banking should be effortless. with hdfc bank, the efforts are

Banking should be effortless. With HDFC Bank, the efforts are rewarding. No matter what a customer's need and occupational status, we have a range of solutions that are second to none.

Whether you're employed in a company and need a simple Savings account or run your own business and require a robust banking partner, HDFC Bank not only has the perfect solution for you, but also can recommend products that can augment your planning for the future.

Savings Accounts

These accounts are primarily meant to inculcate a sense of saving for the future, accumulating funds over a period of time. Whatever your occupation, we are confident that you will find the perfect banking solution. Open an account in your name or register for one jointly with a family member today.

Regular Salary Savings Plus Classic SavingsMax Payroll No Frills Regular Senior Citizens Premium Retail Trust Defence Kids Advantage Kisan No Frills Savings Pension Savings Reimbursement Family Savings Kisan Club Savings

Current Accounts

Now, with an HDFC Bank Current Account, experience the freedom of multi-city banking! You can have the power of multi-location access to your account from any of our 1416 branches in 550 cities. Not only that, you can do most of your banking transactions from the comfort of your office or home without stepping out.

We make it our business to help you with your business by offering you a Current Account with all the benefits you need to stay ahead of your competition.

At HDFC Bank, we understand that running a business requires time and money, also that your business needs are constantly evolving. That's where we come in. We provide you with a choice of Current Account options to exclusively suit your business - whatever the size or scope.

Open an HDFC Bank Current Account & control your business operations centrally.

Plus Trade PremiumRegular RFC Domestic Flexi Current Apex Max

Choose the product most suitable for you:

Fixed Deposits

Long-term investments form the chunk of everybody's future plans. An alternative to simply applying for loans, fixed deposits allow you to borrow from your own funds for a limited period, thus fulfilling your needs as well as keeping your savings secure.

Regular Fixed Deposit SuperSaver Sweep-In5 Year Tax Saving Fixed Deposit

As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

Regular accounts

An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts and withdraw cash. Check up on your balances from the comfort of your home or office through NetBanking, PhoneBanking and MobileBanking. Need money urgently? Withdraw cash from any of the 3382 ATM centres spread across the country.

Features & Benefits

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.

Free cash withdrawals on any other Bank's ATM

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.

Saving plus account

Introducing the best banking option for you with HDFC Bank Savings Plus Account. Now you can get access to some of the finest banking facilities with HDFC Bank's Savings Plus Account. All you have to do is maintain an Average Quarterly Balance of Rs. 10,000/- and experience the benefits as mentioned below:

Features & Benefits

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


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.


Free Email Statement facility.

Saving max account

Welcome to a world of convenience. Presenting SavingsMax account, loaded with maximum benefits to make your banking experience a pleasure. By maintaining an average quarterly balance of just Rs. 25,000/- you get a host of premium services from HDFC Bank absolutely free*.

Features & Benefits

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 Rs. 2 lac per month. Above Rs. 2 lac, charge of Rs.3.50/- per Rs. 1,000/- on the full amount.

Free Demand Drafts on HDFC Bank locations, upto a limit ofRs. 1 lac per day.

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 “MoneyMaximizer” (sweep- out) facility for conversion of your surplus money into high earning fixed deposits, at the threshold of Rs.1,25,000/- . In the event of the balance in SavingsMax account exceeding / reaching Rs.1,25,000/-, the amount in excess of Rs.1,00,000/- will be swept out in to a Fixed Deposit with a minimum value of Rs.25,000/- 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 NetBanking, PhoneBanking & MobileBanking.


Free Email Statement facility .

Special Privileges

Insurance Benefits (applicable from 1st Aug 09)

Enjoy an Accidental Hospitalization cover of Rs. 1 lac per annum on your SavingsMax account.

You can also claim daily cash allowance* at Rs.1,000/- per day for a maximum of 15 days per year, for each day of hospitalization due to an accident.

This is a re-imbursement cover, extended only to the first holder of the SavingsMax account.

It would be applicable after the completion of the 1st calendar quarter, post the quarter of a/c opening.Eg. If the SavingsMax a/c is opened in August 2009, the insurance benefit will apply only from January 2010.

