(Charges specified are exclusive of service tax)

BENEFITS

FEES

Account Opening Amount & Average Quarterly Balance (AQB)

Rs. 10,000

Mode of Calculation of average quarterly balance

Sum of End of Day balances for a quarter/No of days in the quarter

Debit Card Withdrawal limit

Rs. 25,000 per day

Debit Card POS spending limit

Rs. 40,000 per day

Debit Card-Annual fee

Rs. 99

Replacement of Card

Rs. 150

Mobile Banking

Free

Internet Banking

Free

Phone Banking

Free

Utility Bill Payment

Free

Damaged Card

Free

Usage at DCB ATM

Free

Usage at Non DCB ATM Transactions(Cashnet / Infinet )

Cash Withdrawal - Domestic

Free

Balance Inquiry

Free

Usage at VISA ATMs

Cash Withdrawal - Domestic

Rs. 50 Per Transaction

Cash Withdrawal - International

Rs. 125 per transaction

Balance Inquiry

Rs. 25

Any Branch Banking (ABB)

Cash Withdrawal/Deposit
at non-base branch

5 free ABB Cash transactions per month, subject to free deposit limit of Rs. 50,000 per day. (Inter-city as well as Intra-city)
Rs. 200 per transaction beyond the specified limits.

ABB Funds Transfer

Inter-city Transfers - Will be charged at
Re. 1 per thousand
(Min Rs. 50, Max Rs. 3000)
Intra-city Transfers - Free..

ABB Clearing

Rs. 50000 per day Free. DD Charges
will be applicable thereafter
(Min. Rs. 50, Max s. 5000)

Local DD (Payorders)/Demand Drafts

Non - Cash Transaction

Re. 1 per 1000,
Min. Rs. 50, Max Rs. 3000

Cash Transaction

Rs. 300

Demand Drafts: DCB and HDFC Locations

Non - Cash Transaction

Rs. 2 per 1000, (Min Rs. 50
& Max Rs. 5000)

Cash Transaction

Rs. 300 per instrument

Demand Drafts: Other Locations

Non - Cash Transaction

Correspondent Bank Charges + 0.10%
(Min. Rs. 50/-)

Cash Transaction

Correspondent Bank Charges + Rs. 300

Demand Drafts / Pay order Cancellation / Revalidation & Duplicate issuance

Cancellation / Revalidation Charges

Rs. 50 per Instrument

Issue of Duplicate Instrument

Rs. 50 per Instrument

Outstation Cheque Collection

DCB & HDFC Locations

0.25% + Out of pocket expenses*
(Min. Rs. 25/- & Max. Rs. 5000/-)

Other Locations

Rs. 3 per 1000 (Min. Rs. 50, Max
Rs. 5000) + Out of pocket expenses*

Personalised Cheque Book

Payable at par Cheque book

Free

Payable At Par cheque utilization charges

Free upto Rs. 50 lacs per month
(Maximum Rs. 15 lacs at Non RBI
Locations). Charge of Re. 1 per 1000
will apply beyond aforesaid limits
(Min Rs. 50, Max Rs. 3000)

Stop Payments

Rs. 100 per cheque,
Maximum Rs. 500 per series

Cash Pick Up Facility

Cash & Cheque Pick-up at selected centres

Cash Pick Up: Rs. 110 per day
per pick up, Max Pick up Rs. 2 lacs

Statement of Account

E - Mail

Monthly - Free

Monthly

Free

Daily

Rs. 50 per page

Weekly

Rs. 1500 p.a.

Fortnightly

Rs. 750 p.a.

Duplicate Statement

Rs. 50 per page

Balance Confirmation Certificate & Interest Certificate

Current Year

Free

Previous Year upto last 2 years

Rs. 100 per year

Above 2 years

Rs. 500 per year

Duplicate

Rs. 50 per certificate

Signature Verification

Rs. 100 per document

Photo Attestation (only if the AOF
with photo is available at the branch)

Rs. 100 per attestation

Standing Instructions (excluding transfer to / from deposit / loan a/c & transfer to Savings Accounts)

Setup

Rs. 100

Execution

Rs. 50 per transaction + DD/PO Charges
+ courier/other out of pocket expenses*

Cheque issued & returned(financial reasons)/ECS returns

Rs 300/- per instrument

Cheque Deposited & returned Unpaid

Local

Rs. 50 per instrument

Outstation Cheque

50% of the collection chgs (Min. Rs. 100)

Charges for Cheques appearing in validation report for funds reasons

Rs. 25 per instument (except for FD
proceeds and Clearing Regularisation)

Miscellaneous Charges

Cash Deposit

Free upto a limit of Rs 1 lakh per month. Rs 2 /1000 on amount exceeding Rs 1 lakh

Cash Deposit in Denominations
lesser than Rs. 50

500 notes per day free, over that a charge of Rs. 10 per 100 notes or part thereof

Scheme Transfer Fees

Scheme charges to Lower AQB Scheme Code can be made only during first fortnight of the quarter through a written request.
Charge of Rs. 200/- is applicable for changing from higher AQB to lower AQB. No charge would be applicable for changing from lower AQB to higher AQB.

Ledger Folio Charges

50 transction p.m. - free
(Rs. 2.50 per transaction thereafter)

Electronic Funds Transfer -Inward

Free

Electronic Funds Transfer -outward

Rs 25 per transaction

RTGS-Inward

Free

RTGS-Outward

Rs.2 per 1000, Minimum-Rs.50/- & Maximum-Rs.5000/-

Visa Money Transfer

Rs 25 per transaction

Issue Of loose cheque leaves

Rs. 5/- per leaf.

Account Closure

Rs. 500 if closed within a year,
else Rs. 200

Penalty for non-maintenance of AQB

Penal Charges

Rs. 500 per quarter

Penal Charges for Cheque book

Cheque book - Rs 3 per leaf of cheque
book taken in the quarter in which AQB
is not maintained subject to a maximum
of Rs. 100 per quarter.

Penal Charges for Cash Transactions

First 3 Cash transactions at branch in a
quarter-Free, Rs. 50 per transaction
thereafter, subject to a maximum of
Rs. 100 per quarter.

Penal Charges for DCB ATM Transactions

First 6 DCB ATM transactions at any of in a quarter-Free, Rs. 25 per transaction thereafter subject to a maximum of Rs. 100 per quarter.

Penal Charges for Transactions at HDFC/NFS/Cashnet ATM network

Rs30/- per transaction for cash withdrawal and Rs15/- per transaction for balance enquiry

Penal Charges for Cash Deposit

Charge of Rs. 5 per 1000 for cash deposits exceeding Rs. 1 lac per month (At Base Branch + Non Base Branch)
Subject to a maximum of Rs. 300 per quarter