(Charges specified are exclusive of service tax)

BENEFITS

FEES

Account Opening Amount &
Average Quarterly Balance (AQB)

Rs. 50000

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. 40,000 per day

Debit Card POS spending limit

Rs. 50,000 per day

Debit Card-Annual fee

Free

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

10 Free ABB Cash transactions per month (Inter-city as well as Intra-city)
Maximum of Rs. 3 lac per day.
(Subject to a maximum limit of Rs. 75
lacs p.m-inclusive of DD, PO & ABB
limits).DD charges will apply for ABB
cash transactions beyond the aforesaid limits.

ABB Funds Transfer

Inter-city Transfer-Free upto Rs. 75 lacs
per month (inclusive of DD, PO & ABB limits) Re. 1 per Thousand, Min Rs. 50,
Max Rs. 3000 for Incremental over
Rs. 75 lacs p.m.
Intra-city Transfer -Free

ABB Clearing

Free - Within the specified limit of Rs. 75
lacs p.m (Inclusive of DD, PO & ABB
limits) DD Charges will be applicable
thereafter (Min. Rs. 50, Max Rs. 3000)

Local DD (Payorders)

Non - Cash Transaction

Free upto Rs. 75 lacs per month
(Inclusive of ABB, PO & DD limits) Above
Rs. 75 lacs- Re. 1 per 1000, Min. Rs. 50,
Max Rs. 3000

Cash Transaction

Rs. 300

Demand Drafts: DCB and HDFC Locations

Non-Cash Transaction

Free upto Rs. 75 lacs per month
(Inclusive of ABB, PO & DD limits) Above
Rs. 75 lacs- 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

Cash Transaction

Correspondent Bank Charges + Rs. 300

Demand Drafts / Pay order Cancellation / Revalidation & Duplicate issuance

Cancellation / Revalidation Charges

Free

Issue of Duplicate Instrument

Free

Outstation Cheque Collection

DCB & HDFC Locations

Out of pocket expenses*

Other Locations

Rs. 2 per 1000 (Min. Rs. 25, Max
Rs. 5000) + Out of pocket expenses*

Personalised Cheque Book

Personalised Payable at par cheque Book

Free

Payable At Par cheque utilization charges

Free upto Rs. 75 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

Free

Cash Pick Up Facility

Cash & Cheque Pick-up at selected centres

Cash Pick Up: free upto Rs. 2 lacs
per day, Min Pick up Rs. 15000

Statement of Account

E - Mail

Monthly - Free

Monthly

Free

Daily

Rs. 25 per page

Weekly

Rs. 600 p.a.

Fortnightly

Rs. 300 p.a.

Duplicate Statement

Upto 6 months - Free
> 6 months Rs. 25 per Page

Balance Confirmation Certificate & Interest Certificate

Current Year

Free

Previous Year upto last 2 years

Free

Above 2 years

Free

Duplicate

Rs. 50 per certificate

Signature Verification

Free

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

Free

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

Setup

Free

Execution

Rs. 25 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. 25 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 8 lakh per month. Rs 2 /1000 on amount exceeding Rs 8 lakhs

Cash Deposit in Denominations
lesser than Rs. 50

2000 notes per day free, over that a charge of Rs. 5 per 100 notes or part thereof

Scheme Transfer Fees

Scheme changes 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.

Electronic Funds Transfer -Inward

Free

Electronic Funds Transfer-Outward

Free upto 2 crores per month
thereafter 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. 100/-

Penalty for non-maintenance of AQB

Penal Charges

AQB <50000>25000 = Rs. 1000
per quarter, AQB <Rs. 25000 =
Rs. 1500 per quarter

Penal Charges for Cheque book

Cheque book - Rs 5 per leaf of cheque
book taken in the quarter in which AQB
is not maintained subject to a maximum
of Rs. 300 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 in a quarter-Free, Rs. 25 per transaction thereafter subject to a maximum of Rs. 100 per quarter.

Penal Charges for Transactions at Cashnet / Infinet 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. 2 lac per month (At Base Branch + Non Base Branch)
Subject to a maximum of Rs. 300 per quarter