REGULAR SAVINGS ACCOUNT-

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 4,232 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.

SAVINGS 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 cash withdrawals on any other Bank's ATM*.
• 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 Rs. 50,000 per month. Above Rs. 50,000, charge of Rs.2.90/- per Rs.
1,000/- on the full amount.
• 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 Passbook facility available at home branch for account holders
(individuals).
• Free Email Statement facility

SAVINGS 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 Passbook facility available at home branch for account holders
(individuals).
• 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.

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

SavingsMax account.
o 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.
 o 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.

SENIOR CITIZEN 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-

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.
• Free cash withdrawals on any other Bank's ATM*
• 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
• 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.
“NO FRILLS’’ SAVINGS 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

FEATURES-

• 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 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
• 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 .

INSTITUTIONAL SAVINGS 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-

• 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.
• 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.
KID’S 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. 2,500/- at ATMs or spend Rs. 2,500/- at merchant
locations.
• Free cash withdrawals on any other Bank's ATM*
• 1 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.

PENSION 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
Bank network and also request for transfer to another bank

FERATURES & 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 as per
the process laid down by the pension authorities
IMMEDIATE BANK ADVANTAGES-

• 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).
• Timely issue of Form- 16A (by April 15th) for tax deducted at source in the
immediately previous financial year.
• Timely application of revisions due to changes in rates of Pension or
Dearness Allowance.
• Immediate action in case family pension devolves to the spouse.
Family Savings Group-

Bank together, Get more together! Get your entire family to bank with us. Group
minimum 2 and maximum 4 accounts of members of your family under the Family
Savings Group & enjoy the many advantages of banking together.

Get freedom from the requirement of maintaining Average Quarterly Balance (AQB)
in each account individually.
All you need to do is ensure all accounts together maintain the required balance, this
also means that any one of your accounts can maintain the required balance without
worrying about the balances in the remaining accounts in the group!

What's more, enjoy multiple other benefits listed below:

• Free EasyShop International Debit Card for all account holders for lifetime
of the group
• Gold Debit Card at Rs.250 for all applicants for lifetime of the group
• Free Bill payment and SMS alerts
• Free cash withdrawal transactions on any bank ATMs
• Savings account to savings account sweep-in to a nominated account*
(sweep-in from NRO ac not allowed)
• Free DD/MCs on HDFC Bank locations upto Rs.50,000 per account per
month
• PAP chequebook Free of issuance charge
• Free monthly account statements

Special Bundled Offers:

• Lockers : 25% discount on annual locker rent for the first year (1 locker
per group, for new lockers only)
• Online Trading Accounts:
• Account opening charges Rs.799
• One add-on Trading Account for Spouse or Parent Free
•  One lac of Trade volume Free for both primary & add-on account
holder (valid for the next 3 months from the date of account opening)
• Mudra Gold Bars :
• 3% discount on 2.5/5 gms
 •  4.5% discount on 8/10/20/50 gms
• Credit Cards: Lifetime Free Gold / Titanium / Platinum cards as per
eligibility

Kisan NoFrills Savings Account-

Features & Benefits

• Access a wide network of branches and over a thousand ATMs across the
country to meet all your banking needs
• Initial Pay-In & AQB requirement = Nil
• Free Cash Deposit at ATM / Branch
• One Branch Cash Withdrawal Transaction free per month
• Free Balance Enquiry / Cheque Deposit / Mini Statement transactions on
HDFC Bank ATMs
• 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
• Enjoy Free IVR based PhoneBanking. (Agent assisted calls will be
charged*)
• Free NetBanking , MobileBanking and PhoneBanking
• Free Passbook facility available at home branch for account holders
(individuals).
• Free Monthly email statements .
• First Cheque book consisting of 25 leaves free and subsequent cheque
books to be charged at the rate of Rs 5/- per cheque leaf.
• Free cash withdrawal transactions at any Bank ATMS through Debit Card.
• International Debit Card available only on request at the branch @ Rs.
100/- p.a. (plus applicable taxes) for each applicant.

