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No
matter what a customer's need and occupational status, we have a range of
solutions that are second to none.
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.
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.
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.
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.
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:
Wide network of branches and over thousand ATMs to meet all your banking needs no
matter where you are located.
Free cash withdrawals on any other Bank's ATM
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 Passbook facility available at home branch for account holders (individuals).
Free Email Statement facility.
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 of
Rs. 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 Passbook facility available at home branch for account holders (individuals).
Free Email Statement facility .
Special Privileges
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.
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.
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 .
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.
Free cash withdrawals on any other Bank's ATM
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 OR
Avail 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.
# 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/- only
• 5 trades free .Valid for the next 3 months from the date of account opening
Gold Credit Card free*
Travellers’ Cheques issued free
Insurance Benefits* :
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.
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.
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.
Free cash withdrawals on any other Bank's ATM
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 Passbook facility available at home branch for account holders (individuals).
Free Email statements .
***Available in select cities only.
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 Payable at Par Chequebook
Free monthly account statements
Free Monthly email statements (optional)
Free ATM transactions on non-HDFC Bank Visa/Cirrus network ATM's
Free Passbook facility available at home branch for account holders (individuals)
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.
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.
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.
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
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 PhoneBanking, NetBanking and MobileBanking to access
your account.
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.
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
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.
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:
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.
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.
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.
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.
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.
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.
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.
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
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).
As 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 dphelp@hdfcbank.com
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 dphelp@hdfcbank.com.
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.
Eligibility
An individual (not minor), firms, limited company, associations, clubs, trusts, societies, etc
may hire a 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.
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.