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  • HDFC Bank Salary Account

    HDFC Bank Savings Account

    Overview of HDFC Salary Account

    HDFC Salary Account is specially designed for the employees of corporates, defense personnel and employees of other major companies to simplify banking. HDFC Salary Account will offer complete peace of mind for the employers and will provide a range of exclusive services to the employees. HDFC Salary Accounts comes in different variants, each tailored to provide a wide range of advantages including insurance options, internet & mobile banking services and zero balance requirements.

    Bank HDFC
    Category HDFC Salary Account
    Minimum Balance Requirements (MAB) Nil
    Interest Rate - SBI Savings Plus Account 4% per annum
    Debit Card Offered
    • HDFC Premium Salary Account - HDFC Titanium Royale Debit Card
    • HDFC Regular Salary Account - HDFC International Rewards Debit Card
    • HDFC Defence Salary Account - HDFC Titanium Defence Titanium Debit Card
    • HDFC Salary Family Account - HDFC Titanium Royale Debit Card
    • HDFC Classic Salary Account - HDFC Rewards Debit Card
    • HDFC Basic Savings Bank Deposit Account for Salary - HDFC Rupay Debit Card

    Types of HDFC Salary Account

    To meet the specific needs of different organizations, HDFC presents 7 types of salary account types. For employees of specific organizations, HDFC offers salary accounts that are tailored to meet their needs. These salary accounts from HDFC offer the best of benefits to the employers and employees.

    HDFC Premium Salary Account A premium salary account that is offered for select corporates as priority service. HDFC Premium Salary Account holders get insurance covers and zero balance benefits.
    HDFC Regular Salary Account This is an unique salary account with comprehensive benefits that will offer utmost convenience to the customers. Get 5% savings, insurance cover and higher transaction limits with this card.
    HDFC Defence Salary Account Specially crafted for defence personnel, this salary account offers countless benefits like savings on loans & credit cards, zero balance requirements and total banking convenience. Also, with the HDFC ATM Debit card, you will get access to a wide network of ATMs across the country.
    HDFC Salary Family Account If you are looking for a salary account that will cater to the banking needs of your entire family, this account from HDFC is the right choice. With benefits like debit card cash, personal accident death cover and zero balance requirements, this account will make banking very convenient.
    HDFC Classic Salary Account This salary account offers a wide range of services like advanced net banking and mobile banking services, Classic Salary Account also offers free billPay facility and free demand drafts.
    HDFC Reimbursement Account Any HDFC salary account holder can also apply for a HDFC Reimbursement account. This account will help you easily distinguish between salary credits and reimbursements. Also, you can choose if you have to withdraw from the reimbursement account or the salary account when making a ATM withdrawal.
    HDFC Basic Savings Bank Deposit Account for Salary A basic salary account with RuPay debit card, HDFC BSBDA salary account comes with a line of features like free chequebook, easy fund transfers and free passbook. Account holders also have the flexibility of zero balance requirements.

    Services Offered with HDFC Salary Account

    HDFC salary accounts come with a wide range of services that are designed to offer immaculate banking experience. Here are some of the services offered with HDFC salary accounts that will help you save more and also help you manage the savings account with ease.

    Cheque Book Free 25 cheque leaves per half year Additional chequebook of 25 leaves will be charged Rs. 75 per cheque book
    Passbook and e-Statements Passbook is provided at no extra cost. Free statement of account is also provided.
    Internet Banking Yes
    SMS Alerts Yes
    Cash Withdrawal For HDFC ATMs, the first 5 transaction is free across all cities. In other bank ATMs. first 6 transactions are free in top 6 cities and in all other locations, first 5 transactions free. A transaction includes both financial and non-financial transactions. Above the free limit, Rs. 20 will be charged per cash withdrawal and Rs. 8.5 will be charges for non cash transaction.

    Features of HDFC Salary Account

    No minimum balance requirements All HDFC Savings accounts are zero balance accounts.
    Personal Accident Death Cover Select HDFC Salary accounts come with a personal accident death cover of Rs. 5 lakhs.
    Free Air Accidental Death Cover Select HDFC Salary Accounts comes with air accidental death cover of Rs. 25 lakhs.
    Account for the family Select HDFC Salary Accounts offers the advantage of free zero balance family account for family members with same benefits.
    Cash Back Offers HDFC Titanium Royale Debit card holders enjoy cash backs up to Rs. 750 a month with an array of other features.
    Access to other ATMs Enjoy absolute banking comfort with HDFC Salary accounts and debit cards - customers can use the card at any ATM across India.
    Preferential Product Pricing HDFC Salary account holders get preferential pricing offers on loans and related products from HDFC.
    Free Demand Drafts HDFC Salary account holders get free demand drafts payable at all HDFC locations across India.
    Easy account management Salary account customers can manage their account with ease with mobile banking and internet banking services.
    Free InstaAlert Facility Customers get email and sms alerts for free whenever a transaction is made.
    Easy Fund Transfer HDFC Salary Account holders can use the NEFT and RTGS facility to transfer funds easily.
    Anywhere Banking With HDFC’s wide banking & ATM network, customers can access their accounts from any location.
    Free Chequebook Payable at Par chequebook is offered for free.
    Reimbursement Account HDFC Salary Account holders can open a reimbursement account for easy management of funds.

    Fees and Charges for HDFC Salary Account

    The fees and charges given below correspond to the general HDFC Salary Accounts. For HDFC Basic Savings Bank Deposit Account for Salary and Family Salary account, the charges for some transactions might vary. Do enquire with HDFC Bank about the fees & charges as they are subject to frequent revisions.

    Charges on non-maintenance thereof NIL
    Payable At Par Cheque book Free 25 cheque leaves per half year Additional chequebook of 25 leaves will be charged Rs 75/- per chequebook
    Issue of duplicate / ad hoc statements Branch - Rs 100/- Phone Banking (Non IVR) - Rs.75/- NetBanking, Mobile Banking, Phone Banking - IVR & ATM - Rs 50/-
    Minimum Balance (Average Monthly Balance) NIL
    PAP Cheque book usage charges No Charges
    Duplicate passbook issuance Rs 100
    Demand Drafts - Cancellation and Revalidation Rs 100/- (Nil cancellation / revalidation charges for Managers Cheque / DD value upto Rs.1000/-)
    Passbook issuance Free
    Hold Statement Rs. 400 per year
    Managers Cheques / Demand Drafts - Issuance / Re-issuance - On HDFC Bank Locations  
    DD request through Branch
    Free upto Rs.25,000 Above Rs. 25,000 Rs.5 per 1000  (min Rs 75/- & max Rs. 10,000)
    DD request through Netbanking
    Upto Rs. 1 Lakh Rs .50+(Corr. Bank charges if applicable)
    Third party DD upto Rs. 1,00,000 Rs .50+(Corr. Bank charges if applicable)
    Cheque Collection - Local Clearing Zone Free
    Collection of outstation cheques - our bank locations Rs. 25 to Rs. 150 for branch locations and Rs. 140 for non branch locations.
    Balance Enquiry  at Branch Free
    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 will be charged
    Cheques deposited returned unpaid Charge of Rs 100/- per instance would be levied
    Stop Payment Charges Particular cheque - Rs. 100/- Range of cheques - Rs. 200/- Free if done through NetBanking
    Balance Certificate Current year - Free, Previous year - Rs. 50
    Signature Attestation Charges NIL
    Interest Certificate Rs. 50
    Account Closure Up to 14 days - No Charge 15 days up to 12 months - Rs 500/- Beyond 12 months - No Charge
    Number of cash transactions (Self at home and non-home branches) 5 free cash transactions per month would be permitted and Rs 100/- per transaction would be levied 6th transaction onwards.
    TDS Certificate Free
    Standing Instructions Setting up Charges - NIL
    Activation of dormant account No charges
    Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 200 excluding taxes.
    Local Cheque deposited for outstation accounts Free
    Phone banking – IVR and non IVR Free
    Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 25 per balance enquiry & Rs. 125 per cash withdrawal plus taxes
    ATM Card - Replacement charges Rs. 200 (plus taxes and cess)
    Debit Card - Annual Fee - Regular / Rewards Free
    ATM Card Free
    ATM / Debit Card Card - Transaction Charge  
    HDFC BANK ATMs Other Bank ATMs
    First 5 Transactions Free  across all Cities In Top 6 cities : First 3 Transactions Free and in Non Top 6 cities : First 5 Transactions Free
    InstaAlert Email - Free SMS - Rs. 15/- per quarter
    PIN regeneration charge Rs. 50 plus taxes and cess
    Visa Money Transfer Rs. 5 (plus taxes and cess) per transaction
    InstaPay Rs. 10 (plus taxes and cess) per transaction
    IMPS (Immediate Payment Service) - Inward NIL
    Mobile banking Free
    Net banking Free
    RTGS - Inward NIL
    BillPay Free
    NEFT Charges - Inward NIL
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