hdfc accounts - full details

Regular Savings Account

Highlights

Bank HDFC Bank

Category Regular

Minimum AQB(Average Quarterly Balance)

A minimum deposit of Rs. 5,000/- is required to open an account and thereafter an Average Quarterly Amount of the same amount has to be maintained.Rs. 5000 (Urban), Rs. 2500 (Semi-urban)NIL with a Fixed deposit of Rs. 50,000

Interest Rate 3.5%

Card Offered ATM cum Debit Card ATM Card FreeATM Card - Replacement charges Rs. 100 (plus taxes)

Main Features

Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located.

Bank conveniently with facilities like NetBanking and MobileBanking- check your account balance, pay utility bills or stop cheque payment, through SMS.

Never overspend- Shop using your International Debit Card that reflects the actual balance in your savings account.

Personalised cheques with your name printed on each cheque leaf for enhanced security.

Take advantage of BillPay, an instant solution to all your frequent utility bill payments. Instruct for payment over the phone or through the Internet.

Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saver facility on your account.

3 Free transactions on SBI/Andhra Bank ATMs per month.

Free Payable-at-Par chequebook, without any usage charges upto a limit of Rs.50,000/- per month.

Free InstaAlerts for all account holders for lifetime of the account.

Free Passbook facility available at home branch for account holders (individuals).

Free Email Statement facility.

Fees & charges

Charges for non maintenance of minimum quarterly average balance

It is mandatory to maintain a minimum Average Quarterly Balance (AQB) of Rs. 5,000/-. If the balance falls below Rs. 5,000/- a service charge of Rs. 750/- will be levied per quarter.

Cash Transaction Interbranch transactions through teller counters - Cash transactions. Upto Rs. 50,000/- free, Above Rs. 50,000/- Rs 2.90 per 1,000/-Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.10,000 per day - Rs.100 (plus taxes). Above Rs.10,000 - Not allowed

ATM transaction at own bank FreeDebit Card - Transaction Charge -Free5 free in the qtr & Rs. 30 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal)

Cash withdrawal at ATMs in India

Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 55 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders)Rs. 100 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 20 per cash withdrawal (plus taxes)ATM interchange (partner bank) Transaction charge for Partner banks - SBI & Andhra Bank Rs. 20 per cash withdrawal (plus taxes)ATM interchange (non-partner bank)- Not available

Cash withdrawal at ATMs in outside India

Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 110 per cash withdrawal (plus taxes).

Debit Card Fees Debit Card - Annual Fee - Regular Rs. 100 per year Debit Card - Annual Fee - Gold Rs. 500 per year Debit Card - Annual Fee - Women's Card Rs. 150 per year

Balance inquiry at own bank Balance Enquiry - at Branch Free

Balance inquiry at Other banks Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs-Rs. 15 per balance enquiry (plus taxes).Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders)-Balance enquiry - Not availableDebit Card - Transaction Charge - SBI/Andhra Bank ATMs-Rs. 10 per balance enquiry ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank- Rs. 10 per balance enquiry ATM Card - Transaction charge for Non-Partner banks-

NA

Debit card renewal charges Debit Card - Renewal Fee - Regular Rs. 100 per year (plus taxes)Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes)Debit Card - Renewal Fee - Women's Card Rs. 150 per year (plus taxes)

Replacement of Debit Card Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types)

Add-on debit card Add-on Debit Card - Regular Rs. 100 per year (plus taxes) - One add-on card free for the first yearAdd-on Debit Card - Gold Card Rs. 500 per year (plus taxes)Add-on Debit Card - Women's Card Rs. 150 per year (plus taxes)

Issue of DD drawn on base Bank/banks branch by cheque/transfer

DD request through BranchUpto Rs. 10,000 Rs. 50Rs. 40 (Senior Citizens / Individuals in Rural areas)Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking)Rs. 60 (Senior Citizens / Individuals in Rural areas)

**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at PhonebankingAbove Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD* upto Rs. 1 Lakhs Rs .30+(Corr. Bank charges if applicable)

DD cancellation/Revalidation Rs. 40 (Senior Citizens / Individuals in Rural areas)

DD drawn on correspondent location/other bank

Rs. 50 plus charges as outlined below:Upto Rs. 500 Rs. 10Above Rs. 500 to Rs. 1000 Rs. 15Above Rs. 1000 to Rs. 5000 Rs. 25Above Rs. 5000 to Rs. 10,000 Rs. 30Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereofAbove Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300)

Statement/Duplicate Account Statement

Account Statements - Free Monthly statements to be Collected from branch.Quarterly statements sent by postIssue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking.Hold Statement Rs. 400 per year

Cheque Books FreeRs. 5 per leaf on non maintenance of Min balancePAP Cheque book Upto Rs. 50,000 pm - No charges, Above Rs. 50,000 - Rs. 2.90 per 1000 on full amount.

Pass Book FreeDuplicate passbook issuance Rs 100/-

Outstation cheque collection Collection of outstation cheques - our bank locations-Cheques drawn on metro/non-metro cities (Branch Locations)Cheque value Rs. 0 to Rs. 500 No ChargesCheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)* Credit on receipt of clear fundsCollection of outstation cheques - other locations-Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50)Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50)* Credit on receipt of clear funds

Return of Cheque Cheque return charges drawn on us - Local-Due to insufficient funds - Rs. 350Due to Technical reasons - No chargeRs. 400 on non-maintenance of Min balanceCheque return charges drawn on us deposited in other locations -Rs. 75

Stop Payment for individual cheque or a range of cheques

Particular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking)

Closure of Account Upto 14 days - No charge15 days upto 6 months - Rs 100/-Above 6 months - No charge

Interest Certificate Rs. 50

Balance Certificate Current year - Free, Previous year - Rs. 250

Services & Features

Overdraft Facility

No

Reward Points

No

Internet Banking

Yes Free

Phone Banking

Yes Phonebanking - IVR FreePhonebanking - Non IVR FreeRs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive

Mobile Banking

Yes Free

SMS Alerts No

Eligibility Criteria

The following are eligible to open a Regular Savings Account:Resident Individuals (sole or joint account).Minor below 18 yrs. (account only with guardian).Hindu Undivided Families.Trusts.Associations.Clubs or Societies.Foreign Nationals residing in India*.If you are a Foreign National residing in India, you may open a Savings Account by temporarily attaching an undertaking (QA 22 form), stating sources of credit and a copy of your Residence Permit.

Account Operation

A minimum deposit of Rs. 5,000/- is required to open an account and thereafter an Average Quarterly Amount of the same amount has to be maintained.Please Note: It is mandatory to maintain a minimum Average Quarterly Balance (AQB) of Rs. 5,000/-. If the balance falls below Rs. 5,000/- a service charge of Rs. 750/- will be levied per quarter.If you open a Fixed Deposit Account of Rs. 50,000/-, then you no longer have to maintain a minimum balance of Rs. 5,000 on your Savings Account. In effect your account becomes a

Zero Balance Account.Min Age 18 Yrs.

Savings Plus Accounts

Bank HDFC Bank

Category Regular


A minimum deposit of Rs. 10,000/- is required to open an account and thereafter an Average Quarterly Amount of the same amount has to be maintained.Option 1 Rs. 10000(Urban/Semi-urban)Option 2 NIL with a Fixed deposit of Rs. 50,000

Interest Rate 3.5%


Main Features

Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located.

2 Free transactions on SBI/Andhra Bank ATMs per month.

3 Free transactions on any other Bank's ATM per month.

Free International Debit Card for all account holders for life time of the account.

Free Payable at Par (PAP) chequebook without any usage charges upto a limit of 50,000 per month.

Free Demand Drafts on HDFC Bank locations, upto a limit of 25,000/- per day.

Free BillPay & InstaAlerts for all account holders for lifetime of the account.

Free Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBanking.

Special relationship discount on purchase of Gold Bars.

25%-off on the Locker rental for the 1st year (only).

Intercity Banking / Multi-city Banking.,/li>


Free Email Statement facility .

Fees & charges


If AQB in the savings a/c is >=10,000/- and/or the balance in the FD is >=50,000/-, no AQB non-maintenance charges will be levied.If the AQB in the SB a/c falls below 10,000/- and balance in the FD is also <=50,000/-, following charges would be applicable:AQB in the SB a/c between 5,000/- and 10,000: Rs. 750/- per quarterAQB in the SB a/c is less than 5,000/-: Rs. 1,000/- per quarterIf you open a Fixed Deposit Account of Rs. 50,000/-, then you no longer have to maintain a minimum balance of Rs. 10,000 on your Savings Plus Account. In effect your account becomes a Zero Balance Account.Thus, if the Savings Plus Account AQB is <10,000/- but FD balance is >=50,000/-, no minimum balance charges will apply.

Cash Transaction Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000/- free, Above Rs. 50,000/- Rs 2.90 per 1,000/-Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.10,000 per day - Rs.100 (plus taxes). Above Rs.10,000 - Not allowed


ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank-Rs. 20 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs-Rs. 55 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders)-Rs. 100 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - SBI/Andhra Bank ATMs-Rs. 20 per cash withdrawal (plus taxes)2 Free txns (

Cash Withdrawal ) per month


Debit Card - Transaction Charge - Non HDFC Bank International ATMs-Rs. 110 per cash withdrawal (plus taxes)

Debit Card Fees Debit Card - Annual Fee - Regular -Free for all account holders for life timeDebit Card - Annual Fee - Gold Rs. 500 per year (plus taxes)Debit Card - Annual Fee - Women's Card Rs. 150 per year (plus taxes)


Balance inquiry at Other banks Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs - Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry - Not availableDebit Card - Transaction Charge - SBI/Andhra Bank ATMs-Rs. 10 per balance enquiry

Debit card renewal charges Debit Card - Renewal Fee - Regular NADebit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes)Debit Card - Renewal Fee - Women's Card Rs. 150 per year (plus taxes)


Add-on debit card Add-on Debit Card - Regular FreeAdd-on Debit Card - Gold Card Rs. 500 per year (plus taxes)Add-on Debit Card - Women's Card Rs. 150 per year (plus taxes)


Free DDs/MCs per account per month with maximum of Rs. 25,000 per dayDD request through BranchAbove Rs. 25,000 & upto Rs. 50,000 Rs. 75 **(Rs. 50 through Phonebanking)

**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at PhonebankingAbove Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)

DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD* upto Rs. 1 Lakhs Rs .30+(Corr. Bank charges if applicable)

DD cancellation/Revalidation Rs. 50Rs. 40 (Senior Citizens / Individuals in Rural areas)





Cheque Books FreeRs. 5 per leaf on non maintenance of Min balancePAP Cheque book Upto Rs. 50,000 pm - No charges, Above Rs. 50,000 - Rs. 2.90 per 1000 on full amount


Outstation cheque collection Collection of outstation cheques - our bank locations Cheques drawn on metro/non-metro cities (Branch Locations)Cheque value Rs. 0 to Rs. 500 No ChargesCheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)* Credit on receipt of clear fundsCollection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50)Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50)* Credit on receipt of clear funds

Return of Cheque Cheque return charges drawn on us - Local Due to insufficient funds - Rs. 350Due to Technical reasons - No chargeRs. 400 on non-maintenance of Min balanceCheque return charges drawn on us deposited in other locations Rs. 75






Services & Features

Overdraft Facility

No

Reward Points

No

Internet Banking

Yes Free

Phone Banking


Mobile Banking

Yes Free

SMS Alerts No


The following are eligible to open a Savings Plus Account:Resident Individuals (sole or joint account).Minor below 18 yrs. (account only with guardian).Hindu Undivided Families.Foreign Nationals residing in India.If you are a Foreign National residing in India, you may open a Savings Account by

temporarily attaching an undertaking (QA 22 form), stating sources of credit and a copy of your Residence Permit.

Account OperationA minimum deposit of Rs. 10,000/- is required to open an account and thereafter an Average Quarterly Amount of the same amount has to be maintained.If AQB in the savings a/c is >=10,000/- and/or the balance in the FD is >=50,000/-, no AQB non-maintenance charges will be levied.If the AQB in the SB a/c falls below 10,000/- and balance in the FD is also <=50,000/-, following charges would be applicable:

AQB in the SB a/c between 5,000/- and 10,000: Rs. 750/- per quarterAQB in the SB a/c is less than 5,000/-: Rs. 1,000/- per quarterIf you open a Fixed Deposit Account of Rs. 50,000/-, then you no longer have to maintain a minimum balance of Rs. 10,000 on your Savings Plus Account. In effect your account becomes a Zero Balance Account.Thus, if the Savings Plus Account AQB is <10,000/- but FD balance is >=50,000/-, no minimum balance charges will apply.Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr.Min Age 18 Yrs.

SavingsMax Account

Highlights

Bank HDFC Bank

Category Privileged Account


Option 1 Rs. 25,000(Urban/Semi-urban)Option 2 NIL with a Fixed deposit of Rs. 100,000A minimum deposit of Rs. 25,000/- is required to open an account and thereafter an Average Quarterly Balance of the same amount has to be maintained.

Interest Rate 3.5%

Card Offered ATM cum Debit Card

Main Features

Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFC Bank ATMs & on any other Bank's ATM using your HDFC Bank Debit Card.

Free Gold Debit Card for primary account holder for lifetime of the account. Gold Debit

Card for other account holders at Rs 250/- p.a.

Free Woman's Advantage/International Debit Card for all account holders for lifetime of the account.

Free Payable-at-Par (PAP) chequebook, without any usage charges upto a limit of 1 lac per month.

Free Demand Drafts on HDFC Bank locations, upto a limit of 50,000/- per day at home branch.

Self/Third Party Cash Deposit/Withdrawal at non-home branches, upto Rs 50,000/- per day free. Above Rs 50,000 a charge of Rs 2.90 per thousand on the full amount would be applicable.

Optional sweep out facility to transfer extra savings to a Fixed Deposit, at the threshold of Rs.50,000/-. In the event of the balance in SavingsMax account exceeding Rs 50,000/-, the amount in excess of Rs 50,000/- will be swept out in to a Fixed Deposit with a minimum value of Rs 25000/- for a 1year 1day period.

Free BillPay & InstaAlerts for all account holders for lifetime of the account.

Free Monthly Statement of Account.

50% off on the Locker rental for the 1st year only.

Folio maintenance charges on Demat account free for first year.

Free National Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBanking.


Free Email Statement facility .

