HDFC Accounts - Full Details

Regular Savings Account
Highlights
Bank HDFC Bank

Category Regular
Minimum AQB A minimum deposit of Rs. 5,000/- is required to open an account and
(Average thereafter an Average Quarterly Amount of the same amount has to be
Quarterly maintained.
Balance) 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 Free
ATM 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 It is mandatory to maintain a minimum Average Quarterly
minimum quarterly average Balance (AQB) of Rs. 5,000/-. If the balance falls below Rs.
balance 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 Free
Debit Card - Transaction Charge -Free
5 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 Debit Card - Transaction Charge - Non HDFC Bank
outside India 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).
(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
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 year
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)
Issue of DD drawn on base DD request through Branch
Bank/banks branch by Upto Rs. 10,000 Rs. 50
cheque/transfer Rs. 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 Netbanking
Upto 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 Rs. 50 plus charges as outlined below:
location/other bank 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. 10,000 Rs. 30
Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part
thereof
300)
Statement/Duplicate Account Account Statements - Free Monthly statements to be
Statement Collected from branch.
Quarterly statements sent by post
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
Cheque Books Free
Rs. 5 per leaf on non maintenance of Min balance
PAP Cheque book Upto Rs. 50,000 pm - No charges,
Above Rs. 50,000 - Rs. 2.90 per 1000 on full amount.
Pass Book Free
Duplicate 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 Charges
Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)
* Credit on receipt of clear funds
Collection 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)
Return of Cheque Cheque return charges drawn on us - Local-Due to
insufficient funds - Rs. 350
Due to Technical reasons - No charge
Rs. 400 on non-maintenance of Min balance
Cheque return charges drawn on us deposited in other
locations -Rs. 75
Stop Payment for individual Particular Cheque - Rs. 50 (Free through Phonebanking),
cheque or a range of cheques Range of Cheques - Rs. 100 (Free through Phonebanking)
Closure of Account Upto 14 days - No charge
15 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
No
Facility
Reward
No
Points
Internet Yes
Banking Free
Phone Yes
Banking Phonebanking - IVR Free
Phonebanking - Non IVR Free
Rs. 50 per call on non maintenance of Min balance for transactions that are
available on IVR but are done through the PhoneBanking executive
Mobile Yes
Banking 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
Minimum AQB A minimum deposit of Rs. 10,000/- is required to open an account and
(Average thereafter an Average Quarterly Amount of the same amount has to be
Quarterly maintained.
Balance) Option 1 Rs. 10000(Urban/Semi-urban)
Option 2 NIL with a Fixed deposit of Rs. 50,000
Interest Rate 3.5%
ATM Card Free
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

Charges for non maintenance of If AQB in the savings a/c is >=10,000/- and/or the balance
minimum quarterly average in the FD is >=50,000/-, no AQB non-maintenance charges
balance 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 quarter
AQB in the SB a/c is less than 5,000/-: Rs. 1,000/- 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.
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.
transactions Upto Rs. 50,000/- free, Above Rs. 50,000/- Rs
2.90 per 1,000/-
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)
(only for Visa Card Holders)-Rs. 100 per cash withdrawal
(plus taxes)
ATMs-Rs. 20 per cash withdrawal (plus taxes)2 Free txns
( Cash Withdrawal ) per month
outside India International ATMs-Rs. 110 per cash withdrawal (plus
taxes)
Debit Card Fees Debit Card - Annual Fee - Regular -Free for all account
holders for life time
Debit Card - Annual Fee - Gold Rs. 500 per year (plus
taxes)
(plus taxes)
Domestic ATMs - Rs. 15 per balance enquiry
(only for Visa Card Holders) Balance enquiry - Not
available
ATMs-Rs. 10 per balance enquiry
Debit card renewal charges Debit Card - Renewal Fee - Regular NA
taxes)
(plus taxes)
card types)
Add-on debit card Add-on Debit Card - Regular Free
taxes)
taxes)
Issue of DD drawn on base Free DDs/MCs per account per month with maximum of
Bank/banks branch by Rs. 25,000 per day
cheque/transfer DD request through Branch
Above Rs. 25,000 & upto Rs. 50,000 Rs. 75 **(Rs. 50
through Phonebanking)

