FEES & CHARGES
Enclosed below are HDFC Bank Max Current Account fees and charges
| Description of Charges | Max Current Account | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Average Quarterly Balance | Rs.5,00,000/- (AQB) | ||||||||
| Non-Maintenance Charges (per Quarter/Month/half yearly) | Rs. 2,50,000 & above - Rs. 3,000 per quarter Less than Rs.2,50,000 - Rs.8,000 per quarter | ||||||||
| Mode of Calculation of Minimum Average Quarterly Balance | Average of daily closing balances of each day spread over a period of 3 months. | ||||||||
| Cheque Book Charges (Issued by Bank) ( Customer can request for maximum 100 cheque leaves through NetBanking. For requests above 100 cheque leaves customer needs to visit the branch.) | Payable-at-par 500 cheque leaves Free per month. Charges Rs. 3/- per leaf beyond 500 leaves | ||||||||
| Free Monthly Cheque Leaves | 500 | ||||||||
| Other Current Account facilities | |||||||||
| 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) | ||||||||
| Remittance facility through own Bank | |||||||||
| Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD | Free | ||||||||
| Pay Orders (PO) - on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO | Free | ||||||||
| Issuance of DD / PO Through PhoneBanking | All standard charges for DD / PO are applicable as above Only DD amount upto Rs. 5,00,000 for Current Max Accountholders accepted at Phone Banking. | ||||||||
| DD/PO-Cancellation/Revalidation | Rs.100/- per instrument | ||||||||
| DD/PO at Bank location | Unlimited Free | ||||||||
| NEFT/EFT Transactions : | |||||||||
| Payments | Free | ||||||||
| Collections | Free | ||||||||
| RTGS Transactions : | |||||||||
| Payments | Free | ||||||||
| Collections | Free | ||||||||
| Local Transactions (At home branch location) | |||||||||
| Local cheques collections & payments | Free | ||||||||
| Account to Account Fund Transfer within HDFC Bank | Free | ||||||||
| Anywhere Transactions | |||||||||
| Account to Account Funds Transfer within HDFC Bank | Free | ||||||||
| Payments at HDFC Bank Locations | Free. | ||||||||
| Collections at HDFC Bank Locations | Free | ||||||||
| Bulk Transaction limit | All above transaction are subject to a maximum of 500 transaction per month beyond which charges @ Rs.30/- 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 tieup) | Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument | ||||||||
| DD-Cancellation / Revalidation | Rs.50/- per instrument | ||||||||
| Cheque Collection | |||||||||
| Outstation Cheque Collection at Clean Location |
| ||||||||
| Bouncing of cheques- Local | |||||||||
| Cheques Drawn on us | |||||||||
| Due to Insufficient Funds | Upto 2 instruments per month ₹ 500/- per instrument; on 3rd onwards ₹ 750/- per instrument | ||||||||
| Due to Technical Reasons | ₹ 50/- per instrument (e.g. - Date not mentioned, post-dated, sign mismatch, etc.) | ||||||||
| Cheques Deposited Returned Unpaid | Local & Outstation - ₹ 200/- instrument | ||||||||
| Doorstep Banking (Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details) | |||||||||
| Cash Pickup Charges (within municipal city limits) | |||||||||
| Upto Rs 1 lac | Rs 200/- per pickup | ||||||||
| Beyond Rs 1 lac and upto Rs 2 lac | Rs 225/- per pickup | ||||||||
| Beyond Rs 2 lac and upto Rs 4 lac | Rs 350/- per pickup | ||||||||
| Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager | |||||||||
| Cash Transactions | |||||||||
| Cash Deposit | |||||||||
Combined Cash Deposit Limit @ any HDFC Bank Branches (monthly) | Higher of ₹ 60 lacs per month or 10 times the current month AMB or 60 transactions, whichever is breached first; (subject to a maximum monthly free limit of ₹ 200 Lacs.), beyond free limit charges at ₹ 3.5 per ₹ 1000; minimum of ₹ 50 per transaction. | ||||||||
| Cash deposit in low denomination notes i.e. Rs 50 and below @ any HDFC Bank Branch (monthly) | 1. Cash deposit in notes = Free up to ₹ 10,000/- per month, beyond free limit chargeable at 2% of cash deposit in low denomination notes | ||||||||