Fees & charges


If the AQB in the SavingsMax a/c >= 25,000/- and/or the balance in the FD is >= 100,000/-, no AQB non-maintenance charges will be levied.If the AQB in the SavingsMax a/c falls below 25,000/- and balance in the FD is also below 100,000 the following charges would be applicable:

AQB in the SavingsMax a/c between Rs10,000/- and Rs 25,000 Rs. 1000/- per quarterAQB in the SavingsMax a/c is less than Rs10,000/- Rs. 1,500/- per quarterHowever, if the SavingsMax a/c AQB is <25,000/- but FD

balance is >=100,000/- no minimum balance charges will apply.Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr.

Cash Transaction Self/Third party cash transactions at non-home branches through teller counters Upto Rs. 50,000 - per day Free. Above Rs. 50,000 - Rs. 2.90 per 1000 on the full amountThird party cash transactions at home branch through teller counters Free of charge

Cash Transaction Withdrawal ATM Card FreeATM Card - Replacement charges Rs. 100 (plus taxes)ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank FreeATM Card - Transaction charge for Non-Partner banks NA

ATM transaction at own bank Debit Card - Transaction Charge - HDFC Bank ATMs Free5 free in the qtr


Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 110 per cash withdrawal (plus taxes)

Debit Card Fees Debit Card - Annual Fee - Regular Free for all account holders for life timeDebit Card - Annual Fee - Gold Free for primary account holder for life time. Rs.250 per year (plus taxes) for other account holders.Debit Card - Annual Fee - Women's Card Free for all account holders for life time

Balance inquiry at own bank Free

Balance inquiry at Other banks Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry

Debit card renewal charges Debit Card - Renewal Fee - Regular NADebit Card - Renewal Fee - Gold Free for primary account holder for life time. Rs.250 per year (plus taxes) for other account holdersDebit Card - Renewal Fee - Women's Card NA

Replacement of Debit Card Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types)

Add-on debit card Add-on Debit Card - Regular FreeAdd-on Debit Card - Gold Card Rs. 250 per year (plus taxes)Add-on Debit Card - Women's Card Free


Free DDs/MCs per account per month with maximum of Rs. 50,000 per dayOnly DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at PhonebankingAbove Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD* upto Rs. 1 Lakhs Rs .30+(Corr. Bank charges if applicable)



Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below:Upto Rs. 500 Rs. 10Above Rs. 500 to Rs. 1000 Rs. 15Above Rs. 1000 to Rs. 5000 Rs. 25Above Rs. 5000 to Rs. 10,000 Rs. 30Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereofAbove Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300)


Account Statements - Free Monthly statements sent by postIssue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking.Hold Statement Rs. 400 per year

Cheque Books FreePAP Cheque book Upto Rs. 100,000 pm - No charges, Above Rs. 100,000 - Rs. 2.90 per 1000 on full amount

Pass Book FreeDuplicate passbook issuance* Rs 100/-

Chargeable Cash Transaction at Base Branch

5 free in the qtr & Rs. 30 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal)

Cheque book/Reorder of Cheque book

Rs. 5 per leaf on non maintenance of Min balance

Outstation cheque collection Collection of outstation cheques - our bank locations Cheques drawn on metro/non-metro cities (Branch Locations)

Cheque value Rs. 0 to Rs. 500 No ChargesCheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)* Credit on receipt of clear fundsCollection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50)Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50)* Credit on receipt of clear funds

Return of Cheque Cheque return charges drawn on us - Local Due to insufficient funds - Rs. 350Due to Technical reasons - No chargeRs. 400 on non-maintenance of Min balanceCheque return charges drawn on us deposited in other locations Rs. 75






Services & Features

Overdraft Facility

No

Reward Points

No

Internet Banking

Yes Free

Phone Banking

Yes Phonebanking - IVR FreePhonebanking - Non IVR FreeRs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive.

Mobile Banking

Yes Free

SMS Alerts Yes


The following are eligible to open a SavingsMax Account:Resident Individuals (sole or joint account).Minor below 18 yrs. (account only with guardian).Hindu Undivided Families.Foreign Nationals residing in India*.If you are a Foreign National residing in India, you may open a Savings Account by temporarily attaching an undertaking (QA 22 form), stating sources of credit and a copy of your Residence Permit.

Account Operation

A minimum deposit of Rs. 25,000/- is required to open an account and thereafter an Average Quarterly Balance of the same amount has to be maintained.If the AQB in the SavingsMax a/c >= 25,000/- and/or the balance in the FD is >= 100,000/-, no AQB non-maintenance charges will be levied.If the AQB in the SavingsMax a/c falls below 25,000/- and balance in the FD is also below 100,000 the following charges would be applicable:

AQB in the SavingsMax a/c between Rs10,000/- and Rs 25,000 Rs. 1000/- per quarterAQB in the SavingsMax a/c is less than Rs10,000/- Rs. 1,500/- per quarterHowever, if the SavingsMax a/c AQB is <25,000/- but FD balance is >=100,000/- no minimum balance charges will apply.Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr.Min Age 18 Yrs.

No Frill Account

Highlights

Bank HDFC Bank

Category No Frills


No minimum balance required

Interest Rate 3.5%


Main Features

Access a wide network of branches and over a thousand ATMs across the country to meet all your banking needs.

Bank conveniently with facilities like Free NetBanking and MobileBanking.

Use the Free Electronic Funds Transfer (EFT) facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI.

Enjoy Free IVR based PhoneBanking. (Agent assisted calls will be charged)

Get Free Quarterly Account Statements.

Access your account through a Free ATM Card.

Enjoy free Cash Deposits at Branch/ATM.

9 Free Cash withdrawals per Quarter at Branch and HDFC Bank ATMs.

o This includes 1 Cash withdrawal per month at the Branch and 2 Cash withdrawals per month at HDFC Bank ATMs.

o Additional ATM Cash withdrawals in the month will be charged Rs. 15/- per transaction. Other transactions like cheque deposit, balance enquiry and mini-statement at the ATMs will be free of charge and without any restrictions.

o Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Cheque deposits at branches will be free of charge and without any restrictions.

International Debit Card available only on request at the branch @ Rs. 100/- p.a. for each applicant.

First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf.


Enjoy InstaAlerts via e-mails or SMS at nominal charges.

Avail facilities like Safe Deposit Locker, Sweep-In and Super Saver on your account.


Fees & charges


NA

Cash Transaction Branch / ATM / Debit Card transactionsFree Cash Deposits at Branch / ATM9 Free Cash withdrawals per Quarter at Branch and HDFC Bank ATMsInterbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Free, Above Rs. 50,000 - Rs. 2.90 per 1000

* This includes 1 Cash withdrawal per month at the Branch and 2 Cash withdrawals per month at HDFC Bank ATMs

* Additional ATM Cash withdrawals in the month will be charged Rs. 15/- per transaction. Other transactions like cheque deposit, balance enquiry and mini-statement at the ATMs will be free of charge and without any restrictions

* Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Cheque deposits at branches will be free of charge and without any restrictions

ATM transaction at own bank Free


Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs-Rs. 55 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders)-Rs. 100 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - SBI/Andhra Bank ATMs-Rs. 20 per cash withdrawal (plus taxes)ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank-Rs. 20 per cash withdrawal (plus taxes)



Debit Card Fees Debit Card - Annual Fee - Regular Rs. 100 per year (plus taxes)Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes)Debit Card - Annual Fee - Women's Card Rs. 150 per year (plus taxes)

Balance inquiry at Other banks Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs-Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders)-Balance enquiry - Not available Debit Card - Transaction Charge - SBI/Andhra Bank ATMs-Rs. 10 per balance enquiry ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Rs. 10 per balance enquiry.



