BANKING SOLUTIONS FOR ALL YOUR NEEDS

Savings Account Activ Current Account Savings Mini Account Overdraft Against
for Merchants for Small Merchants Fixed Deposit AC

Farmer Account Kisan Gold Card Tractor Loan Home Loans

(KGC)

Government
Salary Account

Government
Savings Account

Government Government Institutional Institutional

Salary Account Current Account Savings Account Current Account

Personal Loan Business Loans Two Wheeler Loans Car Loans

Gold Loan Instant Consumer Finance – Transportation (CV) Loan Against Property
Easy EMI On the Go @ CSC & Infrastructure Group (CERL).
Commercial Vehicles:
Brief details on
PM SVANidhi Scheme.

Social Security Schemes -

Jan Dhan Se Jan Suraksha -
PMJJBY / PMSBY /APY

Advantages of Fixed Deposit /

Loan Demat Account Group Loan Facilities recurring Deposit Booking
On Credit Card for Women at CSC Center
Index
Savings Account P3

Activ Current Account for Merchants P5

Savings Mini Account for Small Merchants P8

Overdraft Against Fixed Deposit A/C P11

Farmer Account P14

Kisan Gold Card (KGC) P16

Tractor Loan P17

Home Loans P20

Government Salary Account P22

Government Salary Account P23

Government Salary Account P25

Government Savings Account P27

Government Current Account P32

Institutional Savings Account P37

Institutional Current Account P42

Demat Account P47

Personal Loan P48

Business Loans P49

Two Wheeler Loans P50

Car Loans P51

Gold Loan P54

Transportation (CV) & Infrastructure Group (CERL). Commercial Vehicles: P56

Instant Consumer Finance Easy EMI On the Go @ CSC P60

Loan Against Property P61

Loan On Credit Card P63

Group Loan Facilities for Women P64

Brief details on PM SVANidhi Scheme. P65

Social Security Schemes - Jan Dhan Se Jan Suraksha - PMJJBY / PMSBY /APY P66

Advantages of Fixed Deposit / recurring Deposit Booking at CSC Center P69

 Savings Account
(Product Code 1132)

Features and Benefits

Minimum Balance Requirement

• Metro/ Urban locations: `10,000 Average Monthly Balance
• Semi-Urban locations : `5,000 Average Monthly Balance
• Rural locations: `2,500 Average Quarterly Balance with an option of FD Cushion of minimum `10,000 (Min
tenure of 1 year 1 day)
Health Cover
• Personal Accidental Death Cover of upto ` 10 lakh on your Rupay Premium debit card with base cover of `5
lakh (Accelerated cover upto `10 lakh is based on debit card spends)

Debit card
• Rupay Platinum Debit Card with 200+ exclusive offers & deals for offers: https://www.rupay.co.in/rupay-
offers)
• 5 % Cash Back on Utility Bills paid using Rupay Platinum Debit Card up to `50 per month
• Higher ATM & POS Transaction Limits - `25,000/- on ATM & `1,75,000/- on POS on your Rupay Premium
Debit card
• Lounge Access on Rupay Platinum Debit Card – 2 per quarter charged at a nominal transaction fee of ` 2 per
access. Charged at normal rates thereafter

Special Benefits
• Enjoy free transactions at ATMs – Free 5 transactions (per month) at HDFC Bank ATM's and Free 5
transactions at Non HDFC Bank ATMs (3 at non HDFC ATMs for top 6 Metro cities)
• Super Saver: Overdraft facility against your Fixed Deposit (subjected to approval)
• Smart Buy- One Stop Shop for all your needs
• Free UPI, NEFT & RTGS transactions – Online mode to transfer funds from your HDFC Bank account
P3
Loans & Investments
• Complete suite of loan products to meet all customer requirements with quick processing
• Investments and Insurance solutions for secure future
• Widest range of Credit Cards to address every need
Access a wide network of branches and ATMs across the country to meet all your banking needs
Get free monthly account statements

Digital & payment Solutions

• Online shopping, SmartBuy, Send Money, Bill Payments, Mobile/DTH/Data card Recharge One Stop Shop for
all your needs - flight tickets, electronics items, credit cards, food fiesta etc 200+ transactions from the comfort
of home or office.
• 235+ transactions on the go from your Smartphone. Send / receive money 24/7 even on Bank holidays. One App
for all bank accounts.
• Instant solution to pay bills. Avail 5% cashback for 12 months by setting SI (Max `100/month) Simplest and
fastest way to recharge without Internet

P4
 Activ Current Account
for Merchants
(Product Code 1140)

Product Offering:
USP of the Product Offering
This current account presents the following features:
Ø Multiplier benefits across all nature of transactions
• Cash Deposit (All over India) – 10 times of current month Average Monthly Balance
• Cash Withdrawal (Non-Home branch) – 10 times of current month Average Monthly Balance
• DD / PO (bank location) – 30 per Lac (basis current month Average Monthly Balance)
• Cheque Leaves – 100 per Lac (basis current month Average Monthly Balance)
• Bulk Transaction – 150 per Lac (basis current month Average Monthly Balance)
Ø Balance Non Maintenance Charges (NMC) waiver for subsequent quarter if digitally active on all 3 services (Net
Banking or Mobile Banking / Debit Card swipe / Bill Pay Usage) in first 2 months of account opening
Ø NMC waiver for basis credit throughput across business transactions ME/PG/MPOS credit throughput> 10 Lac

Product Offering: PC 1140

Average Quarterly Zero NMC Charge for Additional Criteria for
Product Non Maintenance Charges (NMC)
Balance First 2 Quarters Zero NMC Charges
Metro & Urban: Metro & Urban: Quarterly credit
`. 10,000 (AQB)
1
` 3000/- per quarter
6 if balance maintained is <75%, all free limit**
will be lapsed for transaction 2 volume through ME /
Activ Semi Urban & Rural: Semi Urban & Rural:
Digital Bundle Active
PG /MPOS is >
1 6
(as mentioned below)
`. 5,000 (AQB) ` 1500/- per quarter ` 10 Lac
Cash Charges Non Cash / Service Charges Number of total
4

Transaction Cash Deposit Cash Withdrawal Cash Withdrawal Cheque Outstation Cheque Free transactions
(Anywhere in India) DD/ PO per month
(Home Branch) (Non Home Branch) Leaves (p.m.) Collection
Bank location : 100 cheque Free – at branch 150 txn for every
10 times Current 10 times Current 30 DD/PO for every leaves for every locations and speed ` 1 Lac of Balance
**Free Limit Month AMB3 Free Month AMB3 ` 1 Lac of Balance ` 1 Lac of Balance
5
maintained
5 clearing maintained5
maintained
Upper cap 50 Cr _ 50 Cr 1000 DD/PO 2000 Cheque Leaves _ 3000 transaction
Corr Bank :
Bank location : Upto 35K – ` 50/-;
Standard charges 35K to 1 Lac – `100/- ;
` 50 per DD/PO
(Beyond Free Charges @ ` 3/- ` 2/1000, Above 1 Lac – ` 150/-
_ At Corr Bank Charges @ ` 25/-
Limit or Upper cap, per
per ``1,000/-,
1,000/-, minimum ` 50/- Clean Location :
Location : ` 2/- per Leaf Upto 25K – ` 50/-; per transaction
which-ever minimum ` 50/- per transaction
` 1.5/1000 minimum 25K to 1 Lac ` 100/-;
breaches first) per transaction- of ` 50/- per DD/PO Above 1 Lac ` 150/- (per
instrument charges) P5
 Other Free ervices
• Transactions done through NetBanking / MobileBanking (other than IMPS) / PhoneBanking / Email and HDFC Bank ATM • TDS certificate
• All cheque based transactions i.e. Payment or Collection being Local / Anywhere or Fund Transfer within HDFC Bank • Phone Banking IVR and Non IVR (Agent Assisted)
• NEFT and RTGS (payments and collection) through Branch or NetBanking • Insta alert and Bill Pay
• Outstation cheque collection at branch locations / Speed Clearing • Standing Instruction (Setting up)

