Hdfc Bank Pro Report

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. Table Of Contents

* Certificate* Acknowledgement1. History of HDFC Bank 2. Introduction of HDFC Bank 3. Security

4. Awards5. Recognition6. Detail study of Current Account7. Detail study of Saving Account8. Objectives of Research9. Research Methodology10. Data Analysis & Interpretation11. Limitations12. Suggestions13. Conclusion14. Annexure

- Questionnaire- Bibliography


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A CKNOWLEDGEMENT

W ith deep sense of gratitude, I W ould like to take this opportunity to thank my

honorable project guide Mr.Ranjeev LakhanPal( A rea Manager) HDFC Bank mall

road,Ludhiana could not have asked for a more cooperative guide. His involvement &

unstinted support has always gives me the confidence to do my work. W ithout his

guidance this project report would not have seen the light of the day.

How could I forget to thank our Honble H.O.D. MIMIT Mr. Munish Bansal

for their kind co-operation to complete this project. I would like to thank the people who

took their time to help me to complete this project. I would like thanking my friends who

were of immense help to me.

Last but not the least, I would like to thank my parents who were a source of

support throughout the making of the report.

Thanks


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The Housing Development Finance Corporation Limited (HDFC) wasamongst the first to receive an 'in principle' approval from theReserve Bank of India (RBI) to set up a bank in the private sector, aspart of the RBI's liberalization of the Indian Banking Industry in 1994.The bank was incorporated in August 1994 in the name of 'HDFCBank Limited', with its registered office in Mumbai, India. HDFC Bank

commenced operations as a Scheduled Commercial Bank inJanuary1995.


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HISTORY OF HDFC B A NK

HDFC Bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', withits registered office in Mumbai, India. The Bank commenced operations as a ScheduledCommercial Bank in January 1995.The Housing Development Finance Corporation Limited (HDFC) was amongst the firstto receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a

bank in the private sector, as part of the RBI's liberalization of the Indian BankingIndustry in 1994.Headquartered in Mumbai, HDFC Bank, has a network of over 531 branches spread over 228 cities across India. All branches are linked on an online real-time basis. Customers inover 120 locations are serviced through Telephone Banking. The Bank also has a network of about over 1054 networked ATMs across these cities. HDFC Bank's ATM network can be accessed by all domestic and international Visa / MasterCard, Visa Electron /Maestro, Plus / Cirrus and American Express Credit / Charge cardholders.

HDFC Bank has won many awards for its excellent service. Major among them are "BestBank in India" by Hong Kong-based Finance Asia magazine in 2005 and "Company of the Year" Award for Corporate Excellence 2004-05.HDFC Bank was amongst the first to receive an 'in-principle' approval from the ReserveBank of India (RBI) to set up a bank in the private sector from Housing DevelopmentFinance Corporation Limited (HDFC), in 1994 during the period of liberalization of the

banking sector in India. HDFC India was incorporated in August 1994 in the name of 'HDFC Bank Limited'. HDFC India commenced operations as a Scheduled CommercialBank in January 1995.

HDFC India deals in varieties of products like home loan, standard life insurance, mutualfund, securities, credit cards, etc. HDFC has branch offices in all major cities in India likeCalcutta, Chennai, Delhi, Bangalore, Hyderabad, Ahmedabad apart from HDFC Mumbai.

Headquarter HDFC Bank India :'Trade Star', 2nd floor, 'A' W ing,Junction of Kondivita and M.V. Road,Andheri-Kurla Road,Andheri (East), Mumbai - 400 059.Tel: (Board) 2822 0055 / 55516666 (Fax) : 2822 9998 / 2822 2414

Network : More than 468 branches over 212 cities across the country

ATMs : The ATMs of HDFC India can be accessed by all domestic and internationalVisa/Master Card, Visa Electron/Maestro, Plus/Cirrus and American ExpressCredit/Charge cardholders.


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Authorised capital : Rs. 450 crore

Paid-up capital : Rs. 282 crore

Equity : Holds 24.2%

Listing : HDFC India has been listed on the Stock Exchange, Mumbai and the NationalStock Exchange. The bank's American Depository Shares are listed on the New York Stock Exchange (NYSE) under the symbol "HDB".

HDFC Product Range

HDFC Bank India provides the following range of products:

y Savings Accounty HDFC Bank Preferredy

Sweep-In Accounty Super Saver Accounty HDFC Bank Plusy Demat Accounty HDFC Mutual Fundy HDFC Standard Life Insurance

HDFC India innovative services

y HDFC Phone Bankingy HDFC ATMy

HDFC Inter-city/Inter-branch Bankingy HDFC Net Bankingy HDFC International Debit Cardy HDFC Mobile Bankingy HDFC Bill Pay

HDFC Bank Loans

y HDFC Personal Loany HDFC New Car Loan and Used Car Loany HDFC Loan Against Sharesy HDFC Two W heeler & Consumer Loany HDFC Home Loan

India has a well developed banking system. Most of the banks in India were founded byIndian entrepreneurs and visionaries in the pre-independence era to provide financialassistance to traders, agriculturists and budding Indian industrialists. Indian banks have

played a significant role in the development of Indian economy by inculcating the habitof saving in Indians and by lending finance to Indian industry.


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The commercial banking structure in India consists of: Scheduled Commercial Banks andUnscheduled Banks. Scheduled commercial Banks constitute those banks, which have

been included in the Second Schedule of Reserve Bank of India (RBI) Act, 1934. RBIincludes only those banks in this schedule, which satisfy the criteria laid down vide

section 42 (6) (a) of the Act.

Indian banks can be broadly classified into nationalised banks/public sector banks, private banks and foreign banks.


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HDFC Bank Ltd, India HDFC Bank bank is one of the largest private sector bank in India . It has branches andATMs all over India , details of which are available at their website HDFC bank branchlocations . HDFC bank ATM locations . Like most private sector banks, all HDFC bank

branches in India are networked. You can access your account from any HDFC bank branch in India.

Anyone can also deposit a local cheque in your account at any branch of HDFC bank.However, the bank charges a minimum Rs 50 for such non base branch transactions for standard current accounts. If someone deposits an HDFC bank cheque in your account ata Delhi branch and you have an account in Mumbai, it will be an inter branch transfer and the amount will be credited the same day . But HDFC will charge you Rs 50(+service tax) for the transfer . If you deposit the same cheque at any Mumbai branch,you will not be charged. Third party cash deposits at non base branch are not allowed.

Exchange rates for foreign currency cheques and telegraphic transfers can be obtainedthrough phone banking. Sometimes, their correspondent bank convert telegraphictransfers directly into Rupee drafts and deposit in the recipients account. In such cases,you can request the customer care to send a photocopy copy of the draft/credit advicereceived. If the customer care is unable to help you or is responsive, it is advisable tovisit the branch where you have an account.

Since HDFC bank, offers online banking - Netbanking , you can check the balance inyour account any time. Their online banking system is often down on weekends /holidays for maintenance. The user interface for online banking is very user friendlycompared to ICICI bank. You can open a fixed deposit (FD) online using Netbanking,even at 10pm at night. The process is very simple, you have to specify amount, duration,

branch and type of fixed deposit. The Fixed deposit is generated instantly . They willsend the receipt for the fixed deposit booked online by post later. To break the fixeddeposit, you have to visit the branch and submit the signed copy of the fixed deposit. Toavoid TDS, their personal banker recommends opening Fixed Deposits in different

branches of HDFC bank.

