FEATURES
ELIGIBILITY
All resident individuals (sole or joint) in the age group of 60 years and above are eligible to open a Senior Citizens Account.
In the case of a joint account, the first applicant has to be a senior citizen.
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Senior Citizens Account Eligibility Criteria
Banking, health and insurance benefits on your account with offers & discounts on all your daily needs. I feel cared for with the special hospitalisation insurance
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READ DETAILED FEES & CHARGES
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Enclosed below are HDFC Bank Senior Citizens Account fees and charges
Description of Charges
Senior Citizens Account
Minimum balance (average monthly balance)
Rs. 5,000 (urban/semi-urban)
Charges applicable on non-maintenance
| AMB Slabs | AMB Requirement - Rs 5,000 (for all branches)non maintenance charge |
|---|---|
| >=2,500 - < 5,000 | Rs. 150/- |
| 0 to < 2,500 | Rs. 300/- |
Cheque book
Free - 25 cheque leaves per calendar half year (1st April - 30th Sep & 1st October - 31st March). Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook
PAP cheque book usage charges
No charges
Issue of duplicate/adhoc statements
Branch - Rs 100/-
PhoneBanking ( Non IVR) - Rs.75/-
NetBanking, Mobile Banking, PhoneBanking - IVR & ATM - Rs 50/-
For Senior Citizen
Branch - Rs 50/- per statement
• PhoneBanking ( Non IVR) - Rs.50/- per statement
• NetBanking , MobileBanking, PhoneBanking – IVR & ATM - Rs 30/- per statement
( w.e.f 1st July'13 )
Passbook issuance*
Free
Duplicate passbook issuance*
Rs 100/-
Managers cheques/demand drafts (issuance/re-issuance) - At HDFC Bank locations
| DD/MC Issuance Charges Through Branch | |
|---|---|
| Upto Rs. 10,000 - Rs. 50/- | Above Rs.10,000- Rs.5 per 1000 (min Rs.75/- & max Rs.10,000) |
Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at PhoneBanking
DD request through NetBanking
| Upto Rs. 1 lakh | Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014) |
| Third party DD* upto Rs. 1 lakh | Rs. 50/- + corr. bank charges if applicable (effective 1st Dec'2014) |
(*Third party registration required. Customers registered for third party transfers have a maximum limit of 10 lakh per cust id and hence can issue multiple DDs of Rs 1 lakh upto Rs 10 lakh and send it to the beneficiary address)
Managers cheque/demand drafts - Cancellation/revalidation
Rs. 100
( Nil charges for Managers cheque/demand drafts - Cancellation/revalidation up to Rs.1000/-)
( w.e.f 1st Jan 2016 )
Demand Drafts (issued) - At non-HDFC Bank locations
| Rs. 50 plus charges as outlined below: | |
| Upto Rs. 500 | Rs. 10 |
| Above Rs. 500 to Rs. 1000 | Rs. 15 |
| Above Rs. 1,000 to Rs. 5,000 | Rs. 25 |
| Above Rs. 5,000 to Rs. 10,000 | Rs. 30 |
| Above Rs. 10000 | Rs. 5 per 1,000 or part thereof (min Rs 75 to max Rs 10,000/-) |
Cheque Collection - Local Clearing Zone
Free
Collection of outstation cheques - our bank locations
| Charges for cheques drawn on Branch locations | Senior citizens account |
| Upto Rs 5,000 | Rs. 20/- |
| Rs. 5,001/- to Rs. 10,000/- | Rs. 40/- |
| Rs. 10,001/- to Rs. 1,00,000/- | Rs. 100/- |
| Rs. 1,00,001/- and above | Rs. 150/- |
| Cheques drawn on Speed Clearing Branches - at non CTS locations | Senior Citizens Account |
| Upto Rs. 1,00,000 | No charges |
| Rs. 1,00,001/- and above | Rs. 140/- per instrument |
| Cheques drawn on Speed Clearing Branches - at CTS locations | No charge |
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges
Collection of outstation cheques - Other locations
| Charges for cheques drawn on non-branch locations | Senior Citizens Account |
| Upto Rs 5,000 | Rs. 20/- |
| Rs. 5,001/- to Rs. 10,000/- | Rs. 40/- |
| Rs. 10,001/- to Rs. 1,00,000/- | Rs. 100/- |
| Rs. 1,00,001/- and above | Rs. 150/- |
| Cheques drawn on Speed Clearing Branches - at non CTS locations | Senior Citizens Account |
| Upto Rs. 1,00,000 | No charges |
| Rs. 1,00,001/- and above | Rs. 140 /- per instrument |
| Cheques drawn on Speed Clearing Branches - at CTS locations | No charge |
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges
Cheque return charges drawn on us - Local
| Due to Insufficient funds - First cheque return in a quarter - Rs 350/- From second cheque return in the same quarter – Rs 750/- per return |
| Charges due to funds transfer cheque return - Rs. 350/- |
| Due to technical reasons - Rs. 50/- per instance. |
Cheques deposited - Returned unpaid
Charge of Rs 80/- per instance would be levied for senior citizens
Cheques deposited - Outward
| Rs. 50 |
| Rs. 100 on non-maintenance of min balance |
Balance enquiry - At branch
Free
Balance Certificate
Current year - Free; previous year - Rs. 50
Interest Certificate
Rs. 50
TDS Certificate
Free
Account Closure (from account opening date)
Upto 14 days - Nil
15 days upto 12 months - Rs 500/- ( Rs 300/- for Senior Citizens)
Beyond 12 months - Nil
( w.e.f 1st July'13 )
Photo attestation
Rs 100/- per instance ( Nil for Senior Citizens )
( w.e.f 1st July'13 )
Address confirmation
Rs 50/- per instance
Stop payment charges
Particular cheque - Rs. 100 (free through NetBanking), range of cheques - Rs. 200 (free through NetBanking)
Standing instructions
Rs. 25 per transcation plus remittanceremittance are also different. charge
( w.e.f 1st July'13 )
Unarranged overdraft
NA
Old records/copy of paid cheques
Upto 1 year - Rs. 50 per record; above 1 year - Rs. 100 per record
Activation of dormant account
No charges
Branch transactions (Includes only Cheque deposit/Cheque issuance/Funds Transfer Debit/NEFT/RTGS)
(Charges over and above standard remittance charges for Fund Transfer / NEFT / RTGS .Remittance charges applicable starting first transaction onwards)
- In case the AMB in the previous month account is equal to or above Rs 50000/- No charges would be levied
- In case the AMB is below Rs 50,000/- 15 txn free/month would be permitted and charge of Rs 75/txn would be levied 16th transaction onwards. ( w.e.f 1st July'13 )
Number of Cash transactions(Cumulative of Deposit and Withdrawal)
4 free cash transactions per month
5th transaction onwards - Rs.150/- per transaction (plus taxes as applicable) would be levied
Value of Cash transactions(Cumulative of Deposit and Withdrawal)
Home Branch
2 lakh ---Free per month per account.
Above 2 lakh---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/-(plus taxes as applicable)
Non-Home Branch:
Cash transactions value upto Rs.25,000/- per day –No charge
Above Rs.25,000/- ---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/- (plus taxes as applicable)
Third party Cash transaction (Cumulative of Deposit and Withdrawal)
Upto a limit of Rs.25,000/- per day ---Rs.150/- (plus taxes as applicable) Above Rs.25,000/- not allowed
For Senior Citizen customers, Kids/Minor Accounts, while the limit of Rs.25000/- per day will be applicable , the accounts will not be charged
Cash Handling charges
Withdrawn effective 01st March, 2017
Local Cheque deposited for outstation accounts
No Charge
Phonebanking - IVR
Free
Phonebanking - Non IVR
| Free |
| Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive. |
| Debit Card Charges | |||
|---|---|---|---|
| All fees will attract Service Tax & plus taxes as applicable | |||
| Debit Card Variant | PRIMARY A/C HOLDER | Card Replacement Charges | |
| Issuance Fee | Annual/Renewal Fee | ||
| Easy Shop Internatioal Card | Free | Free | Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16) |
| Rupay Premium | Rs. 200 (w.e.f 1st Mar'18) | Rs. 200 (w.e.f 1st Mar'18) | |
| EasyShop Women's Advantage | Rs. 200 (w.e.f 1st Mar'18) | Rs. 200 (w.e.f 1st Mar'18) | |
| EasyShop Titanium | Rs. 250 | Rs. 250 | |