Debit Card
Replacement Damaged Card - Free
Annual Fee ATM usage
Fees Lost Card - ` 200/-
Copy Retrieval
HDFC Bank ATM Free `100/-
Request
Free Business
Debit Card Max of 5 txns free per month with a cap of max 3 free txn in top cities,
beyond which ` 20/- per txn exclusive of taxes. (New Delhi, Mumbai, Chennai, Re-issuance of
Other Bank ATM ` 50/-
Bengaluru, Kolkata, and Hyderabad will be considered as Top 6 cities) PIN

Cheque Return Charges

Deposited and Returned Unpaid Drawn On Us
Local ` 100/- per Instrument Due to Technical Reasons No charge

Outstation ` 150/- per Instrument Due to Insufficient Funds Upto 2 instruments per month - ` 500/- per instrument; on 3rd onwards - ` 750/- per instrument
IMPS (Immediate Payment Service) charges on ` 1 to ` 1,00,000/- - Charges ` 5 ;
outgoing transactions (through NetBanking &
MobileBanking) ` 1,00,001/- to ` 2,00,000/- - Charges ` 15/- (Charges Exclusive of service tax)

Schedule of Service Chardes Activ (Effective 1st February,2019)

Common Charges:
Account Services at Branch
Balance Inquiry & Cheque's status per instance ` 25/-
Balance Confirmation Certificate & Interest Certificate ` 50/-
Signature, Photograph Verifications & Address Confirmation ` 100/-

Doorstep Banking:
Cash Pickup Charges (Within municipal city limits)
Cash pickup upto ` 1 lac ` 150/- per pickup
Cash pickup beyond ` 1 lac and upto ` 2 lacs ` 200/- per pickup
Cash pickup beyond ` 2 lacs and upto ` 3 lacs ` 300/- per pickup
Cash beyond the above limits can be offered. Available at select locations. You need to register with the Bank for availing these services. Please contact your Branch Manager for further details.

Transaction through PhoneBanking

Re-generation of PhoneBanking (TIN) at Branch or PhoneBanking ` 50/-per Request

Other Transactions
Standing Instruction Setting up: Nil; Reject: ` 200/- per instance
Any Deliverable returned by courier due to negative reasons (no such consignee / consignee shifted and no such address) ` 50 /- per instance

Duplicate / Adhoc Statement Requests

` 50/- per statement through NetBanking,
(i) Through Direct Banking channels
PhoneBanking ( IVR), ATM & InstaQuery ;
` 100/- per statement through Branch and
(ii) At Branch or PhoneBanking (Non-IVR)
` 75/- through PhoneBanking ( Non - IVR)
(iii) Hold Statement facility ` 400/- per year

Old Records / Copy of Paid Cheque :

Upto 1 year ` 50/- per record
Above 1 year ` 100/- per record
Particular Cheque- ` 100/-; Range of Cheques- ` 250/-
Stop payment charges
Free through PhoneBanking

P6
Terms & Conditions:

1 MODE OF CALCULATION OF AVERAGE QUARTERLY BALANCE(AQB) - Average of daily closing positive balance of each day spread over
a period of 3 months (calendar quarter)

2 Digital bundle activation requires Debit Card Active (on ATM or POS), Bill Pay Usage, Net Banking or Mobile Banking Active within first 2 months
of account opening

3 MODE OF CALCULATION OF AVEREAGE MONTHLY BALANCE (AMB) - Average of daily closing positive balances of each day spread over
a period of one month

4 Total transactions includes Cash Deposit, Cash Withdrawal, Cheque Collection & Payment (includes Local and Anywhere), Fund Transfer
through Branches.

5 Illustration of charges for balances between ` 1 Lac and Upto ` 2 Lac number of cheque leaves free will be 100 and bulk transaction will be
`150 and so henceforth.

6 Not applicable for customers upgraded to Preferred and Imperia Program.Operational Limit for cash deposit – Non home branch (per day) is ` 5
Lacs, any cash deposit beyond this limit would require prior intimation and approval of the Branch at least one working day in advance Daily
Third Party Cash Withdrawal limit for Current Account at Non Home Branch is ` 50,000 per transaction. The bank will charge cross-currency
mark up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale
exchange rate prevailing at the time of transaction For Accounts maintaining an Average Quarterly Balance less than required Product's
Average Quarterly Balance as of previous quarter will be charged `25 each for next 3 monthly statements. Value added services such as -
cheque printing, continuous stationery, bulk demand drafts, etc., will be chargeable.Please contact your Branch Manager for further details.
Doorstep Banking is available at select locations. Please contact your Branch Manager for further details. GST as applicable will be levied
Please log on to our website, www.hdfcbank.com to know the latest services and fees.

P7
 Savings Mini
Account for Small Merchants
(Product Code 1147)
Features and Benefits
Eligibility -

Ø Small merchants with annual turnover less than `20 lacs

Ø Payment Acceptance limit of `1 lakh per month

Minimum Balance Requirement –

Ø Metro/ Urban locations: `10,000 AMB

Ø Semi-Urban / Rural locations : `5,000 AMB

Ease of Transactions –

Ø Higher Cash Transaction limits: - No charges on number of cash transactions – Self/ Third party - Value
Cap: Cash Deposit & Cash Withdrawal limit of upto 10 times current month AMB at Home Branch location
(Upper cap: Rs.5 lakh each)

Ø Enjoy free transactions at HDFC Bank ATM's and Free 5 transactions at Non HDFC Bank ATMs (3 at non
HDFC ATMs for top 6 Metro cities)

Ø Minimum of 25 cheque leaves free per month depending on balance maintained

Ø Free UPI, NEFT & RTGS transactions – Online mode to transfer funds from your HDFC Bank account

Health Cover upto Rs.35 lakh on your card

Ø Personal Accidental Death Cover of `5 lakh on your Rewards debit card (provided debit card is POS active
in last 30 days)

Ø Additional International Air Coverage of `25 lacs on purchasing air ticket using your Rewards Debit Card

Ø Zero Liability Cover of `4 Lakh on fraudulent POS Transactions* on Rewards Debit Card

Ø Personal Accidental Death Cover of upto `10 lakh on your Rupay Premium debit card (provided debit card
is POS active minimum once in last 30 days)

P8
Debit card

Ø Access account with your Rewards Debit Card which offers 5 % Savings when you shop with Big Bazaar,
BPCL, IRCTC website, Apollo Pharmacy, Snapdeal, PayZapp and SmartBuy

Ø Rupay Platinum Debit Card with 200+ exclusive offers & deals (Link for offers: https://www.rupay.co.in/
rupay-offers)

Ø 5 % Cashback on Utility Bills paid using Rupay Platinum Debit Card up to `50 per month

