Banking Should Be Effortless. With HDFC Bank, The Efforts Are

Banking should be effortless. With HDFC Bank, the efforts are rewarding.
No
matter what a customer's need and occupational status, we have a range of
solutions that are second 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.
Savings Accounts
These accounts are primarily meant to inculcate a sense of saving for the future,
accumulating funds over a period of time. Whatever 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
Senior Citizens Premium
Retail Trust Defence
Kids Advantage Kisan No Frills Savings
Pension Savings Reimbursement
Family Savings
Kisan Club Savings
Current Accounts
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 1416
branches in 550 cities. Not only that, you can do most of your banking transactions from the
comfort of your office or home without stepping out.
We make it our business to help you with your business by offering you a Current Account
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, also that
your business needs are constantly evolving. That's where we come in. We provide you 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 RFC Domestic Flexi Current
Apex Max
Choose the product most suitable for you:
Fixed Deposits
Long-term investments form the chunk of everybody's future plans. An alternative to simply
applying for loans, fixed deposits allow you to borrow from your own funds for a limited
period, thus fulfilling your needs as well as keeping your savings secure.
Regular Fixed Deposit SuperSaver Sweep-In

5 Year Tax Saving Fixed Deposit
As per the Finance Bill 2009, all fees and charges mentioned above will attract
Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective
24th February 2009.
Regular accounts
An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts
and withdraw cash. 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 3382 ATM centres spread across the
country.
Features & Benefits
Wide network of branches and over thousand ATMs to meet all your banking needs 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 enhanced security.
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 on your
account.
Free cash withdrawals on any other Bank's ATM
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.
Saving plus 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's Savings Plus
Account. All you have to do is maintain an Average Quarterly Balance of Rs. 10,000/- and
experience the benefits as mentioned below:
Features & Benefits
Wide network of branches and over thousand ATMs to meet all your banking needs no
matter where you are located.
Free International Debit Card for all account holders for life time of the account.
Free Payable at Par (PAP) chequebook without any usage charges upto a limit of 50,000
per month.*
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.
Saving max account

Welcome to a world of convenience. Presenting SavingsMax account, loaded with maximum
benefits to make your banking experience a pleasure. By maintaining an average quarterly
balance of just Rs. 25,000/- you get a host of premium services from HDFC Bank absolutely
free*.
Features & Benefits
Free Gold Debit Card for primary account holder for lifetime of the account. Gold Debit
Card for other account holders at Rs 250/- p.a.
Free Woman's Advantage/International Debit Card for all account holders for lifetime of
the account.
Free Payable-at-Par (PAP) chequebook, without any usage charges upto a limit of Rs. 2
lac per month. Above Rs. 2 lac, charge of Rs.3.50/- per Rs. 1,000/- on the full amount.
Free Demand Drafts on HDFC Bank locations, upto a limit of
Rs. 1 lac per day.
Self/Third Party Cash Deposit/Withdrawal 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 “MoneyMaximizer” (sweep- out) facility for conversion of your surplus money
into high earning fixed deposits, at the threshold of Rs.1,25,000/- . In the event of the
balance in SavingsMax account exceeding / reaching Rs.1,25,000/-, the amount in excess
of Rs.1,00,000/- will be swept out in to a Fixed Deposit with a minimum value of
Rs.25,000/- for a 1year 1day period *
Free BillPay & InstaAlerts for all account holders for lifetime of the account.
Free Monthly Statement of Account.
50% off on the Locker rental for the 1st year only.
Folio maintenance charges on Demat account free for first year.
Free NetBanking, PhoneBanking & MobileBanking.
Free Email Statement facility .
Special Privileges
Insurance Benefits (applicable from 1st Aug 09)

 Enjoy an Accidental Hospitalization cover of Rs. 1 lac per annum on your
SavingsMax account.
 You can also claim daily cash allowance* at Rs.1,000/- per day for a maximum
of 15 days per year, for each day of hospitalization due to an accident.
 This is a re-imbursement cover, extended only to the first holder of the