Add-on debit card Add-on Debit Card - Regular Rs. 100 per year (plus taxes)Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes)Add-on Debit Card - Women's Card Rs. 150 per year (plus taxes)


DD request through BranchUpto Rs. 10,000 Rs.50Rs. 40 (Senior Citizens / Individuals in Rural areas)Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking)Rs. 60 (Senior Citizens / Individuals in Rural areas)




Demand Drafts- Issued - On Non HDFC Bank LocationsRs. 50 plus charges as outlined below:

Upto Rs. 500 Rs. 10Above Rs. 500 to Rs. 1000 Rs. 15Above Rs. 1000 to Rs. 5000 Rs. 25Above Rs. 5000 to Rs. 10,000 Rs. 30Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereofAbove Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300)



Cheque Books First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf.PAP Cheque book NA


Outstation cheque collection Collection of outstation cheques - our bank locations -Cheques drawn on metro/non-metro cities (Branch Locations)Cheque value Rs. 0 to Rs. 500 No ChargesCheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)* Credit on receipt of clear fundsCollection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50)Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50)*Credit on receipt of clear funds

Return of Cheque Cheque return charges drawn on us - Local Due to insufficient funds - Rs. 350Due to Technical reasons - No chargeCheque return charges drawn on us deposited in other locations Rs. 75



Closure of Account Upto 14 days - No charge

15 days upto 6 months - Rs 100/-Above 6 months - No charge



Services & Features

Overdraft Facility No

Reward Points No

Internet Banking Yes Free

Phone Banking Yes Phonebanking - IVR FreePhonebanking - Non IVR Rs. 50 per call (Agent assisted calls).

Mobile Banking Yes Free

SMS Alerts Yes


The following are eligible to open a 'No Frills' Savings Account:Resident Individuals (sole or joint account).Hindu Undivided Families.

Account OperationNo Initial Payment is required to open a 'No Frills' account and No Average Quarterly Balance needs to be maintained.

Eligibility CriteriaCustomer can open a No Frills Savings account if he:Does not have a bank account & has an annual income of less than or equal to Rs. 50,000/- or

Does not have a bank account & is a beneficiary under a Government Welfare Scheme

Institiutional Saving Account

Highlights

Bank HDFC Bank

Category Regular



Interest Rate 3.5%

Card Offered None

Main Features

Zero balance account.

Payable at Par chequebook facility Free: You can now use your PAP chequebook at any of HDFC Bank locations (through Clearing only) without any charge.

Avail of Free Outstation Cheque Collection at HDFC Bank locations across the country.

You can also avail of special rates for outstation cheque collection at non-HDFC Bank locations.

Enjoy unlimited DDs on HDFC Bank locations Free.

Carry out cash transactions at any HDFC Bank branch. Third party cash transactions up to Rs.50,000/ - per day Free.

Get monthly account statements Free.

Avail special discounts on Foreign exchange transactions.

Bank from home using our 24-hour NetBanking & PhoneBanking service.

Collect fees, donations online using our Payment Gateway facility.

Invest your surplus funds smartly! Get valuable investment advice from our monthly newsletter absolutely Free.

Fees & charges

Cash Transaction Withdrawal Interbranch transactions through teller counters -Cash Withdrawals upto Rs.50,000 per day - FreeAbove Rs. 50,000 - Rs. 2.90 per 1000

Third party cash transaction limit of Rs.50,000 per day - Free. Above Rs.50,000 - Not Allowed

Cash Deposit Interbranch transactions through teller counters-Cash Deposits upto Rs. 50,000 per day - FreeLocal Cheque deposited for outstation accounts Cheque value Rs. 0 to Rs. 500 No ChargeCheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)

Balance inquiry at own bank Free


Free DDs on HDFC Bank locations without limitDD request through NetBankingUpto Rs. 1 Lakh FreeCorr bank charges applicableThird party DD* upto Rs. 1 Lakhs Free(*Third Party Registration required .Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address)

DD cancellation/Revalidation Rs 50




Account Statements - Free Monthly statements sent by postIssue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through PhoneBanking (IVR) & MobileBanking, Free through NetBankingHold Statement Rs. 400 per year

Cheque Books PAP Cheque Book Free - issued by default 25 leaves Free per calendar quarterNo charges on usage at HDFC Bank locations.

Outstation cheque collection Collection of outstation cheques - our bank locations Collection Free. Courier charges (Rs.20/-) applicableCollection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 25 per inst) + Courier charges (Rs.25/-) applicableCheques drawn on non-branch locations with no

correspondent bank tie-up/non-MICR cheques - 0.40% (Min Rs. 25 per inst) + Courier charges (Rs.25/-) applicable* Credit on receipt of clear funds

Return of Cheque Rs 75


Particular Cheque - Rs. 50 (Free through PhoneBanking & NetBanking),Range of Cheques - Rs. 100 (Free through PhoneBanking & NetBanking)




Services & Features


Reward Points No


Phone Banking Yes PhoneBanking - IVR FreePhoneBanking - Non IVR Free


SMS Alerts No


Registered trusts, associations, societies, clubs & such other institutions can apply for this account.This is a Zero Balance Account. There is no Average Quarterly Balance (AQB) requirement.Min Age 18 Yrs.

Payroll Account

Highlights

Bank HDFC Bank

Category Salary Account



Interest Rate 3.5%

Card Offered ATM cum Debit Card ATM Card NAATM Card - Replacement charges NADebit Card - Transaction Charge - HDFC Bank ATMs 6 free per month & Rs 30 per additional transaction

Main Features

Zero Balance Account.

Nil Interest payout on account balance

Personal Accident Insurance cover of Rs. 2,00,000/-

Free Payroll Debit Card - (max cash withdrawal at ATMs- Rs 15,000/- and Rs 25,000 at shopping avenues)

Branch transactions at Rs. 60/- per transaction.

Free Net Banking, Phone Banking, Mobile Banking.

BillPay facility at Rs 25/- (plus taxes) per qtr. per Customer ID.

InstaAlert facility at Rs 25/- (plus taxes) per qtr. per account.

Up to 6 free ATM cash withdrawal transactions; thereafter Rs. 30/- per transaction.

Six-monthly account statements.

Free Monthly email statements (optional).

Cheque book issuance @ charge of Rs.5 per leaf (only on request and this is not a standard offering )

Free Passbook facility available at home branch for account holders (individuals)

Fees & charges


Nil

Cash Transaction Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Free, Above Rs. 50,000 - Rs. 2.90 per 1000


ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank-Rs. 20 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs-Rs. 55 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders)-Rs. 100 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - SBI/Andhra Bank ATMs-Rs. 20 per cash withdrawal (plus taxes)



Debit Card Fees Debit Card - Annual Fee - Regular FreeDebit Card - Annual Fee - Gold Rs. 500 per year (plus taxes)Debit Card - Annual Fee - Women's Card Rs. 150 per year (plus taxes)

Balance inquiry at own bank Balance Enquiry - at Branch Rs. 60

Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 10 per balance enquiryDebit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry - Not availableDebit Card - Transaction Charge - SBI/Andhra Bank ATMs

Rs. 10 per balance enquiry

Debit card renewal charges Debit Card - Renewal Fee - Regular FreeDebit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes)Debit Card - Renewal Fee - Women's Card Rs. 150 per year (plus taxes)




DD request through BranchUpto Rs. 10,000 Rs. 50.Rs. 40 ( Senior Cistizens / Individuals in Rural Areas)Above Rs. 10,000 - Upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking)Rs. 60 for Senior Citizens / Individuals in Rural Areas.