Eligibility & Account Operation

Individuals fulfilling the following set of criteria are eligible to open a Kisan No
Frills Savings Account:
 • Resident Individuals (sole or joint account) who may be an
Agriculturalists / Farmers having own Agricultural Land or having income
from Agricultural Resources.
• Customers can open Kisan No frills SA if he does not have a bank account
and has an annual income of less than or equal to Rs 50,000 OR he does not
have a bank account and is a beneficiary under a government welfare
scheme.

Account Operation

Initial Pay-In & AQB requirement = Nil

Charges on non-maintenance of AQB = Nil
Extra cheque books @ Rs. 5 per leave.
Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per
transaction.
SB a/c opening form.
Valid ID/ Address Proof.
PAN Card / Form 61.Form 60 (if required).
1 Passport Size photograph.
KYC & AML Form.
Customer Self declaration

Fees & Charges for Kisan No Frills Savings Account

Description of
Kisan No Frills Savings Account
Charges
Minimum Balance
(Average Quarterly Nil
Balance)
Charges on non
Nil
maintenance thereof
Initial Pay-in Nil
One 25 Leaves Cheque Book free
Cheque Book
Extra Cheque Book @ Rs. 5 per leave.
Account Statements
Quarterly statements sent by post.
– Free
Passbook issuance* Free
Duplicate passbook
Rs 100/-
issuance*
Cheque Collection -
Local Clearing Free
Zone
Balance Enquiry /
Cheque Deposit /
Mini Statement Free
transactions on
HDFC Bank ATMs
Free Cash Deposit at ATM / Branch.
One free cash withdrawal transaction
Branch transactions
at Branch & Two free ATM
withdrawal transactions per month.
Phonebanking Free
Mobilebanking Free
Netbanking Free
ATM Card Free
ATM Card -
Replacement Rs. 100 (plus taxes).
charges

Kisan Club Savings 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 Passbook facility available at home branch for account holders
(individuals).
• Free Monthly email statements .
Eligibility & Account Operation

Resident Individuals (sole or joint account) who are involved in the process of
farming and own Agricultural Land.

Account Operation

Option 1: Initial Pay-In & AQB requirement is Rs. 10,000/-. In case of Semi
Urban Branches AQB is Rs. 5000/-. Charges on non-maintenance of AQB -
Rs.750/- per quarter.
Option 2: Min. AQB Nil (A/c to be opened with Rs.10,000). Fixed Deposit
maintenance Rs. 50,000/-. Charges on non-maintenance (Rs. 50,000 in FD or
Rs.10,000 AQB) - Rs.750/- per quarter.
Valid ID/ Address Proof.
Copy of land revenue record of the farmer (Jamabandi / Khasra Khatoni No.) *
Cheque / Cash for Initial pay-in.
Fee & Charges-

Description of
Kisan Club Savings Account
Charges
Minimum Balance Rs.10,000 (Urban
(Average Quarterly Branches)
Option 1
Balance) Rs.5000 (Semi Urban
Applicable for new Branches).
accounts opened NIL with a Fixed Deposit
Option 2
effective 1st of Rs. 50,000
March 09
Charges on non Non-maintenance of AQB
maintenance thereof Option 1 would be attract charges of
Rs.750 per quarter.
 Non-maintenance of Rs
50,000 in Fixed Deposit
Option 2
would attract charges of
Rs. 750 per quarter.

Rs.10,000 (Urban
Branches)
Option 1
Rs.5000 (Semi Urban
Initial Pay-in
Branches).
Rs.10,000 with a Fixed
Option 2
Deposit of Rs.50,000.
Free - 25 cheque leaves per calendar
quarter
Cheque Book Additional chequebook of 25 leaves
will be charged @ Rs 50/- per
chequebook
Account Statements
Quarterly statements sent by post.
- Free
Passbook issuance* Free
Duplicate passbook
Rs 100/-
issuance*
Cheque Collection -
Local Clearing Free
Zone
Balance Enquiry /
Cheque Deposit /
Mini Statement Free
transactions on
HDFC Bank ATMs
Phonebanking Free
Mobilebanking Free
Netbanking Free
International Debit Free for 1st Year. Annual Charges Rs.
Card 100 applicable from 2nd year onwards.
Debit Card -
Replacement Rs. 100 (plus taxes
charges