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What are the features and benefits of a Regular Savings Account?

You will get some exclusive features and benefits with your HDFC Bank Regular
Saving Account
Wide network of branches and over 7300 ATMs to meet all your banking
needs, no matter where you are located.
Bank conveniently with facilities
like NetBanking, Phonebanking and MobileBanking check your account
balance, pay utility bills or stop cheque payments all via 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 so you can pay all your
frequent utility bill payments. Instruct for payments over the phone or through the
Internet.
Avail of facilities like Safe Deposit Lockers, Sweep-In and Super Saver
facilities on your account.
Free cash withdrawals at any other Bank's ATMs*
Free Payable-at-Par chequebook, without any usage charges.
Free passbook facility available at home branch for account holders
(individuals).
Free Email Statement facility.
* Conditions Apply
What are the eligibility criteria to open a Regular Savings Account?
A Regular Savings Account is for anyone who is a:
A resident individual (sole or joint account)
A Hindu undivided family
A foreign national
If you are a foreign national, you have to be residing in India for a period greater
than 180 days and you have to provide us with:
A valid passport
A valid Visa
FRRO (Foreign Regional Registration Office) Certificate
Residential permit
Minimum Balance Requirement
A minimum deposit of Rs. 10,000 (metro/urban branches), Rs. 5000 (semiurban/rural branches) is required to open an account and thereafter an average
monthly balance of the same amount has to be maintained.
Please note: It is mandatory to maintain a minimum average monthly
balance (AMB) of Rs. 10,000 (metro/urban branches), Rs. 5000 (semi-

urban/rural branches). If the balance is not maintained, the following service


charges will be levied:
For urban/metro branches: If AMB in the account is between Rs 5,000 to
Rs 10,000, a charge of Rs 250/- per month would be levied. If AMB is less than
Rs 5,000, a charge of Rs 350/- per month would be levied.
Semi urban/rural: If AMB in the account is between Rs 2,500 to Rs 5,000,
a charge of Rs 250/- per month would be levied. If AMB is less than Rs 2,500, a
charge of Rs 350/- per month would be levied.
What are the fees and charges applicable to a Regular Savings Account?

Description of Charges

Regular Savings Account

Minimum Balance - Average


Monthly Balance (AMB)

Rs. 10,000 (Metro / Urban branches),


Rs. 5, 000 (Semi-Urban / Rural branches)

Charges applicable on nonmaintenance

For urban/metro branches:


- If AMB in the account is between Rs
5,000 to Rs 10,000, a charge of Rs 250/per month would be levied.
- If AMB is less than Rs 5,000, a charge
of Rs 350/- per month would be levied.
Semi urban/rural:
- If AMB in the account is between Rs
2,500 to Rs 5,000, a charge of Rs 250/- per
month would be levied.
- If AMB is less than Rs 2,500, a charge of
Rs 350/- per month would be levied.

Cheque book

Free - 25 cheque leaves per calendar


quarter
Additional chequebook of 25 leaves will
be charged @ Rs 50/- per chequebook
Rs. 5 per leaf on non-maintenance of min.
balance

PAP cheque book usage charges

No charges

Account statements - Free

Monthly statements to be collected from


branch.
Quarterly statements sent by post

Issue of duplicate/adhoc
statements

Branch - Rs 100/PhoneBanking ( Non IVR) - Rs.75/NetBanking, Mobile Banking,


PhoneBanking - IVR & ATM - Rs 50/-

Hold statement

Rs. 400 per year

Passbook issuance*

Free

Duplicate passbook issuance*

Rs 100/-

Managers cheques/demand
drafts- Issuance/re-issuance - At
HDFC Bank locations

DD request through Branch


Upto Rs.
10,000

Rs. 50
Rs. 40 (senior
citizens/individuals in rural
areas)
Rs. 30 through
Phonebanking

Above
Rs.10,000 &
upto Rs.
50,000

Rs. 75** (Rs. 30 through


PhoneBanking)
Rs. 60 (Senior citizens /
individuals in rural areas.)
**Only DD amount upto Rs
100,000 for

Preferred/Imperia & 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 (Max Rs 10,000/-)

DD request through Netbanking


Upto Rs. 1
Lakh

Rs .30+(Correspondent Bank
charges if applicable)

Third party
DD* uptoRs.
1 Lakhs

Rs .30+(Correspondent Bank
charges if applicable)

*Third Party Registration required


(customers registered for third party
transfers have a maximum limit of 10 lakh
per customer id and hence can issue
multiple DDs of 1 lakh up to 10 lakh and
send it to the beneficiary address).