For the claim to be accepted & processed, the first holder of the SavingsMax account should have fulfilled the below 2 conditions -

Maintained an Average Quarterly Balance of Rs. 25,000/- (irrespective of enjoying the benefit of a zero balance account with a Fixed Deposit of minimum Rs. 1,00,000/-) in the calendar quarter previous to the quarter of the date of accident.

Should have done at least 1 purchase - point of sale (POS) transaction at a merchant establishment using the Debit Card in the previous 3 months before the date of

accident.

For further Terms & Conditions please click here

Preferential pricing on new Online Trading Accounts

Account opening charges Rs.399/- only (Regular pricing at Rs. 799/-) 1 lac of trade volumes free (Valid for 3 calendar months post the online trading a/c

opening month)

“No frills” saving account

In an effort to make banking simpler and more accessible for our customers, we have introduced the 'No Frills' Savings Account, which offers you all the basic banking facilities. You can even avail of services like NetBanking, Mobilebanking free of cost.

All this with a Zero Initial Pay-in and a Zero Balance account !

Read more about the benefits you get on the 'No Frills' Savings Account.

Features & Benefits

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

Bank conveniently with Free NetBanking

Use the Free National Electronic Funds Transfer (NEFT) facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI - though branches. Charges applicable through NetBanking*.

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/Cheque Deposits at Branch/ATM

Free cash withdrawal transactions at any Bank ATMS through Debit Card

1 Free Cash withdrawal per month at the Branch. Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction.

International Debit Card available only on request at the branch @ Rs. 100/- p.a. (plus applicable taxes) 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.

Free InstaQuery facility

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

Enjoy Free InstaAlerts via e-mails or SMS

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

Free Email Statement facility .

Senior citizens account:

HDFC Bank appreciates your needs and endeavours, which is why, we present an account especially dedicated to you, which like a dutiful child will help you fulfill your needs in the best manner possible.

Features & Benefits

Given below are some of the exclusive privileges you can look forward with the Senior Citizens Accounts

Shop with pride with your EasyShop International Debit Card offered free for life to the first applicant. Shop (Point Of Sale limit) upto Rs.25,000/- per day.

Enjoy an enhanced cash withdrawal limit of Rs.25,000/- per day on the Debit Card for withdrawals at any HDFC Bank ATM.Note: If the first applicant is a woman and new to the bank, our special Woman's Advantage Debit Card with ATM cash withdrawal limit Rs.20,000/- per day and shopping (Point Of Sale) limit of Rs.30,000/- per day will be issued free by default.


Payable-at-Par (PAP) chequebooks are issued free. With this facility, outstation cheques issued by you (for clearing) will be treated as local cheques, at any HDFC Bank location.

What's more, enjoy free PAP usage upto Rs.50,000/- per month. A nominal charge of Re.1/- per 1000 will apply above Rs.50,000/- on the full amount.

Keep a close eye on your account with the monthly account statements offered free ORAvail of free Passbook facility at your account branch.

Use the third party cash transaction facility at non-account branches, to have your near and dear ones deposit / withdraw cash upto Rs.50,000/- per day on your behalf for free. Above Rs 50,000 a charge of Rs 2.90/- per 1000 on the full amount would be applicable.

Use our PhoneBanking, MobileBanking and NetBanking facilities offered free to reach us with ease.

Avail free SMS alerts to know the transactions in your account.

Free Email Statement facility and National Electronic Funds Transfer facility available.

Special offers and benefits:

Get preferential rates on FDs

Special offers on new Demat Accounts #

Annual Maintenance Charge (AMC) waived off for the first year

50% AMC from second year onwards Dematerialisation of physical shares free for lifetime

# The offer is applicable only for the 1st Demat account linked to the Senior Citizens Savings Account

Special offers on new Online Trading Accounts

Account opening charges Rs.499/- only5 trades free .Valid for the next 3 months from the date of account opening

Gold Credit Card free*

Travellers’ Cheques issued free

Insurance Benefits* :

Get Accidental Hospitalisation cover of Rs.50,000/- per annum. This is a reimbursement cover for the first applicant.

You can also claim daily cash allowance* once a year (at Rs.500/- per day for a maximum of 15 days per year) for each day of hospitalisation due to an accident.

All you need to do is use your HDFC Bank Debit Card at a Merchant Establishment for purchase transactions !

Your claim will be processed only if you have used your HDFC Bank Debit Card for purchase at a Merchant Establishment at least once in the previous 6 months from the month of your accident.