You can check the status of the cheques issued by you online. However, the status of outstation cheques deposited is not reflected unless the cheque is actually credited to your account. Outstation cheques are credited after 10-15 days (or even longer due to bank holidays) and it is difficult to track the status of these cheque. Hence it is advisable todeposit at the counter of the bank branch, so that you have an acknowledgement withyou. If your cheque is not credited, after you contact their phone banking, they will onlyregister the the complaint . They do not give any complaint number and tell you tocontact on phone after 4 days. Public sector banks like Canara bank, for similar complaints , you are told the status of the cheque within 5 minutes

It is advisable not to keep large amounts in your bank account, especially if you useinternet banking .


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There is story in Mumbai Mirror dated May 18, 2006 on how Rs one lakh was transferredout online from the account of a HDFC customer to another HDFC account and then toan SBI account. Even after one month, the person who committed the fraud has not beentraced.

They also offer free clearance of outstation cheques, drawn on HDFC branch locationswith delayed credit, for current accounts. (ICICI bank charges Rs 100 per outstationcheque). You should ensure that you have stamped acknowledgement from the branch ,since the cheque may be credited after 20 days or more. For locations where HDFC bank does not have a branch, clearance will take longer and the bank charges Rs 50 (+ servicetax)If you have a credit or debit card, you can use their virtual credit card, Netsafe for online

purchase. If you deposit a cheque at the branch before 10 am, it is reflected in the onlinestatement the same day before 7 p.m. If a deposited cheque is returned due to technicalreasons, there are no charges. If the deposited cheque is returned due to insufficientfunds, the bank charges Rs 50 and the cheque is returned to you by courier within 2-3

days.Unless you have no option, it is advisable to get a stamped acknowledgement for chequesdeposited. At times, a cheque deposited in their drop box, is not reflected in the bank statement. It can take up to 3 days for the cheque to be traced, after daily follow-up withtheir phone banking officers. The bank timings are similar to nationalized banks, usuallyfrom 8.30 am to 2 pm (Monday- Friday) and their phone banking officers are onlyavailable between 9.30 am and 6.30pm (Monday to Friday). On Saturday, the workinghours are even shorter.

Bank charges are periodically revised and the updated charges are mentioned inextremely fine print on the last page of their quarterly bulletin to account holders. If youask their customer support about revision in the bank charges, they will ask to ask you tovisit their branch. W e have visited their Mulund branch twice (September and October),

but the latest copy of their schedule of charges for current accounts was not available.Breaking a fixed deposit, which normally takes 2 minutes in all other banks in India,takes a very long time in HDFC bank. I have waited for half an hour before their personal

banker (more like a personal time waster) took the necessary action.

The charges for Foreign Inward Remittance Certificate (FIRC) were increased to Rs 150with effect from July 1, 2005. HDFC bank interest rates for fixed rate home loans aboveRs 25 lakh are lower by .25%. Floating interest home loans have an even lower interestrate. HDFC bank sells gold to retail customers in the form of Mudra rectangular gold barsof 5 grams. It offers a discount of 2% for existing bank customers


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SecurityConduct all your NetBanking transactions on the Internet in a safe and secureenvironment. HDFC Bank uses 128-bit Secure Socket Layer (SSL) technology, which isthe highest level of security commercially available. Plus, a host of internal controlmeasures and processes ensure that your transactions remain confidential.

HDFC Bank currently offers its NetBanking customers some of the services providedthrough its regular branch channels. These services can broadly be clubbed as query-

based and transaction-based. Examples of query-based transactions include checkingaccount balances, update on cheque status/ cheque book status, and viewing accountstatements. Transaction-based services include stop payment on cheque, requesting aDemand Draft / Managers Cheque / new Fixed Deposit / Funds Transfers. Bank further

provides utility payment services and merchant payment services for all registered Netbanking customers. The Bank of late has provided all net banking customers the EFTfacility offered by RBI through NetBanking.

W hile NetBanking is essentially an additional banking channel that we offer our customers for their convenience, HDFC Bank has assessed the risk from the operationalas well as from a technology and security perspective. Some of the risks that we haveconsidered are mentioned below:

A uthentication of Transaction by the customer is a key risk area from an operational perspective. As a precautionary measure, we have installed a multi-level process,whereby customers can perform NetBanking transactions only if they are valid accountholders, and then by using a combination of a unique Customer ID, and a uniquerandomly generated password known only to the customer which he can change tohis/her convenience. The onus of maintaining the confidentiality of the password is onthe customer. Further, customers can only do financial transactions between accountswhere they already possess normal operational rights.

Repudiation of transaction by the customer is another risk that has been identified.However, customers can log in only by using a unique combination of Customer ID andPassword, after which transactions can be carried out. The Bank has already implemented128-bit encryption, which is the highest level of security commercially available

From a technology prospective, we have ensured that we use the best availabletechnology for security/ protection. W e use 128-bit SSL, and have various levels of security to ensure that unauthorized access is not possible. W e have a dedicated team thatsupervises the banking systems, 24x7 in our data center


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The operational and internal control measures we have in Netbanking include: -

Access to Internet banking provided only based on application and valid customer ID.NetBanking password - issued to customers only on specific request.

- The password - generated using an internationally validated algorithm and printedon tamper-proof stationery.

- Access to customer information - given based on a combination of a uniqueCustomer ID and password. Therefore, a customer can access account information onlyon those accounts where he has a relationship with the bank (Account Holder).W hereever, the customer has opted to avail the third party fund transfer services of theBank, bank provides a window for transfer of funds to any account holder within the

bank and who does not share any relationship with the customer's account. Allcorrespondence on account of transactions originating from NetBanking is sent to thecustomer's address registered with the Bank and not to any third party address. Accountrelated customer information or instructions which are confidential in nature are notsolicited / accepted over email. Customer logins and activities are tracked and the sameare available for future investigation.HDFC Bank follows a strict policy of Backup, Storage and Retrieval for all its systems, which includesNetBanking.


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HDFC Bank began operations in 1995 with a simple mission: to be a " World-classIndian Bank " . W e realised that only a single-minded focus on product quality andservice excellence would help us get there. Today, we are proud to say that we are well

on our way towards that goal.

A wards for Years 2003 to 2007

It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally.

2007

The Asian Banker Excellence in RetailFinancial Services Awards

Best Retail Bank in India

Asian Banker Our Managing Director A ditya Puri wins the Leadership A chievementA ward for India

2006

Business Today Best Bank in India.

Forbes Magazine One of A sia Pacific's Best 50 companies.

Businessworld Best listed Bank of India.

The Asset Magazine'sTriple A Country Awards

Best Domestic Bank.

Asiamoney Awards Best Local Cash Management Bank in Large and Medium segments.

Euromoney Awards " Best Bank " in India.


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Forbes Global Best Under a Billion, 200 Best Small Companies for 2003

The Financial Express " Best New Private Sector Bank 2003 in the FE-Ernst & Young Best BanksSurvey 2003.

Outlook Money Best Bank in the Private Sect

Business Today Best Bank in India NASSCOM andeconomictimes.com

'Best IT User in Banking'


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Banking should be effortless. W ith HDFC Bank, the efforts are rewarding. No matter what a customer's need and occupational status, we have a range of solutions that aresecond to none.

Whether you're employed in a company and need a simple Savings account or run your own business and require a robust banking partner, HDFC Bank not only has the perfect

solution for you, but also can recommend products that can augment your planning for the future.


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Savings A ccounts

These accounts are primarily meant to inculcate a sense of saving for the future,accumulating funds over a period of time. W hatever 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 Retail Trust Premium Kids Advantage Defence Pension Savings Reimbursement Family Savings Kisan No Frills Savings

Kisan Club Savings

Current A ccounts

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 684 branches in 316 cities. Not only that, you can do most of your bankingtransactions from the comfort of your office or home without stepping out.