Ø Higher ATM & POS Transaction Limits - `50,000 on ATM & `3,50,000 on POS on your Rewards Debit
card & `25,000/- on ATM & `1,75,000/- on POS on your Rupay Premium Debit card)

Ø Lounge Access on Rupay Platinum Debit Card – 2 per quarter charged at `2 per access

Value added features: Merchant

Ø SmartHub App: The Savings Mini Account comes with an exclusive SmartHub Merchant App with Zero
installation fees

Ø Acceptance of payments:

o Small merchant can accept payment through Bharat QR, UPI and SMS Pay. For Debit card and UPI
transactions upto `2000/- each, nil* MDR will be charged

o Customers can use ANY Bharat QR / UPI App including HDFC Bank PayZapp / Mobile Banking, Google
Pay, Bhim App, Paytm UPI, PhonePe, Jio, etc. to make payment

o Credit of payments: All payments will go straight into the Savings Mini Account and not into any wallet.
Merchant can also apply for MPOS Machine to accept payment through card swipe

Loans & Investments

Ø Increase pre-approved limits basis transactions done in account in first 6 months*

Ø Complete suite of loan products to meet all customer requirements with quick processing

Ø Investments and Insurance solutions for secure future

Ø Widest range of Credit Cards to address every need

Digital & payment Solutions

Ø 200+ transactions from the comfort of home or office

Ø 125 plus transactions on the go from smart phone

Ø Send/Receive money 24x7, even on bank holidays

Ø One App for all bank accounts

Ø Simplest and fastest way to recharge without Internet

P9
 Savings Mini – Schedule of Charges
Minimum Balance Requirement & Charges
Metro / Urban branches AMB `10,000/-
Semi-Urban / Rural Branches AMB `5,000/-
Balance Non-Maintenance Charges*
Metro & Urban Semi Urban/ Rural
AMB Slabs (in `)
AMB Requirement - `10,000/- AMB Requirement – `5,000/-
>=7,500 to < 10,000 `150/- NA
>=5,000 to < 7,500 `300/- NA
>=2,500 to < 5,000 `450/- `150/-
0 to < 2,500 `600/- `300/-
*Plus taxes as applicable AMB – Average Monthly Balance
Transaction Limits & Charges –
Type Charges
No charges on number of cash transactions
Home Branch Location
Cash Deposit: Upto10 times current month AMB (Upper cap: `5 lakh each)
Cash Transactions – Cash withdrawal: Upto10 times current month AMB (Upper cap: `5 lakh each)
Self/ Third Party Non-Home Branch location:
Charges at `5/- per thousand or part thereof, subject to a minimum of `150/- (plus taxes as
applicable)

HDFC BANK ATMs - Free

Other Bank ATMs
ATM Transactions (a) In Top 6 cities** : First 3 Transactions Free
(b) Non Top 6 cities : First 5 Transactions Free

Free - 25 cheque leaves per month if balance is less than 25,000

Cheque Book Free - 50cheque leaves per month if balance is more than 25,000
Additional cheque book of 25 leaves will be charged @ `75/- per cheque book.
Upto `10,000 - Nil
MC/ DD Issuance Above `10,000 - `5 per 1000 on entire amount (min `75/- & max `10,000)
NEFT/ RTGS (Online) Free
Amounts up to `10,000 - `2.5 per transaction
Amounts from `10,001 to `1 lakh - `5 per transaction\
NEFT/ RTGS (Branch)
Amounts above `1 lakh up to `2 lakh - `15 per transaction
Amounts above `2 lakh – `25 per transaction
Amount upto `1 to `1,00,000 ---- `5/- per transaction
IMPS
Amount above `1,00,001 to `2,00,000 ---- `15/- per transaction
NetBanking/ MobileBanking Free
Passbook issuance Free
(Home branch–Individuals) Duplicate passbook issuance: `100/-
Due to insufficient funds - Each cheque return will be charged for `500 /-
Cheque return charges drawn Charges due to funds transfer cheque return - `350/-
on us - Local Due to technical reasons - `50/- per instance.
Cheques deposited-Returned Unpaid `200/- per instance
ECS / ACH (Debit) `500/- + taxes per instance
Return Charges
Upto 14 days - Nil
Account Closure
15 days upto 12 months - `500/- ( `300/- for Senior Citizens)
(from account opening date
Beyond 12 months – Nil
Activation of dormant account No charges
InstaAlert `15 per quarter, effective 1st April 2013 (plus taxes as applicable)
P10
 Overdraft Against
Fixed Deposit Current Account
(Product Code 1149)

This current account presents the following features:

• Minimum Fixed deposit amount to be `25,000 for minimum tenure of 6 months and 1 day
• Standard pricing for all OD against Fixed deposit will be @ FD+2%
• Zero Balance current account until the tenure of limit, on expiry of the limit `10,000 AQB requirement will be
automatically applicable.
Features
• Deposit up to 2 lacs cash free per month OR 25 txns (whichever is breached first) at HDFC Bank Home
Branches
• Free local/intercity cheque collection & payment within HDFC Bank Branch locations
• Get instant alerts on your transactions through our InstaAlert service
Non Cash Services
• Free local or intercity cheque collection and payments across all HDFC Bank locations.
• Free transfer of funds across cities between HDFC Bank accounts.
• Free Demand Drafts (DD) and Pay Order for values above `100, 000. For DD's up to `50, 000 there will be
a charge of `40. DD's above `50, 000 and below `100, 000 a charge of `25 will be levied.
• Free collection of funds through RTGS and NEFT
• Payable-at-par cheque book at a nominal price.
High Transaction Amounts
Free Cash Deposits up to Rs. 2 lacs per month* across all HDFC Bank Branches in the city.
Easy Banking
• InstaAlert - Get updates on the account.
• Door Step Banking - cash and cheque picks and cash deliveries can be arranged at doorstep. This will be done
through a reputed agency.
• 24 hour Phone Banking, Net Banking and MobileBanking to check the account transaction details, the status of
cheques and stop cheque payments.