Institutional saving account:

A specially designed account that offers twin benefits of a savings as well as a current account. Your funds continue to earn you interest while you enjoy hassle-free banking & a host of other features.

All this and more in a Zero Balance account!

Features & Benefits

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.

Kids advantage account:

Children these days are way ahead of their times. Make sure your investments don't fall short.

Now through HDFC Bank's Kid's Advantage Account you can ensure your child's secured future and fulfill all his dreams in time. The Kid's Advantage Account presents you a great way to accumulate savings for your child and provide him the head-start required to succeed in life. It's an account which grows with your child to meet his future monetary requirements.

Features & Benefits

For their Growing Needs

Free Education Insurance cover of Rs. 1,00,000/- in the event of death of the parent / guardian through vehicular accident by road, rail or air to safeguard the future of your child.

ATM/International Debit Card will be issued for children between 7-18 years of age in the child's name with your permission. The amount your child is able to withdraw is Rs. 1,500/- at ATMs or spend Rs. 1,000/- at merchant locations.


Free Personalised cheque book for your child.

Monitor the transactions of your child's account with the free quarterly physical statement of account or free monthly Email Statement of account.

Free NetBanking for you to monitor your child's account.

Free SMS/Email alerts informing you about the account transactions.

For their Secured Future

Standing Instruction to transfer any amount from your account to your Kid's Advantage Account every month (Minimum value = Rs. 1,000/- & Minimum tenure = 1 year) (Mandatory).

Once the balance in the Kid's Advantage Account reaches/exceeds Rs. 35,000/-, the

amount in excess of Rs. 25,000/- will automatically be transferred into a Fixed Deposit for 1 year 1 day, in your child's name, by signing in for our sweep-out facility.

You can also opt for systematic investments in mutual funds from the Kid's Advantage Account in your child's name.

Pensions saving banking account:

A Pension Saving Account is a Zero Balance Account that accumulates your pension over the years. It comes with a free International Debit Card and facilities like Phone and Net Banking. You can access this Account from any branch within the HDFC network and also request for transfer to another bank.

Features & Benefits

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

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).

Timely communication to the customer on receipt of the PPO.

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

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

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

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

Immediate action in case family pension devolves to the spouse.

Family saving account:

The Family Savings Group links together upto four individual HDFC Bank accounts (same family) under a single group. Take advantage of the group Average Quarterly Balance (AQB) and operate your individual accounts without worrying about minimum balance.

Features & Benefits

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.


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***


Free Email statements .

***Available in select cities only.

Avail Preferential pricing on:

Lockers : 25% Discount on the annual rent.

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

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

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

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

Mudra Gold Bars : Special relationship discount.

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

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.

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

Kisan club saving account:

Features & Benefits

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 .

Classic saving account:

The Classic Salary account is a Zero Balance Account which earns you interest on your savings from salary at a competitive rate fixed by the bank from time to time. There is no fee applicable for branch transactions and you receive banking statements once every six months.

Features & Benefits

Zero Balance Account

Free personalised cheque books

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

Free facilities like NetBanking, PhoneBanking and MobileBanking.

Free inter-city and inter-branch banking

Half yearly statements.

Free Monthly email statements (optional)

BillPay facility

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

Payroll account:

The HDFC Bank payroll account comes with the following benefits and features.

Features & Benefits

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 NetBanking, PhoneBanking, MobileBanking.

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

Free InstaAlert Facility.

Half yearly account statements.


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


Regular salary account:

The HDFC Bank Regular Salary account is a Zero Balance account and comes with below mentioned features and benefits.

Features & Benefits

No minimum balance required

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 NetBanking, PhoneBanking, MobileBanking

Free Sweep-in facility

Free inter-city/branch banking.

Safe Deposit Lockers (subject to availability)

Quarterly statements


Free Payable at Par Chequebook

Preferential rates on loan products offered by the bank

Preferential rates on forex transactions

BillPay facility

Free InstaAlert facility


Premium salary account:

A power-packed account for successful salaried professionals, the Premium Salary account comes with a free International Debit Card and add-on Debit card for life, with the option of choosing between a Silver or Gold credit card at preferential rates.