W e make it our business to help you with your business by offering you a CurrentAccount 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, alsothat your business needs are constantly evolving. That's where we come in. W e provideyou 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.

Plus Trade Premium Regular


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DET A IL STUDY OFCURRENT A CCOUNTS

In today's fast-paced world, your business regularly requires you to receive and send funds to various citiesin the country. HDFC Bank Plus Current Account gives you the power of inter-city banking with a singleaccount and access to more than 316 cities.

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 serviceshave 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 H DFC Bank Plus Current Account.

Features & Benefits

Free Account to account funds transfer between HDFC Bank accounts

Free payment and collection through RTGS .Free payment and collection using NEFT (through Netbanking )

Free up to 50 Demand Drafts per month and can be issued from any HDFC Bank Branch

Free up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch.

Free anywhere collection & payment transactions (clearing) within HDFC Bank branch network (except Dahej), up to Rs.100 lacs per month.

Convenience to withdraw & deposit cash at all our branches*

300 "At Par" cheque leaves free per month.

Register for Insta A lert service and receive updates on your account as and when theselect transaction happens - all this without visiting the branch or ATM!

Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking thathelps you check your balance & transaction details, find out the status of your cheque


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Other Current A ccount facilities

Issue of Duplicate /Adhoc Statement

Rs. 100 at Branch or Phonebanking (Non-IVR),Rs. 50 per statement throughPhonebanking (IVR),

Netbanking, ATM,Mobilebanking.

Mode of calculation of minimum averagequarterly balance

Average of daily closing balances of each day spreadover a period of three months.

Remittance facility through own Bank

Demand Drafts (DD)

payable HDFC Bank Locations (Issued fromany branch) / DuplicateDD

Free up to 50 DDs per month.Above 50 transactions, charges@ Rs. 25/- per Demand draft

Pay Orders (PO) - onHDFC Bank Locations(Issued from AnyBranch) / Duplicate PO

Free up to 50 POs per month.Above 50 transactions, charges@ Rs. 25/- per Pay-order

Issuance of DD/ POthrough PhoneBanking

Rs. 25**Only DD amount upto Rs

300,000 for Current PlusAccountholders accepted atPhonebanking. All standardcharges for DD are applicableas above.

DD/PO-Cancellation/Revalidation Rs.50/- per instrument

NEFT/EFT Transactions :

Payments Free

Collections Free

RTGS Transactions :

Payments Free

Collections Free


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Local Transactions ( A thome branch location)

Local cheques collections& payments Free

Account to Account FundTransfer within HDFCBank

Free

A nywhere Transactions(except Dahej)

Account to Account FundTransfer within HDFCBank

Free

Payments & Collectionsat HDFC Bank Locations

Free up to Rs.100 lacs per month, beyond which charges@ Rs. 0.50/1000, min Rs. 25

Bulk TransactionCharges

All transactions are subject to amaximum of 250 transactions

per month, beyond whichcharges @ Rs.5/- per transaction would be levied.

Includes all Local / Anyhwereclearing and transfer transactions

Remittance facility through other Bank

Issue of Demand Drafts(DD) / Duplicate DD(Correspondent tieup)

Rs.2.00 per Rs.1000/-Minimum Rs.50/-

DD-Cancellation /

RevalidationRs.50/- per instrument

Cheque Collection

Outstation through own bank

Collection : Free, only courier charges of Rs 20 per instrument


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Cash Deposit-HomeBranch Location

Free upto Rs.10 lacs per monthor 50 transactions which ever islower, Deposit in excess of Rs.10 lacs or 50 transactionswill be charged @ Rs.2/- per

Rs.1,000/-, minimum Rs.50/-.(Cash deposit at non-home

branches within home-branchcity subject to limit of Rs.100,000/- per account per day)

Cash Deposit -Non Homelocation

Maximum Rs.100,000/- per day. Charges @ Rs. 3/1000,min Rs. 50

Cash Withdrawal

Cash W ithdrawal-HomeBranch Free at Home Branch

Cash W ithdrawal-NonHome Branch-Intracity &Intracity

Free cash withdrawals uptoRs.50,000/- per day, beyondwhich charges @ Rs.2/1000,min Rs.50/- (Only for incremental amount), Third

party cash withdrawal allowed

only up to maximum Rs.50,000/- per transaction.

Miscellaneous

Balance enquiry Rs.25/-

Balance Certificate Rs.50/-

Interest Certificate Rs.50/-

Photo attestation Rs. 50/-

Signature attestation Rs. 50/-

Stop Payment Charges

Particular cheque Rs.50/- (Rs.40/- through phonebanking, FREE through Net


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In today's changing business requirements, you need to transfer funds across cities, and time is of theessence. HDFC Bank Trade Current Account gives you the power of inter-city banking with a single account.

From special cheques that get treated at par with local ones in any city where we have a branch, to freeaccount to account funds transfer between HDFC Bank accounts, to free inter-city clearing of up to 50 lakhsper month, our priority services have become the benchmark for banking efficiency. Trade Current Accountrequires 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

Features & Benefits

Free Account to account funds transfer between HDFC Bank accounts.

Free RTGS/NEFT Transactions.

Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFCBank Branch.

Free up to 30 Pay Orders (PO ) per month and can be issued from any HDFCBank Branch.

Free anywhere collection & payment within HDFC Bank branch network (exceptDahej), up to Rs.50 lacs per month.

Convenience to withdraw & deposit cash at all our branches*

200 "At Par" cheque leaves per free month .

Register for Insta A lert service and receive updates on your account as and whenthe select transaction happens - all this without visiting the branch or ATM!

Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking thathelps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

*Conditions Apply

Refer fees and charges for further details.

Fees & Charges for Trade Current A ccount


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Description of Charges Trade Current A ccount

Current A ccounts with Cheque facility

Minimum Balance (AverageQuarterly Balance) Rs. 40,000/-

Non-Maintenance Charges per quarter

Charge of Rs.1,200/- per quarter, if AQB is less thanRs.40,000/-

Cheque Book Charges(Issued by Bank)

Payable-at-par

200 cheque leaves Free per month. Charges Rs 2/- per leaf beyond 200 leaves


Issue of Duplicate / AdhocStatement

Rs. 100 at Branch or Phonebanking (Non-IVR),Rs. 50 per statement through Phonebanking (IVR),

Netbanking, ATM, Mobilebanking.

Mode of calculation of minimum average quarterly

balance



Demand Drafts (DD) payableHDFC Bank Locations(Issued from any branch) /Duplicate DD

Free up to 30 DDs per month. Above 30 transactions,charges @ Rs. 25/- per Demand draft

Pay Orders (PO) - on HDFCBank Locations (Issued fromAny Branch) / Duplicate PO

Free up to 30 POs per month. Above 30 transactions,charges @ Rs. 25/- per Pay-order

Issuance of DD/ PO through

PhoneBanking

Rs. 50 through Phonebanking**Only DD amount upto Rs 100,000 for Preferred & Rs

50000 for other customers accepted at Phonebanking.All standard charges for DD are applicable as above.




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Payments Free

Collections Free

RTGS Transactions :

Payments FreeCollections Free


Local cheques collections & payments Free

Account to Account Fund

Transfer within HDFC Bank Free

A nynhwere Transactions(except Dahej)

Account to Account FundTransfer within HDFC Bank Free

Payments & Collections atHDFC Bank Locations

Free up to Rs.50 lacs per month, beyond which charges@ Rs. 0.50/1000, min Rs. 25

Bulk Transaction Charges

All transactions are subject to a maximum of 150transactions per month, beyond which charges @ Rs.5/-

per transaction would be levied.Includes all Local /Anyhwere clearing and transfer transactions.


