HDFC Bank announced a comprehensive revision of service charges. These changes include reduced free transactions, increased per-transaction charges, and revised fees for NEFT, RTGS, IMPS, and ECS/ACH returns. The revision in fees for savings, salary, and NRI accounts is effective from August 1, 2025. For senior citizens and premium account holders, the rates were differentiated.
4 Free Cash Transactions
HDFC Bank customers will get 4 free cash transactions per month; beyond this, a charge of Rs 150 per transaction will apply. The free monthly value limit for self and third-party transactions at any branch has been reduced from Rs 2 lakh to Rs 1 lakh per account. Beyond this limit, charges will be Rs 5 per Rs 1,000 or part thereof, subject to a minimum of Rs 150. The third-party daily cash transaction limit is Rs 25,000 per day at any branch; transactions above this amount are not permitted.
Balance & Interest Certificate Charges
Earlier, balance and interest certificates, address confirmation were free of charge, while old records, copies of paid cheques cost Rs 80 for regular customers and Rs 72 for senior citizens. Now, effective per instance, the charge for all these services is Rs 100 for regular customers and Rs 90 for senior citizens when availed physically at the branch premises.
ECS/ACH Return Charges
From August 1, 2025, the charges have been revised to Rs 500 for the 1st return (Senior Citizen – Rs 450) and Rs 550 for the 2nd return onwards (Senior Citizen – Rs 500).
Earlier, the charges were Rs 450 for the 1st return (Senior Citizen – Rs 400), Rs 500 for the 2nd return (Senior Citizen – Rs 450), and Rs 550 from the 3rd return onwards (Senior Citizen – Rs 500).
HDFC Bank Cheque Return Charges
For cheque return charges for financial reasons, the charges are Rs 500 for the first return (Rs 450 for senior citizens) and Rs 550 for the second return onwards (Rs 500 for senior citizens).
If a cheque is returned for technical reasons, the charge is Rs 50 (Rs 45 for senior citizens). Technical cases refer to missing dates, post-dated cheques, or signature mismatches.
RTGS Transaction Through Branch
Earlier, RTGS charges were Rs 15 for transactions of Rs 2 lakh and above (Rs 13.5 for senior citizens). Now, they are Rs 20 for transactions between Rs 2 lakh and Rs 5 lakh (Rs 18 for senior citizens) and Rs 45 for transactions above Rs 5 lakh (Rs 40.5 for senior citizens).
NEFT Transaction Through Branch
From August 1, 2025, the revised charges will be as follows
Up to Rs 10,000 – Rs 2 (Rs 1.80 for senior citizens),
Rs 10,000 to Rs 1 lakh – Rs 4 (Rs 3.60 for senior citizens),
Rs 1 lakh to Rs 2 lakh – Rs 14 (Rs 12.60 for senior citizens),
Above Rs 2 lakh – Rs 24 (Rs 21.60 for senior citizens).