Features & Benefits

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, payable at branches within the HDFC Banking network

Free BillPay and InstaAlert facility


Free monthly account statements


Free ATM transactions on non-HDFC Bank Visa/Cirrus network ATM's


Fees & Charges for Premium Salary Account

Description of Charges Premium Salary Account

Minimum Balance (Average Quarterly Balance)

NIL

Charges on non maintenance thereof

NIL

PAP Cheque book Free by default

Account Statements - Free Monthly

Issue 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

Passbook issuance* Free

Duplicate passbook issuance* Rs 100/-

Managers Cheques/Demand Drafts- Issued - On HDFC Bank Locations

Free upto Rs.25,000

DD request through Branch

Above Rs. 25,000 upto Rs. 50,000

Rs. 75 (Rs. 30 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 Netbanking

Upto Rs. 1 LakhRs .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 beneficiary address)

Managers Cheque/Demand Drafts - Cancellation / Revalidation

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

Demand Drafts- Issued - On 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. 1000 to Rs. 5000

Rs. 25

Above Rs. 5000 to Rs. Rs. 30

10,000

Above Rs. 10,000 to Rs. 1 Lakh

Rs. 3 per 1000 or part thereof

Above Rs. 1 LakhRs. 6 per 1000 or part thereof (Min Rs. 300)

Cheque Collection - Local Clearing Zone

Free

Collection of outstation cheques - our bank locations

Charges for cheques drawn on Branch locations

Salary Account

Upto Rs 10,000"Rs. 50/-, Rs. 40/- for Rural branches"

Rs. 10,000/- to Rs. 1,00,000/- Rs. 100/-

Rs. 1,00,001/- and above Rs. 150/-

Collection of outstation cheques - other locations

Charges for cheques drawn on Non-Branch locations Salary Account

Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches"

Rs. 10,000/- to Rs. 1,00,000/- Rs. 100/-

Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local

Due to insufficient funds - Rs. 350

Due to Technical reasons - No charge

Cheque return charges drawn on us deposited in other locations

Rs. 75

Cheques deposited - outward Rs. 50

Balance Enquiry - at Branch Free

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

Interest Certificate Rs. 50

TDS Certificate Free

Account ClosureBefore 6 months-Rs 100/-

After 6 months-No Charge

Photo Attestation Rs. 50

Signature Attestation Rs. 50

Address Confirmation Rs. 50

Stop Payment ChargesParticular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking)

Cheque status per instance Rs. 25

Standing InstructionsSetting up Rs. 150, Rs. 25 per transaction plus remittance charge

Unarranged overdraft NA

Old records/copy of paid chequesUpto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record

Activation of dormant account No charges

Branch transactions Free

Interbranch transactions through teller counters - Funds Transfer

Free

Interbranch transactions through teller counters - Cash transactions

Free

Third party cash transactions at non-home branches through teller counters-

Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed

Third party cash transactions at home branch through teller counters

Free of charge

Local Cheque deposited for outstation accounts

Free

Phonebanking - IVR Free

Phonebanking - Non IVR Free

ATM Card NA

ATM Card - Replacement charges NA

ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank

NA

ATM Card - Transaction charge for Non-Partner banks

NA

Debit Card - Annual Fee - Regular Free

Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes)

Debit Card - Annual Fee - Women's Card

Rs. 100 per year (plus taxes)

Debit Card - Renewal Fee - Regular

Free

Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes)

Debit Card - Renewal Fee - Women's Card


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

Debit Card - Transaction Charge - HDFC Bank ATMs

Free

Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs

Balance enquiry and Cash withdrawal : Free

Debit Card - Transaction Charge - Non HDFC Bank International ATMs

Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes)

PIN regeneration charge Rs. 25 (plus taxes)

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)

Add-on Debit Card - Regular Free

Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes)

Add-on Debit Card - Women's Card


BillPay Free

InstaPay Rs. 10 (plus taxes) per transaction

InstaAlert Free

Visa Money Transfer Rs. 20 (plus taxes) per transaction

NEFT Charges - Inward NIL

NEFT Charges- outward NIL

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 - OutwardRs.1,00,000 to Rs.5,00,000 -Rs.25/-,Rs.5,00,000 and above - Rs. 50/-

RTGS - Inward NIL

Mobilebanking Free

Netbanking Free

ECS (Debit) Return Charges Rs 200 (plus taxes)

Defence account:

Are you a defence personnel employed with the Indian Armed Forces or the Indian Navy? Then this account is for you.Rather than collecting your cheque/cash at the end of the month, you can instruct your salary wing to start crediting your salary to your Defence Salary Account.