SavingsMax account.
 It would be applicable after the completion of the 1st calendar quarter,
post the quarter of a/c opening.
Eg. If the SavingsMax a/c is opened in August 2009, the insurance
benefit will apply only from January 2010.
 For the claim to be accepted & processed, the first holder of the
SavingsMax account should have fulfilled the below 2 conditions -
 Maintained an Average Quarterly Balance of Rs. 25,000/-
(irrespective of enjoying the benefit of a zero balance account
with a Fixed Deposit of minimum Rs. 1,00,000/-) in the calendar
quarter previous to the quarter of the date of accident.
 Should have done at least 1 purchase - point of sale (POS)
transaction at a merchant establishment using the Debit Card in
the previous 3 months before the date of accident.
For further Terms & Conditions please click here
Preferential pricing on new Online Trading Accounts
 Account opening charges Rs.399/- only (Regular pricing at Rs. 799/-)
 1 lac of trade volumes free (Valid for 3 calendar months post the online trading
a/c opening month)
“No frills” saving account
In an effort to make banking simpler and more accessible for our customers, we have
introduced the 'No Frills' Savings Account, which offers you all the basic banking facilities.
You can even avail of services like NetBanking, Mobilebanking free of cost.
All this with a Zero Initial Pay-in and a Zero Balance account !
Read more about the benefits you get on the 'No Frills' Savings Account.
Features & Benefits
Access a wide network of branches and over a thousand ATMs across the country to meet
all your banking needs.
Bank conveniently with Free NetBanking
Use the Free National Electronic Funds Transfer (NEFT) facility to transfer funds from
your HDFC Bank account to an account in another Bank at the locations as specified by
RBI - though branches. Charges applicable through NetBanking*.
Enjoy Free IVR based PhoneBanking. (Agent assisted calls will be charged*)
Get Free Quarterly Account Statements.
Access your account through a Free ATM Card.
Enjoy free Cash/Cheque Deposits at Branch/ATM
Free cash withdrawal transactions at any Bank ATMS through Debit Card
1 Free Cash withdrawal per month at the Branch. Additional Branch Cash withdrawals in
the month will be charged @ Rs.50/- per transaction.
International Debit Card available only on request at the branch @ Rs. 100/- p.a. (plus
applicable taxes) for each applicant.
First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged
at the rate of Rs 5/- per cheque leaf.
Free InstaQuery facility
Take advantage of BillPay, an instant solution to all your frequent utility bill payments.
Instruct for payment over the phone or through the Internet*.
Enjoy Free InstaAlerts via e-mails or SMS
Avail facilities like Safe Deposit Locker, Sweep-In and Super Saver on your account.
Free Email Statement facility .
Senior citizens account:

HDFC Bank appreciates your needs and endeavours, which is why, we present an account
especially dedicated to you, which like a dutiful child will help you fulfill your needs in the
best manner possible.
Features & Benefits
Given below are some of the exclusive privileges you can look forward with the Senior
Citizens Accounts
Shop with pride with your EasyShop International Debit Card offered free for life to the
first applicant. Shop (Point Of Sale limit) upto Rs.25,000/- per day.
Enjoy an enhanced cash withdrawal limit of Rs.25,000/- per day on the Debit Card for
withdrawals at any HDFC Bank ATM.
Note: If the first applicant is a woman and new to the bank, our special Woman's
Advantage Debit Card with ATM cash withdrawal limit Rs.20,000/- per day and
shopping (Point Of Sale) limit of Rs.30,000/- per day will be issued free by default.
Payable-at-Par (PAP) chequebooks are issued free. With this facility, outstation cheques
issued by you (for clearing) will be treated as local cheques, at any HDFC Bank location.
What's more, enjoy free PAP usage upto Rs.50,000/- per month. A nominal charge of
Re.1/- per 1000 will apply above Rs.50,000/- on the full amount.
Keep a close eye on your account with the monthly account statements offered free OR
Avail of free Passbook facility at your account branch.
Use the third party cash transaction facility at non-account branches, to have your near
and dear ones deposit / withdraw cash upto Rs.50,000/- per day on your behalf for free.
Above Rs 50,000 a charge of Rs 2.90/- per 1000 on the full amount would be applicable.
Use our PhoneBanking, MobileBanking and NetBanking facilities offered free to reach us
with ease.
Avail free SMS alerts to know the transactions in your account.
Free Email Statement facility and National Electronic Funds Transfer facility available.
Special offers and benefits:

Get preferential rates on FDs
Special offers on new Demat Accounts #
• Annual Maintenance Charge (AMC) waived off for the first year
• 50% AMC from second year onwards
• Dematerialisation of physical shares free for lifetime
# The offer is applicable only for the 1st Demat account linked to the Senior Citizens
Savings Account
Special offers on new Online Trading Accounts
• Account opening charges Rs.499/- only
• 5 trades free .Valid for the next 3 months from the date of account opening
Gold Credit Card free*
Travellers’ Cheques issued free
Insurance Benefits* :
Get Accidental Hospitalisation cover of Rs.50,000/- per annum. This is a reimbursement

cover for the first applicant.
You can also claim daily cash allowance* once a year (at Rs.500/- per day for a
maximum of 15 days per year) for each day of hospitalisation due to an accident.
All you need to do is use your HDFC Bank Debit Card at a Merchant Establishment for
purchase transactions !
Your claim will be processed only if you have used your HDFC Bank Debit Card for
purchase at a Merchant Establishment at least once in the previous 6 months from the
month of your accident.
Institutional saving account:

A specially designed account that offers twin benefits of a savings as well as a current
account. Your funds continue to earn you interest while you enjoy hassle-free banking & a
host of other features.
All this and more in a Zero Balance account!
Features & Benefits
Zero balance account

Payable at Par chequebook facility Free: You can now use your PAP chequebook at any
of HDFC Bank locations (through Clearing only) without any charge.
Avail of Free Outstation Cheque Collection at HDFC Bank locations across the country.
You can also avail of special rates for outstation cheque collection at non-HDFC Bank
locations.
Enjoy unlimited DDs on HDFC Bank locations Free.
Carry out cash transactions at any HDFC Bank branch. Third party cash transactions up
to Rs.50,000/ - per day Free.
Get monthly account statements Free.
Avail special discounts on Foreign exchange transactions.
Bank from home using our 24-hour NetBanking & PhoneBanking service.
Collect fees, donations online using our Payment Gateway facility.
Invest your surplus funds smartly! Get valuable investment advice from our monthly
newsletter absolutely Free.
Kids advantage account:

Children these days are way ahead of their times. Make sure your investments don't fall short.
Now through HDFC Bank's Kid's Advantage Account you can ensure your child's secured
future and fulfill all his dreams in time. The Kid's Advantage Account presents you a great
way to accumulate savings for your child and provide him the head-start required to succeed
in life. It's an account which grows with your child to meet his future monetary requirements.
Features & Benefits
For their Growing Needs

Free Education Insurance cover of Rs. 1,00,000/- in the event of death of the parent /
guardian through vehicular accident by road, rail or air to safeguard the future of your
child.
ATM/International Debit Card will be issued for children between 7-18 years of age in
the child's name with your permission. The amount your child is able to withdraw is Rs.
1,500/- at ATMs or spend Rs. 1,000/- at merchant locations.
Free Personalised cheque book for your child.
Monitor the transactions of your child's account with the free quarterly physical statement
of account or free monthly Email Statement of account.
Free NetBanking for you to monitor your child's account.
Free SMS/Email alerts informing you about the account transactions.
For their Secured Future

Standing Instruction to transfer any amount from your account to your Kid's Advantage
Account every month (Minimum value = Rs. 1,000/- & Minimum tenure = 1 year)
(Mandatory).
Once the balance in the Kid's Advantage Account reaches/exceeds Rs. 35,000/-, the
amount in excess of Rs. 25,000/- will automatically be transferred into a Fixed Deposit
for 1 year 1 day, in your child's name, by signing in for our sweep-out facility.
You can also opt for systematic investments in mutual funds from the Kid's Advantage
Account in your child's name.
Pensions saving banking account:

A Pension Saving Account is a Zero Balance Account that accumulates your pension over the
years. It comes with a free International Debit Card and facilities like Phone and Net
Banking. You can access this Account from any branch within the HDFC network and also
request for transfer to another bank.
Features & Benefits
The Pension Saving account is a Zero Balance Account.

Timely credit of receivables
Free International Debit Card.
Enjoy facilities such as NetBanking, PhoneBanking, BillPay, ATM facility, inter-city and
inter-branch banking.
Pension Accounts are transferable from one branch/bank to another.
The HDFC Bank advantage

Pension Accounts are opened immediately after advice, and deliverables reach in time-
within the 1st and 5th of the new month (in case of EPFO) and last day of the month (in
case of Central Govt. Civil Pensions).
Timely communication to the customer on receipt of the PPO.
No delays in commencement of pension disbursals (subject to all the stipulated
terms/conditions are fulfilled by the pensioner).
Dispatch of credit advice containing detailed calculations of the amount credited each
month within 10 days of the payment.
Timely issue of Form- 16A (by April 15th) for tax deducted at source in the immediately
previous financial year.
Timely intimation of revisions due to changes in rates of Pension or Dearness Allowance.
Immediate action in case family pension devolves to the spouse.
Family saving account:

The Family Savings Group links together upto four individual HDFC Bank accounts (same
family) under a single group. Take advantage of the group Average Quarterly Balance (AQB)
and operate your individual accounts without worrying about minimum balance.
Features & Benefits
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.
Upto 2 free DD's/ MC's on HDFC Bank locations per account per month (max. up to Rs.
25,000/- per instrument per day).
Free International Debit Card for all account holders till the account is part of the Family
group. (NRO Accounts will be issued only ATM cards)
Free BillPay & InstaAlerts facility for all account holders till the account is part of the
Family 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-in to
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 Email statements .
***Available in select cities only.
Avail 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 the
Family Savings Group.
Demat Account : 1st year Folio maintenance charges waived for all new demat accounts
opened.
HSL Trading a/c : Special Registration price of Rs. 799/- for all new HSL accounts
opened.
Forex : Charges applicable on purchase of traveller's cheques waived for Family group
customers.
Mudra Gold Bars : Special relationship discount.
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 all a/cs
grouped. Get an add-on card Free.
Silver/Value Plus Credit Card : Free for life-time.
Kisan club saving account:

Features & Benefits
Free Personalised Cheque Book.

