Features

Eligibility

Fees and Charges


Features

Regular Collection Account

Average Quarterly Balance (AQB)

₹10,000/-

Non-Maintenance Charges (Per Quarter)

₹1,500/-

Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB

Cash Transactions

Combined Cash Deposit Limit @ any HDFC Bank branch (monthly)

Deposit up to ₹2 lakh cash free per month or 25 transactions (whichever is breached first) at any HDFC Bank branches; Charges @ ₹3.5 per ₹1,000/-, minimum ₹50 per transaction beyond free limits

Cash deposit in low denomination notes i.e., ₹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 Branch (per day)

₹10,000/-

Non-Cash Transactions

Local / Intercity Cheque Collection

Free

Bulk Transactions*

Free up to 50 transactions per month. Charges ₹30/- per transaction beyond free limits

Outstation cheque collection @ Clean Location (per instrument charges)

Up to ₹25,000 - ₹50,
Above ₹25,000 up to ₹1 lakh - ₹100/-,
​​​​​​​Above ₹1 lakh - ₹150/-

NEFT/RTGS/IMPS Transactions

NEFT / RTGS / IMPS Collections

Free

Account Closure Charges

Closure: Up to 14 days - No Charge
Closure: 15 days to 6 months - ₹500/-
Closure: 6 months to 12 months - ₹500/-
Closure: Beyond 12 months - No Charge

Common Charges

Balance Inquiry, TDS Certificate & Address Confirmation (request received at branch)

Free

Balance Confirmation Certificate & Interest Certificate, Signature, Photograph Verifications (request received at branch)

₹100

Old Records/Copy of Paid Cheque (request received at branch)

₹80 per record

Standing Instructions

Nil

Re-generation of Phone Banking IPIN (request received at branch for physical dispatch)

₹40/- per request

InstaAlert

Email – Free; SMS - 20 paise/SMS (charged on monthly basis)

Duplicate / Adhoc Statement Requests
i) Through Direct Banking channels
ii) At Branch or PhoneBanking (Non - IVR)

i) ₹50/- per statement through NetBanking, MobileBanking, PhoneBanking (IVR), ATM
ii) ₹100/- per statement through Branch and
₹75/- through PhoneBanking (Non - IVR)

Cheques Deposited Returned Unpaid

Local and Outstation - ₹200/- per instrument

* Bulk transactions include count of all Cheque clearing and Fund Transfer Transactions


Terms & Conditions

  • For Accounts maintaining an AQB less than required product AQB as of previous quarter will be charged ₹25 each for next 3 monthly statements
  • All Free limits will lapse if AQB maintained is less than 75% of required Product AQB
  • GST as applicable will be levied

Glossary

  • AQB - Average Quarterly Balance
  • Mode of Calculation of AQB - Average of daily closing balances of each day spread over a period of 3 months (calendar quarter)
  • NMC - Non maintenance Charges which are levied to the customer in case of non-maintenance of AQB