Features & Benefits

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)


Plus current account:

In today's fast-paced world, your business regularly requires you to receive and send funds to various cities in the country. HDFC Bank Plus Current Account gives you the power of inter-city banking with a single account and access to more than 550 cities.

From special cheques that get treated at par with local ones in any city where we have a branch, faster collection of outstation cheques (payable at branch locations), free account to account funds transfer between HDFC Bank accounts to Free inter-city clearing of up to 100 lakhs per month, our priority services have become the benchmark for banking efficiency.

Plus Current Account requires you to maintain an average quarterly balance of Rs. 100,000.

Read on to know the powerful plus points of the HDFC Bank Plus Current Account.

Features & Benefits

Free Account to account funds transfer between HDFC Bank accounts

Free payment and collection through RTGS.

Free payment and collection using NEFT (through Netbanking)

Free up to 50 Demand Drafts per month and can be issued from any HDFC Bank Branch

Free up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch.

Free anywhere collection & payment transactions (clearing) within HDFC Bank branch network (except Dahej), up to Rs.100 lacs per month.

Convenience to withdraw & deposit cash at all our branches*

300 "At Par" cheque leaves free per month.

Register for InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM!

HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a reputed agency.

Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

Trade current account:

In today's changing business requirements, you need to transfer funds across cities, and time is of the essence. HDFC Bank Trade Current Account gives you the power of inter-city banking with a single account.

From special cheques that get treated at par with local ones in any city where we have a branch, to free account to account funds transfer between HDFC Bank accounts, to free inter-city clearing of up to 50 lakhs per month, our priority services have become the benchmark for banking efficiency. Trade Current Account requires you to maintain an average quarterly balance of Rs. 40,000.

Read on to know the powerful features of the HDFC Bank Trade Current Account.

Features & Benefits

Free Account to account funds transfer between HDFC Bank accounts.

Free RTGS/NEFT Transactions.

Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFC Bank Branch.

Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch.

Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.50 lacs per month.

Convenience to withdraw & deposit cash at all our branches*

200 "At Par" cheque leaves per free month .



Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

Premium current account:

Your business needs a partner who can manage your finances while you concentrate on growing your business.

You can avail benefits of inter-city banking account with Premium Current Account, that requires an average quarterly balance of only Rs. 25,000, offers Payable-At-Par cheque book facility & FREE inter-city clearing transactions across our network up to Rs.25 Lacs per month.

A Current Account with the benefits of accessing your account from a large network of branches, and through direct access channels - the phone, mobile, Internet and through the ATM.

Enter into a profitable relationship and access all the privileges flowing your way.

Features & Benefits

Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.25 lacs per month, incremental amount to be charged @ Rs.1.50 per Rs.1,000/-, min Rs.25/-

Free NEFT Transactions.

Free RTGS collection. RTGS payment @ Rs.25/- per transaction.

Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactions.

Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch .

Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch .

100 "At Par" cheque leaves free per month



Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking to access your account.

Regular current account:

A Current account is ideal for carrying out day-to-day business transactions. With the HDFC Bank Regular Current Account, you can access your account anytime, anywhere, pay using payable at par cheques or deposit cheque at any HDFC bank branch. It also facilitates FREE NEFT transactions & FREE RTGS collections for faster collections in your account. Regular Current Account requires you to maintain an average quarterly balance of only Rs. 10,000.

With a vast network of branches in cities all over the country, and access to a multitude of ATM's, you can keep track of all your transactions anytime.

Features & Benefits

Convenient inter-city banking :Deposit your local cheques in one branch of a city and have it credited to your account at a branch in another city or make payments across HDFC Bank locations using PAP cheque facility at a nominal rate

Free payments and collections through NEFT

Free RTGS collection. RTGS payment @ Rs.25/- per transaction

Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactions

Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- .

Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- .

Payable at par cheque book at nominal price.



Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

RFC domestic account:

Have you accumulated foreign currency from travelling abroad frequently? Received gifts from relatives in foreign currency? Or earned it by any other means as approved by the Reserve Bank of India?

If so, open Resident Foreign Currency Domestic Account* and manage your foreign currency efficiently. You can choose to set up your account either in US Dollar, Great Britain Pound or Euro.