Free PAP Cheque Book (issued only on request).
No Cheque Book Charges (issuance charges as per S&F brouchure apply).
Free International Debit Card for 1st Year.
Free Personal Accident Insurance cover of Rs.2.00 Lacs on Debit Card.
Inter Branch Banking.
Free PhoneBanking , MobileBanking and NetBanking
Free Monthly email statements .
Classic saving account:

The Classic Salary account is a Zero Balance Account which earns you interest on your
savings from salary at a competitive rate fixed by the bank from time to time. There is no fee
applicable for branch transactions and you receive banking statements once every six months.
Features & Benefits
Zero Balance Account

Free personalised cheque books
Free International Regular Debit Card (max cash withdrawal at ATMs- Rs 15,000/- and
Rs 25,000 at shopping avenues)
Free facilities like NetBanking, PhoneBanking and MobileBanking.
Free inter-city and inter-branch banking
Half yearly statements.
Free Monthly email statements (optional)
BillPay facility
Free Passbook facility available at home branch for account holders (individuals)
Payroll account:
The HDFC Bank payroll account comes with the following benefits and features.
Features & Benefits
Zero Balance Account

Nil Interest payout on account balance
Personal Accident Insurance cover of Rs. 2,00,000/-*
Free Payroll Debit Card - (max cash withdrawal at ATMs- Rs 15,000/- and Rs 25,000 at
shopping avenues)
Branch transactions at Rs. 60/- per transaction.
Free NetBanking, PhoneBanking, MobileBanking.
BillPay facility at Rs 25/- (plus taxes) per qtr. per Customer ID.
Free InstaAlert Facility.
Half yearly account statements.
Cheque book issuance @ charge of Rs.5 per leaf (only on request and this is not a
standard offering )
Regular salary account:

The HDFC Bank Regular Salary account is a Zero Balance account and comes with below
mentioned features and benefits.
Features & Benefits
No minimum balance required

Interest at the applicable savings account rate
Free International Debit card with ATM cash withdrawal limit of up to Rs. 15,000 and
Rs. 25,000 (non-cash) at shopping avenues.
Free issuance of Demand Drafts up to Rs. 25,000 per instrument, payable at branches
within the HDFC Banking network.
Free NetBanking, PhoneBanking, MobileBanking
Free Sweep-in facility
Free inter-city/branch banking.
Safe Deposit Lockers (subject to availability)
Quarterly statements
Free Payable at Par Chequebook
Preferential rates on loan products offered by the bank
Preferential rates on forex transactions
BillPay facility
Free InstaAlert facility
Premium salary account:

A power-packed account for successful salaried professionals, the Premium Salary account
comes with a free International Debit Card and add-on Debit card for life, with the option of
choosing between a Silver or Gold credit card at preferential rates.
Features & Benefits
Free International Debit Card and Add-on Debit card for life
Free Personal Insurance Accident cover up to Rs. 2,00,000/- on the Debit card*
Free Debit card withdrawals - max cash withdrawal at ATMs- Rs 25,000/- and Rs 50,000
(non-cash) at shopping avenues
Preferential rates for Gold and Silver credit cards
Free Demand Drafts up to Rs. 25,000 per instrument, payable at branches within the
HDFC Banking network
Free BillPay and InstaAlert facility
Free monthly account statements
Free ATM transactions on non-HDFC Bank Visa/Cirrus network ATM's
Fees & Charges for Premium Salary Account
Description of Charges Premium Salary Account

Minimum Balance (Average
NIL
Quarterly Balance)
Charges on non maintenance
NIL
thereof
PAP Cheque book Free by default
Account Statements - Free Monthly
Rs.100 at Branch,
Rs.50 per statement through PhoneBanking (Non-IVR) &
Issue of duplicate / adhoc
ATM,
statements
Rs.30 per statement through Netbanking, PhoneBanking
(IVR), & MobileBanking.
Hold Statement Rs. 400 per year
Passbook issuance* Free
Duplicate passbook issuance* Rs 100/-
Free upto Rs.25,000
DD request through Branch
Rs. 75 (Rs. 30 through Phonebanking
& Rs. 60 for Senior Citizens /
Above Rs.
Individuals in Rural Areas.
25,000 upto Rs.
**Only DD amount upto Rs 100,000
50,000
for Preferred & Rs 50,000 for other
customers accepted at Phonebanking
Above Rs.
Rs. 2.50 per 1000 or part thereof (Min
50,000 & upto
Rs. 150)
Rs. 1 Lakh
Managers Cheques/Demand
Above Rs. 1 Rs. 2 per 1000 or part thereof (Min Rs.
Drafts- Issued - On HDFC Bank
Lakh 250 & Max Rs. 5000)
Locations
DD request through Netbanking
Rs .30+(Corr. Bank charges if
Upto Rs. 1 Lakh
applicable)
Third party DD
Rs .30+(Corr. Bank charges if
upto Rs.
applicable)
1,00,000
(*Third Party Registration required.Customers registered
for Third Party Transfers have a maximum limit of 5
per cust id and hence can issue multiple DDs of 1 lacs
upto 5 lacs and send it to the beneficiary address)
Defence account:
Are you a defence personnel employed with the Indian Armed Forces or the Indian Navy?
Then this account is for you.
Rather than collecting your cheque/cash at the end of the month, you can instruct your salary
wing to start crediting your salary to your Defence Salary Account.
Features & Benefits
The Defence Salary Account is a Zero Balance account.