**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking.Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD upto Rs. 1,00,000 Rs .30+(Corr. Bank charges if applicable)(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address)

DD cancellation/Revalidation Rs. 50.Rs. 40 (Senior Citizens / Individuals in Rural areas.)


Rs. 50 plus charges as outlined below:Upto Rs. 500 Rs. 10Above Rs. 500 to Rs. 1000 Rs. 15Above Rs. 1000 to Rs. 5000 Rs. 25Above Rs. 5000 to Rs. 10,000 Rs. 30Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part

thereofAbove Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300)


Account Statements - Free Monthly statements to be Collected from branch.Six -monthly statements sent by postIssue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement through Netbanking,Rs. 50 per statement through Phonebanking(IVR),ATM & Mobilebanking.Hold Statement Rs. 400 per year

Cheque Books Rs. 5 per leafPAP Cheque book NA

Pass Book FreeDuplicate passbook issuance* Rs 100/-

Outstation cheque collection Collection of outstation cheques - our bank locations Cheques drawn on metro/non-metro cities (Branch Locations)Cheque value Rs. 0 to Rs. 500 No ChargesCheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)* Credit on receipt of clear fundsCollection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50)Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50)*Credit on receipt of clear funds



Particular Cheque - Rs. 50 (Rs. 40 through Phonebanking), Range of Cheques - Rs. 100 (Rs. 80 through Phonebanking)

Closure of Account Before 6 months-Rs.100/-

Above 6 months-No Charge



Services & Features


Reward Points No


Phone Banking Yes Phonebanking - IVR FreePhonebanking - Non IVR Free


SMS Alerts No

Regular Salary Account

Highlights

Bank HDFC Bank




Interest Rate 3.5%

Card Offered ATM cum Debit Card ATM Card NAATM Card - Replacement charges NA

Main Features


Interest at the applicable savings account rate.

Free International Debit card with ATM cash withdrawal limit of up to Rs. 15,000 and

Rs. 25,000 (non-cash) at shopping avenues.

Free issuance of Demand Drafts up to Rs. 25,000 per instrument, payable at branches within the HDFC Banking network.

Free Net Banking, Phone Banking, Mobile Banking.

Free Sweep-in facility.

Free inter-city/branch banking.

Safe Deposit Lockers (subject to availability).

Quarterly statements.

Free Monthly email statements (optional)

Free Payable at Par Chequebook.

Preferential rates on loan products offered by the bank.

Preferential rates on forex transactions.

Billpay facility.

Free InstaAlert facility.


Fees & charges

Cash Transaction Interbranch transactions through teller counters - Cash transactions FreeThird party cash transactions at non-home branches through teller counters Upto a limit of Rs.10,000 per day - Rs.100 (plus taxes). Above Rs.10,000 - Not allowedThird party cash transactions at home branch through teller counters Free


ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 20 per cash withdrawal (plus taxes)ATM Card - Transaction charge for Non-Partner banks -NADebit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 55 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Rs. 100 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 20 per cash withdrawal (plus taxes)


Debit Card - Transaction Charge - Non HDFC Bank International ATMsRs. 110 per cash withdrawal (plus taxes)


Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 10 per balance enquiry.ATM Card - Transaction charge for Non-Partner banks -NADebit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry - Not available

Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 10 per balance enquiry


Add-on debit card Add-on Debit Card - Regular Rs 100 per year (plus taxes)-One Add-on card free for the first yearAdd-on Debit Card - Gold Card Rs. 500 per year (plus taxes)Add-on Debit Card - Women's Card Rs. 150 per year (plus taxes)


Free upto Rs.25,000DD request through BranchAbove Rs. 25,000 Upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking)& Rs. 60 for Senior Citizens / Individuals in Rural Areas

**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking.Above Rs. 50,000 & Upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD upto Rs. 1,00,000 Rs .30+(Corr. Bank charges if applicable)(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address)

DD cancellation/Revalidation Rs. 50.

Rs. 40 (Senior Citizens / Individuals in Rural areas.)




Account Statements - Free Monthly statements to be Collected from branch.Quarterly statements sent by postIssue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement through Netbanking,Rs. 50 per statement through Phonebanking(IVR),ATM & Mobilebanking.Hold Statement Rs. 400 per year

Cheque Books PAP Cheque book Free by default

Pass Book FreeDuplicate passbook issuance - Rs 100/-





Closure of Account Before 6 months-Rs 100/-After 6 months-No Charge



Services & Features


Reward Points No

Internet Banking Yes



SMS Alerts No

Premium Salary Account

Highlights

Bank HDFC Bank




Interest Rate 3.5%


Main Features

Free International Debit Card and Add-on Debit card for life.

Free Personal Insurance Accident cover up to Rs. 2,00,000/- on the Debit card.

Free Debit card withdrawals - max cash withdrawal at ATMs- Rs 25,000/- and Rs 50,000 (non-cash) at shopping avenues.

Preferential rates for Gold and Silver credit cards.

Free Demand Drafts up to Rs. 25,000 per instrument, per instrument payable at

branches within the HDFC Banking network.

Free BillPay and Insta Alert facility.


Free monthly account statements. Free Monthly email statements (optional). Free ATM transactions on non-HDFC Bank Visa/Cirrus network ATM's.

Free Passbook facility available at home branch for account holders (individuals)

Fees & charges

Cash Transaction Interbranch transactions through teller counters - Cash transactions FreeThird party cash transactions at non-home branches through teller counters Upto a limit of Rs.10,000 per day - Rs.100 (plus taxes). Above Rs.10,000 - Not allowedThird party cash transactions at home branch through teller counters Free of charge

Cash Deposit Cheques deposited - outward Rs. 50

ATM transaction at own bank Debit Card - Transaction Charge - HDFC Bank ATMs Free


ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 20 per cash withdrawal (plus taxes)ATM Card - Transaction charge for Non-Partner banks NADebit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 55 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 110 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Rs. 100 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 20 per cash withdrawal (plus taxes)



Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 10 per balance enquiry ATM Card - Transaction charge for Non-Partner banks NADebit Card - Transaction Charge - Non HDFC Bank

Domestic ATMs 10 free transactions per month Rs. 15 per balance enquiryDebit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry - Not availableDebit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 10 per balance enquiry



Add-on debit card Add-on Debit Card - Regular FreeAdd-on Debit Card - Gold Card Rs. 500 per year (plus taxes)Add-on Debit Card - Women's Card Rs. 150 per year (plus taxes)


Free upto Rs.25,000DD request through BranchAbove Rs. 25,000 upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking) & Rs. 60 for Senior Citizens / Individuals in Rural Areas.**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking.Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD upto Rs. 1,00,000 Rs .30+(Corr. Bank charges if applicable)(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address)

DD cancellation/Revalidation Rs. 50Rs. 40 (Senior Citizens / Individuals in Rural areas.)


Rs. 50 plus charges as outlined below:Upto Rs. 500 Rs. 10Above Rs. 500 to Rs. 1000 Rs. 15

Above Rs. 1000 to Rs. 5000 Rs. 25Above Rs. 5000 to Rs. 10,000 Rs. 30Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereofAbove Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300)


Account Statements - Free MonthlyIssue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement through Netbanking,Rs. 50 per statement through Phonebanking(IVR),ATM & Mobilebanking.Hold Statement Rs. 400 per year

Cheque Books PAP Cheque book Free by default






Closure of Account Before 6 months-Rs 100/-After 6 months-No Charge



Services & Features


Reward Points No




SMS Alerts No


Min Age 18 Yrs.