*Please note that this account has to be operated strictly under FEMA guidelines

How to Open a RFC Domestic Account

Choose the currency in which you wish to operate. Open your account with an initial amount as per the following-US Dollar = 250 |

Great Britain Pound = 200 | Euro = 250 and maintain an Average Quarterly Balance of the same amount.

For more details, contact your nearest HDFC Bank branch.

Features & Benefits

Maintains a record of your foreign exchange transactions through monthly statements.

Enjoy preferential rates when converting your foreign currency into Indian Rupees.

Protects you from losing money due to exchange rate fluctuations.

Flexible account:

Tired of static transaction limits during peak seasons?

HDFC Bank Flexi Current Account is the answer to your changing banking needs during peak seasons.

With HDFC Bank Flexi Current Account your Cash Deposit and Anywhere Transaction limits are a multiple of the balance you maintain in your Current Account.

So, during peak seasons, you get the benefit of higher transaction limits due to the higher average balances maintained in your account.

What’s more, during lean seasons, you need not bother about maintaining huge balances to enjoy high transaction limits, which you anyway may not need.

Flexi Current Account requires you to maintain a minimum Average Monthly Balance (AMB) of just Rs. 75,000.

Features & Benefits

Enjoy dynamic free limits on Intercity Payments, Collections & Funds Transfer as well as Cash Deposit at home location branches based on the AMB maintained*

For example, you maintain an AMB of Rs.2,00,000/- in a particular month. Your dynamic free transaction limits for that month would be as per the following table:

Transaction Dynamic Free Limits*

Cash Deposit at Home Branch LocationRs. 24,00,000 in that particular month

Anywhere Payments, Collections & Funds Transfer (except Dahej)

Free up to Rs.1,00,00,000/- in that particular month

Pay your vendors on a real time basis using Real Time Gross Settlement (RTGS) available across 23,000 Bank Branches*. What’s more, payments and collections through RTGS are completely free!

Make and receive remittances to & from your vendors & customers across 20,000 + Bank Branches of more than 50 Banks through Net Banking using National Electronic Fund Transfer (NEFT), Absolutely Free!

Free 40 Demand Drafts & Free 40 Pay Orders issued from any HDFC Bank Branch*

Convenience to withdraw and deposit cash at all our branches*.

Competitive pricing on Demand Drafts drawn on Correspondent Banking Locations as well as Outstation Cheque Collection at HDFC Bank Locations

InstaAlert service - receive updates on your account as and when the select transaction happens – all this without visiting the Branch or ATM!

Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps you check your balance and transaction details, find out the status of your cheque or stop cheque payment.


Apex current account:

The top position is always the coveted position. With the Apex current account, take your business to a new high. On maintaining an average quarterly balance of Rs. 10 lakhs, this account makes sure you make the most of every business opportunities coming your way. Unlimited, free, anywhere Banking experience at the APEX is reserved for you.

Features & Benefits

Maximum transactional benefits with faster mobilisation of funds

Average quarterly balance requirement of Rs. 10,00,000/-

Access to more than 1416 branches

Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order

Faster collection of outstation cheques

Free Intercity Cheque Collection & Payments within HDFC Bank Network (excluding Dahej).

Free Account to Account funds transfer between HDFC Bank accounts.

Free payment and collection through RTGS

Free payment and collection using NEFT (through NetBanking)

Free Demand Drafts which can be issued from any HDFC Bank branch

Free Pay Orders which can be issued from any HDFC Bank branch

Convenience to withdraw and deposit cash at all our branches*

Free Cash Deposit upto Rs. 100 lacs per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch)

Choice of local / Payable at Par Cheques. 500 leaves free per month



Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps you check your balance and transaction details, find out the status of your cheque or stop cheque payment.

Max current account:

Presenting maximum benefits and minimum hassles for you with Max Current Account! With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges that helps your business expand and grow. Features like maximum free transaction limits including other beneficial features on this current account truly enhances your business potential to the MAXimum.

