FEATURES
Eligibility
Fees & Charges
| Enclosed below are HDFC Bank Biz Lite+ Account Fees & Charges: | |
Features | Biz Lite+ Account |
AQB | Metro & Urban: ₹25,000/- (For Account with ME/PG/MPOS/QR: ₹10,000/-*); Semi Urban & Rural: ₹10,000/- (In any 2 quarters of the year*) |
Non-Maintenance Charges (per quarter) | Metro and Urban - ₹2,500 per quarter; |
Zero NMC Criteria* | Zero NMC, if Quarterly Credit Volume through ME / PG / MPOS is either more than or equal to ₹3 lakh |
Note:
- Free limits across Cash Deposit / Cash Withdrawal / Total Transactions / Cheque Leaves / DD & PO will lapse if AQB maintained is less than 75% of the required product AQB
- *Average Quarterly Balance requirement for Biz Lite+ Account:
(i) Metro & Urban Branches - AQB Rs 10,000/- applicable if account is credited with one or more ME/PG/MPOS/QR transactions for given quarter
(ii) Semi-Rural or Urban Branches – Rs 10,000/- in any 2 quarters of the year. For Example: Account opened in the month of April'25 (i.e. Apr'25-Jun'25 quarter) will need to maintain the AQB in any 2 quarters of a year i.e. from April’25-June’25 quarter till Jan'26-March'26 quarters & so on - All accounts are reviewed on a quarterly interval basis the average quarterly account balances maintained in the account
- Applicable only for Biz Lite+ Account (Metro & Urban Locations) –
a) AQB Criteria - ₹25,000/- for accounts without ME/PG/MPOS/QR linkage
b) AQB Criteria - ₹10,000/- for accounts with ME/PG/MPOS/QR linkage.
c) For accounts availing ME/PG/MPOS / QR post cut-off date i.e. 20th of month 3 of a quarter, AQB benefits will be applicable from subsequent quarter i.e. account opened in Apr and ME/PG/POS/QR not set up till 20th Jun, will be given AQB benefits in the subsequent quarter.
d) All other features & benefits will remain the same for with or without ME/PG/MPOS/QR linked accounts.
*Zero NMC Charges for 2nd quarter of account opening if customer is Digitally active. Digital Activation comprises of Debit Card Activation (on ATM or POS), Bill Pay usage and NetBanking or MobileBanking active within first 2 months of account opening
Download Fees & Charges effective from 1st April, 2025
| Cash Transactions: | |
Combined Cash Deposit at Home Location & | Free up to ₹2 lakh per month or 6 times of Current Month AMB, whichever is higher |
Cash deposit in low denomination notes i.e. ₹50 and below @ any HDFC Bank Branch (Monthly) | Cash deposit in notes = Free up to ₹10,000/-per month; |
Operational Limit for Cash Deposit at Non-Home Branch per day | ₹5,00,000 |
Cash Withdrawal-Home Branch | Unlimited Free |
Cash Withdrawal- Non-Home Branch | Free 6 times of Current Month AMB (Upper Cap – ₹10 crore); Beyond free limits, ₹2 per 1000, minimum ₹50/- per transaction |
Daily Third-Party Cash Withdrawal Limits at Non-Home Branch | ₹50,000 per transaction |
| Non-Cash Transactions: | |
Local and Intercity Cheque Collection/Payments & Fund Transfer | Free |
Total Transactions* - Monthly Free Limits | Free 100 transactions for every slab of ₹1 lakh of current month AMB balance maintained (Upper Cap – 2000 transactions). |
Demand Drafts (DD)/Pay Orders (PO) at Bank Location | Free up to 30 DD/PO per month for every slab of ₹1 lakh of current month AMB maintained |
Demand Drafts (DD) at Correspondent Bank Location | ₹1.50 per ₹1000, Minimum ₹50/- per instrument |
Cheque Leaves - Monthly Free Limit | Free 50 cheque leaves for every slab of ₹1 lakh of current month AMB balance maintained (Upper Cap – 1000 cheque leaves) |
Outstation Cheque Collection at Clean Location (per instrument charges) | Up to ₹25000 - ₹50, |
*Total Transactions includes count of Cash Deposit, Cash Withdrawal, Cheque Clearing and Fund Transfer Transactions
| Electronic Transactions: | |
NEFT Payments | Free through NetBanking |
RTGS Payments | Free through NetBanking |
IMPS Payments | Up to ₹1,000/- : ₹3.5/-; |
NEFT/RTGS/IMPS Collections | Free |
| Debit Cards (Only for Individuals and Sole Proprietors): | ||
Debit Card | EasyShop Business* | ATM Card |
Annual Fee per card | ₹350/- plus taxes | Free |
Daily ATM limit | ₹1,00,000/- | ₹10,000/- |
Daily Merchant Establishment Point of Sale limit | ₹5,00,000/- | NA |
*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 | ||
| ATM Usage: | ||
Transaction Type | Non-Financial | Financial |
HDFC Bank ATMs | Free | |
Domestic – Non HDFC Bank ATMs | Maximum of 5 transactions free in a month with a cap of maximum 3 free transactions in top 6 cities (Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities) | |
International* | ₹25/- per transaction | ₹125/- per transaction |
*Transaction decline charge at other bank ATM anywhere in the world or at merchant outlet outside of India, due to insufficient funds - ₹25 per transaction
| Account Closure Charges: | |
Closure: Up to 14 Days | No Charge |
Closure: 15 Days to 6 Months | ₹500 |
Closure: 6 Months to 12 Months | ₹250 |
Closure: Beyond 12 Months | No Charge |