Issue of Demand Drafts (DD)/ Duplicate DD(Correspondent tieup)

Rs.2.00 per Rs.1000/- Minimum Rs.50/-

DD-Cancellation /Revalidation Rs.50/- per instrument

Cheque Collection

Outstation through own bank Rs. 0.50/1000, min Rs. 25 per instrument


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Outstation through another bank

Correspondent bank locations: Rs.4/- per Rs.1,000/-,min Rs.50/-For Clean locations (non-correspondent

bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs25)

Bouncing of cheques- Local

Cheques Drawn on us

Due to Insufficient Funds Rs.300/- per Instrument

Accounts not maintainingAQB as of previous quarter Rs.350/- per Instrument

Due to Technical Reasons No Charge

Cheques DepositedReturned Unpaid

Local Rs.50/- per Instrument

Accounts Not maintainingAQB as of Previous Quarter Rs.100/- per Instrument

Outstation Rs.100/- per Instrument

Bouncing of cheques-

outstation- through own bank Rs.100/- per Instrument

Bouncing of cheques-outstation- through another

bank Rs.100/- per Instrument

Cash Transactions

Cash Deposit

Cash Deposit-Home BranchLocation

Free upto Rs.5 lacs per month or 40 transactions which

ever is lower, Deposit in excess of Rs.5 lacs or 40transactions will be charged @ Rs.2/- per Rs.1,000/-,minimum Rs.50/-. (Cash deposit at non-home brancheswithin home branch city subject to limit of Rs. 50,000/-

per account per day)

Cash Deposit -Non Homelocation



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Cash Withdrawal


Cash W ithdrawal-Non HomeBranch-Intracity & Intracity

Free cash withdrawals upto Rs.50,000/- per day, beyondwhich charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawalallowed only up to maximum Rs. 50,000/- per transaction.

Miscellaneous







Particular cheque Rs.50/- (Rs.40/- through phone-banking, FREE through Net Banking)

Range of cheques Rs.100/- (Rs.80/- through phone-banking, FREEthrough Net Banking)

A ccount Closure:

Up to 14 days No Charge

15 days to 6 months Rs.100/-

More than 6 months No Charge

Inoperative account Activation of Dormant/inoperative account Rs.100/-

Transactions throughPhoneBanking:

Interactive Voice Response Free


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(IVR)

Non-IVR-Agent assisted-For accounts maintaining AQB Free

Non-IVR- Agent assisted -For accounts NOTmaintaining AQB as of

previous quarter and for transactions that are availableon IVR

Rs.50/- per call

ECS (Debit) Return Charges Rs 200 (plus taxes)


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Your business needs a partner who can manage your finances while you concentrate on growing your business.

You can avail benefits of inter-city banking account with Premium Current Account, which requires anaverage quarterly balance of only Rs. 25,000, offers Payable-At-Par cheque book facility & FREE inter-cityclearing 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, andthrough direct access channels - the phone, mobile, Internet and through the ATM.

Enter into a profitable relationship and access all the privileges flowing your way

Features & Benefits

Fees & Charges for Premium C/ A

Description of Charges Premium Current A ccount



Charge of Rs.900/- per quarter, if AQB is less thanRs.25,000/-


Payable-at-par

100 cheque leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves






balance



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DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD,Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-,Above Rs. 100,000- Free

Pay Orders (PO) -on HDFCBank Locations (Issued fromAny Branch) / Duplicate PO

PO amount Up to Rs. 50,000 charges Rs. 40/- per PO,Above Rs. 50,000 and up to Rs. 100,000 - Rs. 25/-,Above Rs. 100,000- Free

Issuance of DD/ PO throughPhoneBanking

Rs. 50 through Phonebanking**Only DD amount upto Rs 100,000 for Preferred & Rs50000 for other customers accepted at Phonebanking.All standard charges for DD are applicable as above.



Payments Free

Collections Free

RTGS Transactions :

Payments Rs. 100/- per transaction

Collections Free




A nywhere Transactions(except Dahej)

Account to Account FundTransfer within HDFC Bank Rs.15/- per transaction

Payments & Collections atHDFC Bank Locations

Free up to Rs. 25 lacs per month, Charges atRs.1.50/1000, min Rs. 25


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per transaction would be levied. Includes all Local /Anyhwere clearing and transfer transactions.





Cheque Collection

Outstation through own bank Rs.2.50 per Rs.1,000/- for Cheques drawn on HDFCBank Locations, min Rs. 50 per instrument.




Bouncing of cheques- Local Cheques Drawn on us






Accounts Not maintainingAQB as of Previous Quarter Rs.100/- per Instrument



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Bouncing of cheques-outstation- through own bank Rs.100/- per Instrument



Cash Transactions

Cash Deposit


Free upto Rs.3 lacs per month or 25 transactions whichever is lower, Deposit in excess of Rs.3 lacs or 25transactions will be charged @ Rs.2/- per Rs.1,000/-,minimum Rs.50/-. (Cash deposit at non-home brancheswithin home branch city subject to limit of Rs. 25,000/-

per account per day)Cash Deposit -Non Homelocation


Cash Withdrawal


Cash W ithdrawal-Non HomeBranch-Intracity & Intracity

Free cash withdrawals upto Rs.25,000/- per day, beyond

which charges @ Rs.2/1000, min Rs. 50/- (Only for incremental amount), Third party cash withdrawalallowed only up to maximum Rs.50,000/- per transaction.

Miscellaneous



Interest Certificate Rs.50/-Photo attestation Rs. 50/-




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A ccount Closure:


15 days to 6 months Rs.100/-

More than 6 months No Charge



Interactive Voice Response(IVR) Free



previous quarter and for transactions that are availableon IVR

Rs.50/- per call


A Current account is ideal for carrying out day-to-day business transactions. With the HDFC Bank Regular Current Account, you can access your account anytime, anywhere, pay using payable at par cheques or deposit cheque at any HDFC bank branch. It also facilitates FREE NEFT transactions & FREE RTGS


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collections for faster collections in your account. Regular Current Account requires you to maintain anaverage quarterly balance of only Rs. 10,000.

With a vast network of branches in cities all over the country, and access to a multitude of ATM's, you cankeep track of all your transactions anytime

Features & Benefits

Convenient inter-city banking :Deposit your local cheques in one branch of a city and have it credited to your account at a branch in another city or make payments across HDFC Bank locations using PAP cheque facility at a nominal rate

Free payments and collections through NEFT

Free RTGS collection. RTGS payment @ Rs.100/- per transaction

Inter-city Account to accounts funds transfer between HDFC Bank accounts at anominal 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.50,00/- & up to Rs.100,000/- at nominal costof Rs.25/-.

Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flatcost of Rs.40/-. POs above Rs.50,00/- & up to Rs.100,000/- at nominal cost of Rs.25/-.

Payable at par cheque book at nominal price.

Register for Insta A lert service and receive updates on your account as and whenthe select transaction happens - all this without visiting the branch or ATM!

Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking thathelps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

Fees & Charges for Regular C/ A

Description of Charges Regular Current A ccount

Current A ccounts with Cheque facility



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Charge of Rs.750/- per quarter, if AQB is less thanRs.10,000/-


Payable-at-par

Charges Rs 2/- per leaf






balance




DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD,Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-,Above Rs. 100,000- Free

Pay Orders (PO) - on HDFCBank Locations (Issued fromAny Branch) / Duplicate PO

PO amount Up to Rs. 50,000 charges Rs. 40/- per PO,Above Rs. 50,000 and up to Rs. 100,000 - Rs. 25/-,Above Rs. 100,000- Free

Issuance of DD/ PO throughPhoneBanking

Rs. 50 through Phonebanking**Only DD amount upto Rs 100000 for Preferred & Rs50000 for other customers accepted at Phonebanking.All standard charges for DD are applicable as above.