Defence Salary Account

Highlights

Bank HDFC Bank




Interest Rate 3.5%


Main Features

The Defence Salary Account is a Zero Balance account.

Free for life International Debit Card and one add-on Debit Card with no annual fees for the first year.

Enjoy facilities like NetBanking, PhoneBanking, MobileBanking, BillPay, ATM facility, inter-city and inter-branch banking.

Free Funds Transfer to any other HDFC Bank account in any city/branch and free

Demand Drafts up to Rs. 25,000/-.

Enjoy preferential rates on Loans Against Shares, New Car Loans and Used Car Loans, Consumer Loans and Personal Loans.


Enjoy Free InstaAlert Facility.

Free Monthly Accounts Statements - Free Monthly email statements (optional).


Fees & charges

Cash Transaction Interbranch transactions through teller counters - Cash transactions Free




Debit Card - Transaction Charge -Non HDFC Bank Domestic ATMs Rs. 55 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Rs. 100 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 20 per cash withdrawal (plus taxes)





Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 10 per balance enquiry ATM Card - Transaction charge for Non-Partner banks NADebit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry - Not available


Debit card renewal charges Debit Card - Renewal Fee - Regular Free

Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes)Debit Card - Renewal Fee - Women's Card Rs. 150 per year (plus taxes)




Free upto Rs.25,000DD request through BranchAbove Rs. 25, 000 upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking)Rs. 60 for Senior Citizens / Individuals in Rural Areas.

**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking.Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD upto Rs. 1,00,000 Rs .30+(Corr. Bank charges if applicable)(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address)

DD cancellation/Revalidation Rs. 50Rs. 40 (Senior Citizens / Individuals in Rural areas.)



Statement/Duplicate Account Account Statements - Free Monthly statements to be

Statement Collected from branch.Quarterly statements sent by postIssue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement through Netbanking,Rs. 50 per statement through Phonebanking(IVR),ATM & Mobilebanking.Hold Statement Rs. 400 per year

Cheque Books FreeDuplicate passbook issuance Rs 100/-


Outstation cheque collection Collection of outstation cheques - our bank locations Cheques drawn on metro/non-metro cities (branch locations)cheque value 0-500 No chargecheque value 501 & above Rs 1 per 1000(min Rs.50)*Credit on receipt of clear fundsCollection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50)Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50)*Credit on receipt of clear funds




Closure of Account Before 6 months-Rs 100After 6 months-No Charge



Services & Features


Reward Points No

Internet Banking Yes

Free



SMS Alerts No


Min Age 18 Yrs.

No Frills Salary Account

Highlights

Bank HDFC Bank



No Initial Payment is required to open a 'No Frills' account and No Average Quarterly Balance needs to be maintained.

Interest Rate 3.5%

Card Offered ATM cum Debit Card ATM Card FreeATM Card - Replacement charges Rs.100 (plus taxes)

Main Features

Access a wide network of branches and over a thousand ATMs across the country to eet all your banking needs.

Bank conveniently with facilities like Free NetBanking and MobileBanking.

Use the Free Electronic Funds Transfer (EFT) facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI.

Enjoy Free IVR based PhoneBanking. (Agent assisted calls will be charged*).

Get Free Quarterly Account Statements.

Free Monthly email statements (optional).

Access your account through a Free ATM Card.

Enjoy free Cash Deposits at Branch/ATM.

Free Cash withdrawals per Month at Branch and HDFC Bank ATMs

o This includes 1 Cash withdrawal per month at the Branch and 2 Cash withdrawals per month at HDFC Bank ATMs

o Additional ATM Cash withdrawals in the month will be charged Rs. 15/- per transaction. Other transactions like cheque deposit, balance enquiry and mini-statement at the ATMs will be free of charge and without any restrictions

o Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Cheque deposits at branches will be free of charge and without any restrictions

Free ATM Card for life.

International Debit Card available only on request at the branch @ Rs. 100/- p.a. for each applicant.

First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf.


Enjoy InstaAlerts via e-mails or SMS at nominal charges.

Avail facilities like Safe Deposit Locker, Sweep-In and Super Saver on your account.

Free Passbook facility available at home branch for account holders (individuals) .

Fees & charges


Cash Transaction Withdrawal Branch transactions 1 Cash Withdrawal per month is free, additional cash withdrawal trxs. will be charged at Rs. 50 per trnxs.


ATM transaction at own bank Debit Card - Transaction Charge - HDFC Bank ATMs 2 free

per month & Rs 15 per additional transaction


ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 20 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 55 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 110 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Rs. 100 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 20 per cash withdrawal (plus taxes)


Balance inquiry at own bank Balance Enquiry - at Branch FreeATM Card Transaction Charge - HDFC Bank ATMs Only 2 Free ATM Cash withdrawals per month. Additional trnxs. @ Rs. 15. Other Transactions Cheque deposit, Balance enquiry, mini-statement free.

Balance inquiry at Other banks ATM Card - Transaction charge for Non-Partner banks NAATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 10 per balance enquiry Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 15 per balance enquiryDebit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiryDebit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry - Not available




Add-on debit card Add-on Debit Card - Regular Rs. 100 per year (plus taxes)Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes)Add-on Debit Card - Women's Card Rs. 150 per year (plus taxes)


DD request through BranchUpto Rs. 10,000 Rs. 50 / Rs 40( Senior Citizens / Individuals in Rural areas.Above 10,000 - Upto Rs. 50,000/- Rs 75 (Rs.50 through Phonebanking)Rs 60 ( Senior Citizen / Individuals in Rural areas)

** Only DD amount upto Rs 1,00,000 for Preferred & Rs 50,000 for other customers accepted at PhonebankingAbove Rs.50,000 & upto Rs 1 Lakh Rs 2.50 per 1000 or part thereof ( Min Rs 150 )Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5,000)DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address)

DD cancellation/Revalidation Rs. 50 / Rs 40 (Senior Citizens / Individual in Rural Areas)




Account Statements - Free Free Quaterly (by post), Free monthly statements if the customer collects from the branchIssue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement through Netbanking,Rs. 50 per statement through Phonebanking(IVR),ATM & Mobilebanking.Hold Statement Rs. 400 per year

Cheque Books First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/-

per cheque leaf.PAP Cheque book - NA






Closure of Account Before 6 months - Rs. 100, After 6 months - No Charge



Services & Features


Reward Points No


Phone Banking Yes Phonebanking - IVR FreePhonebanking - Non IVR Rs. 50 per call ( agent based)


SMS Alerts No


The following are eligible to open a 'No Frills' Savings Account:The customer should be employed with the corporate having a salary relationship with HDFC bank.Employee's average salary needs to be below Rs. 4,000/- per month.Account OperationNo Initial Payment is required to open a 'No Frills' account and No Average Quarterly Balance needs to be maintained.Min Age 18 Yrs.

Kid's Advantage Account

Highlights

Bank HDFC Bank

Category Regular


Rs. 5000 (Urban & Semi-urban)NIL with a Fixed deposit of Rs. 10,000

Interest Rate 3.5%


Main Features

Builds up savings for your child's future.

Automatically increases the balance in your Kids Advantage.

Account by transferring a fixed sum from your Savings Account every month.

