Verified Bank Tariff
HDFC Bank Limited Charges & Fees
- Charges verified
- 12
- 12 checked rules · 9 fee categories · 2 account variants
Complete official Schedule of Charges for HDFC Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
At a glance
HDFC Bank Limited’s own figures, before GST. Tap a figure for its source.
- SMS alerts
Not verified yet
No official figure checked for this bank.
- Demand draft
HDFC Bank Limited, Demand draft
From HDFC Bank — Consolidated Savings Account Fees and Charges
Verified
Bank’s figure
Low vs 12 banks
- RTGS
Top rate · from ₹0
Mid vs 22 banks
- IMPS
Top rate · from ₹0
Mid vs 20 banks
- NEFT
Top rate · from ₹0
Mid vs 30 banks
- Minimum balance
Top rate · from ₹150
High vs 11 banks
- Cheque return
HDFC Bank Limited, Cheque return
From HDFC Bank — Consolidated Savings Account Fees and Charges
Verified
Top rate · from ₹500
High vs 7 banks
- Locker rent
Not verified yet
No official figure checked for this bank.
Verified Fee Categories for HDFC Bank Limited
Account closure charges1 checked entry
Savings & Salary Accounts — Service Charge Portfolio · Branch
Up to 14 days — standard: ₹0.00 · 15 days up to 12 months — standard: ₹500.00 · 15 days up to 12 months — Senior Citizen: ₹300.00 · Beyond 12 months — standard/Senior Citizen: ₹0.00
Trigger Condition
Explicitly supported by current HDFC BSBDA fee page; the same timing/standard amount and senior-citizen variant are independently present on multiple current HDFC savings-family pages. Do not automatically apply to every HDFC account/product without exact product selection.
Verified on 2026-08-09 · Effective: 2013-07-01
ATM charges1 checked entry
Regular Savings Account · ATM
HDFC Bank ATM — Financial: ₹23.00 · HDFC Bank ATM — Non-financial: ₹0.00 · Non-HDFC Bank ATM — Financial: ₹23.00 · Non-HDFC Bank ATM — Non-financial: ₹8.50
Trigger Condition
Regular Savings Account. HDFC Bank ATMs provide 5 free transactions per month; non-HDFC ATMs provide 3 free transactions in six metros and 5 elsewhere. These amounts apply after the relevant free limit. Ordinary non-senior Regular Savings pricing only; excludes Senior Citizen pricing, the above-80 waiver, Speciale Senior Citizen and other special-product waivers. Non-HDFC monthly free transactions are capped at five overall, including at most three in metros; excludes cardless cash withdrawal.
Verified on 2026-09-17
Cheque charges2 checked entries
Regular Savings Account · General
First Cheque Book (25 leaves) per financial year: ₹0.00 · Additional Cheque Book (25 leaves): ₹100.00
Trigger Condition
HDFC Bank Regular Savings Account.
Verified on 2026-08-25 · Effective: 2026-01-01
Regular Savings Account · Cheque
First return: ₹500.00 · Second return onward: ₹550.00
Trigger Condition
Regular Savings Account; cheque drawn on HDFC Bank and returned for financial reasons in the same month. Ordinary non-senior Regular Savings pricing only; excludes Senior Citizen pricing, the above-80 waiver, Speciale Senior Citizen and other special-product waivers.
Verified on 2026-09-17
Demand Draft charges1 checked entry
Regular Savings Account · Branch
₹50.00
Trigger Condition
Regular Savings Account; demand draft amount up to Rs10,000. Higher amounts use a per-thousand formula and are deliberately excluded from the bounded model. Ordinary non-senior Regular Savings pricing only; excludes Senior Citizen pricing, the above-80 waiver, Speciale Senior Citizen and other special-product waivers. Issuance/re-issuance on HDFC Bank locations only; non-branch-location drafts are excluded.
Verified on 2026-09-17
ECS / NACH return charges1 checked entry
Regular Savings Account · General
First return: ₹500.00 · Second return onward: ₹550.00
Trigger Condition
Regular Savings Account; ECS/ACH debit returned in a month. Ordinary non-senior Regular Savings pricing only; excludes Senior Citizen pricing, the above-80 waiver, Speciale Senior Citizen and other special-product waivers.