Payments Free

Collections Free

RTGS Transactions :

Payments Rs. 100/- per transaction

Collections Free


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A nynhwere Transactions(except Dahej)

Account to Account FundTransfer within HDFC Bank Rs.15/- per transaction

Payments & Collections atHDFC Bank Locations Charges at Rs.1.50/1000, min Rs. 25



per transaction would be levied.Includes all Local /Anyhwere clearing and transfer transactions.





Cheque Collection

Outstation through own bank Rs.2.50 per Rs.1000 for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument.





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Bouncing of cheques- Local

Cheques Drawn on us






Accounts Not maintaining

AQB as of Previous Quarter Rs.100/- per Instrument


Bouncing of cheques-outstation- through own bank Rs.100/- per Instrument



Cash TransactionsCash Deposit


Free upto Rs.2 lacs per month or 25 transactions whichever is lower, Deposit in excess of Rs.2 lacs or 25transactions will be charged @ Rs.2/- per Rs.1,000/-,minimum Rs.50/-. (Cash deposit at non-home brancheswithin home branch city subject to limit of Rs. 10,000/-

per account per day)

Cash Deposit -Non Homelocation Not Allowed

Cash Withdrawal


Cash W ithdrawal-Non Home Cash withdrawals charges @ Rs.2/1000, min Rs. 50


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Branch-Intracity & Intracity Third party cash withdrawal allowed only up tomaximum Rs. 50,000/- per transaction.

Miscellaneous









A ccount Closure:


15 days to 6 months Rs.100/-More than 6 months No Charge



Interactive Voice Response(IVR) Free



previous quarter and for transactions that are available

Rs.50/- per call


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on IVR


Eligibility & Documentation

Resident Individuals.

Hindu Undivided Families.

Sole Proprietorship Firms.

Partnership firms.

Limited companies.

Trust Accounts.

Association/ Clubs/ Societies.

Foreign Institutional Investors.

Foreign nationals residing in India.

DET A IL STUDY OFSAV ING A CCOUNTS


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An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts and withdrawcash. 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 1,740 ATM centres spread across the country.

Features & Benefits

W ide network of branches and over thousand ATMs to meet all your bankingneeds 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 enhancedsecurity.

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 onyour account.

3 Free transactions on SBI/Andhra Bank ATMs per month.

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.

Eligibility & A ccount Operation

The following are eligible to open a Regular Savings A ccount

Resident Individuals (sole or joint account).

Minor below 18 yrs. (account only with guardian).

Hindu Undivided Families


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Trusts.

Associations.

Clubs or Societies.

Foreign Nationals residing in India*.If you are a Foreign National residing in India, you may open a Savings Account by

temporarily attaching an undertaking (QA 22 form), stating sources of credit and a copyof your Residence Permit .

A ccount Operation

A minimum deposit of Rs. 5,000/- is required to open an account and thereafter anAverage Quarterly Amount of the same amount has to be maintained

Please Note: It is mandatory to maintain a minimum Average Quarterly Balance(AQB) of Rs. 5,000/-. If the balance falls below Rs. 5,000/- a service charge of Rs.750/- will be levied per quarter

If you open a Fixed Deposit Account of Rs. 50,000/-, then you no longer have tomaintain a minimum balance of Rs. 5,000 on your Savings Account. In effect your account becomes a Zero Balance Account.

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'sSavings Plus Account. All you have to do is maintain an Average Quarterly Balance of Rs. 10,000/- and experience the benefits as mentioned below:


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Features & Benefits

W ide network of branches and over thousand ATMs to meet all your banking needs nomatter where you are located

2 Free transactions on SBI/Andhra Bank ATMs per month.

3 Free transactions on any other Bank's ATM per month.

Free Payable at Par (PAP) chequebook without any usage charges upto a limit of 50,000 per month.*

Free International Debit Card for all account holders for life time of the account

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 Email Statement facility .


The following are eligible to open a Savings Plus A ccount:



Hindu Undivided Families

Foreign Nationals residing in India*.


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If you are a Foreign National residing in India, you may open a Savings Account by

temporarily attaching an undertaking (QA 22 form) , stating sources of credit and a copyof your Residence Permit.

A ccount Operation

A minimum deposit of Rs. 10,000/- is required to open an account and thereafter anAverage Quarterly Amount of the same amount has to be maintained.

If AQB in the savings a/c is >=10,000/- and/or the balance in the FD is >=50,000/-, noAQB non-maintenance charges will be levied.

If the AQB in the SB a/c falls below 10,000/- and balance in the FD is also


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and 10,000/-: Rs. 750/- per quarter,AQB in the SB a/c is less than5,000/- :Rs. 1,000/-

Option 2

In case of non maintenance of Rs.50,000 Fixed Deposit the chargesmentioned in Option 1 would be

applicable

Cheque Book FreeRs. 5 per leaf on non maintenance of Min balance

PAP Cheque book Upto Rs. 50,000 pm - No charges, Above Rs.50,000 - Rs. 2.90 per 1000 on full amount

Account Statements - Free Monthly statements to be Collected from branch.Quarterly statements sent by post

Issue of duplicate / adhocstatements

Rs. 100 at Branch or Phonebanking (Non-IVR),Rs. 30 per statement through Netbanking,Rs. 50

per statement through Phonebanking(IVR),ATM &Mobilebanking.

Hold Statement Rs. 400 per year

Passbook issuance* Free

Duplicate passbook issuance* Rs 100/-

ManagersCheques/Demand Drafts-Issuance/Re-issuance - OnHDFC Bank Locations

Free DDs/MCs per account per month withmaximum of Rs. 25,000 per day

DD request through Branch

Above Rs.

25,000 &upto Rs.50,000

Rs. 75 **(Rs. 50 throughPhonebanking)

**Only DD amount upto Rs100,000 for Preferred & Rs 50,000for other customers accepted atPhonebanking

Above Rs.50,000 &upto Rs. 1Lakh

Rs. 2.50 per 1000 or part thereof (Min Rs. 150)

Above Rs. 1Lakh

Rs. 2 per 1000 or part thereof (MinRs. 250 & Max Rs. 5000)

DD request through Netbanking

Upto Rs. 1Lakh

Rs .30+(Corr. Bank charges if applicable)

Third partyDD* uptoRs. 1 Lakhs


(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit o f 5 lacs per custid and hence can issue multiple DDs of 1 lacs upto 5 lacs andsend it to the benefiacry address)

Managers Rs. 50


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Cheque/Demand Drafts -Cancellation /Revalidation

Rs. 40 (Senior Citizens / Individuals in Ruralareas)

Demand Drafts- Issued -On Non HDFC Bank Locations

Rs. 50 plus charges as outlined below:

Upto Rs. 500 Rs. 10

Above Rs. 500 toRs. 1000 Rs. 15


Above Rs. 5000 toRs. 10,000 Rs. 30

Above Rs. 10,000 toRs. 1 Lakh

Rs. 3 per 1000 or partthereof

Above Rs. 1 Lakh Rs. 6 per 1000 or partthereof (Min Rs. 300)

Cheque Collection - LocalClearing Zone Free

Collection of outstationcheques - our bank locations

Cheques drawn on metro/non-metro cities(Branch Locations)

Cheque value Rs. 0 toRs. 500 No Charges

Cheque value Rs. 501 &above

Re. 1 per 1000 (MinRs. 50)