Amounts in excess of Rs. 5,000/- over and above a balance of Rs. 10,000/- gets converted into Fixed Deposits for a specified period in your child's name.

Free International Debit Card for your child (above 7 years of age) with a maximum

drawing capability of Rs. 2,500/- per day.

Free Education Insurance cover of up to Rs. 1,00,000/- for your child with every Kids Advantage Account.

Net Banking facility to monitor both, your Savings Account as well as your Kids Advantage Account.

Free Funds Transfer between your Savings Account and your Kids Advantage Account.

Opt for systematic Investment in Mutual Funds to plan for your childs future.

Free InstaAlerts for all account holders for lifetime of the account.



Fees & charges


AQB less than Rs. 5000 (Urban & Semi-urban) - Charges of Rs. 300 per qtr





Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Rs. 10 per balance enquiry ATM Card - Transaction charge for Non-Partner banks NADebit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiryDebit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry - Not available Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 10 per balance enquiry


Replacement of Debit Card Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types)



DD request through BranchUpto Rs. 10000 Rs.50Rs. 40 (Senior Citizens / Individuals in Rural areas)Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking)Rs. 60 (Senior Citizens / Individuals in Rural areas)

**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at PhonebankingAbove Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD* upto Rs. 1 Lakhs Rs .30+(Corr. Bank charges if applicable)(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address)



Rs. 50 plus charges as outlined below:Upto Rs. 500 Rs. 10Above Rs. 500 to Rs. 1000 Rs. 15Above Rs. 1000 to Rs. 5000 Rs. 25Above Rs. 5000 to Rs. 10,000 Rs. 30Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part

thereofAbove Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300)



Cheque Books FreePAP Cheque book NA


Outstation cheque collection Collection of outstation cheques - our bank locations Cheques drawn on metro/non-metro cities (Branch Locations)Cheque value Rs. 0 to Rs. 500 No ChargesCheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)* Credit on receipt of clear fundsCollection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50)Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50)* Credit on receipt of clear funds





Interest Certificate Rs 50


Services & Features

Overdraft Facility

No

Reward Points

No

Internet Banking

Yes Free

Phone Banking


Mobile Banking

Yes Free

SMS Alerts No


You can open a Kids Advantage Account as long as your child is a minor and you have a Savings Account with us.If you do not have a HDFC Savings Account, you will need to open an account.How to Open a Kids Advantage AccountOpen a Savings Account with HDFC Bank (If you already have a savings account with us, you need not open a new account).Invest a minimum sum of Rs. 10,000/- in the name of your child as a Fixed Deposit with a minimum term period of 6 months and 1 day. A new Kids Advantage Account that links to this Fixed Deposit will be opened up in your child's name.Instruct the bank to transfer a standard amount (min. Rs. 500/-) from your Savings Account every month to your child's Kids Advantage Account.Over a period, when the balance in the Kid's Advantage Account exceeds Rs.10,000/-, the amount in excess of Rs.5,000 will be transferred into a new Fixed Deposit, for a specific period in your child's name.If the balance in your child's Fixed Deposit falls below Rs. 10,000/- service charges will apply.

Pension Saving Bank Account

Highlights

Bank HDFC Bank

Category Senior Citizen



Interest Rate 3.5%


Main Features

The Pension Saving account is a Zero Balance Account. Timely credit of receivables. Free International Debit Card.

Enjoy facilities such as NetBanking, PhoneBanking, BillPay, ATM facility, inter-city and inter-branch banking.

Pension Accounts are transferable from one branch/bank to another.

The HDFC Bank advantage

o Pension Accounts are opened immediately after advice, and deliverables reach in time- within the 1st and 5th of the new month (in case of EPFO) and last day of the month (in case of Central Govt. Civil Pensions).

o Timely communication to the customer on receipt of the PPO.

o No delays in commencement of pension disbursals (subject to all the stipulated terms/conditions are fulfilled by the pensioner).

o Dispatch of credit advice containing detailed calculations of the amount credited each month within 10 days of the payment.

o Timely issue of Form- 16A (by April 15th) for tax deducted at source in the immediately previous financial year.

o Timely intimation of revisions due to changes in rates of Pension or Dearness Allowance.

o Immediate action in case family pension devolves to the spouse.

Fees & charges

Cash Transaction Interbranch transactions through teller counters - Cash transactions Free

Cash Transaction Withdrawal ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 20 per cash withdrawal (plus taxes)ATM Card - Transaction charge for Non-Partner banks NADebit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 110 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders)Rs. 100 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 20 per cash withdrawal (plus taxes)




Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 10 per balance enquiry ATM Card - Transaction charge for Non-Partner banks NADebit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 15 per balance enquiryDebit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry - Not available




Add-on debit card Add-on Debit Card - Regular Rs. 100 per year (plus taxes) - One add-on card free for the first yearAdd-on Debit Card - Gold Card Rs. 500 per year (plus taxes)Add-on Debit Card - Women's Card Rs. 150 per year (plus

taxes)


DD request through BranchUpto Rs. 10000 Rs.50Rs. 40 (Senior Citizens / Individuals in Rural areas)Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking)Rs. 60 (Senior Citizens / Individuals in Rural areas)**Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking.

Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)DD request through NetbankingUpto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address)





Account Statements - Free Monthly statements to be Collected from branch.Quarterly statements sent by postIssue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement through Netbanking,Rs. 50 per statement through Phonebanking(IVR),ATM & Mobilebanking.Hold Statement Rs. 400

Cheque Books FreePAP Cheque book NA

Outstation cheque collection Collection of outstation cheques - our bank locations

Cheques drawn on metro/non-metro cities (Branch Locations)Cheque value Rs. 0 to Rs. 500 No ChargesCheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)* Credit on receipt of clear fundsCollection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50)Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50)*Credit on receipt of clear funds




Closure of Account Before 6 months - Rs. 100, After 6 months - No Charge

Interest Certificate Rs 50


Services & Features


Reward Points No




SMS Alerts No


The following are eligible to open a Pension Saving Bank Account:

All employees of central government and civil ministries who are covered under the Central Government Civil Pension Scheme operated by Central Pension Accounting Office, Department of Expenditure and Ministry of Finance.All the employees of an establishment with a workforce strength of more than 20 (including contract employees) and who have opted to be members of the EPS 95 scheme.Existing members of "Member of Employees" Family Pension Scheme.

Procedure & OperationA Pension Salary Account can only be opened in an individual's name.The account can be opened up to two months before the date of retirement.The details of your HDFC Bank Pension Salary Account will have to be furnished to your employer.After retirement, the RPFC/CPAO will forward the Pension Payment Order (PPO) to our designated office.You will then receive intimation to complete documentation at the designated branch.After the pensioner's portion of the PPO is handed over, the pension will start getting credited to your account every month.Min Age 60 Yrs.

Family Savings Account

Highlights

Bank HDFC Bank

Category Regular


Rs. 25,000 (Urban & Semi-urban)

Interest Rate 3.5%


Main Features

All account holders can operate their account freely without worrying about their minimum balance.

Family members with NRI status can also be part of the group.

Get 5 Free Cash withdrawal transactions on SBI ATMs per group per month.

Upto 2 free DD's/ MC's on HDFC Bank locations per account per month (max. up to Rs. 25,000/- per instrument per day).

Free International Debit Card for all account holders till the account is part of the Family group. (NRO Accounts will be issued only ATM cards).

Free BillPay & InstaAlerts facility for all account holders till the account is part of the Family Group.