Managers cheque/demand drafts Rs. 50


- Cancellation/revalidation
Rs. 40 (senior citizens/individuals in rural
areas)

Demand drafts issued - At non


HDFC Bank locations

Cheque collection - Local


clearing zone
Collection of outstation cheques
- our 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. 10,000

Rs. 30

Above Rs.
10,000 to Rs. 1
Lakh

Rs. 3 per 1000 or part


thereof

Above Rs. 1
Lakh

Rs. 6 per 1000 or part


thereof (min Rs 300/- to
max Rs 10,000/-)

Free

Charges for
cheques
drawn on
Branch
locations

Regular Savings Account

Upto Rs 5,000

Rs. 25/-,
Rs. 20/- for rural

branches/senior citizens
account

Collection of outstation cheques


- Other locations

Rs. 5,001/- to
Rs. 10,000/-

Rs. 50/-,
Rs. 40/- for rural
branches / senior citizens
account

Rs. 10,001/- to
Rs. 1,00,000/-

Rs. 100/-

Rs. 1,00,001/and above

Rs. 150/-

Cheques
drawn on
speed clearing
branches

Regular Savings Account

Upto Rs.
1,00,000

No charges

Rs. 1,00,001/and above

Rs. 140/- per instrument

Charges for
cheques
drawn on
Non-Branch
locations

Regular Savings Account

Upto Rs 5,000

Rs. 25/-,

Rs. 20/- for rural


branches/senior citizens
account

Cheque return charges drawn on


us - Local

Rs. 5,001/- to
Rs. 10,000/-

Rs. 50/-,
Rs. 40/- for rural
branches/senior citizens
account

Rs. 10,001/- to
Rs. 1,00,000/-

Rs. 100/-

Rs. 1,00,001/and above

Rs. 150/-

Cheques
drawn on
speed clearing
branches

Regular Savings Account

Upto Rs.
1,00,000

No charges

Rs. 1,00,001/and above

Rs. 140/- per instrument

Due to insufficient funds First cheque return in a quarter Rs 350/From second cheque return in the
same quarter Rs 750/- per return

Charges due to funds transfer cheque


return - Rs. 350/Due to technical reasons ( eg. - Date not
mentioned, post dated, sign mismatch,
etc ) - No charge

Cheques deposited returned


unpaid

Charge of Rs 100/- per instance would be


levied

Balance enquiry - At branch

Free

Balance certificate

Current year - Free; previous year - Rs. 50

Interest certificate

Rs. 50

TDS certificate

Free

Account closure

Upto 14 days - Nil


15 days upto 12 months - Rs 500/Beyond 12 months - Nil

Photo attestation

Rs 100/- per instance

Signature attestation

Rs 100/- per instance

Address confirmation

Rs 50/- per instance

Stop payment charges

Particular cheque - Rs. 50 (Free through


Phonebanking and NetBanking), range of
cheques - Rs. 100 (free through
Phonebanking and Net banking)

Standing instructions

Setting up Rs. 150, Rs. 25 per transcation


plus remittance charge

Unarranged overdraft

Rs. 100 per occasion + 18% interest pa

Old records/copy of paid


cheques

Upto 1 year - Rs. 50 per record; above 1


year - Rs. 100 per record

Activation of dormant account

No charges

Branch transactions (includes


only cheque deposit/cheque
issuance/funds transfer
debit/NEFT/RTGS)

Accounts
maintaining
AMB

Accounts not
maintaining AMB

- In case the
AMB in the
account is above
Rs 50,000/- No
charges would
be levied

3 free transactionsin a
month would be
permitted and Rs 75/per txn would be levied
from the 4th transaction
onwards.

-In case the


AMB is between
the requisite
product AMB
and Rs 50,000/15 txn
free/month
would be
permitted and
charge of Rs
75/txn would be
levied from the
16th transaction

onwards

Cash transactions (Cash


deposits & withdrawals)

Interbranch transactions through


teller counters - Cash
transactions.

Accounts
maintaining
AMB

Accounts not
maintaining AMB

5 free cash
transactions per
month would be
permitted and Rs
100/- per
txn would be
levied 6th
transaction
onwards.

2 free transactionsin a
month would be
permitted and Rs 100/per txn would be
levied 3rd transaction
onwards.

Accounts
maintaining
AMB

Accounts not
maintaining AMB

- Cash transaction
value upto Rs.
50,000/ per day
- No charge

For any value of cash


transaction charge of
Rs 5 per 1,000/-, would
be levied. (Min charge
amount - Rs 100/-).