P11
Enclosed below are HDFC Bank Overdraft against Fixed Deposit Current Account fees and charges
Features OD against FD Current Account
Average Quarterly Balance (AQB if OD against `10,000/- (Across all locations)
FD is closed)
Non-Maintenance Charges (per quarter) `1,500/-
CASH TRANSACTIONS
Cash Deposit Limit @ Home Location - Free upto `2 lacs per month or 25 txns
(whichever is breached first) Charges @ `3/- per
Monthly Limit
`1,000/-, minimum `50/- per txn beyond free limits
Cash Deposit Limit @ Non-Home Location - No free limit
Monthly Limit Charges @ `3.5/- per `1,000/-, minimum `50/- txn
Operational Limit for Cash Deposit @Non-Home
`10,000/-
Branch (per day)
Cash Withdrawal Limit @ Home Branch Free
No free limit
Cash Withdrawal Limit @ Non Home Branch Charges @ `2/- per `1,000/-, minimum `50/- txn
NON - CASH TRANSACTIONS
Intercity Cheque Collection/Payments & Fund Transfer Free
Bulk Transactions (count of all Cheque clearing and Free upto 50 txns
Fund Transfer transactions) - Monthly Free Limit Charges @ `10/- per transaction beyond free limits
Cheque Leaves - Monthly Free Limit Charges @`2/- per leaf
Instrument Value upto `1 lac - No charges
Speed Clearing (per instrument charges)
Instrument value above `1 lac - `140/-
Outstation Cheque Collection @ Bank Location Upto `50,000 - `50/- `50,001 to `1,00,000 - `100/-
(per instrument charges) Above `1,00,000 - `150/-
Outstation Cheque Collection @ Correspondent Bank Upto `25,000 - `50/- `25,001 to `1,00,000 - `100/-
Location (per instrument charges) Above `1,00,000 -`150/-
Outstation cheque collection @ Clean Location Upto `25,000 - `50/- `25,001 to `1,00,000 - `100/-
(per instrument charges) Above `1,00,000 - `150/-
Demand Drafts (DD)/ Pay Orders (PO) Upto `50,000 - `40/- `50,001 to `1,00,000 - `25/-
@ Bank Location Above `1,00,001 - FREE
Charges @ `2/- per `1,000/- ; Minimum
Demand Drafts (DD) @ Correspondent Bank location
`50/- per instrument
ELECTRONIC TRANSACTIONS
Upto `1 lac – `2/- ; Above `1 lac – `10/-
NEFT payments
(Free through NetBanking)
RTGS payments Above `2 lac – `15/- (Free through NetBanking)
Upto `1 lac - `5/- per txn,
IMPS Payments
Above `1 lac – Upto `2 lac- `15/- per txn
NEFT / RTGS / IMPS Collections Free

P12
DEBIT CARD

Debit Cards No Free Debit Card

ATM Txns (@ HDFC Bank ATM) Unlimited Free

ATM Txns (@ Non- HDFC Bank ATM) No Free Limits, Charges @ `20/- per transaction
ACCOUNT CLOSURE CHARGES
Closure: Up to 14 days No Charge
Closure: 15 days to 6 months `500/-
Closure: 6 months to 12 months `250/-
Closure: Beyond 12 months No Charge

Note: In case if Overdraft against Fixed Deposit is closed, Cash deposit limits will lapse if Average Quarterly
Balance (AQB) maintained is less than 75% of required product AQB

P13
 Farmer Account
(Product Code 1151)

â Minimum Balance Requirement – ` 2,500 AHB (Half yearly balance requirement)

â Advantages / USP

• Higher Free Cash transaction limits of ` 5 Lakh at the Home Branch in Q1 & Q3 of Financial year

• No charges for Third Party Cash Transactions with upper limit of ` 25,000 per day

• Smart Buy- One Stop Shop for all your needs

• Free UPI, NEFT & RTGS transactions – Online mode to transfer funds from your HDFC Bank account

• Enjoy free transactions at ATMs per month–

• HDFC Bank ATMs: Free 5 financial transactions; Non-Financial Transactions - Free

• Non HDFC Bank ATMs: Free 5 transactions free (3 free in top 6 Metro cities**)

• Lounge Access – 2 per quarter charged at a nominal transaction fee of ` 2 per access. Charged at normal
rates thereafter

• Access a wide network of branches and ATMs across the country to meet all your banking needs

• All instant kits processing RuPay Premium Debit Card can be fungible with Farmers Account.

• Get free monthly account statements

â Health Cover

• Accidental Death Cover of upto ` 10 lakhs* for Rupay Debit Card holder subject to minimum 1 POS
transaction using debit card, within 30 days prior to the event date

P14
â RuPay Premium Debit Card

• Rupay Platinum Debit Card with 200+ exclusive offers & deals (Link for offers: https://www.rupay.co.in/
rupay-offers)

• 5 % Cash Back on Utility Bills paid using Debit Card up to `50 per month

• Daily Cash withdrawal limit of `25,000 & Daily Shopping Limit of `1.75 lakh on your RuPay Platinum Debit
Card

• No liability to any fraudulent Point of Sale transactions on the debit card, which take place up to 90 days prior
to reporting the card loss*

â Eligibility Criteria

• Resident Individual Farmers (sole or joint account) are eligible to open a Savings Farmers Account

• The Farmer accounts can be sourced for specific approved branches only

• This product variant will be restricted to only sourcing of Farmer Savings Accounts through SK Center and is
not available for sourcing by branch channel

• Premium Banking Programmes – Entry into the programmes is at the sole discretion of the Bank. HDFC Bank
reserves the right to change the benefits/services offered as part of the programme

â Premium Banking programmes

• Personalized attention from dedicated Relationship Manager

• Investment Services to help you make the right choice for your assets

• Relationship Pricing across products like loans, foreign remittances and much more

• Even your family members can enjoy these special privileges - we know that your family is important to you

â Loans & Investments

• Increase pre-approved limits for beneficiaries basis transactions done in account in first 6months*

• Complete suite of loan products to meet all customer requirements with quick processing

• Investments and Insurance solutions for secure future

• Widest range of Credit Cards to address every need

* Conditions apply
# Premium Banking Programs – Entry into the programs is at the sole discretion of the Bank. HDFC Bank
reserves the right to change the benefits/services offered as part of the program
** Top 6 cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs

P15
 Kisan Gold Card
(KGC)

Kisan Gold Card is finance to farmers for specified sum of money, towards his farm requirements like production of
crop, post-harvest, repair & maintenance and consumption need of the farmer. Funding is also done for purchase of
farm machinery, implements, irrigation equipment, construction of storage structures and allied activities etc.
Key features
a. Eligibility: Individual farmer/ Joint borrower. All major applicant up to age of 60 years, above 60 years legal heir
is mandatory
b. Type of facilities:
i. Cash Credit/Over draft: To meet crop production cost & expenses towards consumption, post-harvest
expenses and repair & maintenance
ii. Term Loan: For investment purpose like land development, purchase of farm implement, Irrigation
equipment etc.
c. Quantum of finance: Quantum of finance for cash credit is based up on land under cultivation, cropping pattern
& scale of finance. Term Loan amount is based on assessment of actual requirement with appropriate margin
contribution.
d. Security:
i. Primary: Hypothecation of crop & assets created out of bank finance
ii. Collateral: Mortgaged of agricultural land/Urban Property/Liquid security
iii. Guarantor is mandatory with worth equal to or > applied loan amount.
e. Tenure: Five year
f. Other Benefit:
i. Issuance of Rupay Farmer Platinum debit card for hassle free transaction.
ii. Payable at par cheque book
iii. Free Personal accidental insurance coverage of farmer, up to Rs. 2,00,000/-,
iv. Crop Insurance available for all notified crop under Pradhan Mantri Fasal Bima Yojana,
g. Documentation:
i. Application Form
ii. KYC of Borrower/Co-borrower/Guarantor
iii. Copy of Land records
iv. Copy of Govt. land rate of agriculture land
v. Latest updated passbook/bank statement
P16
 Tractor Loan

Tractor Loan is a loan given for purchase of a new tractor. It is a loan provided for fulfilling the tractor buying needs of
a customer. Tractor loan can be availed by paying Monthly, Quarterly or Half-yearly installments against availed
loan amount.
Key features
a. Eligibility:
The following people are eligible to apply for a New Tractor Loan:
Farmer / Agriculturist:
A person who has an art, and business of cultivating soil, producing crops, and raising livestock in farming,
basically an expert in agriculture field.
Non Farmer / Self Employed:
A person who works for himself and earns the income by doing a trade or business that he operates by himself.
Salaried Individual:
A person who earns a fixed amount of money month on month as compensation by his/ her employer
b. Criteria:
Age - 18 – 60 years
Minimum Annula income - ₹ 1 lakh (for Farmers) & ₹ 1.5 lakhs (for Non Farmers segment)
c. Quantum of finance:
Avail of loans up to `2.5 crore on a wide range of used Tractors and multi-utility vehicles Get between 3 to 6
times your yearly income, and borrow up to 100% of the value of the Tractor* *Age of Tractor at loan maturity
should not cross 10 years, subject to maximum loan tenure of 60 months
d. Flexible Repayment Tenure:
Flexible repayment tenures from 12 months to 84 months
e. Other Benefits:
Unmatched service
Benefit from end-to-end advisory -- from research to title transfer. Get personalized help to choose a Tractor
that meets your specific needs. Enjoy preferential pricing if you are a HDFC Bank customer. Avail of
customized and convenient repayment plans with pocket-friendly EMIs.