Free for life International Debit Card and one add-on Debit Card with no annual fees for
the first year.
Enjoy facilities like NetBanking, PhoneBanking, MobileBanking, BillPay, ATM facility,
inter-city and inter-branch banking.
Free Funds Transfer to any other HDFC Bank account in any city/branch and free
Demand Drafts up to Rs. 25,000/-.
Enjoy preferential rates on Loans Against Shares, New Car Loans and Used Car Loans,
Consumer Loans and Personal Loans.
Enjoy Free InstaAlert Facility
Free Monthly Accounts Statements - Free Monthly email statements (optional)
Plus current account:

In today's fast-paced world, your business regularly requires you to receive and send funds to
various cities in the country. HDFC Bank Plus Current Account gives you the power of inter-
city banking with a single account and access to more than 550 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 services have 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 HDFC 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 InstaAlert service and receive updates on your account as and when the
select transaction happens - all this without visiting the branch or ATM!
HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and
hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank
will arrange to render the services like Cash & Cheque Pickup and Cash Delivery,
through a reputed agency.
Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps
you check your balance & transaction details, find out the status of your cheque or stop
cheque payment.
Trade current account:

In today's changing business requirements, you need to transfer funds across cities, and time
is of the essence. 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 free account to account funds transfer between HDFC Bank accounts, to free inter-
city clearing of up to 50 lakhs per month, our priority services have become the benchmark
for banking efficiency. Trade Current Account requires 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 HDFC Bank
Branch.
Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank
Branch.
Free anywhere collection & payment within HDFC Bank branch network (except
Dahej), up to Rs.50 lacs per month.
Convenience to withdraw & deposit cash at all our branches*
200 "At Par" cheque leaves per free month .
Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking that helps
cheque payment.
Premium current account:

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, that
requires an average quarterly balance of only Rs. 25,000, offers Payable-At-Par cheque book
facility & FREE inter-city clearing 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, and through 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
Free anywhere collection & payment within HDFC Bank branch network (except Dahej),
up to Rs.25 lacs per month, incremental amount to be charged @ Rs.1.50 per Rs.1,000/-,
min Rs.25/-
Free NEFT Transactions.
Free RTGS collection. RTGS payment @ Rs.25/- per transaction.
Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal
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.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/-
and can be issued from any HDFC Bank Branch .
Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of
Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can
be issued from any HDFC Bank Branch .
100 "At Par" cheque leaves free per month
Enjoy facilities like 24-hour PhoneBanking, NetBanking and MobileBanking to access
your account.
Regular current account:

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 collections for faster collections in your account. Regular
Current Account requires you to maintain an average 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 can keep 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.25/- per transaction
Inter-city Account to accounts funds transfer between HDFC Bank accounts at a
nominal 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.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- .
Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of
Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- .
Payable at par cheque book at nominal price.
cheque payment.
RFC domestic account:

Have you accumulated foreign currency from travelling abroad frequently? Received gifts
from relatives in foreign currency? Or earned it by any other means as approved by the
Reserve Bank of India?
If so, open Resident Foreign Currency Domestic Account* and manage your foreign currency
efficiently. You can choose to set up your account either in US Dollar, Great Britain Pound or
Euro.
*Please note that this account has to be operated strictly under FEMA guidelines
How to Open a RFC Domestic Account

 Choose the currency in which you wish to operate.
 Open your account with an initial amount as per the following-US Dollar = 250 |
Great Britain Pound = 200 | Euro = 250 and maintain an Average Quarterly Balance
of the same amount.
For more details, contact your nearest HDFC Bank branch.

Features & Benefits
Maintains a record of your foreign exchange transactions through monthly statements.

