and Phone Banking (IVR)

At branch or PhoneBanking (Non-IVR)

Rs.100/- per statement through Branch; Rs.75/- per statement through PhoneBanking (Non-IVR)

Hold Statement Facility

Rs.400/- per year

Remittance facility through own Bank

Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD

DDs up to Rs. 50,000 charged Rs. 25 per DD, Above Rs 50,000 � Free

Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO

POs up to Rs. 50,000 charged Rs. 25 per PO, Above Rs. 50,000 � Free

DD/PO cancellation

Rs. 50 per instrument

NEFT/EFT transactions

Payments (At branch/NetBanking)

Upto Rs.10,000/ Rs.2.50/- per transaction
Rs.10,001 to Rs.1 lakh- Rs.5/- per transaction
Rs. 1 lakh to Rs. 2 lakhs - Rs.15/- per transaction
Above Rs.2 lakh - Rs.25/- per transaction
(The above transaction charges are excl of taxes)

Collections

Free

RTGS transactions

Payments (At branch/NetBanking)

Rs.2 lakhs to Rs.5 lakhs - Rs.25/- per transaction
Rs.5 Lakhs and above - Rs.50/- per transaction
(The above transaction charges are excl of taxes)

Collections

Free

Local transactions (at home branch locations)

Local cheque collection and payment

Free

Account to account fund transfer within HDFC bank

Free

Anywhere transactions (Except Dahej)

Account to account fund transfer within HDFC bank location

Free

Clearing Transactions � Payments at all HDFC bank location

Free

Clearing Transactions � Collections at all HDFC bank location

Free

Bulk transactions

All above transaction are subject to a maximum of 100 transaction per month beyond which charges @ Rs.10/- per transaction would be levied. Includes all Local/Anywhere clearing & Funds transfer transactions

Remittance facility through other bank

Issue of Demand Drafts (DD)/ Duplicate DD (correspondent tie-up)

Rs. 2 per Rs. 1,000, minimum Rs. 50 per transaction

DD cancellation/ revalidation

Rs. 50 per instrument

Cheque Collection

Outstation cheque collection at bank location

Upto Rs 50,000/- charged at Rs 50/- per instrument
Above Rs 50,000/- and upto Rs 1,00,000/- charged at Rs.100/- per instrument
Above Rs 1,00,000/- charged at Rs 150/- per instrument

Outstation Cheque Collection at Correspondent Bank Location and Clean Location (Non-Corr Bank Location) and Non-MICR cheque

Up to Rs. 25,000 � Rs. 50 per instrument
Rs. 25,000 to Rs. 1 Lakh � Rs. 100 per instrument
Above Rs. 1 lakh � Rs. 150 per instrument

Cheque Collection through Speed Clearing

Up to Rs. 1 Lakh - Nil
Above Rs. 1 Lakh � Rs. 140 per instrument

Bouncing of cheques � Local Cheques drawn on us

Due to insufficient funds

Up to 2 instruments per month - Rs. 500 per instrument ;On 3rd instrument onwards - Rs. 750 per instrument

Due to technical reasons

No charge

Cheque deposited returned unpaid

Local

Rs 100 per instrument

Outstation

Rs 150 per instrument

Doorstep Banking

Cash pick-up services (within municipal city limits)

Cash pick-ups to Rs. 1 Lakh

Rs. 150 per pick-up

Cash pick-ups beyond Rs. 1 Lakh up to Rs. 2 Lakhs

Rs. 200 per pick-up

Cash pick-ups beyond Rs. 2 Lakhs up to Rs. 3 Lakhs

Rs. 300 per pick-up

Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager

Cheque pick-up charges

Daily pick-up (one per day from one pick-up point)

Rs. 400 per month

Per call basis

Rs. 25 per call

Cash Deposit

Cash deposit at home branch location

Free up to Rs. 10 Lacs per month or 25 transactions which ever is breached earlier. Deposit in excess of free limit will be charged @ Rs. 3 per Rs. 1,000, minimum Rs. 50 per transaction.

Limit on Inter-Branch deposits (Within Home Branch City)

Cash deposit at non home Branches within home branch city subject to maximum of Rs. 50,000 per account per day

Cash Deposit -Non Home location

Charges @ Rs. 3.50/Rs. 1,000, minimum Rs. 50 per transaction. (maximum deposit allowed up to Rs. 50,000 per day)

Cash withdrawal

Cash Withdrawal-Home Branch

Free

Cash Withdrawal-Non Home Branch � Inter-city & Intra-city

Cash withdrawals charges @ Rs. 2/Rs. 1,000, minimum Rs. 50/- per transaction; Third party cash withdrawals allowed only up to maximum Rs. 50,000 per transaction.

Miscellaneous

Balance inquiry

Rs. 25/-

TDS certificate

Free

Balance Confirmation Certificate

Rs. 50/-

Interest certificate

Rs. 50/-

Cheque status per instance

Rs. 25/-

Signature Verification

Rs. 100/-

Address confirmation

Rs. 100/-

Photograph verification

Rs. 100/-

Setting up of standing instructions

Nil

Old Records / Copy of Paid Cheque

up to 1 year

Rs. 50 per record

Above 1 year

Rs. 100 per record

Certificate of Balance

Current year

Free

Previous year

Rs. 250

Common charges for debit/ATM cards

Replacement of damaged card

Free

Replacement of Lost card

Rs. 200/-

Copy Retrieval Request

Rs. 100

Re-Issuance of PIN

Rs. 50 plus taxes

ATM Usage:

Transacton Type	Balance Inquiry	Cash Withdrawal
HDFC Bank ATMs	Free	Free
Non-HDFC Bank ATMs
Domestic	Balance enquiry - Free Cash withdrawal - Free
International* *The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction	Rs.15/- per transaction	Rs.110/- per transaction

Stop payment charges

Particular cheque

Rs. 100/- (Free through Phone Banking)

Range of cheques

Rs. 250/- (Free through Phone Banking)

Account Closure

Up to 14 days

No Charge

15 days to 6 months

Rs 500

6 months upto 12 months

Rs 250

Beyond 12 months

No Charge

Inoperative Accounts

Any deliverable returned by courier due to negetive reasons(no such consignee/ consignee shifted and no such address)

Rs.50/- per instance

InstaAlert

Insta Alert

Rs.25/- per quarter

Transactions through Phone banking

Interactive voice response (IVR) and agent assigned

Free

Fees & Charges before 1st January, 2016