250 & Max Rs. 5000)
DD cancellation/Revalidation Rs. 50
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
thereof
300)
Cheque Books Free
Rs. 5 per leaf on non maintenance of Min balance
Above Rs. 50,000 - Rs. 2.90 per 1000 on full amount
Pass Book Free
Outstation cheque collection Collection of outstation cheques - our bank locations
Locations)
Collection of outstation cheques - other locations
Cheques (MICR) drawn on non-branch locations with
correspondent bank tie-up - 0.40% (Min Rs. 50)
Rs. 25 (Min Rs. 50)
Return of Cheque Cheque return charges drawn on us - Local
Due to insufficient funds - Rs. 350
locations Rs. 75
Services & Features
Overdraft
No
Facility
Reward
No
Points
Internet Yes
Banking Free
Phone Yes
Mobile Yes
Banking Free
SMS Alerts No
The following are eligible to open a Savings Plus Account:

Foreign Nationals residing in India.
Account Operation
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 quarter
AQB in the SB a/c is less than 5,000/-: Rs. 1,000/- 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. 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
Minimum AQB Option 1 Rs. 25,000(Urban/Semi-urban)
(Average Option 2 NIL with a Fixed deposit of Rs. 100,000
Quarterly A minimum deposit of Rs. 25,000/- is required to open an account and
Balance) thereafter an Average Quarterly Balance of the same amount has to be
maintained.
Interest Rate 3.5%
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
Charges for non maintenance of If the AQB in the SavingsMax a/c >= 25,000/- and/or the
minimum quarterly average balance in the FD is >= 100,000/-, no AQB non-
balance 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 quarter
AQB in the SavingsMax a/c is less than Rs10,000/- Rs.
1,500/- per quarter
However, 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 amount
Third party cash transactions at home branch through teller
counters Free of charge
Cash Transaction Withdrawal ATM Card Free
Andhra Bank Free
ATM Card - Transaction charge for Non-Partner banks NA
ATM transaction at own bank Debit Card - Transaction Charge - HDFC Bank ATMs Free
5 free in the qtr
taxes)
Debit Card Fees Debit Card - Annual Fee - Regular Free for all account
holders for life time
Debit 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
International ATMs Rs. 15 per balance enquiry
Debit card renewal charges Debit Card - Renewal Fee - Regular NA
Debit Card - Renewal Fee - Gold Free for primary account
holder for life time. Rs.250 per year (plus taxes) for other
account holders
Debit 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)
taxes)
Add-on Debit Card - Women's Card Free
Issue of DD drawn on base Free DDs/MCs per account per month with maximum of
Bank/banks branch by Rs. 50,000 per day
cheque/transfer Only DD amount upto Rs 100,000 for Preferred & Rs
250 & Max Rs. 5000)
DD drawn on correspondent Demand Drafts- Issued - On Non HDFC Bank Locations
location/other bank Rs. 50 plus charges as outlined below:
Upto Rs. 500 Rs. 10
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
thereof
300)
Statement/Duplicate Account Account Statements - Free Monthly statements sent by post
Statement Issue of duplicate / adhoc statements Rs.100 at Branch,
Cheque Books Free
Pass Book Free
Duplicate passbook issuance* Rs 100/-
Chargeable Cash Transaction at 5 free in the qtr & Rs. 30 per additional transaction on non-
Base Branch maintenance of Min balance (cash deposit/withdrawal)
Cheque book/Reorder of Cheque Rs. 5 per leaf on non maintenance of Min balance
book
Locations)
Rs. 25 (Min Rs. 50)
locations Rs. 75
Services & Features
Overdraft
No
Facility
Reward
No
Points
Internet Yes
Banking Free
Phone Yes
Phonebanking - Non IVR
Free
available on IVR but are done through the PhoneBanking executive.
Mobile Yes
Banking Free
SMS Alerts Yes
The following are eligible to open a SavingsMax Account:

Foreign Nationals residing in India*.
Account Operation
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 quarter
AQB in the SavingsMax a/c is less than Rs10,000/- Rs. 1,500/- per quarter
However, 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
Minimum AQB No minimum balance required
(Average Quarterly Balance)
Interest Rate 3.5%
ATM Card Free
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
Charges for non maintenance of NA
minimum quarterly average
balance
Cash Transaction Branch / ATM / Debit Card transactions
Free Cash Deposits at Branch / ATM
9 Free Cash withdrawals per Quarter at Branch and HDFC
Bank ATMs
Interbranch 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
India Domestic ATMs-Rs. 55 per cash withdrawal (plus taxes)
(plus taxes)
Debit Card - Transaction Charge - SBI/Andhra Bank ATMs-
Andhra Bank-Rs. 20 per cash withdrawal (plus taxes)
outside India International ATMs-Rs. 110 per cash withdrawal (plus
taxes)
Debit Card Fees Debit Card - Annual Fee - Regular Rs. 100 per year (plus
taxes)
taxes)
(plus taxes)
Domestic ATMs-Rs. 15 per balance enquiry
(only for Visa Card Holders)-Balance enquiry - Not
available
Rs. 10 per balance enquiry
Andhra Bank Rs. 10 per balance enquiry.
taxes)
taxes)
(plus taxes)
card types)
Add-on debit card Add-on Debit Card - Regular Rs. 100 per year (plus taxes)
taxes)
taxes)
Bank/banks branch by Upto Rs. 10,000 Rs.50
Phonebanking)

250 & Max Rs. 5000)
DD drawn on correspondent Demand Drafts- Issued - On Non HDFC Bank Locations
location/other bank Rs. 50 plus charges as outlined below:
Upto Rs. 500 Rs. 10
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
thereof
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
Pass Book Free
-Cheques drawn on metro/non-metro cities (Branch
Locations)
correspondent bank tie-up/non-MICR cheques - 0.65% + Rs.
25 (Min Rs. 50)
*Credit on receipt of clear funds
locations Rs. 75
Services & Features
Overdraft Facility No
Reward Points No
Internet Banking Yes
Free
Phone Banking Yes
Phonebanking - IVR Free
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:

Account Operation
No Initial Payment is required to open a 'No Frills' account and No Average Quarterly
Balance needs to be maintained.
Customer 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 - Free
Above 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 - Free
Local Cheque deposited for outstation accounts
Cheque value Rs. 0 to Rs. 500 No Charge
Balance inquiry at own bank Free
Issue of DD drawn on base Free DDs on HDFC Bank locations without limit
Bank/banks branch by DD request through NetBanking
cheque/transfer Upto Rs. 1 Lakh Free
Corr bank charges applicable
Third 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
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
thereof
300)
Statement/Duplicate Account Account Statements - Free Monthly statements sent by post
Statement Issue 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 NetBanking
Cheque Books PAP Cheque Book Free - issued by default 25 leaves Free
per calendar quarter
No charges on usage at HDFC Bank locations.
Collection Free. Courier charges (Rs.20/-) applicable
correspondent bank tie-up - 0.40% (Min Rs. 25 per inst) +
Courier charges (Rs.25/-) applicable
correspondent bank tie-up/non-MICR cheques - 0.40% (Min
Rs. 25 per inst) + Courier charges (Rs.25/-) applicable
Return of Cheque Rs 75
Stop Payment for individual Particular Cheque - Rs. 50 (Free through PhoneBanking &
cheque or a range of cheques NetBanking),
Range of Cheques - Rs. 100 (Free through PhoneBanking &
NetBanking)
Services & Features
Reward Points No
Free
Phone Banking Yes
PhoneBanking - IVR Free
PhoneBanking - Non IVR Free
Mobile Banking Yes
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
(Average Quarterly
Balance)
Interest Rate 3.5%
ATM Card NA
ATM Card - Replacement charges NA
Debit 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

Charges for non maintenance of Nil
minimum quarterly average
balance
2.90 per 1000
Cash withdrawal at ATMs in ATM Card - Transaction charge for Partner banks - only SBI
India & Andhra Bank-Rs. 20 per cash withdrawal (plus taxes)
Domestic ATMs-Rs. 55 per cash withdrawal (plus taxes)
(plus taxes)
outside India International ATMs-
Debit Card Fees Debit Card - Annual Fee - Regular Free
Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes)
(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 enquiry
Domestic ATMs Rs. 15 per balance enquiry
(only for Visa Card Holders) Balance enquiry - Not available
Debit card renewal charges Debit Card - Renewal Fee - Regular Free
taxes)
(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 - Gold Card Rs. 500 per year (plus taxes)
taxes)
Bank/banks branch by Upto Rs. 10,000 Rs. 50.
cheque/transfer 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.

