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  • HDFC Senior Citizens Account

    HDFC Bank Savings Account

    HDFC Senior Citizens Account offers exclusive services and banking facilities to senior citizens in India, and offer them various privileges and enhanced savings.

    Highlights of HDFC Senior Citizens Account

    BankHDFC Bank
    CategoryHDFC Senior Citizens Account
    Minimum Balance RequirementRs. 5,000 (urban/semi-urban)
    Interest Rate4% per annum
    Debit CardEasyShop International Debit Card
    Eligibility Criteria
    • Residents of India who fall within the age group of 60 years and above, can open a Senior Citizen’s Account.
    • For a joint account, a senior citizen will have to be the primary/first applicant.

    Services Provided with HDFC Senior Citizens Account

    BillPayYes
    InstaAlertYes
    Net BankingYes
    Standing InstructionsYes
    Mobile BankingYes

    Features of HDFC Senior Citizens Account

    Withdrawal LimitRs.25,000/- (daily)
    Shopping LimitRs.1.25 Lakhs (daily)
    Payable-at-Par (PAP) chequebooksIssued free of charge
    PassbookFree
    AlertsSMS and Email transaction alert available.
    Online Trading AccountSpecial concessions offered
    Demat Account
    • Annual maintenance charge (AMC) is waived the first year
    • Avail a discount of Rs.250/- on AMC from the second year onwards
    • Enjoy free dematerialisation of physical shares for lifetime. This offer is applicable only on the first Demat account that has been linked to the customer’s Senior Citizen’s account.

    Benefits of HDFC Senior Citizens Account

    Accidental hospitalization coverRs. 50,000 per annum
    Cash Allowance Claim a cash allowance of Rs.500 per day for upto 15 days once in a year, for each day of hospitalisation due to an accident.
    Online Trading AccountsPreferential account opening charge of only Rs.599
    Travellers’ chequesFree
    Fixed Deposit Avail preferential rates on FDs

    Fees and Charges Applicable on HDFC Senior Citizens Account

    Minimum balanceRs. 5,000
    Charges on non-maintenance of minimum balanceAMB Slab of between 2,500 to Rs. 5,000 , Charges levied for non-maintenance = Rs. 150/-
    AMB Slab from less than Rs.2,500/-, charge for non-maintenance is Rs. 300.
    Additional chequebookRs 75/-
    Issue of duplicate/adhoc statementsBranch - Rs 50/- for each statement
    Non IVR Phone Banking - Rs.50/- for each statement
    Net Banking , Mobile Banking, Phone Banking - IVR & ATM - Rs 30/- for each statement
    Cheque return chargesDue to insufficient funds - charge on first cheque returned is - Rs 350/- and from then on charge will be Rs 750/- per instance.
    Charge levied on funds transfer cheque return - Rs. 350/-
    Charge levied on cheque return due to technical reasons such as date not mentioned, post dated, sign mismatch, etc. - Rs. 50/-.
    Cheques deposited and returned unpaidRs 80/- per instance
    Hold StatementRs.400 charged annually
    Manager’s cheque/demand drafts - CancellationRs.40
    TDS CertificateFree
    ATM card - ReplacementRs.200
    ATM / Debit Card Card - Transaction ChargeUnlimited free transactions on HDFC as well as non HDFC Bank ATMs
    TIN regenerationRs 50/-
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