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 Quick and easy Processing and approval
Experience transparent hassle-free processing, quick approvals and speedy disbursals Track your application
anytime, anywhere. Get status updates about your loan application at every stage. Enjoy doorstep service and
quick and easy documentation.
f. Documentation:
Salaried Individuals:
• Any of the following identity proof documents:
• Aadhar Card
• Passport
• PAN Card
• Voters ID Card
• Driving License (recent, legible, laminated)
• Latest salary slip and Form 16 as income proof
• Any of the following documents as address proof:
• Aadhar Card
• Ration Card
• Driving License (recent, legible, laminated)
• Voters ID Card
• Passport Copy
• Telephone Bill
• Electricity Bill
• Life Insurance Policy
• Bank statement of the previous 6 months
Self Employed Individuals (Sole Proprietorship):
• Any of the following identity proof documents:
• Aadhar Card
• Passport
• PAN Card
• Voters ID Card
• Driving License (recent, legible, laminated)
• Latest Income Tax Returns (ITR) as income proof
• Any of the following documents as address proof:
• Aadhar Card
• Ration Card
• Driving License (recent, legible, laminated)
• Voters ID Card
• Passport Copy
• Telephone Bill
• Electricity Bill
• Life Insurance Policy
• Bank statement of the previous 6 months

P18
Self Employed Individuals (Partnership Firms):
• All the following documents as income proof:
• Audited Balance Sheet
• Profit & Loss Account of the previous 2 years
• Company ITR for the previous 2 years
• Any of the following documents as address proof:
• Telephone Bill
• Electricity Bill
• Shop & Establishment Act Certificate
• SSI Registered Certificate
• Sales Tax Certificate
• Bank statement of the previous 6 months
Self Employed Individuals (Private Limited Companies)
• All the following documents as income proof:
• Audited Balance Sheet
• Profit & Loss Account of the previous 2 years
• Company ITR for the previous 2 years
• Any of the following documents as address proof:
• Telephone Bill
• Electricity Bill
• Shop & Establishment Act Certificate
• SSI Registered Certificate
• Sales Tax Certificate
• Bank statement of the previous 6 months
Self Employed Individuals (Public Limited Companies):
• All the following documents as income proof:
• Audited Balance Sheet
• Profit & Loss Account of the previous 2 years
• Any of the following documents as address proof:
• Telephone Bill
• Electricity Bill
• Shop & Establishment Act Certificate
• SSI Registered Certificate
• Sales Tax Certificate
• Bank statement of the previous 6 months

P19
 Home Loans

Home Loans are available for:

Purchase from Builders / Resale / From Society & Development Authorities (DDA, MHADA, CIDCO)
Balance Transfer: Balance Transfer Loans can be given to salaried and self-employed. Take-over can be from any
Banks / Housing Finance Companies
Home Extension Loan / Home Improvement Loan
Top Up Loans: Loan against the mortgage of existing property. Purpose: Higher Education, Purchase of Furniture,
Business Requirements, etc. Upper cap for Top Up is `50 lacs. No restriction on number of live top-up loans as
long as total disbursed amount to a customer does not exceed 50 lacs. The maximum term can be up-to 180
months.
NRI Loan: HDFC offers the widest range of home loan products & services to suit the unique requirements of Non -
Resident Indians (NRIs) and Persons of Indian Origin (PIOs) including Home Loans for properties anywhere
across India.

Loan to Value (LTV): Loan Approval Ratio

Individual Housing Loans up to `30 Lac: 90%
Above `30 lacs and up to `75 lacs: 80%
Above `75 lacs:75%
*The aforementioned Maximum funding is subject to value of the property & repayment capacity of the customer
and will exclude stamp duty, registration and all other documentation charges applicable for processing the loan.

Profiles:
Salaried, Self Employed, Self Employed Professional – CA, CS, Architect, Doctors
Income Eligibility:
Income of around 15000 per month

Minimum Loan Amount: Self Employed: 5 Lacs.

Tenure : 20 Years (30 Years Maximum)
Minimum age at the time of loan application: 21 Years
ROI: Loan under adjustable rate is linked to HDFC's Retail Prime Lending Rate (RPLR and fluctuate according to
the movement in RPLR.
Tax Benefit Under Sec. 88C and Sec. 24.
P20
 Affordable Housing Scheme – Central Govt Scheme Target 50m houses
under Housing for All by 2022
Urban
Scheme launched in Jun'15 for EWS / LIG (economically weaker sections / low income group)
Scope increased to cover MIG in Mar'17 20m homes by 2022. `1000 Crores allocated under subsidy scheme
till 31st Dec

Rural
Earlier Avatar Indira Avas Yojana
Revamped scheme launched in Nov'16 as PMAY-Gramin
30m homes by 2022

Affordable Housing details:

Low Income
Income Eligibility: 6 lacs
Loan Eligibility: 6 lacs
Size of house (carpet): 60 sq metre / 646 sqft.
Interest Subsidy: 6.5%

Middle Income I
Income Eligibility: 6 to 12 lacs
Loan Eligibility: 9 lacs
Size of house (carpet): 160 sq metre / 1722 sqft.
Interest Subsidy: 4%

Middle Income II
Income Eligibility: up to 18 lacs
Loan Eligibility: 12 lacs
Size of house (carpet): 200 sq metre / 2153 sqft
Interest Subsidy: 3%

Govt. subsidy to be extended to 1st time home buyer. Earning children staying with parents can also avail this
scheme

Document Checklist
Salaried Self Employed Professional Self Employed Businessman
Application form with Photograph Application form with Photograph Application form with Photograph

Identity & Residence Proof Identity & Residence Proof Identity & Residence Proof
Educational qualifications certificate &
Latest Salary Slip Educational qualifications certificate &
Proof of business existence &
Proof of business existence
Business Profile
Last 3 Years income tax returns Last 3 years income tax returns
Form-16
(Self & Business) (Self & Business)
Last 3 years Profit/Loss & Balance sheet Last 6 months bank statements
Last 6 months bank statements (Self & Business)
& Last 6 months bank statements
Processing Fee Cheque Processing Fee Cheque Processing Fee Cheque

This is an indicative list and additional documents may be required on case to case basis

P21
 Government
Salary Account
(Product Code 1138)

Advantages
Ø Zero Balance Savings Account to the customer

Ø Fast and efficient account opening process

Ø Access to all HDFC Bank branches and ATMs on a real-time online basis

Ø Convenience of 'anywhere banking' at all our branches, Access to other bank ATMs across the country

Ø Complete suite of loan products to meet all your requirements with quick processing

Ø Widest range of Credit Cards – we have a card to address every need

Ø Free Personal Accident Death cover upto `2 lakhs*

Ø Avoid filling lengthy forms - simply transfer your funds Online from salary account to Public Provident Fund
(PPF) Account

Ø Additional tax benefits backed by superior returns - Signup for NPS account today

Ø Premium Banking –A World of customized solutions taken care of by your own relationship Manager

Ø Investments and Insurance solutions – for a secure future for you and your loved ones

Ø Comprehensive and secure online banking platforms that can be accessed 24x7. Now bank from wherever
you are, whenever you want.