Free Standing Instructions for investment into Mutual Funds.

Free OneView to access all your accounts.

Free MobileBanking, NetBanking & PhoneBanking.

Enjoy a Savings account to Savings acount sweep-in to a nominated account (sweep-in to NRE accounts not permitted from resident / NRO accounts).

Payable-at-par facility at a nominal cost for all accounts in the family group. (Available only on request at the branch.)

Cash delivery @ Rs. 50/- per delivery. (Available in select cities only).


Free Email statements .

Fees & charges


AQB between Rs. 25,000 & Rs. 10,000 - Charges of Rs. 1000 per group per qtr. Charged to the account with the highest balance.AQB is less than Rs. 10,000 - Charges of Rs. 1500 per group per qtr. Charged to the account with the highest balance.



Cash withdrawal at ATMs in India ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Rs. 20 per cash withdrawal (plus taxes)Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 55 per cash withdrawal (plus taxes) 20Debit Card - Transaction Charge - SBI/Andhra Bank

ATMs Rs. 20 per cash withdrawal (plus taxes)





Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Rs. 10 per balance enquiryATM Card - Transaction charge for Non-Partner banks NADebit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 15 per balance enquiryDebit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiryDebit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 10 per balance enquiry





2 free DDs/Mcs per account per month with maximum of Rs. 25,000 per DD per dayDD request through BranchUpto Rs. 10000 Rs.50Rs. 40 (Senior Citizens / Individuals in Rural areas)

Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking)Rs. 60 (Senior Citizens / Individuals in Rural areas)







Cheque Books FreePAP Cheque book Upto Rs. 50,000 pm - No charges, Above Rs. 50,000 - Rs. 2.90 per 1000 on full amount


Outstation cheque collection Collection of outstation cheques - our bank locations Cheques drawn on metro/non-metro cities (Branch Locations)Cheque value Rs. 0 to Rs. 500 No ChargesCheque value Rs. 501 & above Re. 1 per 1000 (Min Rs.

50)* Credit on receipt of clear fundsCollection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50)Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50)*Credit on receipt of clear funds







Services & Features


Reward Points No




SMS Alerts No

Special Offers

Avail Preferential pricing on:

o Lockers : 25% Discount on the annual rent.

o Gold Debit Card : Rs. 250/- for life for all account holders till they are a part of the Family Savings Group.

o Demat Account : 1st year Folio maintenance charges waived for all new demat accounts opened.

o HSL Trading a/c : Special Registration price of Rs. 799/- for all new HSL accounts opened.

o Forex : Charges applicable on purchase of traveller's cheques waived for Family group customers.

o Mudra Gold Bars : Special relationship discount.

o Titanium Credit Card : Special one-time fee of Rs. 999/- for the primary applicant of all a/cs grouped. Add-on cards free.

o Gold Credit Card : Special one-time fee of Rs. 750/- for the primary applicant of all a/cs grouped. Get an add-on card Free.

o Silver/Value Plus Credit Card : Free for life-time.


All members should hold individual HDFC Bank accounts.A member of the family with an NRI status can also be part of this group account.No more than 4 members can form a Family Savings Group.

Kisan NoFrills Savings Account

Highlights

Bank HDFC Bank

Category Regular


No minimum balance requiredInitial Pay-in Nil

Interest Rate 3.5%

Card Offered ATM Card ATM Card FreeATM Card - Replacement charges Rs. 100 (plus taxes).

Main Features

Initial Pay-In & AQB requirement = Nil.

Free Cash Deposit at ATM / Branch.

One Branch Cash Withdrawal Transaction & Two ATM Withdrawal Transactions Free per month.

Free Balance Enquiry / Cheque Deposit / Mini Statement transactions on HDFC Bank ATMs.

One Cheque book of 25 Leaves free.

Free NetBanking , MobileBanking and PhoneBanking.


Free Monthly email statements .

Fees & charges

ATM transaction at own bank Balance Enquiry / Cheque Deposit / Mini Statement transactions on HDFC Bank ATMs FreeBranch transactions Free Cash Deposit at ATM / Branch.One free cash withdrawal transaction at Branch & Two free ATM withdrawal transactions per month.


Account Statements - Free Quarterly statements sent by post.

Cheque Books One 25 Leaves Cheque Book freeExtra Cheque Book @ Rs. 5 per leave.


Services & Features


Reward Points No


Phone Banking Yes Free


SMS Alerts No


Resident Individuals (sole or joint account) who may be an Agriculturalists / Farmers having own Agricultural Land or having income from Agricultural Resources.

Account OperationInitial Pay-In & AQB requirement = NilCharges on non-maintenance of AQB = NilExtra cheque books @ Rs. 5 per leave.Additional cash withdrawal Rs. 15 and Rs. 50 per transaction for ATM & Branch respectively.SB a/c opening form.Valid ID/ Address Proof.PAN Card / Form 61.Form 60 (if required).1 Passport Size photograph.KYC & AML Form.

Kisan Club Savings Account

Highlights

Bank HDFC Bank

Category Privileged Account

Minimum AQB Rs.5,000 (Urban Branches)

(Average Quarterly Balance) Rs.2,500 (Semi Urban Branches).NIL with a Fixed Deposit of Rs. 50,000Initial Pay-in Option 1 Rs.5,000 (Urban Branches)Rs.2,500 (Semi Urban Branches).Option 2 Rs.5,000 with a Fixed Deposit of Rs.50,000.

Interest Rate 3.5%

Card Offered None

Main Features

Free Personalised Cheque Book.

Free PAP Cheque Book (issued only on request).

No Cheque Book Charges (issuance charges as per S&F brouchure apply).

Free International Debit Card for 1st Year.

Free Personal Accident Insurance cover of Rs.2.00 Lacs on Debit Card.

Inter Branch Banking.

Free PhoneBanking , MobileBanking and NetBanking.


Free Monthly email statements .

Fees & charges


Non-maintenance of AQB would be attract charges of Rs.750 per quarter.Non-maintenance of Rs 50,000 in Fixed Deposit would attract charges of Rs. 750 per quarter.

ATM transaction at own bank Balance Enquiry / Cheque Deposit / Mini Statement transactions on HDFC Bank ATMs Free

Debit Card Fees International Debit Card Free for 1st Year. Annual Charges Rs. 100 applicable from 2nd year onwards.

Replacement of Debit Card Rs. 100 (plus taxes).

Statement/Duplicate Account Statement Account Statements - Free Quarterly statements sent by post.

Cheque Books One 25 Leaves Personalised Cheque Book freePAP Cheque book free (issued only on request).


Services & Features


Reward Points No


Phone Banking Yes Free


SMS Alerts No


Eligibility & Account OperationResident Individuals (sole or joint account) who are involved in the process of farming and own Agricultural Land.

Account Operation

Option 1: Initial Pay-In & AQB requirement is Rs. 5000/-. In case of Semi Urban Branches

AQB is Rs. 2500/-. Charges on non-maintenance of AQB - Rs.750/- per quarter.Option 2: Min. AQB Nil (A/c to be opened with Rs.5000). Fixed Deposit maintenance Rs. 50,000/-. Charges on non-maintenance (Rs. 50,000 in FD or Rs.5000 AQB) - Rs.750/- per quarter.Valid ID/ Address Proof.Copy of land revenue record of the farmer (Jamabandi / Khasra Khatoni No.) *Cheque / Cash for Initial pay-in.

hdfc accounts - full details

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