Enjoy preferential rates when converting your foreign currency into Indian Rupees.
Protects you from losing money due to exchange rate fluctuations.
Flexible account:
Tired of static transaction limits during peak seasons?
HDFC Bank Flexi Current Account is the answer to your changing banking needs during
peak seasons.
With HDFC Bank Flexi Current Account your Cash Deposit and Anywhere Transaction
limits are a multiple of the balance you maintain in your Current Account.
So, during peak seasons, you get the benefit of higher transaction limits due to the higher
average balances maintained in your account.
What’s more, during lean seasons, you need not bother about maintaining huge balances to
enjoy high transaction limits, which you anyway may not need.
Flexi Current Account requires you to maintain a minimum Average Monthly Balance
(AMB) of just Rs. 75,000.
Features & Benefits
Enjoy dynamic free limits on Intercity Payments, Collections & Funds Transfer as well
as Cash Deposit at home location branches based on the AMB maintained*
For example, you maintain an AMB of Rs.2,00,000/- in a particular month. Your dynamic
free transaction limits for that month would be as per the following table:
Transaction Dynamic Free Limits*

Rs. 24,00,000 in that particular
Cash Deposit at Home Branch Location
month
Anywhere Payments, Collections & Funds Transfer Free up to Rs.1,00,00,000/- in that
(except Dahej) particular month
Pay your vendors on a real time basis using Real Time Gross Settlement (RTGS)
available across 23,000 Bank Branches*. What’s more, payments and collections through
RTGS are completely free!
Make and receive remittances to & from your vendors & customers across 20,000 + Bank
Branches of more than 50 Banks through Net Banking using National Electronic Fund
Transfer (NEFT), Absolutely Free!
Free 40 Demand Drafts & Free 40 Pay Orders issued from any HDFC Bank Branch*
Convenience to withdraw and deposit cash at all our branches*.
Competitive pricing on Demand Drafts drawn on Correspondent Banking Locations as
well as Outstation Cheque Collection at HDFC Bank Locations
InstaAlert service - receive updates on your account as and when the select transaction
happens – all this without visiting the Branch or ATM!
you check your balance and transaction details, find out the status of your cheque or stop
cheque payment.
Apex current account:

The top position is always the coveted position. With the Apex current account, take your
business to a new high. On maintaining an average quarterly balance of Rs. 10 lakhs, this
account makes sure you make the most of every business opportunities coming your way.
Unlimited, free, anywhere Banking experience at the APEX is reserved for you.
Features & Benefits
Maximum transactional benefits with faster mobilisation of funds

Average quarterly balance requirement of Rs. 10,00,000/-
Access to more than 1416 branches
Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds
transfers, NEFT, RTGS or Demand Draft / Pay Order
Faster collection of outstation cheques
Free Intercity Cheque Collection & Payments within HDFC Bank Network (excluding
Dahej).
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 Demand Drafts which can be issued from any HDFC Bank branch
Free Pay Orders which can be issued from any HDFC Bank branch
Convenience to withdraw and deposit cash at all our branches*
Free Cash Deposit upto Rs. 100 lacs per month across all home branches (subject to a
maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash
deposit at a non home branch)
Choice of local / Payable at Par Cheques. 500 leaves free per month
Register for InstaAlert service and receive updates on your account as and when the select
transaction happens - all this without visiting the branch or ATM!
cheque payment.
Max current account:

Presenting maximum benefits and minimum hassles for you with Max Current Account!
With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of
privileges that helps your business expand and grow. Features like maximum free transaction
limits including other beneficial features on this current account truly enhances your business
potential to the MAXimum.
Features & Benefits
Maximum transactional benefits with faster mobilisation of funds

Average quarterly balance requirement of Rs. 5,00,000/-
Access to more than 1412 branches
Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds
transfers, NEFT, RTGS or Demand Draft / Pay Order
Faster collection of outstation cheques
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 Demand Drafts which can be issued from any HDFC Bank branch
Free Pay Orders which can be issued from any HDFC Bank branch
Free anywhere collection & payment (clearing) upto Rs. 5 Crore per month within
HDFC Bank branch network (except Dahej)
Convenience to withdraw and deposit cash at all our branches*
Free cash deposit upto Rs. 50 Lakh per month across all home branches (subject to a
maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash
deposit at a non home branch)
Choice of local / Payable at Par cheques. 500 leaves free per month
Register for InstaAlert service and receive updates on your account as and when the select
transaction happens - all this without visiting the branch or ATM!
cheque payment.
Regular fixed account:

If you believe in long-term investments and wish to earn higher interests on your savings,
NOW is the time to invest your money in our Fixed Deposit. Get upto 7.00% on HDFC Bank
Fixed Deposit with an additional 0.50% for Senior Citizens. What's more NO PENALTY if
you withdraw part of the FD in times of need.
Flexibility, Security and High Returns all bundled into one offering.
Check out the rates and book an FD TODAY!! NetBanking Users can login and book their
Fixed Deposit online immediately.
Note: Wef 15th Sept 2009, for all the Fixed Deposits booked through sweep out facility will
be sent an email advice on the email id updated with the bank.Physical advices will be
discontinued.
Incase your email id is not updated with the bank, you are requested to visit the Nearest
branch and update the same.
Features & Benefits
Potential to earn compound interest by reinvesting the principal amount along with the
interest earned during the period.
No penalty for premature withdrawal.
Flexibility in altering period of deposit of renewal deposit, maturity and payment
instructions, principal amount and rollover mode before maturity of the rollover
deposit.
Higher rate of interest on Fixed Deposits for Senior Citizens.
Five years tax saving fixed deposit:

