FEATURES
ELIGIBILITY
FEES & CHARGES
Enclosed below are HDFC Bank Saksham Current Account fees and charges
| Features | Saksham Current Account | ||
| Average Half Yearly Balance (HAB) | ₹ 10,000/- | ||
| Non-Maintenance Charges (per half year) | No charge for 2 calendar half years (including the account opening half year) ₹ 1,500/- (3rd half-year onwards)* | ||
| CASH TRANSACTIONS | |||
| Cash Deposit Limit @ Home Location - Monthly Limit | Free upto ₹ 50 lacs per month or 50 transactions (whichever is breached first) Charges @ ₹ 3/-per ₹ 1,000/- minimum ₹ 50/- per txn beyond free limits | ||
| Cash Deposit Limit @ Non-Home Location - Monthly Limit | No free limit Charges @ ₹ 3.5/- per ₹ 1,000/-, minimum ₹ 50/- per txn | ||
| Operational Limit for Cash Deposit @Non-Home Branch (per day) | ₹ 5,00,000/- | ||
| Cash Withdrawal Limit @ Home Branch | Free | ||
| Cash Withdrawal Limit @ Non Home Branch (Daily Limit) | ₹ 1,00,000/- per day Charges @ ₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- per txn beyond free limits | ||
| NON - CASH TRANSACTIONS | |||
| Local / Intercity Cheque Collection/Payments & Fund Transfer | Free | ||
| Total Transactions (count of Cash Deposit, Cash Withdrawal, Cheque clearing and Fund Transfer txns) | Free upto 300 txns Charges @ ₹ 10 per transaction beyond free limits | ||
| Cheque Leaves - Monthly Free Limit | Free upto 500 cheque leaves Charges @ ₹ 2/- per leaf beyond free limits | ||
| Speed Clearing (per instrument charges) | Free | ||
| Outstation Cheque Collection @ Bank Location (per instrument charges) | Free | ||
| Outstation Cheque Collection @ Correspondent Bank Location (per instrument charges) | Upto ₹ 25,000 - ₹ 50/- ₹ 25,001 to ₹ 1,00,000- ₹ 100/- Above ₹ 1,00,000 - ₹ 150/- | ||
| Outstation cheque collection @ Clean Location (per instrument charges) | Upto ₹ 25,000 - ₹ 50/- ₹ 25,001 to ₹ 1,00,000- ₹ 100/- Above ₹ 1,00,000 - ₹ 150/- | ||
| Demand Drafts (DD)/ Pay Orders (PO) @ Bank Location | Unlimited Free | ||
| Demand Drafts (DD) @ Correspondent Bank location | Charges @ ₹ 2/- per ₹ 1000/- ; Minimum ₹ 50/- | ||
| ELECTRONIC TRANSACTIONS | |||
| NEFT payments | Upto ₹ 1 lac – ₹ 2/- ; Above 1 lac – ₹ 10/- (Free through Netbanking) | ||
| RTGS payments | Above ₹ 2 lac – ₹ 15/- (Free through Netbanking) | ||
| IMPS Payments | Free | ||
| NEFT / RTGS / IMPS Collections | Free | ||
| DEBIT CARD (only for Individuals and Sole proprietorships) | |||
| Debit Card | EasyShop Business# | ATM Card | |
| Annual Fee per card | Free | Free | |
| Daily ATM limit | Rs. 1,00,000 | Rs. 10,000 | |
| Daily Merchant Establishment Point of Sale limit | Rs. 5,00,000 | NA | |
| # Also available for partnership firms & limited company current accounts. In case, the MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) have to sign the form jointly. | |||
| ATM Usage | |||
| ATM Txns (@ HDFC Bank ATM) | Unlimited Free | ||
| ATM Txns (@ Non- HDFC Bank ATM) | Maximum of 5 Txns Free in a month with a cap of Maximum 3 free txns in Top 6 cities @ Non-HDFC Bank ATM (Txns done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities) | ||
| ACCOUNT CLOSURE CHARGES | |||
| Closure: Up to 14 days | No Charge | ||
| Closure: 15 days to 6 months | ₹ 500/- | ||
| Closure: 6 months to 12 months | ₹ 250/- | ||
| Closure: Beyond 12 months | No Charge | ||
| ACH Charges | |||
| 1 to 3 transactions in a month | ₹ 350/- per txn | ||
| Fourth instance and beyond | ₹ 750/- per txn | ||
| Note: Cash deposit limits will lapse if HAB maintained is less than 75% of required product HAB * for accounts maintaining less than ₹ 10,000/- quarterly balance as of previous quarter will be charged ₹ 25/- each for next 3 monthly statements | |||
