Common Charges For Current Account Common Charges For Debit Cards Zero NMC Criteria

Account Services Replacement Fees Free for Damaged Card; `200 for Lost Card • Zero NMC Charges for 2nd quarter of account opening if customer is
Balance Inquiry* `30 per instance Digitally active. Digital Activation comprises of Debit Card Activation
Re-issuance of PIN Free through ATM/NetBanking
Cheque status per instance* `25 `50 in case of Physical PIN
(on ATM or POS), Bill Pay usage and NetBanking or MobileBanking active
within first 2 months of account opening
Balance Confirmation Certificate & Interest Certificate* `100 ATM Usage
Signature, Photograph Verifications* `100 Transaction Type Non-Financial Financial • Additional Criteria for Zero NMC Charges provided Quarterly Credit
TDS Certificate & Address Confirmation* Free Volume through ME/PG/MPOS is either more than or equal to `3 lacs (in case
HDFC Bank ATMs Free
of Activ Current Account) OR more than or equal to `5 lacs (in case Ascent
Old Records/Copy of Paid Cheque* `80 per record Non HDFC Bank ATMs Current Account) OR more than or equal to `30 lacs (in case of Max
Maximum of 5 transactions free in a month with a
Standing Instructions (Monthly Charges) Setting Up: Nil cap of maximum 3 free transactions in top 6 cities Advantage Current Account)
Any deliverable returned by courier due to negative Domestic (Transactions done in Mumbai, New Delhi,
Chennai, Kolkata, Bengaluru and Hyderabad ATMs Terms & Conditions
reasons (no such consignee/ consignee shifted and `50 per instance
no such address) will be considered as Top 6 cities) • Daily Third Party Cash Withdrawal limit for Current Account at Non-Home
*Charges beyond free limit @ `21 per transaction Branch is `50,000 per transaction
One time Mandate Authorisation charges
`40 per mandate • Operating limit for Cash Deposit at Non-Home Branches (Per Day) is
(Physical/Online) International* `25 per transaction `125 per transaction
`5,00,000
Cardless Cash withdrawal `25 per transaction *Transaction decline charge at other bank ATM anywhere in the world or at
merchant outlet outside of India, due to insufficient funds - `25 per transaction • For Accounts maintaining an AQB less than required product AQB as of
*Account Services at Branch previous quarter will be charged `25 each for next 3 monthly statements
Transaction Through PhoneBanking Account Closure Charges • All Free limits will lapse if AQB maintained is less than 75% of required
Closure: Up to 14 days OR Product AQB
IVR & Non IVR (Agent Assisted) Free No Charge
Closure: Beyond 12 months • GST as applicable will be levied
Re-generation of PhoneBanking TIN
Free Closure: 15 days to For Activ: `500, For Ascent: `1000, • Please log on to our website - www.hdfcbank.com for updated schedule of
(request received at branch for physical dispatch)
6 months For Max Advantage: `2000 charges and further details
Re-generation of IPIN
`40 per request Closure: 6 months to For Activ: `250, For Ascent : `500, • For cheque return technical reasons, please visit our website -
(request received at branch for physical dispatch)
12 months For Max Advantage: `1000 www.hdfcbank.com> Important Messages > Revision in Current Account

Current Account
Bill Pay and InstaAlert Fees and Service Charges > Common Charges
Cheques Deposited and Returned Unpaid
Bill Pay Free Glossary
`200 per instrument
InstaAlert Free (Email & SMS)
Local and Outstation
Free limit:
• AQB - Average Quarterly Balance
Schedule of Charges
*Ascent - Free up to 3 returns per month
Duplicate / Adhoc Statement Requests *Max Advantage - Free up to 5 returns per month
• Mode of Calculation of AQB - Average of daily closing balances of each day spread
for
(i) Through Direct Banking
channels
`50 per statement through NetBanking,
MobileBanking, PhoneBanking (IVR), ATM
Cheque Return Charges - Drawn on Us over a period of 3 months (calendar quarter) Max Advantage, Ascent &
(ii) At Branch or PhoneBanking `100 per statement through Branch and
Due to Insufficient Funds Up to 2 instruments per month `500 per
instrument; on 3rd onwards `750 per instrument
• AMB - Average Monthly Balance Activ Current Account
(Non - IVR) `75 through PhoneBanking (Non-IVR)
Due to technical reasons* `50 per instrument (e.g. - Date not mentioned, • Mode of Calculation of AMB - Average of daily closing balances of each day spread (Effective 1st November'2022)
Doorstep Banking post-dated, sign mismatch, etc.) over a period of one calendar month
Cash Pickup Limit Per Seal Bag Cash pickup Charges Particular Cheque `100
Stop Payment Range of Cheques `200 • NMC - Non maintenance Charges which are levied to the customer in case of
Up to 1 lac `200 per pickup (Free through NetBanking and PhoneBanking) non-maintenance of AQB/AMB/HAB of respective products
> 1 lac - 2 lacs `225 per pickup Fund Transfer `350 per instrument
• Home Location - Home Location branches refers to all the branches participating in
> 2 lac - 4 lacs `350 per pickup ACH Return Charges same clearing centre vis-à-vis branch where account is opened