In 2006, it was announced for the first time that Bank fixed deposits booked by an
Individual/HUF for 5 years & upto Rs. 1,00,000/- will be allowed exemption under Sec 80C
of the Income Tax Act,1961 subject to necessary declarations taken from the Customer.
Features & Benefits
Minimum Amount: Rs.100/-

Multiples of Rs.100/-
Maximum Amount: Rs. 1 lac (in a FY)
Tenure - 5 years (lock in period).
Rate of Interest -6.00% p.a, Senior Citizen rate - 6.50%
Monthly or Quarterly interest pay-out option is available.
No Partial/Premature withdrawal allowed.
Sweep-in not allowed.
No OD or pledge allowed.
In the case of joint holder deposit, the deduction from income under section 80C of the
Act shall be available only to the first holder of the deposit.
Super saving facility:

Enjoy a high rate of interest along with the liquidity of a Savings Account by opting for a
SuperSaver Facility on your savings account. Avail of an overdraft facility of up to 75% of
the value of your Fixed Deposit.
Get the best of both worlds.
Features & Benefits
It's like two Accounts working in tandem to give you better returns.
Choose between a Savings Account or Current Account to link to your Fixed Deposit.
Avail an overdraft facility to supplement your household or business needs.
Pay back with interest only on the drawn amount, while the remaining Fixed Deposit
continues to earn you interest.
Flexibility in altering period of deposit, maturity and payment instructions, principal
amount and rollover mode before maturity of the rollover deposit.
Senior citizens enjoy a higher rate of interest on their Fixed Deposits.
Sweep in savings account:

Do you wish to avoid taking overdrafts, and still take advantage of your Fixed Deposits?
Then what you need is a Sweep-In Facility on your savings account.
Link your Fixed Deposit to your Savings or Current Account and use it to fall back on in case
of emergencies. A deficit in your Savings or Current Account is taken care of by using up an
exact value from your Fixed Deposit. Since deposits are broken down in units of Re 1/-, you
will lose interest only for the actual amount that has been withdrawn.
Features & Benefits
Choose between a Savings Account or Current Account to link to your Fixed Deposit.
Earn higher interest on the money till it is swept-in, while the remaining Fixed Deposit
continues to earn you interest.
Only an exact amount required to make up for the deficit in the Savings account is
withdrawn from your Fixed Deposit (units of Re. 1/-) thereby minimising interest loss.
Multiple deposits can be linked to the Savings account.
Flexibility in altering the period of deposit, maturity and payment instructions, principal
amount and rollover mode.
You can avail of both, a SuperSaver Facility as well as a Sweep-In Facility if you have
linked your deposits to a Savings Facility.
Senior citizens enjoy a higher rate of interest on their Fixed Deposits.
Avail an International Debit card and a Free cheque book on your Sweep-in Savings
account.
Recurring deposits:
Responsibilities don’t come in Installments.
Stay prepared for them with HDFC Bank Recurring Deposits.
A small investment is all it takes in an uncertain environment and continued volatility in the
markets to be prepared for the future - your child's needs or even that dream holiday.
Invest an amount every month in HDFC Bank Recurring deposits so as to meet your financial
needs.
Features & Benefits
An Investment as small as Rs.500 (and in multiples of Rs.100 thereafter) or as large as