Ø SMS Banking

* Conditions apply

** Top 6 cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs

P22
 Government
Salary Account
(Product Code 1184)
Advantages
Ø Zero Balance Savings Account to the customer
Ø Fast and efficient account opening process
Ø Access to all HDFC Bank branches and ATMs on a real-time online basis 4,804 Branches and 12,808 ATMs in
2,666 Indian towns and cities
Ø Convenience of 'anywhere banking' at all our branches, Access to other bank ATMs across the country
Ø Complete suite of loan products to meet all your requirements with quick processing
Ø Widest range of Credit Cards – we have a card to address every need
Ø Free Personal Accident Death cover upto `5 lakhs*
Ø Avoid filling lengthy forms - simply transfer your funds Online from salary account to Public Provident Fund
(PPF) Account
Ø Additional tax benefits backed by superior returns - Signup for NPS account today
Ø Premium Banking –A World of customized solutions taken care of by your own relationship Manager
Ø Investments and Insurance solutions – for a secure future for you and your loved ones
Ø Comprehensive and secure online banking platforms that can be accessed 24x7. Now bank from wherever
you are, whenever you want.
Ø Missed Call and SMS Banking
Product Features
Ø Free Personal Accident Death Cover of `5 lakhs on the salary account
Ø Access to HDFC Bank ATMs across the country - Maximum of 5 transactions free in a month
Ø Access to other Bank ATMs across the country - Maximum of 5 transactions free in a month with a cap of
Maximum 3 free transactions in Top 6 Cities**
Ø Free Demand Drafts up to `25,000 per instrument payable at HDFC Bank branch locations
Ø Free Millennia Debit Card for the primary holder
Ø Zero Liability on fraudulent usage on lost or stolen cards on Point of Sale transaction, a maximum of `4 lakh
per card
Ø Transfer funds to accounts in any bank in India free through NEFT and RTGS on Netbanking
Ø Free personalized Payable at par Chequebook of 25 Cheque leaves per year
P23
Ø Option of free Account Statements on Email and free Passbook facility
Ø Option of Reimbursement Account linked to the same debit card
Ø Free Zero Balance Salary Family Account with customized features similar to the main salary account
Ø Access to other bank ATMs across the country – same as main salary account
Ø Free Millennia Debit Card for the primary applicant

Eligibility Criteria
• All customers eligible for opening government salary savings account.
* Conditions apply
** Top 6 cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs

*******************************************************************************************************************************

P24
 Government
Salary Account
(Product Code 1185)
Advantages
Ø Zero Balance Savings Account to the customer
Ø Fast and efficient account opening process
Ø Access to all HDFC Bank branches and ATMs on a real-time online basis 4,804 Branches and 12,808 ATMs in
2,666 Indian towns and cities
Ø Convenience of 'anywhere banking' at all our branches, Access to other bank ATMs across the country
Ø Complete suite of loan products to meet all your requirements with quick processing
Ø Widest range of Credit Cards – we have a card to address every need
Ø Free Personal Accident Death cover upto `10 lakhs*
Ø Avoid filling lengthy forms - simply transfer your funds Online from salary account to Public Provident Fund
(PPF) Account
Ø Additional tax benefits backed by superior returns - Signup for NPS account today
Ø Premium Banking –A World of customized solutions taken care of by your own relationship Manager
Ø Investments and Insurance solutions – for a secure future for you and your loved ones
Ø Comprehensive and secure online banking platforms that can be accessed 24x7. Now bank from wherever
you are, whenever you want.
Ø Missed Call and SMS Banking
Product Features
Ø Free Personal Accident Death Cover of `10 lakhs on the salary account
Ø Access to HDFC Bank ATMs across the country - Maximum of 5 transactions free in a month
Ø Access to other Bank ATMs across the country - Maximum of 5 transactions free in a month with a cap of
Maximum 3 free transactions in Top 6 Cities**
Ø Free Demand Drafts up to `25,000 per instrument payable at HDFC Bank branch locations
Ø Free Platinum Debit Card for the primary holder
Ø Zero Liability on fraudulent usage on lost or stolen cards on Point of Sale transaction, a maximum of `4 lakh
per card
Ø Transfer funds to accounts in any bank in India free through NEFT and RTGS on Netbanking
Ø Free personalized Payable at par Chequebook of 25 Cheque leaves per year

P25
Ø Option of free Account Statements on Email and free Passbook facility
Ø Option of Reimbursement Account linked to the same debit card
Ø Free Zero Balance Salary Family Account with customized features similar to the main salary account
Ø Access to other bank ATMs across the country – same as main salary account
Ø Free Platinum Debit Card for the primary applicant

Eligibility Criteria
• All customers eligible for opening government salary savings account
* Conditions apply
** Top 6 cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs

P26
 Government
Savings Account
(Product Code 1205)
Eligibility Criteria:
Ø Any entity which directly gets grants / funds from Central or State government for implementation of various
programmes / Schemes can only open a Government Saving Account with the bank.
Ø Government departments / bodies / agencies in respect of grants/ subsidies released for implementation of
various programmes / Schemes sponsored by Central Government / State Governments subject to production
of an authorisation from the respective Central / State Government departments to open savings bank account

Features/ Benefits of Government Savings accounts are as follows:

Ø Zero Balance Savings Account to the customer
Ø Free & unlimited demand drafts at HDFC Bank locations
Ø Payable at Par cheque book with no usage charges
Ø Free outstation cheque collection at HDFC locations across the country
Ø Manage collection of fees, donations etc through various online modes by linking this account with our payment
gateway, POS terminals, payment kiosk etc
Ø Online payments like salary, vendor payments etc can be facilitated through our corporate payment software,
Enet.
Ø Easy banking with facilities like Net banking, Phone banking & Mobile banking that allow you to check your
account balances, pay utility bills or even stop cheque payments via SMS.
Ø Free monthly account statements or one can opt to avail daily/ weekly/ monthly statements on email
Ø Free insta alerts
Ø Fast and efficient account opening process
Ø Access to all HDFC Bank branches and ATMs on a real-time online basis 4,804 Branches and 12,808 ATMs in
2,666 Indian towns and cities
Ø Complete suite of loan products to meet all your requirements with quick processing
Ø Business Debit Card for the Authorised Signatories
Ø Cash Transaction at account branch: Self / Third party: Free
Ø Cash Transaction at non-account branch: Self

P27
 • Free Cash Deposits upto `50,000 per day
• Free Cash Withdrawals upto `50,000 per day
Ø Cash transaction at non-account branch: Third party
• Free Cash transaction limit of `5,00,000
Ø Sweep in Facility- Link your Fixed Deposit to your Savings/Current Account and use it to fall back in case of
emergencies
Ø Overdraft against Fixed Deposits - You can also avail for our OD against FD's for any emergencies.
Ø COLLECTIONS
Online Collection through SMART HUB
Offline Collection through Doorstep Banking
Ø TAX Collection
§ Online Collection of TAX through SMART HUB
§ Offline Collection of TAX through Doorstep Banking
Ø UPI Solutions
§ Send Bulk Collect Request for collection of TAXES etc.
§ Pay via UPI ID directly through Govt Website or application
§ SMART HUB based UPI solutions for collecting bulk money
Ø Bulk RTGS facility
We can make payments to beneficiaries through Bulk RTGS. This enables transfer of funds from your
Department's account directly to the account of the beneficiary held with any Bank.
Ø Bulk Cheque / DD printing
We can also provide you with the traditional mode of payments through cheques. This mode can also be
made simple and hassel free with our Cash Management Services team.