50,000 for other customers accepted at Phonebanking.
250 & Max Rs. 5000)
Third party DD upto Rs. 1,00,000 Rs .30+(Corr. Bank
(*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.)
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
thereof
300)
Six -monthly statements sent by post
Issue 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.
Cheque Books Rs. 5 per leaf
PAP Cheque book NA
Pass Book Free
Duplicate passbook issuance* Rs 100/-
Cheques drawn on metro/non-metro cities (Branch Locations)
25 (Min Rs. 50)
locations Rs. 75
Stop Payment for individual Particular Cheque - Rs. 50 (Rs. 40 through Phonebanking),
cheque or a range of cheques 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
Free
Phone Banking Yes
Mobile Banking Yes
Free
SMS Alerts No
Regular Salary Account
Highlights
Bank HDFC Bank

Interest Rate 3.5%
ATM Card NA
Main Features
• 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 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

transactions Free
counters Free
India & Andhra Bank Rs. 20 per cash withdrawal (plus taxes)
ATM Card - Transaction charge for Non-Partner banks -NA
(only for Visa Card Holders) Rs. 100 per cash withdrawal
(plus taxes)
outside India International ATMsRs. 110 per cash withdrawal (plus taxes)
& Andhra Bank Rs. 10 per balance enquiry.
ATM Card - Transaction charge for Non-Partner banks -NA
Add-on debit card Add-on Debit Card - Regular Rs 100 per year (plus taxes)-
One Add-on card free for the first year
taxes)
Issue of DD drawn on base Free upto Rs.25,000
Bank/banks branch by DD request through Branch
cheque/transfer Above Rs. 25,000 Upto Rs. 50,000 Rs. 75 (Rs. 50 through
Phonebanking)& Rs. 60 for Senior Citizens / Individuals in
Rural Areas

Above Rs. 50,000 & Upto Rs. 1 Lakh Rs. 2.50 per 1000 or
Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250
& Max Rs. 5000)
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.
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof
300)
Cheque Books PAP Cheque book Free by default
Pass Book Free
Duplicate passbook issuance - Rs 100/-
25 (Min Rs. 50)
locations Rs. 75
Closure of Account Before 6 months-Rs 100/-
After 6 months-No Charge
Services & Features
Reward Points No
Phone Banking Yes
Mobile Banking Yes
Free
SMS Alerts No
Premium Salary Account
Highlights
Bank HDFC Bank

Interest Rate 3.5%
ATM Card NA
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 ATM transactions on non-HDFC Bank Visa/Cirrus network ATM's.
• Free Passbook facility available at home branch for account holders (individuals)
Fees & charges

transactions Free
counters Free of charge
Cash Deposit Cheques deposited - outward Rs. 50
International ATMs Rs. 110 per cash withdrawal (plus taxes)
(plus taxes)
(plus taxes)
Domestic ATMs
10 free transactions per month Rs. 15 per balance enquiry
Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes)
(plus taxes)
taxes)
cheque/transfer Above Rs. 25,000 upto Rs. 50,000 Rs. 75 (Rs. 50 through
Phonebanking) & Rs. 60 for Senior Citizens / Individuals in
Rural Areas.
& Max Rs. 5000)
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
300)
Statement/Duplicate Account Account Statements - Free Monthly
Statement Issue of duplicate / adhoc statements Rs. 100 at Branch or
Cheque Books PAP Cheque book Free by default
Pass Book Free
25 (Min Rs. 50)
locations Rs. 75
Closure of Account Before 6 months-Rs 100/-
Services & Features
Reward Points No
Free
Phone Banking Yes
Mobile Banking Yes
Free
SMS Alerts No
Min Age 18 Yrs.
Defence Salary Account
Highlights
Bank HDFC Bank

Interest Rate 3.5%
ATM Card NA
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

transactions Free
Cash withdrawal at ATMs in Debit Card - Transaction Charge -Non HDFC Bank Domestic
India ATMs Rs. 55 per cash withdrawal (plus taxes)
(plus taxes)
outside India International ATMs Rs. 110 per cash withdrawal (plus taxes)
(plus taxes)
(plus taxes)
taxes)
cheque/transfer Above Rs. 25, 000 upto Rs. 50,000 Rs. 75 (Rs. 50 through
Phonebanking)
Rs. 60 for Senior Citizens / Individuals in Rural Areas.