* Credit on receipt of clear funds

Collection of outstationcheques - other locations

Cheques (MICR) drawn on non-branch locationswith correspondent bank tie-up - 0.40% (Min Rs.50)

Cheques drawn on non-branch locations with nocorrespondent bank tie-up/non-MICR cheques -0.65% + Rs. 25 (Min Rs. 50)


Cheque return chargesdrawn on us - Local

Due to insufficient funds - Rs. 350

Due to Technical reasons - No charge

Rs. 400 on non-maintenance of Min balance

Cheque return chargesdrawn on us deposited inother locations

Rs. 75

Cheques deposited -outward

Rs.50

Rs. 100 on non maintenance of Min balance

Balance Enquiry - at Free


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Branch

Balance Certificate Current year - Free, Previous year - Rs. 250

Interest Certificate Rs. 50

TDS Certificate Free

Account ClosureUpto 14 days - No charge15 days upto 6 months - Rs 100/-Above 6 months - No charge

Photo Attestation Rs. 50

Signature AttestationRs. 50Rs. 40 (Senior Citizens / Individuals in Ruralareas)

Address Confirmation Rs. 50

Stop Payment ChargesParticular Cheque - Rs. 50 (Rs. 40 throughPhonebanking), Range of Cheques - Rs. 100 (Rs.80 through Phonebanking)

Cheque status per instance Rs. 25

Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plusremittance charge

Unarranged overdraft NA

Cash Delivery (in selectcities)

Rs. 50 per delivery subject to max value of Rs. 1Lakh

Old records/copy of paidcheques

Upto 1 year - Rs. 50 per record, Above 1 year - Rs.100 per record

Activation of dormantaccount Rs. 100

Branch transactions

Free3 free in the qtr & Rs. 60 per additional transactionon non-maintenance of Min balance (cashdeposit/withdrawal)

Interbranch transactionsthrough teller counters -Funds Transfer

Free

Interbranch transactionsthrough teller counters -Cash transactions

Upto Rs. 50,000/- free, Above Rs. 50,000/- Rs 2.90 per 1,000/-

Third party cashtransactions at non-home

branches through teller counters

Upto a limit of Rs.10,000 per day - Rs.100 (plustaxes). Above Rs.10,000 - Not allowed

Third party cashtransactions at home

branch through teller counters

Free of charge

Local Cheque depositedfor outstation accounts

Cheque value Rs. 0 to Rs.500 No Charge


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Re. 1 per 1000 (Min Rs.50)

Phonebanking - IVR Free

Phonebanking - Non IVR

Free

Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive

ATM Card Free

ATM Card - Replacementcharges Rs. 100 (plus taxes)

ATM Card - Transactioncharge for Partner banks -SBI & Andhra Bank

Rs. 10 per balance enquiry & Rs. 20 per cashwithdrawal (plus taxes)

ATM Card - Transactioncharge for Non-Partner

banks NA

Debit Card - Annual Fee -Regular Free for all account holders for life time

Debit Card - Annual Fee -Gold Rs. 500 per year (plus taxes)

Debit Card - Annual Fee -W omen's Card Rs. 150 per year (plus taxes)

Debit Card - Renewal Fee- Regular NA

Debit Card - Renewal Fee- Gold Rs. 500 per year (plus taxes)

Debit Card - Renewal Fee- W omen's Card Rs. 150 per year (plus taxes)

Debit Card - Replacementcharges

Replacement of a damaged card - No charges &Replacement of a lost card - Rs. 100 (plus taxes)(for all card types)

Debit Card - TransactionCharge - HDFC Bank ATMs

Free

5 free in the qtr & Rs. 30 per additionaltransaction on non-maintenance of Min balance(cash deposit/withdrawal)

Debit Card - TransactionCharge - Non HDFC Bank

Domestic ATMs


Debit Card - TransactionCharge - Non HDFC Bank International ATMs


Debit Card - TransactionCharge - BOI/CanaraBank ATMs (only for Visa Card Holders)

Balance enquiry - Not available & Rs. 100 per cashwithdrawal (plus taxes)


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Debit Card - TransactionCharge - SBI/AndhraBank ATMs

2 Free txns ( Cash W ithdrawal ) per month Rs. 10 per balance enquiry & Rs. 20 per cash withdrawal(plus taxes)

PIN regeneration charge Rs. 25 (plus taxes)

Decline charge for insufficient balance

Transactions declined at other Bank ATMs

anywhere in the world or at a Merchant outletoutside India due to insufficient funds will becharged at Rs. 25 per transaction (plus taxes)

Add-on Debit Card -Regular Free

Add-on Debit Card - GoldCard Rs. 500 per year (plus taxes)

Add-on Debit Card -W omen's Card Rs. 150 per year (plus taxes)

BillPay Free

InstaPay Rs. 10 (plus taxes) per transaction

InstaAlert Free

Visa Money Transfer Rs. 20 (plus taxes) per transaction

EFT Charges - Inward NIL

EFT Charges- outward NIL

RTGS - Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, MaxRs. 1000) (plus taxes)

RTGS - Inward NIL

Mobilebanking Free

Netbanking Free

Passbook issuance(athome branch) Free

Duplicate passbook issuance Rs 100/-

W elcome to a world of convenience. Presenting SavingsMax account, loaded withmaximum benefits to make your banking experience a pleasure. By maintaining anaverage quarterly balance of just Rs. 25,000/- you get a host of premium services fromHDFC Bank absolutely free*.


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Features & Benefits

Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFC Bank

ATMs & on any other

Bank's ATM using your HDFC Bank Debit Card.

Free Gold Debit Card for primary account holder for lifetime of the account. GoldDebit Card for other account holders at Rs 250/- p.a.

Free W oman's Advantage/International Debit Card for all account holders for lifetimeof the account.

Free Payable-at-Par (PAP) chequebook, without any usage charges upto a limit of 1 lac

per month.*

Free Demand Drafts on HDFC Bank locations, upto a limit of 50,000/- per day athome branch.

Self/Third Party Cash Deposit/ W ithdrawal 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 sweep out facility to transfer extra savings to a Fixed Deposit, at the threshold

of Rs.50,000/-.Inthe event of the balance in SavingsMax account exceeding Rs 50,000/-, the amount inexcess of Rs 50,000/- will be swept out in to a Fixed Deposit with a minimum value of Rs 25000/- for a 1year 1day period.

Free BillPay & InstaAlerts for all account holders for lifetime of the account.

Free Monthly Statement of Account

Folio maintenance charges on Demat account free for first year.

50% off on the Locker rental for the 1st

year only.Free National Electronic Funds Transfer facility, NetBanking, PhoneBanking &

MobileBanking

Free Passbook facility available at home branch for account holders (individuals

Free Email Statement facility .


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The following are eligible to open a SavingsMax A ccount:

Foreign Nationals residing in India*.

If you are a Foreign National residing in India, you may open a Savings Account bytemporarily attaching an undertaking (QA 22 form), stating sources of credit and a copyof your Residence Permit.



Hindu Undivided Families.

A ccount Operation

A minimum deposit of Rs. 25,000/- is required to open an account and thereafter anAverage Quarterly Balance of the same amount has to be maintained.

If the AQB in the SavingsMax a/c >= 25,000/- and/or the balance in the FD is >=100,000/-, no AQB non-maintenance charges will be levied.

Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr.

AQB in the SavingsMax a/c between Rs10,000/- and Rs 25,000

Rs. 1000/- per quarter

AQB in the SavingsMax a/c is less than Rs10,000/-

Rs. 1,500/- per quarter

However, if the SavingsMax a/c AQB is =100,000/- nominimum balance charges will apply.

