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HDFC Regular Savings Account

Savings Account
  • Instant money transfer
  • 24x7 ATM withdrawals
  • Attractive rate of interest
CategoryHDFC Regular Savings Account
Minimum Balance RequirementRs. 10,000 (metro/urban branches)
Rs. 5000 (semi-urban branches)
Rs.2,500 (Rural Branches)
Interest Rate4% per annum
Debit Card TypeInternational 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 FacilityYes
Net BankingYes
Mobile BankingYes
Safe Deposit LockersYes

Features of HDFC Regular Savings Account

Accessibility Over 11000 ATMs and a wide network of branches across India
Sweep-in FacilityFixed 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 AccountAnnual Maintenance Charge (AMC) waived off for the 1st year
Cash withdrawalsFree cash withdrawals at ATMs of other Banks

Fees and Charges Applicable on HDFC Regular Savings Account

Account closureWithin 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 issuanceFree of charge
Issue of duplicate statementsBranch - Rs 100/-
Phone Banking ( Non IVR) – Rs.75/-
Net Banking, Phone Banking, Mobile Banking - IVR & ATM - Rs 50/-
Additional chequebookRs 75/-
Interest certificateRs. 50
Standing instructionsRs. 25 + remittance charge. (per transaction)
TDS CertificateFree
Activation of dormant accountFree
Debit Card - Annual Fee Rs.150 per year
Replacement chargesReplacement of a damaged card – free;
Replacement of a lost card - Rs. 200
Add-on debit cardRs.150 annually
Standing Instruction rejectsRs. 200

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

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