HDFC Bank Regular Salary Account
HDFC Bank has rolled out the Regular Salary Account which is a customised salary account offered to select corporates for all salaried employees around the country.
This salary account is a zero-balance account and comes with the benefits of a free Accidental Death Cover up to Rs.6 lakh and an International Air Accident Death Cover up to Rs.30 lakh.
Learn more about HDFC Bank Savings Account, HDFC Zero Balance Account, HDFC Netbanking, Open HDFC Savings Account
Features and Benefits of HDFC Bank Regular Salary Account:
- Regular Salary account holders can also opt to open a family account. The family account will be a zero-balance account as well.
- As already mentioned, the HDFC Bank Regular Salary Account is a zero balance account. In other words, there is no requirement for a minimum balance.
- Customers holding this salary account are eligible for the free Personal Accident Cover of Rs. 1 lakh.
- Customers are also eligible for the Air Accidental Death Cover of Rs.5 lakh.
- On opening the account, customers are granted a debit card. The debit card comes with the below listed benefits:
- Free Personal Accidental Death Cover up to Rs.5 lakh.
- With the HDFC debit card, customers are assured a base Personal Accidental Death Cover either by rail, road, air, etc., up to a maximum of Rs.25 lakh.
- Enhanced domestic cash withdrawal limit of Rs.50,000 per day.
- The daily shopping limit at retail or online merchant establishments is Rs.2.75 lakh.
- Customers can also avail a free add-on International debit card.
- Through this salary account, customers can avail a variety of loan products at the best possible interest rates.
- Customers can bank anywhere in the world using the HDFC Bank Regular Salary account.
- Account holders can make fund transfers through the NEFT and RTGS facilities.
- The HDFC Bank Regular Salary account comes with the benefits of free monthly account statements, e-mail statements, and passbook.
- Customers can also avail the benefit of free Demand Drafts at any HDFC Bank branch.
- This salary account offered by HDFC Bank comes with the convenience of phone banking, mobile banking and net banking facilities.
Eligibility for HDFC Bank Regular Salary Account Insurance Coverage:
To be eligible for the Free Personal Accidental Death Cover and the Free Air Accidental Death Cover, customers need to meet certain criteria.
- Eligibility for Air Accidental Death Cover:
- Death should have occurred as a result of bodily injury.
- Death should have occurred within 12 months from the event .
- On the day of death, the customer should have been less than 70 years of age.
- Should have held the HDFC Bank Regular Salary account and should have received the salary in the month of death or the month prior to the occurrence of death.
- Should have made at least one transaction or purchase within 6 months prior to the occurrence.
- Should have purchased the air ticket using the HDFC Bank debit card.
- The cover is only limited to the primary account holder and not his/her nominee[s].
- Eligibility for Personal Accidental Death Cover
- Death should have occurred as a result of bodily injury.
- Death should have occurred within 12 months from the event .
- On the day of death, the customer should have been less than 70 years of age.
- Should have held the HDFC Bank Regular Salary account and should have received the salary in the month of death or the month prior to the occurrence of death.
- Should have made at least one transaction or purchase within 6 months prior to the occurrence.
- In case of death resulting from an air accident, the primary account holder should have purchased the air ticket using the HDFC Bank debit card.
- The cover is only limited to the primary account holder and not his/her nominee[s].
Documents Required for HDFC Bank Regular Salary Account:
When submitting the account opening form, the candidate should submit the following Government approved KYC documents:
- Identity proof - Passport, PAN card, Voter's ID, Driver's license.
- Address Proof - Passport, Rent Agreement, any government approved document containing the address, Driver's license, etc.
HDFC Bank Regular Salary Account Fees and Charges:
Listed below are the fees and charges for the HDFC Bank Regular Salary account:
Particulars | Charges |
Minimum Balance (Average Monthly Balance) | Zero |
Charges for non-maintenance of account | None |
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 |
PAP Cheque book usage charges | Nil |
Issue of duplicate / adhoc statements | At the HDFC Branch - Rs 100 Via Phone Banking - Rs.75 NetBanking, Mobile Banking, Phone Banking - IVR & ATM - Rs.50 |
Hold Statement | Rs. 400 per year |
Passbook issuance | Free |
Duplicate passbook issuance | Rs.100 |
Managers Cheques / Demand Drafts at HDFC Bank branches | Free upto Rs.25,000 Above Rs.25,000 Rs.5 per 1000 - 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. 1,00,0000 - Rs .50+ Bank charges |
Cheque/Demand Drafts - Cancellation / Revalidation | Rs.100 |
Demand Drafts- Issued - On Non HDFC Bank Locations | Upto Rs.500 - Rs.10 Above Rs.500 to Rs.1000 - Rs.15 Above Rs.1000 to Rs.5000 - Rs.25 Above Rs.5000 to Rs.10,000 - Rs.30 Above Rs.10,000 - Rs.5 per Rs.1,000 |
Cheque Collection - Local Clearing Zone | Free |
Collection of outstation cheques at HDFC Bank locations | Upto Rs.5,000 - Rs.25 (urban branches), Rs. 20 for Rural branches Rs. 5,001 to Rs 10,000 - Rs.50, Rs.40 for Rural branches Rs.10,001 to Rs.1,00,000 - Rs.100 Rs.1,00,001 and above - Rs.150/- |
Collection of outstation cheques - other locations | Upto 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.1,00,000 - Rs.100 Rs.1,00,001 and above - Rs.150 |
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 transaction will be charged |
Cheques deposited returned unpaid | Charge of Rs 100 per instance would be levied |
Balance Enquiry - at Branch | Free |
Balance Certificate | Current year - Free Previous year - Rs.50 |
Interest Certificate | Rs.50 |
TDS Certificate | Free |
Account Closure (from account opening date) | Upto 14 days - No Charge 15 days upto 12 months - Rs.500 Beyond 12 months - No Charge |
Photo Attestation | Rs.100 per instance NIL (For Senior Citizens) |
Signature Attestation | Free |
Address Confirmation | Rs.50 per instance |
Stop Payment Charges | Particular cheque Rs.100 Range of cheques Rs.200 Free through NetBanking |
Standing Instructions | Setting up Charges - NIL Rs.25 per transaction plus remittance charge |
Unarranged overdraft | Rs.100 per occasion + 18% Interest p.a |
Old records/copy of paid cheques | Upto 1 year - Rs.50 per record, Above 1 year - Rs.100 per record |
Branch transactions (Includes only Cheque deposit/Cheque issuance/Funds Transfer Debit/NEFT/RTGS) | In case the AMB in the previous month is equal to or above Rs.50,000 no charges would be levied -In case the AMB is below Rs.50,000 15 transactions free/month would be permitted and charge of Rs.75 would be levied from the 16th transaction onwards |
Number of Cash transactions(Cumulative of Deposit and Withdrawal) | 4 free cash transactions per month 5th transaction onwards - Rs.150 per transaction (plus taxes as applicable) would be levied |
Value of Cash transactions(Cumulative of Deposit and Withdrawal) | Home Branch Up to 2 lakh - Free per month per account. Above 2 lakh- Rs.5 per Rs.1,000 or part thereof, subject to a minimum of Rs.150 (plus taxes as applicable) Non-Home Branch: Cash transactions value upto Rs.25,000 per day - No charge Above Rs.25,000 - Rs.5 per thousand or part thereof, subject to a minimum of Rs.150 (plus taxes as applicable) |
Third party Cash transaction (Cumulative of Deposit and Withdrawal) | Upto a limit of Rs.25,000 per day - Rs.150 (plus taxes as applicable) Above Rs.25,000 not allowed For Senior Citizen customers, Kids/Minor Accounts, while the limit of Rs.25,000 per day will be applicable , the accounts will not be charged |
Local Cheque deposited for outstation accounts | Free |
Phone banking | Free |
ATM Card | Free |
ATM Card - Replacement charges | Rs.200 (plus taxes as applicable) |
Debit Card - Annual Fee - Regular / Rewards | Free |
Debit Card - Annual Fee - Titanium | Free |
Debit Card - Annual Fee - Titanium Royale | Free |
Debit Card - Annual Fee - Times Points | Free |
Debit Card - Annual Fee - Gold / Platinum | Rs.750 per year (plus GST) |
Debit Card - Annual Fee - Women's Card | Free |
Debit Card - Renewal Fee - Regular / Rewards | Free |
Debit Card - Renewal Fee - Titanium | Free |
Debit Card - Renewal Fee - Titanium Royale | Free |
Debit Card - Renewal Fee - Times Points | Free |
Debit Card - Renewal Fee - Gold / Platinum | Rs.750 per year (plus GST) |
Debit Card - Renewal Fee - Women's Card | Free |
Debit Card - Replacement Charges/Re issuance charges |
|
Debit Card - Transaction Charge - Non HDFC Bank International ATMs | Rs.25 per balance enquiry and Rs.125 per cash withdrawal (plus taxes as applicable) |
PIN regeneration charge | Rs.50 (plus taxes as applicable) |
Decline charge for insufficient balance | Rs.25 per transaction (plus GST) |
Add-on Debit Card - Regular | Free |
Add-on Debit Card - Rewards | 500 per year (plus GST) |
Add-on Debit Card - Gold Card / Platinum | Rs.750 per year (plus GST) |
Add-on Debit Card - Times Points | Rs. 650 per year (plus GST) |
Add-on Debit Card - Women's Card | Free |
Add-on Debit Card - Titanium | Rs. 250 per year (plus GST) |
Add-on Debit Card - Titanium Royale | Rs. 400 per year (plus GST) |
BillPay | Free |
InstaPay | Rs.10 |
Visa Money Transfer | Rs. 5 (plus GST) per transaction |
NEFT Charges - Inward | Free |
NEFT Charges- outward | Up to Rs. 10,000 - Rs.2.5 (plus GST) per transaction Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (plus GST) per transaction Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (plus GST) per transaction Amounts above Rs.2 lakh - Rs.25 (plus GST) 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. |
RTGS - Outward | Above Rs.2 lakh to Rs.5 Lakh - Rs.25 (plus GST) per transaction Above Rs 5.Lakh - Rs.50 (plus GST) per transaction |
RTGS - Inward | Free |
IMPS (Immediate Payment Service) - Outward | Amount up to Rs.1 lakh - Rs.5 (plus taxes as applicable) per transaction Amount above Rs.1 lakh up to Rs.2 lakhs - Rs.15 (plus GST) per transaction |
IMPS (Immediate Payment Service) - Inward | Free |
Mobilebanking | Free |
Netbanking | Free |
ECS / ACH (Debit) Return Charges | Rs.350 in a quarter - Rs.750 would be levied, second instance onwards in the same quarter. |
Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address) | Rs 50 per instance |
TIN Regeneration (requests received at the branch for physical dispatch) | Rs 50 per instance |
IPIN Regeneration (requests received at the branch for physical dispatch) | Rs 100 per instance |
FAQs on HDFC Bank Regular Salary Account
- Is it possible to stop a cheque payment? How can I do it?
You can stop a cheque payment via your net banking account. Follow the steps mentioned below:
- Firstly, login to your NetBanking account
- Next, click on the "Request" menu on the left hand side of the web page
- Now, click on the "Stop Payment of Cheque" option available
- Select the Account Number - incase you have more than one account
- Enter first/Start cheque number to the last/End cheque number, and state a reason for stopping the payment.
- Click on "Continue".
- Click on "Confirm" tab to confirm the stop payment request after verifying the request.
- Is it possible to continue using this account if I have changed employers?
Yes, all you need to do is take a letter from your employer to your local HDFC Bank. The letter should contain your name, account number, date of joining and basically a confirmation that you are now a member of the organisation.
- What documents should I submit when applying for this account? Is my employment ID enough?
No, you would need to submit a government approved identification as your employee ID will not be entertained.
- Can I open this account if I am unemployed?
No, that would not be possible.
- I wish to change my address, how can I do it and how long will it take?
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.
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