Features & Benefits

Maximum transactional benefits with faster mobilisation of funds

Average quarterly balance requirement of Rs. 5,00,000/-

Access to more than 1412 branches

Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order

Faster collection of outstation cheques

Free Account to Account funds transfer between HDFC Bank accounts

Free payment and collection through RTGS

Free payment and collection using NEFT (through NetBanking)

Free Demand Drafts which can be issued from any HDFC Bank branch

Free Pay Orders which can be issued from any HDFC Bank branch

Free anywhere collection & payment (clearing) upto Rs. 5 Crore per month within HDFC Bank branch network (except Dahej)

Convenience to withdraw and deposit cash at all our branches*

Free cash deposit upto Rs. 50 Lakh per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch)

Choice of local / Payable at Par cheques. 500 leaves free per month



Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking that helps you check your balance and transaction details, find out the status of your cheque or stop cheque payment.

Regular fixed account:

If you believe in long-term investments and wish to earn higher interests on your savings, NOW is the time to invest your money in our Fixed Deposit. Get upto 7.00% on HDFC Bank Fixed Deposit with an additional 0.50% for Senior Citizens. What's more NO PENALTY if

you withdraw part of the FD in times of need.

Flexibility, Security and High Returns all bundled into one offering. Check out the rates and book an FD TODAY!! NetBanking Users can login and book their Fixed Deposit online immediately.

Note: Wef 15th Sept 2009, for all the Fixed Deposits booked through sweep out facility will be sent an email advice on the email id updated with the bank.Physical advices will be discontinued.

Incase your email id is not updated with the bank, you are requested to visit the Nearest branch and update the same.

Features & Benefits

Potential to earn compound interest by reinvesting the principal amount along with the interest earned during the period.

No penalty for premature withdrawal.

Flexibility in altering period of deposit of renewal deposit, maturity and payment instructions, principal amount and rollover mode before maturity of the rollover deposit.

Higher rate of interest on Fixed Deposits for Senior Citizens.

Five years tax saving fixed deposit:

In 2006, it was announced for the first time that Bank fixed deposits booked by an Individual/HUF for 5 years & upto Rs. 1,00,000/- will be allowed exemption under Sec 80C of the Income Tax Act,1961 subject to necessary declarations taken from the Customer.

Features & Benefits

Minimum Amount: Rs.100/-

Multiples of Rs.100/-

Maximum Amount: Rs. 1 lac (in a FY)

Tenure - 5 years (lock in period).

Rate of Interest -6.00% p.a, Senior Citizen rate - 6.50%

Monthly or Quarterly interest pay-out option is available.

No Partial/Premature withdrawal allowed.

Sweep-in not allowed.

No OD or pledge allowed.

In the case of joint holder deposit, the deduction from income under section 80C of the Act shall be available only to the first holder of the deposit.

Super saving facility:

Enjoy a high rate of interest along with the liquidity of a Savings Account by opting for a SuperSaver Facility on your savings account. Avail of an overdraft facility of up to 75% of the value of your Fixed Deposit.

Get the best of both worlds.

Features & Benefits

It's like two Accounts working in tandem to give you better returns.

Choose between a Savings Account or Current Account to link to your Fixed Deposit.

Avail an overdraft facility to supplement your household or business needs.

Pay back with interest only on the drawn amount, while the remaining Fixed Deposit continues to earn you interest.

Flexibility in altering period of deposit, maturity and payment instructions, principal amount and rollover mode before maturity of the rollover deposit.

Senior citizens enjoy a higher rate of interest on their Fixed Deposits.

Sweep in savings account:

Do you wish to avoid taking overdrafts, and still take advantage of your Fixed Deposits? Then what you need is a Sweep-In Facility on your savings account.

Link your Fixed Deposit to your Savings or Current Account and use it to fall back on in case of emergencies. A deficit in your Savings or Current Account is taken care of by using up an exact value from your Fixed Deposit. Since deposits are broken down in units of Re 1/-, you will lose interest only for the actual amount that has been withdrawn.

Features & Benefits

Choose between a Savings Account or Current Account to link to your Fixed Deposit.

Earn higher interest on the money till it is swept-in, while the remaining Fixed Deposit continues to earn you interest.

Only an exact amount required to make up for the deficit in the Savings account is

withdrawn from your Fixed Deposit (units of Re. 1/-) thereby minimising interest loss.

Multiple deposits can be linked to the Savings account.

Flexibility in altering the period of deposit, maturity and payment instructions, principal amount and rollover mode.

You can avail of both, a SuperSaver Facility as well as a Sweep-In Facility if you have linked your deposits to a Savings Facility.

