As a business owner or entrepreneur, managing your finances effectively is crucial for the success of your venture. HDFC Bank, one of India's leading private sector banks, offers a range of current account options to cater to the diverse needs of its customers. However, with various charges associated with current accounts, it's essential to understand the HDFC Bank current account charges to make informed decisions.
Disclaimer: Charges vary by city tier (Metro/Urban/Semi-Urban/Rural) and account variant. This is a general guide; refer to your specific agreement.
This is the most frequent charge. If your account balance falls below the required threshold, HDFC levies a penalty. hdfc bank current account charges
Max Current Account and Women’s Current Account have lower or zero AMB requirements but higher per-transaction fees.
Charges are typically ₹3.5 per ₹1,000 deposited, with a minimum of ₹50 per transaction. As a business owner or entrepreneur, managing your
Most HDFC current accounts require a minimum Average Quarterly Balance (AQB). If your balance falls below this threshold, the bank levies a penalty per quarter. Account Type AQB Requirement Non-Maintenance Charge (Per Quarter) ₹10,000 (Non-metro) Premium ₹25,000 / ₹50,000 (Varies) Ascent ₹50,000 (Metro/Urban) Plus ₹1,00,000 ₹1,500 (if ≥₹50k); ₹6,000 (if <₹50k)
There is often a daily operational cap (e.g., ₹15,000 for Regular accounts) for cash deposits at branches other than your home branch. 3. Cash Withdrawal Charges If your account balance falls below the required
As of early 2026, here is a detailed breakdown of and key operational limits. 1. Minimum Balance & Non-Maintenance Charges (NMC)
Navigating the fee structure of a current account is vital for managing business overheads. HDFC Bank , one of India's largest private lenders, offers a tiered system of current accounts tailored to different business sizes, from small proprietorships to large corporations.