BENEFITS

FEES

Account Opening Amount & Average Quarterly Balance

Rs.25000/-

Mode of Calculation of average quarterly balance

Sum of End of Day balances for a quarter/No of days in the quarter

ATM Limit (Cash withdrawal)

Rs. 40,000 per day

POS Limit (Merchant transaction)

Rs. 50,000 per day

Debit Card - Annual Fee

Free

Replacement of Card

Rs. 150

Damaged Card

Free

Electronic Funds Transfer -Inward

Free

NEFT -outward

Free

RTGS-Inward

Free

RTGS-Outward

Free

Visa Money Transfer

Rs. 25 per transaction

Personalised Payable At Par Cheque Book

Free

Issue Of loose cheque leaves

Rs. 5/- per leaf.

Stop Payments

Free

Mobile Banking

Free

Internet Banking

Free

Phone Banking

Free

Utility Bill Payment

Free

Usage at DCB ATM

Free

Usage at VISA ATMs

Cash Withdrawal and Balance Enquiry (Domestic)

Free

Balance Enquiry (International)

Rs. 25/- per transaction

Cash Withdrawal (International)

Rs. 125/- per transaction

Any Branch Banking (ABB)

Cash Withdrawal / Deposit at Non Base Branch

ABB Cash withdrawals Permitted upto Rs.1,00,000 per day only (Intercity as well as Intra City Branches)- Inclusive of DD,PO & ABB limits of Rs.75 Lacs p.m, DD charges apply for ABB Cash Deposits accepted beyond Rs.1 Lac per day.

ABB Funds Transfer

Intercity Transfers- Free upto Rs.75 Lacs per month (inclusive of DD,PO & ABB Limits) Re.1 per Thousand, Min.Rs.50, Maximum Rs.3000 for Incremental over Rs 75 lacs p.m Intracity Transfers - Free

ABB Clearing

Intracity Clearing : Free Intercity Clearing :Free up to Rs.75 lacs per month (inclusive of DD,PO & ABB limits) DD Charges will be applicable thereafter.

Demand Drafts

DCB & HDFC Locations :

Non Cash Transactions

Free upto Rs.75.00 lacs per month- Inclusive of ABB,PO & DD limits. Above Rs 75 lacs–Rs.2/- per 1000 (Min.50, Max 5000)

Cash Transactions

Rs.300

Other Locations:

Non Cash Transactions

Correspondent Bank Chgs + 0.10%
Min Rs. 50

Cash Transactions

Correspondent Bank Chgs
+ Rs. 300

Demand Drafts / Payorder cancellation / Revalidation & Duplicate issuance

Local

Free

Duplicate

Rs. 50/- per instrument

Local DD (Payorders)

Non Cash Transactions

Free upto Rs.75.00 lacs per month (Inclusive of ABB,PO& DD Limits) Above Rs 75.00 lacs– Re. 1 per 1000 , Min.Rs.50 , Max Rs.3000

Cash Transactions

Rs. 300

Outstation Cheque Collection:

DCB & HDFC Locations
Other Locations

Rs. 25 per instrument(inclusive of Out of Pocket Expenses)

Balance Confirmation Certificate & Interest Certificate

Current Year

Free

Previous Year upto last 2 years

Free

Beyond last 2 years

Free

Duplicate

Free

Statement Of Account

Email Monthly

Free

Monthly

Free

Duplicate Statement

Free

Confidential Report

Free

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

Setup

Free

Execution

Rs. 25 per txn + courier/other out of pocket expenses*

Cheque Issued & Returned
(financial reasons)

Rs. 300 per instrument

Cheque Deposited & Returned unpaid

Local

Rs. 100/- per instrument

Outstation

Rs. 100/- per instrument

Charges for Chq appearing in validation report for Fund reasons

Rs. 25 per instrument (except for FD proceeds and Clearing Regularisation)

Other Charges

Cash Deposit in Denominations
lesser than Rs. 50/-

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

Charges of Old Record

0-1 year = Free.
1-3 year = Rs. 150 per record.
3 years & above = Rs. 250

Scheme Transfer Fees

Scheme changes to Lower AQB Scheme Code can be made only during first week of financial quarter through a written request. Rs.200/- charges applicable for changing from higher AQB to lower AQB. No charge would be applicable for changing from lower AQB

Signature Verification

Free

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

Free

Account Closure

Rs. 250 if closed within a year,
else Rs. 100

PAP Utilisation

Unlimited

ECS Returns

Rs. 300/- per instruction

Penalty for non-maintenance of AQB

Penal Charges

AQB<Rs.25000 but >=Rs.10000- Rs.500 per quarter AQB <Rs.10000- Rs.1000 per quarter.

Penal Charges for Cheque book

Rs.5/- per leaf of cheque book taken in which AQB is not maintained subject to a maximum of Rs.300 per quarter

Penal Charges for Cash Transactions

First 3 Cash transactions at branch in a quarter-Free, Rs.50 per transaction thereaftersubject to a maximum of Rs.100 per quarter

Penal Charges for DCB ATM Transactions

First 6 DCB ATM transactions in a quarter-Free, Rs.25 per transaction thereaftersubject to a maximum of Rs.100 per quarter

Penal Charges for Transactions at HDFC/NFS/Cashnet ATM network

Rs30/- per transaction for cash withdrawal and Rs15/- per transaction for balance enquiry

Penal Charges for Cash Deposit

Charge of Rs.5 per 1000 for cash deposits exceeding Rs.1 Lac Per month (At Base Branch + Non Base Branch)subject to a maximum of Rs.300 per quarter