Senior citizens enjoy a higher rate of interest on their Fixed Deposits.

Avail an International Debit card and a Free cheque book on your Sweep-in Savings account.

Recurring deposits:

Responsibilities don’t come in Installments.

Stay prepared for them with HDFC Bank Recurring Deposits.

A small investment is all it takes in an uncertain environment and continued volatility in the markets to be prepared for the future - your child's needs or even that dream holiday.

Invest an amount every month in HDFC Bank Recurring deposits so as to meet your financial needs.

Features & Benefits

An Investment as small as Rs.500 (and in multiples of Rs.100 thereafter) or as large as Rs.1 lakh per month

A minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years.

For a much smaller investment per month, get interest rates equal to that of regular Fixed Deposits.

TDS is not applicable on the Interest earned by Recurring Deposits as per current income tax rules.

Demat account:

HDFC BANK is one of the leading Depository Participant (DP) in the country with over 8 Lac demat accounts.

HDFC Bank Demat services offers you a secure and convenient way to keep track of your securities and investments, over a period of time, without the hassle of handling physical documents that get mutilated or lost in transit.

HDFC BANK is Depository particpant both with -National Securities Depositories Limited (NSDL) and Central Depository Services Limited (CDSL).

Features & BenefitsAs opposed to the earlier form of dealing in physical certificates with delays in transaction, holding and trading in Demat form has the following benefits :

Settlement of Securities traded on the exchanges as well as off market transactions.

Shorter settlements thereby enhancing liquidity.

Pledging of Securities.

Electronic credit in public issue.

Auto Credit of Rights / Bonus / Public Issues / Dividend credit through ECS.

Auto Credit of Public Issue refunds to the bank account.

No stamp duty on transfer of securities held in demat form.

No concept of Market Lots.

Change of address, Signature, Dividend Mandate, registration of power of attorney, transmission etc. can be effected across companies held in demat form by a single instruction to the Depository Participant (DP).

Holding / Transaction details through Internet / email.

Incase you need any more information or have any queries , feedback & complaints , you may please mail us at [email protected]

Secured & easy transaction processing

HDFC Bank Ltd provides convenient facility called 'SPEED-e' (Internet based transaction) whereby account holder can submit delivery instructions electronically through SPEED-e website (https://speed-e.nsdl.com). SPEED-e offers secured means of transaction processing eliminating preparation of instruction slips and submission of the same across the counter to the depository participant. The 'IDEAS' facility helps in viewing the current transactions and balances (holdings) of Demat account on Internet on real time basis.

Incase you need any more information or have any queries , feedback & complaints , you may please mail us at [email protected].

Safe deposit lockers:

Looking for a safe storage place for your valuables?

A Safe Deposit Locker with HDFC Bank is the solution to your concern. Located at select branches in cities all over the country, our lockers ensure the safe keeping of your valuables.

Advantages / Key Benefits

Wide Availability.

Lockers available in various sizes. i.e. Small, Medium, Large and Extra Large with varying rents.

Lockers are rented out for a minimum period of one year. Rent is payable in advance.

No deposits are required to avail a locker. Just open an account and get the locker facility OR

The rent may be conveniently paid from your deposit account with us.

Direct debits for locker rentals from your account rid you of the hassles in writing out cheques.

There is a nominal annual charge, which depends on the size of the locker and the centre in which the branch is located.

EligibilityAn individual (not minor), firms, limited company, associations, clubs, trusts, societies, etc may hire a locker.

Nomination for Safe Deposit Locker

The Lockers and their contents can be nominated to people near and dear to you.

Nomination facility is available to individual hirer of Safe Deposit Locker.

In the case of a sole hirer of a safe deposit locker, nomination can be made in favour of only one individual.

Where the safe deposit locker is hired in the name of a minor, the nomination shall be made by a person lawfully entitled to act on behalf of the minor.

Terms & Conditions

For obtaining a Locker at HDFC Bank you must be an account holder with our Bank.

Lockers can be allotted individually as well as jointly.

The Locker holder is permitted to add or delete names from the list of persons who can operate the Locker and can have access to it.

Loss of Key is to be immediately informed to the concerned Branch.

For Schedule of Rentals, please contact the branch nearest to you.

banking should be effortless. with hdfc bank, the efforts are

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