Schedule of Charges
Description of Charges Government/Institutional Savings Account
Minimum Balance Zero
(Average Monthly Balance)
Charges on non maintenance thereof NIL
Cheque Book Free
Account Statements – Free Monthly statements sent by post
Issue of duplicate / adhoc • Soft Copy -
statements • Last 5 years statement through NetBanking - No charge
• eStatement on registered E-mail ID - No charge
• Physical copy -
• Branch - `100/-
• PhoneBanking (Non IVR) - `75/-
• PhoneBanking (IVR), NetBanking, MobileBanking, & ATM - `50/-
Hold Statement `400 per year

P28
 DD/MC Issuance Charges Through Branch
Amount Managed Non
Slab Classic Preferred Imperia Managed

0-10000 NIL NIL NIL 50

>10K-50000 NIL NIL NIL
>50K-100000 NIL NIL NIL
>100000 `3/- per `3/- per `3/- per
1000 or part 1000 or part 1000 or part
thereof (min thereof (min NIL thereof (min
Managers Cheques/Demand `75/- & `75/- & `75/- &
max `10K) max `10K) max `10K)
Drafts- Issuance/Re-issuance -
On HDFC Bank Locations Only DD amount upto `100,000 for Preferred/Imperia & `50,000
for other customers accepted at PhoneBanking
DD request through NetBanking
Free + Corr Bank charges if applicable
Third party DD* upto `1 Lakhs - Free + Corr Bank charges if applicable
(*Third Party Registration required .Customers registered for Third Party
Transfers have a maximum limit of 10 lacs per cust id and hence can issue
multiple DDs of 1 lacs upto 10 lacs and send it to the beneficiary address
** Only DD amount upto `100,000 for Preferred & `50,000 for other
customers accepted at Phonebanking )
Managers Cheque/Demand Drafts -
Nil
Cancellation / Revalidation
`50 plus charges as outlined below:
Upto `500 `10
Above `500 to `1000 `15
Demand Drafts- Issued - Above `1000 to `5000 `25
On Non HDFC Bank Locations
Above `5000 to `10,000 `30
Above `10,000 to `1 Lakh `3 per 1000 or part thereof
`6 per 1000 or part thereof
Above `1 Lakh (Min `300 - to Max `10,000/-)
Cheque Collection -
Free
Local Clearing Zone
Collection of outstation cheques -
Free
our bank locations
Charges for cheques drawn on Non-Branch locations Trust Account
Upto `10,000 `25/-
Collection of outstation cheques -
`10,000/- to `1,00,000/- `100/-
other locations
`1,00,001/- and above `150/-
Cheques drawn on Speed clearing branches - Free
For the first instance in a quarter - `350/-
Charges due to funds transfer cheque return - `350/-
Cheque return charges drawn 2nd instance & above in the same quarter - `750/-
on us - Local
Due to Technical reasons ( eg - date not mentioned, post dated,
sign mismatch etc) - `50/- per instance.
Cheques deposited returned unpaid `100/-
Balance Enquiry - at Branch Free
P29
Balance Certificate Current year - Free, Previous year - `50
Interest Certificate `50
TDS Certificate Free
Upto 14 days - Nil
Account Closure 15 days upto 6 months - `500/-
(from account opening date) 6 months upto 12 months - `500/-
Beyond 12 months - Nil
Photo Attestation `100/- per instance
Signature Attestation Nil
Address Confirmation `50/- per instance
Particular Cheque - `50 (Free through PhoneBanking & NetBanking),
Stop Payment Charges
Range of Cheques - `100 (Free through PhoneBanking & NetBanking)
Setting up charges: Nil,
Standing Instructions
`25 per transaction plus remittance charge
Unarranged overdraft NA
Old records/copy of paid cheques Upto 1 year - `50 per record, Above 1 year - `100 per record
Activation of dormant account No charges
Branch transactions (Includes only
Cheque deposit/Cheque issuance/
Funds Transfer Debit/NEFT/RTGS)
(Charges over and above standard
remittance charges for Fund Transfer / Free
NEFT / RTGS .Remittance charges
applicable starting first transaction
onwards)
Interbranch transactions (transaction
at non account branch) through teller Free
counters - Funds Transfer
Cash deposit value upto `50,000/- per day - No charge
Cash Withdrawal value upto `50,000/- per day- No charge
Interbranch transactions (transaction Above `50,000/- charge of `5/- per `1,000/- on the full amount
at non account branch) through teller
counters - Cash transactions W.e.f 1 June 2015 the above charge is being revised as follows:
Cash transactions Upto `5 lac free Above `5 lac a charge
of `5/- per 1,000/- will be levied on the full amount
Third party cash transactions at non- Upto `5 lac free Above `5 lac a charge of
home branches through teller counters `5/- per 1,000/- will be levied on the full amount
Local Cheque deposited No Charge
for outstation accounts
PhoneBanking - IVR Free
PhoneBanking - Non IVR Free
InstaPay `10 (plus taxes) per transaction
InstaAlert `25 (plus taxes) per qtr per account
Visa Money Transfer `5 (plus taxes) per transaction
NEFT Charges - Inward NIL
• Amounts up to `10,000 - `2.5 (exclusive of taxes) per transaction
• Amounts from `10,001 to ` lakh - `5
NEFT Charges- outward
(exclusive of taxes) per transaction
• Amounts above `1 lakh up to `2 lakh - `15
(exclusive of taxes) per transaction
• Amounts above `2 lakh – `25 (exclusive of taxes) per transaction P30
 Customers having NSBL*A/c - `20/-
NEFT Charges for
Customers having Non-NSBL* A/c: Upto `5,000 - `70/-
Indo Nepal transactions
Above `5,000 - `95/- * Nepal State Bank Ltd
• `1 lakh to 2 Lakhs – Free
RTGS - Outward • Above `2 Lakhs to 5 Lakhs - `25 (exclusive of taxes) per transaction
• Above `5 Lakhs - `50 (exclusive of taxes) per transaction
RTGS - Inward NIL
MobileBanking NIL
NetBanking Free
- `350/- would be levied on first instance of ECS return in a quarter.
ECS / ACH (Debit) Return Charges
- `750/- would be levied, second instance onwards in the same quarter
Any Deliverable returned by courier
due to negative reasons
`50/- per instance
(no such consignee/ consignee
shifted and no such address)

TIN/IPIN Regeneration
(requests received at the branch `50/- per instance
for physical dispatch)
Standing Instructions rejects `200/- per instance