If the AQB in the SavingsMax a/c falls below 25,000/- and balance in the FD is also below 100,000 the following charges would be applicable:


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Fees & Charges for Savings Max A ccount

Description of Charges SavingsMax A ccount

Minimum Balance(Average QuarterlyBalance)

Option 1 Rs. 25,000(Urban/Semi-urban)

Option 2 NIL with a Fixed deposit of Rs.100,000

Charges on nonmaintenance thereof

Option 1

AQB in the SB a/c between Rs.10,000/- and Rs.25,000/-:Rs.1,000/-

per quarter.AQB in the SB a/c is less than Rs.10,000/- : Rs. 1,500/- per quarter.

Option 2

In case of non maintenance of Rs.100,000 Fixed Deposit the

charges mentioned in Option 1would be applicable.

Cheque Book FreeRs. 5 per leaf on non maintenance of Min balance


Account Statements - Free Monthly statements sent by post



per statement through Phonebanking(IVR),ATM &Mobilebanking.





Free DDs/MCs per account per month withmaximum of Rs. 50,000 per day

Only DD amount upto Rs 100,000 for Preferred& Rs 50,000 for other customers accepted atPhonebanking

Above Rs. 50,000& upto Rs. 1Lakh

Rs. 2.50 per 1000 or partthereof (Min Rs. 150)

Above Rs. 1 LakhRs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs.5000)



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Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)

Third party DD*upto Rs. 1 Lakhs


(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit o f 5 lacs per cust

id and hence can issue multiple DDs of 1 lacs upto 5 lacs andsend it to the benefiacry address)

ManagersCheque/Demand Drafts -Cancellation /Revalidation

Rs. 50Rs. 40 (Senior Citizens / Individuals in Ruralareas)



Upto Rs. 500 Rs. 10



Above Rs. 5000 toRs. 10,000 Rs. 30

Above Rs. 10,000 toRs. 1 Lakh








Re. 1 per 1000 (MinRs. 50)



Cheques (MICR) drawn on non-branch locationswith correspondent bank tie-up - 0.40% (Min Rs.50)







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Rs. 400 on non-maintenance of Min balance


Rs. 75

Cheques deposited -outward

Rs.50

Rs. 100 on non maintenance of Min balance

Balance Enquiry - atBranch Free










Standing InstructionsSetting up Rs. 150, Rs. 25 per transcation plusremittance charge





Upto 1 year - Rs. 50 per record, Above 1 year - Rs.100 per record

Activation of dormantaccount Rs. 100

Branch transactions

Free3 free in the qtr & Rs. 60 per additional transactionon non-maintenance of Min balance (cashdeposit/withdrawal)


Free

Self/Third party cashtransactions at non-home

branches through teller counters

Upto Rs. 50,000 - per day Free. Above Rs. 50,000- Rs. 2.90 per 1000 on the full amount


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Third party cashtransactions at home

branch through teller counters

Free of charge

Local Cheque deposited

for outstation accounts



Re. 1 per 1000 (Min Rs.50)



Free

Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBankingexecutive.

ATM Card Free



Free


banks NA

Debit Card - Annual Fee -Regular Free for all account holders for life time

Debit Card - Annual Fee -Gold

Free for primary account holder for life time.Rs.250 per year (plus taxes) for other accountholders.

Debit Card - Annual Fee -W omen's Card Free for all account holders for life time

Debit Card - Renewal Fee- Regular NA

Debit Card - Renewal Fee- Gold

Free for primary account holder for life time.Rs.250 per year (plus taxes) for other accountholders

Debit Card - Renewal Fee- W omen's Card NA


Replacement of a damaged card - No charges &Replacement of a lost card - Rs. 100 (plus taxes)

(for all card types)


Free

5 free in the qtr & Rs. 30 per additionaltransaction on non-maintenance of Min balance(cash deposit/withdrawal)

Debit Card - TransactionCharge - Non HDFC Bank Free


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Domestic ATMs



Debit Card - Transaction

Charge - BOI/CanaraBank ATMs (only for Visa Card Holders)

Free

Debit Card - TransactionCharge - SBI/AndhraBank ATMs

Free



Transactions declined at other Bank ATMsanywhere in the world or at a Merchant outletoutside India due to insufficient funds will becharged at Rs. 25 per transaction (plus taxes)

Add-on Debit Card -Regular Free


Add-on Debit Card -W omen's Card Free

BillPay Free


InstaAlert Free




RTGS - Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, MaxRs. 1000) (plus taxes)

RTGS - Inward NIL

Mobilebanking Free

Netbanking Free

Start saving for your child today and secure his/her future. Open a Savings Account and transfer moneyevery month into his/her Kids Advantage Account. Watch the savings grow as your child grows. Theaccumulated savings in the Kids Advantage Account can over the years help in meeting your child's needs


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Features & Benefits

Builds up savings for your child's future

Automatically increases the balance in your Kids Advantage Account by transferring afixed sum from your

Savings Account every month.

Amounts in excess of Rs. 5,000/- over and above a balance of Rs. 10,000/- getsconverted into Fixed Deposits for a specified period in your child's name.

Free International Debit Card for your child (above 7 years of age) with a maximumdrawing capability of Rs. 2,500/- per day.

Free Education Insurance cover of up to Rs. 1,00,000/- for your child with every KidsAdvantage Account.

Net Banking facility to monitor both, your Savings Account as well as your KidsAdvantage Account.

Free Email Statement facility

Opt for systematic Investment in Mutual Funds to plan for your childs future.


Free InstaAlerts for all account holders for lifetime of the account.

Free Funds Transfer between your Savings Account and your Kids AdvantageAccount.

Eligibility

You can open a Kids Advantage Account as long as your child is a minor and you havea Savings Account with us.

If you do not have a HDFC Savings Account, you will need to open an account.

H ow to Open a Kids Advantage Account


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Open a Savings Account with HDFC Bank (If you already have a savings account withus, you need not open a new account).

Invest a minimum sum of Rs. 10,000/- in the name of your child as a Fixed Depositwith a minimum term period of 6 months and 1 day. A new Kids Advantage Account that

links to this Fixed Deposit will be opened up in your child's name.

Instruct the bank to transfer a standard amount (min. Rs. 500/-) from your SavingsAccount every month to your child's Kids Advantage Account.

Over a period, when the balance in the Kid's Advantage Account exceeds Rs.10,000/-,the amount in excess of Rs.5,000 will be transferred into a new Fixed Deposit, for aspecific period in your child's name.

If the balance in your child's Fixed Deposit falls below Rs. 10,000/- service chargeswill apply.

Fees & Charges for Kids A dvantage A ccount

Description of Charges Kids A dvantage A ccount


Option 1 Rs. 5000 (Urban & Semi-urban)

Option 2 NIL with a Fixed deposit of Rs.10,000


AQB less than Rs. 5000 (Urban & Semi-urban) -Charges of Rs. 300 per qtr

Cheque Book Free

PAP Cheque book NA

Account Statements - Free Monthly statements to be Collected from branch.Quarterly statements sent by post



per statement through Phonebanking(IVR),ATM& Mobilebanking.