- Above Rs.
50,000/-Rs 5/per 1,000/- on
the full amount

Third party cash transactions at


non-home branches through

Upto a limit of Rs.50,000 per day - Rs.100


(plus taxes). Above Rs.50,000 - Not

teller counters

allowed

Local cheque deposited for


outstation accounts

No charge

PhoneBanking - IVR

Free

PhoneBanking - Non IVR

Free
Rs. 50 per call on non maintenance of Min
balance for transactions that are available
on IVR but are done through the
PhoneBanking executive

ATM card

Free

ATM card - Replacement


charges

Rs. 100 (plus taxes)

ATM card - Transaction charge


- non HDFC Bank ATMs

Free for first 5 transactions in a month


From 6th transaction onwards Cash withdrawal - Rs. 20/- transaction
(inclusive of taxes)
Non-Financial Transaction Rs. 8.5/-transaction (exclusive of taxes)
per transaction

Debit Card - Annual Fee Regular

Rs. 100 per year (plus taxes)

Debit Card - Annual Fee -

Rs.100 per year (plus taxes)

Women's Card
Debit Card - Annual Fee
Platinum

Rs. 500 per year (plus taxes)

Debit Card - Renewal Fee


Platinum

Rs. 500 per year (plus taxes)

Debit Card - Renewal Fee Regular

Rs. 100 per year (plus taxes)

Debit Card - Renewal Fee Women's Card

Rs.100 per year (plus taxes)

Debit Card - Replacement


charges

Replacement 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

A total of 5 free ATM financial and nonfinancial transactions per month


Additional transactions
Rs. 20/- (inclusive of taxes) per transaction
for ATM Cash Withdrawals
Rs. 8.50/- (exclusive of taxes) per
transaction for ATM non-financial
transactions

Debit Card - Transaction charge

Rs. 15 per balance enquiry & Rs. 110 per

- non HDFC Bank international


ATMs

cash withdrawal (plus taxes)

PIN regeneration charge

Rs. 50 (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

Rs. 100 per year (plus taxes) - One add-on


card free for the first year

Add-on debit card - Women's


Card

Rs.100 per year (plus taxes)

BillPay

This service is free w.e.f 1st August'2011

InstaPay

Rs. 10 (plus taxes) per transaction

InstaAlert

Rs.15 per quarter, effective 1st April 2013


(incl of tax)

Visa Money Transfer

Rs. 5 (plus taxes) per transaction

NEFT Charges - Inward

NIL

NEFT Charges- outward

Amounts up to Rs. 10,000 - Rs.2.5


(exclusive of taxes) per transaction
Amounts from Rs.10,001 to Rs.1
lakh - Rs. 5 (exclusive of taxes) per
transaction

Amounts above Rs. 1 lakh up to Rs.


2 lakh - Rs. 15 (exclusive of taxes) per
transaction
Amounts above Rs.2 lakh Rs.25
(exclusive of taxes) per transaction
NEFT Charges for Indo-Nepal
transactions

Customers having NSBL*A/c - Rs 20/Customers having non-NSBL* A/c:


Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd

RTGS - Outward

RTGS - Outward:
Above Rs. 2 Lakh to 5 Lakh - Rs. 25
(inclusive of taxes) per transaction
Above Rs 5 Lakh - Rs. 50 (inclusive of
taxes) per transaction

RTGS - Inward

NIL

MobileBanking

NIL

NetBanking

Free

ECS (Debit) Return Charges

- Rs 350/- would be levied on first


instance of ECSreturn in a quarter.
- Rs 750/- would be levied, second
instance onwards in the same quarter.

Any deliverable returned by


courier due to negative reasons
(no such consignee/consignee
shifted and no such address)

Rs 50/- per instance

TIN/IPIN re-generation
(requests received at the branch
for physical dispatch)

Rs 50/- per instance

Standing Instruction rejects

Rs 200/- per instance

*Cash handling for cash deposit


at home branch

For non-managed customers


- Cash deposit value upto Rs 1 lakh/day
- No charge
- Above Rs 1 lakh - Rs 25/- per Rs 50,000
or part thereof.
Charge will be levied for the full amount.

Click here to view charges applicable before 1st January 2012


*At home branch for account holders (individuals)
Effective 1st April 2012, all fees and charges, mentioned in the Tariff of charges,
will attract Service Tax @12% and Education Cess @3% of the Service Tax
amount.