Verified on 2026-09-17
IMPS charges2 checked entries
Savings & Salary Accounts — Service Charge Portfolio · General
₹0 (Free)
Trigger Condition
Inward IMPS transactions.
Verified on 2026-08-09
Savings & Salary Accounts — Service Charge Portfolio · Other
Up to Rs 1,000: ₹2.50 · Above Rs 1,000 up to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh: ₹15.00
Trigger Condition
Outward IMPS online transactions. Underlying tariff applies to non-waived customers; published Imperia/Preferred waiver applies separately.
Documented Waiver Condition
IMPS Fund Transfers are free for Imperia and Preferred Customers as stated on the official HDFC IMPS fee page.
Verified on 2026-08-09 · Effective: 2025-08-01
Minimum balance charges2 checked entries
Regular Savings Account · General
Metro/Urban — AMB >= Rs 7,500 and < Rs 10,000: ₹150.00 · Metro/Urban — AMB >= Rs 5,000 and < Rs 7,500: ₹300.00 · Metro/Urban — AMB >= Rs 2,500 and < Rs 5,000: ₹450.00 · Metro/Urban — AMB >= Rs 0 and < Rs 2,500: ₹600.00 · Semi-Urban — AMB >= Rs 2,500 and < Rs 5,000: ₹150.00 · Semi-Urban — AMB >= Rs 0 and < Rs 2,500: ₹300.00
Trigger Condition
HDFC Regular Savings. Required AMB: Metro/Urban Rs10,000; Semi-Urban Rs5,000. Fixed-deposit alternatives are intentionally excluded because current official HDFC pages conflict on their amounts.
Verified on 2026-08-09
Regular Savings Account · General
Rural — AQB >= Rs 1,000 and < Rs 2,500: ₹270.00 · Rural — AQB >= Rs 0 and < Rs 1,000: ₹450.00
Trigger Condition
HDFC Regular Savings at Rural branches. Required AQB Rs2,500. Fixed-deposit alternative is intentionally excluded because current official HDFC sources conflict on the required FD amount.
Verified on 2026-08-09
NEFT charges1 checked entry
Regular Savings Account · General
Online — Any amount: ₹0.00 · Branch — Up to Rs10,000: ₹2.00 · Branch — Above Rs10,000 up to Rs1 lakh: ₹4.00 · Branch — Above Rs1 lakh up to Rs2 lakh: ₹14.00 · Branch — Above Rs2 lakh: ₹24.00
Trigger Condition
Regular Savings Account; online and branch outward NEFT. Ordinary non-senior Regular Savings pricing only; excludes Senior Citizen pricing, the above-80 waiver, Speciale Senior Citizen and other special-product waivers.
Verified on 2026-09-17
RTGS charges1 checked entry
Regular Savings Account · General
Online — Rs2 lakh and above: ₹0.00 · Branch — Rs2 lakh up to Rs5 lakh: ₹20.00 · Branch — Above Rs5 lakh: ₹45.00
Trigger Condition
Regular Savings Account; outward RTGS at or above the permitted minimum amount. Ordinary non-senior Regular Savings pricing only; excludes Senior Citizen pricing, the above-80 waiver, Speciale Senior Citizen and other special-product waivers.
Verified on 2026-09-17
What HDFC Bank Limited prints on your statementStatement narrations · 3 decoded
3 narrations decoded against HDFC Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
Annual Account Leakage AuditHow much is HDFC Bank Limited quietly deducting every year?
How much is HDFC Bank Limited quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Official HDFC Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Disputing a Wrongful Charge at HDFC Bank LimitedDispute & Refund Assistance · RBI three-level route
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email HDFC Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to HDFC Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (HDFC Bank Limited)4 questions
What is the minimum balance (AMB) requirement in HDFC Bank Limited?
In HDFC Bank Limited, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for HDFC Bank Limited?
Debit card maintenance charges at HDFC Bank Limited are billed annually based on card variant plus 18% GST.
Can HDFC Bank Limited deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), HDFC Bank Limited is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by HDFC Bank Limited?
To dispute a wrongful deduction at HDFC Bank Limited: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to HDFC Bank Limited's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).