& Max Rs. 5000)
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
300)
Cheque Books Free
Pass Book Free
Cheques drawn on metro/non-metro cities (branch locations)
cheque value 0-500 No charge
cheque value 501 & above Rs 1 per 1000(min Rs.50)
25 (Min Rs. 50)
locations Rs. 75
Closure of Account Before 6 months-Rs 100
Services & Features
Reward Points No
Free
Phone Banking Yes
Mobile Banking Yes
Free
SMS Alerts No
Min Age 18 Yrs.
No Frills Salary Account
Highlights
Bank HDFC Bank

Minimum AQB No Initial Payment is required to open a 'No Frills' account and No
(Average Quarterly Average Quarterly Balance needs to be maintained.
Balance)
Interest Rate 3.5%
ATM Card Free
ATM 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.
• 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

2.90 per 1000
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
(plus taxes)
taxes)
(plus taxes)
ATM 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 NA
ATM Card - Transaction charge for Partner banks - only SBI
taxes)
(plus taxes)
taxes)
Bank/banks branch by Upto Rs. 10,000 Rs. 50 / Rs 40( Senior Citizens / Individuals
cheque/transfer 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

Above Rs.50,000 & upto Rs 1 Lakh Rs 2.50 per 1000 or part
thereof ( Min Rs 150 )
& Max Rs. 5,000)
Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges
if applicable)
DD cancellation/Revalidation Rs. 50 / Rs 40 (Senior Citizens / Individual in Rural Areas)
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
300)
Statement/Duplicate Account Account Statements - Free Free Quaterly (by post), Free
Statement monthly statements if the customer collects from the branch
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
Pass Book Free
25 (Min Rs. 50)
locations Rs. 75
Closure of Account Before 6 months - Rs. 100,
After 6 months - No Charge
Services & Features
Reward Points No
Free
Phone Banking Yes
Phonebanking - Non IVR Rs. 50 per call ( agent based)
Mobile Banking Yes
Free
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 Operation
No 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
Minimum AQB Rs. 5000 (Urban & Semi-urban)
(Average Quarterly Balance) NIL with a Fixed deposit of Rs. 10,000
Interest Rate 3.5%
ATM Card Free
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

Charges for non maintenance of AQB less than Rs. 5000 (Urban & Semi-urban) - Charges of
minimum quarterly average Rs. 300 per qtr
balance
2.90 per 1000
taxes)
(plus taxes)
Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - SBI &
Andhra Bank Rs. 10 per balance enquiry
(only for Visa Card Holders) Balance enquiry - Not
available
taxes)
taxes)
(plus taxes)
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)
taxes)
Bank/banks branch by Upto Rs. 10000 Rs.50
Phonebanking)

250 & Max Rs. 5000)
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)
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
thereof
300)
Cheque Books Free
PAP Cheque book NA
Pass Book Free
Locations)
25 (Min Rs. 50)
locations Rs. 75
Interest Certificate Rs 50
Services & Features
Overdraft
No
Facility
Reward
No
Points
Internet Yes
Banking Free
Phone Yes
Free
Mobile Yes
Banking 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 Account
Open 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%
ATM Card NA
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
transactions Free
Cash Transaction Withdrawal ATM Card - Transaction charge for Partner banks - only SBI
& Andhra Bank Rs. 20 per cash withdrawal (plus taxes)
(only for Visa Card Holders)Rs. 100 per cash withdrawal
(plus taxes)
(plus taxes)
(plus taxes)
taxes)
Bank/banks branch by Upto Rs. 10000 Rs.50
Phonebanking)
& Max Rs. 5000)
Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges
if applicable)
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
300)
Hold Statement Rs. 400
Cheque Books Free
PAP Cheque book NA
25 (Min Rs. 50)
locations Rs. 75
Closure of Account Before 6 months - Rs. 100, After 6 months - No Charge
Interest Certificate Rs 50
Services & Features
Reward Points No
Free
Phone Banking Yes
Mobile Banking Yes
Free
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 & Operation

A 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
Minimum AQB Rs. 25,000 (Urban & Semi-urban)
Interest Rate 3.5%
ATM Card Free
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

Charges for non maintenance of AQB between Rs. 25,000 & Rs. 10,000 - Charges of Rs.
minimum quarterly average 1000 per group per qtr. Charged to the account with the
balance 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.
transactions Upto Rs. 50,000 - Free, Above Rs. 50,000 -
Rs. 2.90 per 1000
Cash withdrawal at ATMs in India ATM Card - Transaction charge for Partner banks - SBI &
Andhra Bank Rs. 20 per cash withdrawal (plus taxes)
Domestic ATMs Rs. 55 per cash withdrawal (plus taxes) 20
ATMs Rs. 20 per cash withdrawal (plus taxes)
taxes)
taxes)
taxes)
(plus taxes)
Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - SBI &
Andhra Bank Rs. 10 per balance enquiry
Debit Card - Transaction Charge - BOI/Canara Bank
ATMs (only for Visa Card Holders) Balance enquiry
ATMs Rs. 10 per balance enquiry
taxes)
taxes)
Debit Card - Renewal Fee - Women's Card Rs. 150 per
year (plus taxes)
card types)
- One add-on card free for the first year
taxes)
taxes)
Issue of DD drawn on base 2 free DDs/Mcs per account per month with maximum of
Bank/banks branch by Rs. 25,000 per DD per day
cheque/transfer DD request through Branch
Upto Rs. 10000 Rs.50
Phonebanking)