| 2. Cash deposit in coins = Free up to ₹ 1,000/- per month, beyond free limit chargeable at 5% of cash deposit in coins | |||||||||
| Operational limit for Cash Deposit -Non Home branches | Max Cash Deposit limit at non-home branches is subject to a limit of Rs.3 Lac per day | ||||||||
| Free Cash deposite Limit will lapse for the account if AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customer will be charged from 1st transaction of cash deposit. | |||||||||
| Cash Withdrawal | |||||||||
| Cash Withdrawal - Home Branch | Free at Home Branch | ||||||||
| Cash Withdrawal-Non Home Branch-Intracity & Intercity | Free cash withdrawals upto Rs.50,00,000/- per month, beyond which charges @ Rs.2 per 1000, min Rs.50/-per transaction on incremental amount; Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. | ||||||||
| Miscellaneous | |||||||||
| Balance enquiry | Free | ||||||||
| TDS Certificate | Free | ||||||||
| Balance Confirmation Certificate | Rs.100/- | ||||||||
| Interest Certificate | Rs. 100/- | ||||||||
| Cheque Status per instance | Free | ||||||||
| Photo Verification | Rs 100/- per instance | ||||||||
| Address Confirmation | Free | ||||||||
| Signature Verification | Rs 100/- per instance | ||||||||
| ECS (Debit) Return Charges (Quarterly Charges) | Upto 3 returns - Rs. 350/ instance 4th return onward Rs. 750 /instance | ||||||||
| Setting up of Standing Instructions | Nil | ||||||||
| Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address) | Rs 50/- per instance | ||||||||
Re-generation of IPIN (request received at branch for physical dispatch) | Rs 40/- per request | ||||||||
| SI rejects | Upto 3 returns - 250/instance 4th return onward 750/instance | ||||||||
| Old Records / Copy of Paid Cheque | |||||||||
| Rs.80 per record | |||||||||
| 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: | |||||||||
| ATM Txns (@ HDFC Bank ATM) | Unlimited Free | ||||||||
ATM Txns - Financial & Non-Financial (@ HDFC Bank ATM) | Maximum of 5 Txns Free in a month with a cap of Maximum 3 free Txns in Top 6 cities @ Non-HDFC Bank ATM (Txns done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities) | ||||||||
| Stop Payment Charges | |||||||||
| Particular cheque | ₹ 100/- (Free through Net Banking and Phone Banking) | ||||||||
| Range of cheques | ₹ 200/- (Free through Net Banking and Phone Banking) | ||||||||
| Account Closure: | |||||||||
| Up to 14 days | No Charge | ||||||||
| 15 days to 6 months | Rs 2,000/- | ||||||||
| 6 months upto 12 months | Rs 1,000/- | ||||||||
| Beyond 12 months | No Charge | ||||||||
| Activation of dormant/inoperative account | No Charge | ||||||||
| InstaAlert / Mobile Banking | |||||||||
| Insta Alert | Nil | ||||||||
| Transactions through PhoneBanking: | |||||||||
| Interactive Voice Response (IVR) | Free | ||||||||
| Non-IVR Agent-assisted -for accounts maintaining AQB | Free | ||||||||
| Non-IVR Agent-assisted - for accounts not maintaining AQB as of previous quarter | Rs 50/- per call | ||||||||
| Charges on all IMPS Outgoing transactions: | |||||||||
| ₹ 0 - ₹ 1000 | ₹ 3.50/- per txn | ||
| ₹ 1001 - ₹ 100000 | ₹ 5/- per txn | ||
| Above ₹ 100000 | ₹ 15/- per txn | ||
| Debit Cards (only for Individuals & Sole Proprietorship) | |||
| Debit Card | EasyShop Business# | ATM Card | |
| Annual Fee per card | Rs 350/- plus taxes | Free | |
| Daily ATM limit | Rs. 1,00,000 | Rs. 10,000 | |
| Daily Merchant Establishment Point of Sale limit | Rs. 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. | |||
All charges are exclusive of GST as applicable from time to time
+For accounts maintaining AQB less than Rs.500,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement
**Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.
*Revised Business Debit Card charges are effective from 1st August’2024