| EasyShop Titanium Royale | Rs. 400 | Rs. 400 | |
| Rewards Card | Free | Free | |
| EasyShop Platinum | Rs. 750 | Rs. 750 | |
| All fees will attract Service Tax & plus taxes as applicable | |||
| Debit Card Variant | SECONDARY A/C HOLDER | Card Replacement Charges | |
| Issuance Fee | Annual/Renewal Fee | ||
| Easy Shop Internatioal Card | Rs. 150 | Rs. 150 | Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16) Replacement of a Lost Card: Rs. 200 + applicable taxes |
| Rupay Premium | Rs. 150 | Rs. 150 | |
| EasyShop Women's Advantage | Rs. 150 | Rs. 150 | |
| EasyShop Titanium | Rs. 250 | Rs. 250 | |
| EasyShop Titanium Royale | Rs. 400 | Rs. 400 | |
| Rewards Card | Rs.500 | Rs.500 | |
| EasyShop Platinum | Rs. 750 | Rs. 750 | |
ATM / Debit Card Card - Transaction Charge
| HDFC BANK ATMs | Other Bank ATMs |
| First 5 Transactions Free across all Cities | (a) In Top 6 cities** : First 3 Transactions Free (b) Non Top 6 cities : First 5 Transactions Free |
For transactions done on other bank ATMs, Maximum of 5 transactions free in a month with a cap of Maximum 3 free transactions in Top 6 Cities
**Top 6 Cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs
Please check with your respective corporate for details of the offer
Transactions over and above free limit will be charges as under:
- Cash withdrawal - Rs. 20 plus taxes per transaction
- Non-Financial Transaction - Rs. 8.5 plus taxes per transaction
Debit Card - Transaction Charge - Non HDFC Bank International ATMs
Rs. 25 per balance enquiry & Rs. 125 per cash withdrawal (plus taxes as applicable)
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
PIN regeneration charge
Rs. 50 (plus taxes as applicable)
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 as applicable)
Add-on Debit Card - Regular
Rs. 150 per year (plus taxes as applicable) - One add-on card free for the first year
Add-on Debit Card - Women's Card
Rs. 150 per year (plus taxes as applicable)
BillPay
This service is free w.e.f 1st August'2011
InstaPay
Rs. 10 (plus taxes as applicable) per transaction
InstaAlert
Free
Visa Money Transfer
Rs. 5 (plus taxes as applicable) per transaction
NEFT Charges - Inward
NIL
NEFT Charges- outward
- Amounts up to Rs. 10,000 - Rs.2.5 (plus taxes as applicable) per transaction
- Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (plus taxes as applicable) per transaction
- Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (plus taxes as applicable) per transaction
- Amounts above Rs.2 lakh – Rs.25 (plus taxes as applicable) per transaction
NEFT Charges for Indo Nepal transactions
Customers having NSBL*A/c - Rs 20/-
Customers having Non-NSBL* A/c:
Upto Rs 5,000 - Rs 70/-
Above Rs 5,000 - Rs 95/-
* Nepal State Bank Ltd
RTGS - Outward
- Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (plus taxes as applicable) per transaction
- Above Rs 5 Lakhs - Rs. 50 (plus taxes as applicable) per transaction
RTGS - Inward
NIL
IMPS (Immediate Payment Service) – Outward
Charges Effective January 01, 2017
- Amount upto Rs 1 to Rs 1,00,000 ----Rs.5/- (plus taxes as applicable) per transaction
- Amount above Rs 1,00,001 to Rs 2,00,000 ----Rs.15/- (plus taxes as applicable) per transaction
IMPS (Immediate Payment Service) - Inward
NIL
Mobilebanking
NIL
Netbanking
Free
ECS / ACH (Debit) Return charges
- Rs 350/- would be levied on first instance of ECS return in a quarter.
- Rs 750/- would be levied, second instance onwards in the same quarter.
Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address)
Rs 50/- per instance
TIN Regeneration (requests received at the branch for physical dispatch)
Rs 50/- per instance
IPIN Regeneration (requests received at the branch for physical dispatch)
Rs 100/- per instance
Standing Instruction rejects
Rs 200/- per instance
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