Upto Rs.10000

Rs.50Rs. 40 (Senior Citizens /


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Individuals in Rural areas)

AboveRs.10,000 &upto Rs.50,000

Rs. 75 (Rs. 50 throughPhonebanking)Rs. 60 (Senior Citizens /Individuals in Rural areas)

**Only DD amount upto Rs100,000 for Preferred & Rs50,000 for other customersaccepted at Phonebanking

Above Rs.50,000 & uptoRs. 1 Lakh


Above Rs. 1Lakh

Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)


Upto Rs. 1Lakh


Third partyDD* upto Rs.1 Lakhs


(*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit o f 5 lacs per custid and hence can issue multiple DDs of 1 lacs upto 5 lacs andsend it to the benefiacry address)

Managers Cheque/DemandDrafts - Cancellation /Revalidation




Upto Rs. 500 Rs. 10Above Rs. 500 toRs. 1000 Rs. 15


Above Rs. 5000 toRs. 10,000 Rs. 30

Above Rs. 10,000to Rs. 1 Lakh








Re. 1 per 1000 (MinRs. 50)


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Cheques (MICR) drawn on non-branchlocations with correspondent bank tie-up -0.40% (Min Rs. 50)







Rs. 75

Cheques deposited -outward Rs. 50











Standing InstructionsSetting up Rs. 150, Rs. 25 per transcation plusremittance charge





Upto 1 year - Rs. 50 per record, Above 1 year -Rs. 100 per record

Activation of dormant Rs. 100


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account

Branch transactions Free


Free

Interbranch transactionsthrough teller counters -Cash transactions

Upto Rs. 50,000 - Free, Above Rs. 50,000 - Rs.2.90 per 1000

Local Cheque deposited for outstation accounts



Re. 1 per 1000 (MinRs. 50)



Free

Rs. 50 per call on non maintenance of Min

balance for transactions that are available onIVR but are done through the PhoneBankingexecutive

ATM Card Free





banks NA

Debit Card - Annual Fee -Regular Rs. 100 per year (plus taxes)

Debit Card - Annual Fee -Gold Rs. 500 per year (plus taxes)

Debit Card - Annual Fee -W omen's Card Rs. 150 per year (plus taxes)

Debit Card - Renewal Fee -Regular Rs. 100 per year (plus taxes)

Debit Card - Renewal Fee -Gold Rs. 500 per year (plus taxes)

Debit Card - Renewal Fee -W omen's Card Rs. 150 per year (plus taxes)


Replacement of a damaged card - No charges &Replacement of a lost card - Rs. 100 (plus taxes)(for all card types)


Free


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Debit Card - TransactionCharge - Non HDFC Bank Domestic ATMs




Debit Card - TransactionCharge - BOI/Canara Bank ATMs (only for Visa CardHolders)

Balance enquiry - Not available & Rs. 100 per cash withdrawal (plus taxes)

Debit Card - TransactionCharge - SBI/Andhra Bank ATMs




Transactions declined at other Bank ATMsanywhere in the world or at a Merchant outletoutside India due to insufficient funds will becharged at Rs. 25 per transaction (plus taxes)

Add-on Debit Card -Regular

Rs. 100 per year (plus taxes) - One add-on cardfree for the first year


Add-on Debit Card -W omen's Card Rs. 150 per year (plus taxes)

BillPay Rs. 25 (plus taxes) per qtr per Customer ID


InstaAlert Free




RTGS - Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50,Max Rs. 1000) (plus taxes)

RTGS - Inward NIL

Mobilebanking Free

Netbanking Free

ECS (Debit) Return

ChargesRs 200 (plus taxes)

Passbook facility availableat home branch for accountholders (individuals)

Free


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The Family Savings Group links together upto four individual HDFC Bank accounts (same family) under asingle group. Take advantage of the group Average Quarterly Balance (AQB) and operate your individualaccounts without worrying about minimum balance.

Features & Benefits


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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.

Get 5 Free Cash withdrawal transactions on SBI ATMs per group per month.

Upto 2 free DD's/ MC's on HDFC Bank locations per account per month (max. up toRs. 25,000/- per instrument per day).

Free International Debit Card for all account holders till the account is part of theFamily group. (NRO Accounts will be issued only ATM cards

Free BillPay & InstaAlerts facility for all account holders till the account is part of theFamily 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-into 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).A vail Preferential pricing on:

Lockers : 25% Discount on the annual rent.

Gold Debit Card : Rs. 250/- for life for all account holders till they are a part of theFamily Savings Group.

Demat A ccount : 1st year Folio maintenance charges waived for all new demataccounts opened.

HSL Trading a/c : Special Registration price of Rs. 649/- for all new HSL accountsopened.

Mudra Gold Bars : Special relationship discount.


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Titanium Credit Card : Special one-time fee of Rs. 999/- for the primary applicant of all a/cs grouped. Add-on cards free.

Gold Credit Card : Special one-time fee of Rs. 750/- for the primary applicant of alla/cs grouped. Get an

add-on card Free.

Silver/ V alue Plus Credit Card : Free for life-time.

E ligibility

All members should hold individual HDFC Bank accounts.

A member of the family with an NRI status can also be part of this groupaccount.

No more than 4 members can form a Family Savings Group.

Fees & Charges for Family Savings Account

Description of Charges Family Savings Account


Rs. 25,000 (Urban & Semi-urban)


AQB between Rs. 25,000 & Rs. 10,000 -Charges of Rs. 1000 per group per qtr.Charged to the account with the highestbalance.

AQB is less than Rs. 10,000 - Charges of Rs. 1500 per group per qtr. Charged to theaccount with the highest balance.

Cheque Book Free


Account Statements Free

Monthly statements to be Collected frombranch.Quarterly statements sent by post

Issue of duplicate /adhoc statements

Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement throughNetbanking,Rs. 50 per statement through


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Phonebanking(IVR),ATM & Mobilebanking.



Duplicate passbookissuance* Rs 100/-

ManagersCheques/DemandDrafts- Issuance/Re-issuance - On HDFCBank Locations

2 free DDs/Mcs per account per month withmaximum of Rs. 25,000 per DD per day


Upto Rs.10000

Rs.50Rs. 40 (Senior Citizens /Individuals in Rural areas)

AboveRs.10,000 &

upto Rs.50,000

Rs. 75 (Rs. 50 throughPhonebanking)Rs. 60 (Senior Citizens /Individuals in Rural areas)

**Only DD amount upto Rs100,000 for Preferred & Rs50,000 for other customersaccepted at Phonebanking

Above Rs.50,000 &upto Rs. 1Lakh


Above Rs. 1Lakh

Rs. 2 per 1000 or partthereof (Min Rs. 250 &Max Rs. 5000)


Upto Rs. 1Lakh

Rs .30+(Corr. Bankcharges if applicable)

Third partyDD* upto Rs.1 Lakhs

Rs .30+(Corr. Bankcharges if applicable)

(*Third Party Registration required.Customersregistered for Third Party Transfers have a maximumlimit of 5 lacs per cust id and hence can issue multipleDDs of 1 lacs upto 5 lacs and send it to the benefiacryaddress)

ManagersCheque/Demand Drafts -Cancellation /Revalidation


Demand Drafts- Issued -On Non HDFC BankLocations


Upto Rs. 500 Rs. 10


Above Rs. 1000to Rs. 5000 Rs. 25


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Above Rs. 5000to Rs. 10,000 Rs. 30

Above Rs. 10,000to Rs. 1 Lakh



Cheque Collection -Local Clearing Zone Free

Collection of outstationcheques - our banklocations


Cheque value Rs. 0to Rs. 500 No Charges

Cheque value Rs.501 & above

Re. 1 per 1000 (MinRs. 50)



Cheques (MICR) drawn on non-branchlocations with correspondent bank tie-up -0.40% (Min Rs. 50)

Cheques drawn on non-branch locationswith no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs.50)

*Credit on receipt of clear funds





Rs. 75

Cheques deposited outward Rs. 50





Account ClosureUpto 14 days - No charge15 days upto 6 months - Rs 100/-

Above 6 months - No charge



Documents

Hdfc Bank Pro Report