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HDFC Regular Savings Account

Category HDFC Regular Savings Account
Minimum Balance Requirement Rs. 10,000 (metro/urban branches)
Rs. 5000 (semi-urban branches)
Rs.2,500 (Rural Branches)
Interest Rate 4% per annum
Debit Card Type International Debit Card
Eligibility Criteria
  • Sole or joint account for Residents of India
  • Hindu undivided families (HUFs) can apply.
  • Foreign nationals who reside in India

Services Provided with HDFC Regular Savings Account

Sweep-in Facility Yes
Net Banking Yes
BillPay Yes
Mobile Banking Yes
Safe Deposit Lockers Yes
InstaPay Yes
InstaAlert Yes

Features of HDFC Regular Savings Account

Accessibility Over 11000 ATMs and a wide network of branches across India
Sweep-in Facility Fixed Deposit will be automatically dissolved to meet shortage of funds in Savings Account
BillPay Pay frequent utility bill payments over the phone or online.
Demat Account Annual Maintenance Charge (AMC) waived off for the 1st year
Cash withdrawals Free cash withdrawals at ATMs of other Banks

Fees and Charges Applicable on HDFC Regular Savings Account

Account closure Within 14 days of account opening - No charges levied
From 15 days to 12 months - Rs 500/- ( For Senior citizens - Rs 300/-)
After 12 months from account opening - No charges levied
Passbook issuance Free of charge
Issue of duplicate statements Branch - Rs 100/-
Phone Banking ( Non IVR) – Rs.75/-
Net Banking, Phone Banking, Mobile Banking - IVR & ATM - Rs 50/-
Additional chequebook Rs 75/-
Interest certificate Rs. 50
Standing instructions Rs. 25 + remittance charge. (per transaction)
TDS Certificate Free
Activation of dormant account Free
Debit Card - Annual Fee Rs.150 per year
Replacement charges Replacement of a damaged card – free;
Replacement of a lost card - Rs. 200
Add-on debit card Rs.150 annually
Standing Instruction rejects Rs. 200

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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