| Features | E-Comm Current Account |
| Average Quarterly Balance (AQB) | ₹ 25,000 |
| Non-Maintenance Charges (per quarter) | ₹ 1,800 |
| CASH TRANSACTIONS |
Combined Cash Deposit Limit @ any HDFC Bank Branches
- Monthly Limit | Combined Limit@ any HDFC Bank Branches
Free up to Higher of ₹ 3 lacs OR 6 times the current month AMB OR 40 transactions whichever is breached first,(subject to maximum ₹ 100 lacs)
Charges @ ₹ 3.5 per ₹ 1,000, minimum ₹ 50 per transaction beyond free limits |
| Cash deposit in low denomination notes i.e. Rs 50 and below @ any HDFC Bank Branch (monthly) | 1. Cash deposit in notes = Free up to ₹ 10,000/- per month, beyond free limit chargeable at 2% of cash deposit in low denomination notes |
| 2. Cash deposit in coins = Free up to ₹ 1,000/- per month, beyond free limit chargeable at 5% of cash deposit in coins |
| Operational Limit for Cash Deposit @Non-Home Branch (per day) | ₹ 1,00,000 |
| Cash Withdrawal Limit @ Home Branch | Free |
| Cash Withdrawal Limit @ Non Home Branch (Daily Limit) | ₹ 1,00,000 per day
Charges @ ₹ 2 per ₹ 1,000, minimum ₹ 50 per transaction beyond free limits |
| NON - CASH TRANSACTIONS |
| Local / Intercity Cheque Collection/Payments & Fund Transfer | Free |
| Bulk Transactions (count of all Cheque clearing and Fund Transfer transactions) - Monthly Free Limit | Free up to 200transactions
Charges @ ₹ 30 per transaction beyond free limits |
| Cheque Leaves - Monthly Free Limit | Free up to 300 cheque leaves
Charges @ ₹ 3 per leaf beyond free limits |
Outstation cheque collection @ Clean Location
(per instrument charges) | Up to ₹ 25,000 - ₹ 50
₹ 25,001 to ₹ 1,00,000 - ₹ 100
Above ₹ 1,00,000 - ₹ 150 |
| Demand Drafts (DD)/ Pay Orders (PO) @ Bank Location | Free up to 50 DD/PO each
Charges @ ₹ 25 per instrument beyond free limits |
| Demand Drafts (DD) @ Correspondent Bank location | Charges @ ₹ 2 per ₹ 1000 ; Minimum ₹ 50 |
| ELECTRONIC TRANSACTIONS |
| NEFT payments | Free |
| RTGS payments | Free |
| IMPS Payments | ₹0 -₹1000 | ₹3.50 per transaction |
| ₹1001 -₹100000 | ₹5 per transaction |
| Above₹100000 | ₹15 per transaction |
| NEFT / RTGS / IMPS Collections | Free |
DEBIT CARDS(only for Individuals and Sole proprietorships) |
| Debit Card | EasyShop Business# | ATM Card |
| Annual Fee per card | Rs 350/- plus taxes | Free |
| Daily ATM limit | ₹1,00,000 | ₹10,000 |
| Daily Merchant Establishment Point of Sale limit | ₹5,00,000 | NA |
# Also available for partnership firms & limited company current accounts. In case, the MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) have to sign the form jointly.
*For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.
For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect.
*Revised Business Debit Card charges are effective from 1st August’2024 |
| ATM Usage |
| ATM transactions (@ HDFC Bank ATM) | Unlimited Free |
| ATM transactions (@ Non- HDFC Bank ATM) | Maximum of 5 transactions free in a month with a cap of Maximum 3 free transactions in Top 6 cities @ Non-HDFC Bank ATM
(transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities) |
| ACCOUNT CLOSURE CHARGES |
| Closure: Up to 14 days | No Charge |
| Closure: 15 days to 6 months | ₹ 1,000 |
| Closure: 6 months to 12 months | ₹ 500 |
| Closure: Beyond 12 months | No Charge |
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| ACH Return Charges |
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| 1 to 3 transactions in a month | ₹ 350 per transaction |
| Fourth instance and beyond | ₹ 750 per transaction |
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| Other Charges |
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| One time Mandate Authorisation Charges (Physical / Online) | ₹ 40 per mandate |
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| Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB |
