Catering specifically to defence personnel in the country, HDFC Bank has rolled out the Defence Salary Account. The HDFC Bank Defence Salary Account is a zero balance savings account that comes with the benefit of a free Personal Accidental Death cover upto Rs.5 lakh and an Air Accidental Cover upto Rs.25 Lakh.
Customers can also choose to open a Salary Family account which comes with the zero balance facility as well. On opening the account, customers are granted a free Titanium debit card.
Learn more about Open HDFC Savings Account, HDFC Zero Balance Account, HDFC Netbanking
For customers to be eligible for the Free Personal Accidental Death Cover and the Free Air Accidental Death Cover that comes with the HDFC Bank Defence Salary Account, customers need to meet certain criteria.
Along with the account opening form, the customer is required to submit any of the below listed Government approved KYC documents as identity and address proof.
Listed below are the fees and charges for the HDFC Bank Defence Salary Account:
Particulars | Charges |
Visa Money Transfer | Rs.5 (plus GST as applicable) per transaction |
Unarranged overdraft | Rs.100 per transaction + 18% Interest p.a |
TIN Regeneration (requests received at the branch for physical dispatch) | Rs.50 per instance |
Third party Cash transaction (Cumulative of Deposit and Withdrawal) | Up to a limit of Rs.25,000 per day - Rs.150/- (plus GST as applicable) Above Rs.25,000/- not allowed |
TDS Certificate | Free |
Stop Payment Charges | Particular cheque - Rs.100 Range of cheques - Rs.200 Free through NetBanking |
Standing Instructions | Setting up charges - Free Rs.25 per transaction as well as remittance charge |
Signature Attestation | Free |
RTGS - Outward | Above Rs.2 lakhs to Rs.5 Lakhs - Rs. 25 (plus GST as applicable) per transaction Above Rs.5 Lakhs - Rs.50 (plus GST as applicable) per transaction |
RTGS - Inward | Free |
PIN regeneration charge | Rs.50 (plus GST as applicable) |
Photo Attestation | Rs.100 per instance NIL (For Senior Citizens) |
Phone banking | Free |
Passbook issuance | Free |
PAP Cheque book usage charges | Nil |
PAP Cheque book | Free first 25 cheque leaves per half year (Financial year) Additional chequebook of 25 leaves will be charged at Rs.75 per chequebook |
Old records/copy of paid cheques | Up to 1 year - Rs.50 per record Above 1 year - Rs.100 per record |
Number of Cash transactions (Both of Deposit and Withdrawal) | 4 free cash transactions per month 5th transaction onwards - Rs.150 per transaction (plus GST as applicable) will be charged |
Netbanking | Free |
NEFT Charges- outward | Up to Rs.10,000 - Rs.2.5 (Plus GST as applicable) per transaction Amounts from Rs.10,001 to Rs.1 lakh - Rs.5 (Plus GST as applicable) per transaction Amounts above Rs.1 lakh up to Rs.2 lakh - Rs.15 (Plus GST as applicable) per transaction Amounts above Rs.2 lakh - Rs.25 (Plus GST as applicable) per transaction |
NEFT Charges for Indo Nepal transactions | Customers having NSBL*Account - Rs.20 Customers having non-NSBL* Account: Upto Rs.5,000 - Rs.70 Above Rs.5,000 - Rs.95 * Nepal State Bank Ltd |
NEFT Charges - Inward | Free |
Mobilebanking | Free |
Minimum Balance (Average Monthly Balance) | Zero |
Managers Cheques / Demand Drafts at HDFC Bank branches | Free upto Rs.25,000 Above Rs.25,000 - Rs.5 per Rs.1,000 - subject to a min. of Rs.75 and max. Rs. 10,000) Via Netbanking: Upto Rs.10 Lakh - Rs.50+ Bank charges Third party DD upto Rs.1 crore - Rs.50+ Bank charges |
Local Cheque deposited for outstation accounts | Free |
IPIN Regeneration (requests received at the branch for physical dispatch) | Rs.100 per instance |
Interest Certificate | Rs.50 |
InstaPay | Rs.10 |
IMPS (Immediate Payment Service) - Outward | Amount up to Rs.1 lakh - Rs.5 (Plus GST as applicable) per transaction Amount above Rs. 1 lakh up to Rs.2 lakhs - Rs.15 (Plus GST as applicable) per transaction |
IMPS (Immediate Payment Service) - Inward | Free |
Hold Statement | Rs.400 per year |
ECS/ACH (Debit) Return Charges | Rs.350 in a quarter Rs.750 would be charged from the second instance onwards in the same quarter. |
Duplicate passbook issuance | Rs.100 |
Demand Drafts- Issued - On Non HDFC Bank Locations | Upto Rs.500 - Rs.10 Above Rs.500 to Rs.1,000 - Rs.15 Above Rs.1,000 to Rs.5,000 - Rs.25 Above Rs.5,000 to Rs.10,000 - Rs.30 Above Rs.10,000 - Rs.5 per Rs.1,000 |
Decline charge for insufficient balance | Rs.25 per transaction (Plus GST as applicable) |
Debit Card transaction charge - at Non HDFC Bank International ATMs | Rs.25 per balance enquiry and Rs.125 per cash withdrawal (plus GST as applicable) |
Debit Card - Replacement Charges/Re issuance charges | At HDFC Bank ATMs - First 5 transactions free across all Cities At non-HDFC Bank branches - In Top 6 cities: First 3 transactions free Non Top 6 cities : First 5 transactions free Transactions over and above free limit will be charges as under: Cash withdrawal - Rs.20 plus GST as applicable per transaction Non-Financial Transaction - Rs.8.5 (plus GST as applicable per transaction) |
Debit Card - Renewal Fee - Women's Card | Free |
Debit Card - Renewal Fee - Titanium Royale | Free |
Debit Card - Renewal Fee - Titanium | Rs.400 per year (Plus GST as applicable) |
Debit Card - Renewal Fee - Times Points | Rs.650 per year (Plus GST as applicable) |
Debit Card - Renewal Fee - Regular/Rewards | Free |
Debit Card - Renewal Fee - Gold/Platinum | Rs.750 per year (Plus GST as applicable) |
Debit Card - Annual Fee - Women's Card | Free |
Debit Card - Annual Fee - Titanium Royale | Rs.400 per year (Plus GST as applicable) |
Debit Card - Annual Fee - Titanium | Free |
Debit Card - Annual Fee - Times Points | Rs.650 per year (Plus GST as applicable) |
Debit Card - Annual Fee - Regular/ Rewards | Free |
Debit Card - Annual Fee - Gold/Platinum | Rs.750 per year (plus GST as applicable) |
Collection of outstation cheques at HDFC Bank locations | Up to Rs.5,000 - Rs.25, Rs.20 for rural branches Rs.5,001 to Rs.10,000 - Rs.50, Rs.40 for rural branches Rs.10,001 to Rs.1 lakh - Rs.100 Rs.1,00,001 and above - Rs.150 |
Collection of outstation cheques - other locations | Up to Rs.5,000 - Rs.25, Rs.20 for rural branches Rs.5,001 to Rs.10,000 - Rs.50, Rs.40 for rural branches Rs.10,001 to Rs.1 lakh - Rs.100 Rs.1,00,001 and above - Rs.150 |
Cheques deposited returned unpaid | Rs.100 per instance |
Cheque/Demand Drafts - Cancellation/Revalidation | Rs.100 |
Cheque return charges drawn on us - Local | Due to Insufficient funds - First cheque return in a quarter - Rs 350 From second cheque return in the same quarter - Rs.750 per return Charges due to funds transfer cheque return - Rs.350 Due to Technical reasons - Rs.50 per instance |
Cheque Collection - Local Clearing Zone | Free |
Charges for non-maintenance of account | None |
Branch transactions (Includes only Cheque deposit/Cheque issuance/Funds Transfer Debit/NEFT/RTGS) | No charges if the average monthly balance (AMB) is equal or above Rs.50,000. -In case the AMB is below Rs.50,000, 15 free transactions would be permitted per month. From then on, Rs.75 will be charged for every transaction. |
BillPay | Free |
Balance Enquiry - at Branch | Free |
Balance Certificate | Current year - Free Previous year - Rs.50 |
ATM Card - Replacement charges | Rs.200 (plus GST as applicable) |
ATM Card | Free |
Any deliverable returned by courier due to negative reasons | Rs.50 per instance |
Address Confirmation | Rs.50 per instance |
Add-on Debit Card - Women's Card | Free |
Add-on Debit Card - Titanium Royale | Rs.400 per year (plus GST as applicable) |
Add-on Debit Card - Titanium | Rs.250 per year (plus GST as applicable) |
Add-on Debit Card - Times Points | Rs.650 per year (plus GST as applicable) |
Add-on Debit Card - Rewards | Rs.500 per year (plus GST as applicable) |
Add-on Debit Card - Regular | Free |
Add-on Debit Card - Gold Card/Platinum | Rs.750 per year (plus GST as applicable) |
No, that would not be required. All you need to do is take a letter from your employer to your local HDFC Bank. The letter from your employer should contain your name, account number, date of joining and basically a confirmation that you are now a member of the organisation.
No, that would not be possible. You will have to employed and receive a salary every month to to be eligible and avail the facilities of this salary account.
Yes, your Defence ID will be enough as proof of identification. You can also submit your regular Government approved KYC documents if need be.
You can change your address via your net banking account or at your local HDFC Bank branch. You will need to submit a government approved document stating clearly your new address. Once you have submitted your new address, it will take 7 days to be updated.
While you can do this at any HDFC Bank branch, it is most convenient to do it through your net banking account. You can do this by following the steps mentioned below.
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
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