(Charges specified are exclusive of service tax)

BENEFITS

FEES

Account Opening Amount &
Average Quarterly Balance (AQB)

Rs. 500000

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. 50,000 per day

Debit Card POS spending limit

Rs. 75,000 per day

Debit Card-Annual fee

Free

Replacement of Card

Free

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

5 Free transactions per month,
Rs. 50 per transaction thereafter

Cash Withdrawal - International

2 Free transactions per month,
Rs. 125 per transaction thereafter

Balance Inquiry

Free

Any Branch Banking (ABB)

Cash Withdrawal/Deposit
at non-base branch

Upto Rs. 10 lacs per day-Free
(Inter-city as well as Intra-city)
(Subject to a maximum of Rs. 5 Crores per month-inclusive of DD & ABB limits) DD charges will apply for ABB cash transactions beyond the aforesaid limits.

ABB Funds Transfer

Free

ABB Clearing

Free

Local DD (Payorders)

Non - Cash Transaction

Free

Cash Transaction

Rs. 300

Demand Drafts: DCB and HDFC Locations

Non-Cash Transaction

Free upto Rs. 5 crores per month
(Inclusive of ABB, PO & DD limits) Above Rs. 5 crores- 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

Free

Other Locations

Only out of pocket expenses*

Personalised Cheque Book

Personalised Payable at par cheque Book

Free

Payable At Par cheque utilization charges

Free upto Rs. 5 crores per month
(Maximum Rs. 2 crores 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. 10 lacs
per day, Min Pick up Rs. 15000

Statement of Account

E - Mail

Daily - Free

Monthly

Free

Daily

Rs. 25 per page

Weekly

Free

Fortnightly

Free

Duplicate Statement

Free

Balance Confirmation Certificate & Interest Certificate

Current Year

Free

Previous Year upto last 2 years

Free

Above 2 years

Free

Duplicate

Free

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

Courier/other out of pocket expenses*

Cheque issued & returned(financial reasons)/ECS returns

Rs 300/- per instrument

Cheque Deposited & returned Unpaid

Local

Free

Outstation Cheque

Free

Miscellaneous Charges

Cash Deposit

Free upto a limit of Rs 40 lakhs per month. Rs 2 /1000 on amount exceeding Rs 40 lakhs

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 20 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 Free

Penalty for non-maintenance of AQB

Penal Charges

AQB <500000> 300000 = Rs. 2500
per quarter, AQB <Rs. 300000> Rs. 150000 = Rs. 3500 per quarter, AQB < Rs. 150000 = Rs. 5500 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. 500 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. 300 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. 5 lac per month (At Base Branch + Non Base Branch)
Subject to a maximum of Rs. 500 per quarter