250 & Max Rs. 5000)
Above Rs. 1000 to Rs. 5000 Rs. 25
Above Rs. 5000 to Rs. 10,000 Rs. 30
thereof
300)
Cheque Books Free
Pass Book Free
Locations)
Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs.
50)
Rs. 25 (Min Rs. 50)
locations Rs. 75
Services & Features
Reward Points No
Free
Phone Banking Yes
Mobile Banking Yes
Free
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
(Average Quarterly Balance) Initial Pay-in Nil
Interest Rate 3.5%
Card Offered ATM Card
ATM Card Free
ATM 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 Free
Branch transactions
Free Cash Deposit at ATM / Branch.
One free cash withdrawal transaction at Branch & Two free
ATM withdrawal transactions per month.
Statement/Duplicate Account Account Statements - Free
Statement Quarterly statements sent by post.
Cheque Books One 25 Leaves Cheque Book free
Extra Cheque Book @ Rs. 5 per leave.
Pass Book Free
Services & Features
Reward Points No
Free
Phone Banking Yes
Free
Mobile 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 Operation
Initial Pay-In & AQB requirement = Nil
Charges on non-maintenance of AQB = Nil
Extra 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. 50,000
Initial 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

Charges for non maintenance of Non-maintenance of AQB would be attract charges
minimum quarterly average balance 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 free
PAP Cheque book free (issued only on request).
Pass Book Free
Services & Features
Reward Points No
Free
Phone Banking Yes
Free
Mobile Banking Yes
Free
SMS Alerts No
Eligibility & Account Operation

Resident 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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HDFC Accounts - Full Details

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Regular Savings Account

Bank HDFC Bank

• Free Email Statement facility.

Fees & charges

**Only DD amount upto Rs 100,000 for Preferred & Rs

Services & Features

The following are eligible to open a Regular Savings Account:

Bank HDFC Bank

• Free Email Statement facility .

Fees & charges

**Only DD amount upto Rs 100,000 for Preferred & Rs

Services & Features

The following are eligible to open a Savings Plus Account:

Bank HDFC Bank

• Free Email Statement facility .

AQB in the SavingsMax a/c between Rs10,000/- and Rs

Services & Features

The following are eligible to open a SavingsMax Account:

Bank HDFC Bank

• Free Email Statement facility.

* This includes 1 Cash withdrawal per month at the Branch

* Additional ATM Cash withdrawals in the month will be

* Additional Branch Cash withdrawals in the month will be

**Only DD amount upto Rs 100,000 for Preferred & Rs

Services & Features

The following are eligible to open a 'No Frills' Savings Account:

Bank HDFC Bank

Fees & charges

Third party cash transaction limit of Rs.50,000 per day -

Services & Features

Bank HDFC Bank

Fees & charges

**Only DD amount upto Rs 100,000 for Preferred & Rs

Above 6 months-No Charge

Services & Features

Bank HDFC Bank

Fees & charges

**Only DD amount upto Rs 100,000 for Preferred & Rs

Services & Features

Premium Salary Account

Bank HDFC Bank

Free monthly account statements.

• Free Monthly email statements (optional).

Fees & charges

Min Age 18 Yrs.

Defence Salary Account

Bank HDFC Bank

Fees & charges

**Only DD amount upto Rs 100,000 for Preferred & Rs

Services & Features

Min Age 18 Yrs.

No Frills Salary Account

Bank HDFC Bank

Fees & charges

** Only DD amount upto Rs 1,00,000 for Preferred & Rs

The following are eligible to open a 'No Frills' Savings Account:

Kid's Advantage Account

Bank HDFC Bank

• Free Email Statement facility.

Fees & charges

**Only DD amount upto Rs 100,000 for Preferred & Rs

Services & Features

Bank HDFC Bank