Rs.1 lakh per month
A minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a
maximum tenure of 10 years.
For a much smaller investment per month, get interest rates equal to that of regular Fixed
Deposits.
TDS is not applicable on the Interest earned by Recurring Deposits as per current income
tax rules.
Demat account:
HDFC BANK is one of the leading Depository Participant (DP) in the country with over 8
Lac demat accounts.
HDFC Bank Demat services offers you a secure and convenient way to keep track of your
securities and investments, over a period of time, without the hassle of handling physical
documents that get mutilated or lost in transit.
HDFC BANK is Depository particpant both with -National Securities Depositories Limited
(NSDL) and Central Depository Services Limited (CDSL).
Features & Benefits
As opposed to the earlier form of dealing in physical certificates with delays in transaction,
holding and trading in Demat form has the following benefits :
Settlement of Securities traded on the exchanges as well as off market transactions.
Shorter settlements thereby enhancing liquidity.
Pledging of Securities.
Electronic credit in public issue.
Auto Credit of Rights / Bonus / Public Issues / Dividend credit through ECS.
Auto Credit of Public Issue refunds to the bank account.
No stamp duty on transfer of securities held in demat form.
No concept of Market Lots.
Change of address, Signature, Dividend Mandate, registration of power of attorney,
transmission etc. can be effected across companies held in demat form by a single
instruction to the Depository Participant (DP).
Holding / Transaction details through Internet / email.
Incase you need any more information or have any queries , feedback & complaints , you
may please mail us at dphelp@hdfcbank.com
Secured & easy transaction processing
HDFC Bank Ltd provides convenient facility called 'SPEED-e' (Internet based transaction)
whereby account holder can submit delivery instructions electronically through SPEED-e
website (https://speed-e.nsdl.com). SPEED-e offers secured means of transaction processing
eliminating preparation of instruction slips and submission of the same across the counter to
the depository participant. The 'IDEAS' facility helps in viewing the current transactions and
balances (holdings) of Demat account on Internet on real time basis.
Incase you need any more information or have any queries , feedback & complaints , you
may please mail us at dphelp@hdfcbank.com.
Safe deposit lockers:

Looking for a safe storage place for your valuables?
A Safe Deposit Locker with HDFC Bank is the solution to your concern. Located at select
branches in cities all over the country, our lockers ensure the safe keeping of your valuables.
Advantages / Key Benefits
Wide Availability.
Lockers available in various sizes. i.e. Small, Medium, Large and Extra Large with
varying rents.
Lockers are rented out for a minimum period of one year. Rent is payable in advance.
No deposits are required to avail a locker. Just open an account and get the locker facility
OR
The rent may be conveniently paid from your deposit account with us.
Direct debits for locker rentals from your account rid you of the hassles in writing out
cheques.
There is a nominal annual charge, which depends on the size of the locker and the centre
in which the branch is located.
Eligibility
An individual (not minor), firms, limited company, associations, clubs, trusts, societies, etc
may hire a locker.
Nomination for Safe Deposit Locker
The Lockers and their contents can be nominated to people near and dear to you.
Nomination facility is available to individual hirer of Safe Deposit Locker.
In the case of a sole hirer of a safe deposit locker, nomination can be made in favour of
only one individual.
Where the safe deposit locker is hired in the name of a minor, the nomination shall be
made by a person lawfully entitled to act on behalf of the minor.
Terms & Conditions
For obtaining a Locker at HDFC Bank you must be an account holder with our Bank.
Lockers can be allotted individually as well as jointly.
The Locker holder is permitted to add or delete names from the list of persons who can
operate the Locker and can have access to it.
Loss of Key is to be immediately informed to the concerned Branch.
For Schedule of Rentals, please contact the branch nearest to you.

Banking Should Be Effortless. With HDFC Bank, The Efforts Are

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Banking Should Be Effortless. With HDFC Bank, The Efforts Are

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Banking should be effortless. With HDFC Bank, the efforts are rewarding.

Whether you're employed in a company and need a simple Savings account or

Plus Trade Premium

Choose the product most suitable for you:

Regular Fixed Deposit SuperSaver Sweep-In

Features & Benefits

Saving plus account

Features & Benefits

Saving max account

Insurance Benefits (applicable from 1st Aug 09)

 This is a re-imbursement cover, extended only to the first holder of the

Features & Benefits

Senior citizens account:

Features & Benefits

Special offers and benefits:

Get Accidental Hospitalisation cover of Rs.50,000/- per annum. This is a reimbursement

Institutional saving account:

All this and more in a Zero Balance account!

Features & Benefits

Zero balance account

Kids advantage account:

Features & Benefits

For their Growing Needs

For their Secured Future

Pensions saving banking account:

Features & Benefits

The Pension Saving account is a Zero Balance Account.

The HDFC Bank advantage

Family saving account:

Avail Preferential pricing on:

Lockers : 25% Discount on the annual rent.

Kisan club saving account:

Free Personalised Cheque Book.

Classic saving account:

Features & Benefits

Zero Balance Account

Features & Benefits

Zero Balance Account

Regular salary account:

Features & Benefits

No minimum balance required

Premium salary account:

Features & Benefits

Fees & Charges for Premium Salary Account

Description of Charges Premium Salary Account

Features & Benefits

The Defence Salary Account is a Zero Balance account.

Plus current account:

Features & Benefits

Trade current account:

Features & Benefits

Free Account to account funds transfer between HDFC Bank accounts.

Premium current account:

Features & Benefits

Regular current account:

Features & Benefits

Convenient inter-city banking :

RFC domestic account:

How to Open a RFC Domestic Account

For more details, contact your nearest HDFC Bank branch.

Maintains a record of your foreign exchange transactions through monthly statements.

Features & Benefits

Transaction Dynamic Free Limits*