GST is applicable. Cash Beyond above limits can be offered. Available at select locations. 1 to 3 transactions `350 per transaction • Non-Home Location - Non-Home Location branches refers to the branches which do
You need to register with the Bank for availing these services. Charges may vary in a month
depending upon the location. Please contact your branch manager for further details not participate in same clearing centre vis-à-vis branch where account is opened
Fourth instance `750 per transaction
Debit Cards (Only for Individuals & Sole Proprietor) and beyond • Home Branch - Home Branch refers to the branch wherein the customer's account
ECS (Debit) Return / Demand Draft | Pay Order Cancellation/ is opened
Debit Card EasyShop Businessa ATM Card
Revalidation / Standing Instruction Charges
Annual Fee per card Free Free • Non-Home Branch - Non-Home branch refers to the branch other than the branch
ECS (Debit) Return Charges Up to 3 returns - `350 per instance wherein customer's account is opened
Daily ATM limit `1,00,000 `10,000 (Quarterly Charges) 4th return onward - `750 per instance
Daily Merchant Establishment Charges for Demand Draft / • Total Transactions - Total Transaction includes count of Cash Deposit, Cash
`5,00,000 NA Pay Order Cancellation/ `50 per instrument Withdrawal, Cheque Clearing and Fund Transfer Transactions
Point of Sale limit
Revalidation
a. Also available for partnership firms & limited company current accounts. In case, the MOP Standing Instructions Rejection: Up to 3 returns `250 per instance
(Mode of Operation) is conditional, all AUS (Authorized Signatories) have to sign the form jointly (Monthly Charges) 4th return onward `750 per instance
 Product Name Activ Ascent Max Advantage
`10,000 (AQB) Metro and Urban – `50,000 (AQB) Metro and Urban- `5,00,000 (AQB)
Average Quarterly Balance (AQB)*
(Mandatory to bundle with ME / MPOS / MEAPP) Semi Urban and Rural – `25,000 (AQB) Semi Urban and Rural- `2,50,000 (AQB)
Non Maintenance Charges* (Per Quarter) `3,000 Metro and Urban- `8,000 Semi Urban and Rural- `4,000
Quarterly Credit Volume through ME/PG/MPOS Quarterly Credit Volume through ME/PG/MPOS Quarterly Credit Volume through ME/PG/MPOS
Zero NMC Criteria* is either more than or equal to `3 lacs is either more than or equal to `5 lacs is either more than or equal to `30 lacs
Zero NMC Charges for 2nd quarter of account opening if customer is Digitally active*
Features Standard Charges Free Limits, Thereafter Standard Charges
Cash Transactions
Combined Cash Deposit at Home Location & `3.5 per `1000, 10 times Current Month AMB* 12 times Current Month AMB*
Non Home Location (Monthly Free Limit) minimum of `50 per transaction (Upper Cap - `50 Crs) (Upper Cap - `75 crores)
Cash Withdrawal-Home Branch NIL Free
Cash Withdrawal- Non-Home Branch `2 per `1000, 10 times Current Month AMB* 12 times Current Month AMB*
(Monthly Free Limit) minimum `50 per transaction (Upper Cap - `50 Crs) (Upper Cap – `75 crores)
Cheque Leaves, Cheque / Fund Transfer (FT) - Collection & Payments
Cheque Leaves (Monthly Free limit) `2 per leaf 100 cheque leaves for every slab of `1 lacs of Current month AMB* Balance maintained (Upper Cap - 2000 cheque leaves)
Local Cheque Collections/Payments and Fund Transfer NIL Free
Anywhere (Inter-city) Cheque NIL Free
Collections/Payments and Fund Transfer
Total Transactions* (Monthly Free Limit) `25 per transaction 150 Total transactions for every slab of `1 lac of current month AMB* balance maintained (Upper Cap - 3000 Total transactions)
Demand Drafts and Pay Orders
Monthly free limit of 30 DD/POs for every slab of Monthly free limit of 50 DD/POs for every slab of
Pay Orders (PO) and Demand Drafts (DD) - `1 lac of current month AMB* balance maintained `1 lac of current month AMB* balance maintained Free
at Bank location (Monthly Free Limit) (subject to maximum of 1000 DD/PO), (subject to maximum of 1000 DD/PO),
Above free limits charges at `50 per instrument Above free limits charges at `50 per instrument

DD - Payable at Correspondent Bank Free up to `30 lacs per month, Above free
`1.50 per `1000
Location (Monthly Free Limit) - limits charges at `1.50 per `1000
Minimum `50 per instrument
Minimum `50 per instrument

RTGS / NEFT / IMPS Transactions

RTGS Payments Branch: Above `2 Lakh - `15
Free through Branch & NetBanking
per transaction
NEFT Payments Branch: Up to `1 Lakh - `2
per transaction; Above Free through Branch & NetBanking
`1 Lakh - `10 per transaction
IMPS Payments Up to `1,000 - `3.5;
Above `1,000 and up to `1 lac - `5; Standard Charges Free
Above `1 lac - `15
Outstation Cheque Collection
On Branch Locations (per instrument charges) - Free
Correspondent Bank Locations - Up to `35,000 - `50, Above `35,000 and up to `1 lac - `100,
(per instrument charges) Above `1 lac - `150
Clean Locations (per instrument charges) - Up to `25,000 - `50, Above `25,000 and up to `1 lac - `100, Above `1 lac - `150

Speed Clearing (per instrument charges) - Free