P31
 Government
Current Account
(Product Code 1206)
Eligibility Criteria:
Ø Government departments/ local bodies/ agencies/ local authorities/ govt undertakings to open a current
account if the account is being opened for regular operations/ transactions

Features/ Benefits of Government Current accounts are as follows:

Ø Zero Balance Account.
Ø Free local and anywhere fund transfer facility within HDFC Bank.
Ø Free local and anywhere cheque payment facility.
Ø Free anywhere cheque collection facility.
Ø Free bulk transaction of 300 transactions per month.
Ø Free Outstation cheque collection at Bank location.
Ø Free cash deposition at home location of `50 lacs per month or 50 transactions, whichever is lower.
Ø Free cash withdrawal at Home Branch.
Ø Free DD/PO payable at Bank location.
Ø Free collections through RTGS / NEFT.
Ø Free 500 payable at par cheque leaves per month.
Ø Manage collection of fees, donations etc through various online modes by linking this account with our
payment gateway, POS terminals, payment kiosk etc
Ø Online payments like salary, vendor payments etc can be facilitated through our corporate payment
software, Enet.
Ø Easy banking with facilities like Net banking, Phone banking & Mobile banking that allow you to check your
account balances, pay utility bills or even stop cheque payments via SMS.
Ø Free monthly account statements or one can opt to avail daily/ weekly/ monthly statements on email
Ø Free insta alerts
Ø Fast and efficient account opening process
Ø Access to all HDFC Bank branches and ATMs on a real-time online basis 4,804 Branches and 12,808
ATMs in 2,666 Indian towns and cities
Ø Complete suite of loan products to meet all your requirements with quick processing
Ø Business Debit Card for the Authorised Signatories

P32
Ø Sweep in Facility- Link your Fixed Deposit to your Savings/Current Account and use it to fall back in case of
emergencies
Ø Overdraft against Fixed Deposits - You can also avail for our OD against FD's for any emergencies
Ø COLLECTIONS
Online Collection through SMART HUB
Offline Collection through Doorstep Banking
Ø TAX Collection
• Online Collection of TAX through SMART HUB
• Offline Collection of TAX through Doorstep Banking
Ø UPI Solutions
• Send Bulk Collect Request for collection of TAXES etc.
• Pay via UPI ID directly through Govt Website or application
• SMART HUB based UPI solutions for collecting bulk money
Ø Bulk RTGS facility
We can make payments to beneficiaries through Bulk RTGS. This enables transfer of funds from your
Department's account directly to the account of the beneficiary held with any Bank.
Ø Bulk Cheque / DD printing
We can also provide you with the traditional mode of payments through cheques. This mode can also be made
simple and hassel free with our Cash Management Services team.

Schedule of Charges
Description of Charges Current Account
Balance Requirement
Average Quarterly Balance Nil
Cash Transactions
Cash Deposit
Free upto `50 lac per month or 50 transaction, whichever
Cash Deposit-Home Branch City is lower; Deposits in excess will be charged at `4/- per
`1000/-; minimum of `50/- per transactions

Charges at `3.5/- per `1000/-; minimum of

Cash Deposit- Non-home Branch City
`50/- per transactions

Operational limit for Cash Deposit - Maximum `1, 00,000/- per account per day.
Non Home Branch
Cash Withdrawal
Cash Withdrawal-Home Branch Free
Free cash withdrawal up to `1, 00,000/- per day beyond
which charges @ `2/1000, min Rs.50/- per transaction;
Cash Withdrawal-Non Home Branch Third party cash withdrawal allowed only up to maximum
`50,000/- per transaction.

Local Transactions
Local cheques collections & payments Free
Account to Account Fund Transfer
Free
within HDFC Bank
P33
Intercity Transactions (except Dahej)
Account to Account Fund Transfer
Free
within HDFC Bank
Intercity Cheque Payments
Free
at HDFC Bank Locations
Intercity Cheque Collections
Free
at HDFC Bank Locations
Bulk Transaction Charges (includes all All transactions (clearing and Fund transfer) are subject to
clearing and Account to Account a maximum of 300 transactions per month, beyond which
Fund Transfer transactions) charges @ `10/- per transaction would be levied.
Outstation Cheque Collection & Speed Clearing
Outstation Cheque Collection
Free
at HDFC Bank Locations
Up to `10,000/- charged at `50/- per instrument
Outstation Cheque Collection at Clean Above `10,000/- and up to `1,00,000/- charged at
Location and Correspondent Bank Locations `100/- per instrument
Above `1,00,000/- charged at `150/- per instrument
Outstation Cheque Collection through
Free
Speed Clearing
Cheque Book Charges
Cheque Book Charges (Payable at Par
Cheque Book) ( Customer can request for
Free 500 cheque leaves per month. Charges
maximum 100 cheque leaves through
`2/- per leaf beyond 500 leaves
NetBanking. For requests above 100 cheque
leaves customer needs to visit the branch.)
Remittance facility through own Bank
Demand Drafts (DD) payable
at HDFC Bank Locations Free
(Issued from any branch)
Pay Orders (PO) payable at HDFC Bank
Free
Locations (Issued from any branch)
DD/PO-Cancellation/Revalidation `100/- per instrument
NEFT Transactions :
Payments (At branch) Upto `1 Lakh - `2 + GST; Above `1 Lakh - `10 + GST
Collections Free
RTGS Transactions
Payments (At branch) Above `2 Lakh - `15 + GST
Collections Free
NEFT/RTGS payments are free through netbanking
Other Institutional Current Account facilities
Monthly Account Statement Free
Duplicate/Adhoc Statement
`50/- per statement through ATM/Mobile Banking/
Requests through Direct Banking Channels
NetBanking and Phone Banking (IVR)
P34
 `100/- per statement through Branch; `75/- per
At branch or PhoneBanking (Non-IVR)
statement through Phone Banking (Non-IVR)
Hold Statement Facility `400/- per year
Bouncing of cheques- Local
Cheques Drawn on us
Up to 2 instruments per month - `500 per instrument ;
Due to Insufficient Funds On 3rd instrument onwards - `750 per instrument
Due to Technical Reasons No Charge
Local Cheque: `100 per instrument and Outstation
Cheques Deposited Returned Unpaid
Cheque: `150 per instrument
Doorstep Banking *
Cash Pickup Charges (within municipal city limits)
Cash Pickup upto Rs 1 lac `150/- per pickup
Cash Pickup beyond Rs 1 lac and upto `200/- per pickup
Rs 2 lac
Cash Pickup beyond Rs 2 lac and upto `300/- per pickup
Rs 3 lac
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager
Miscellaneous
Balance enquiry `25/-
TDS Certificate Free
Balance Confirmation Certificate `50/-
Interest Certificate `50/-
Cheque Status per instance `25/-
Photo Verification `100/- per instance
Address Confirmation `100/- per instance
Signature Verification `100/- per instance
Setting up of Standing Instructions Nil
Any deliverable returned by courier due to
negative reasons (no such consignee/ `50/- per instance
consignee shifted and no such address)
TIN/IPIN Regeneration (requests received
`50/- per instance
at the branch for physical dispatch)
SI rejects Upto 3 return-350/instance 4th return onward 750/instance
Old Records / Copy of Paid Cheque
Upto 1 Year `50 per record
Above 1 Year `100 per record
Common Charges for Debit / ATM Cards
Replacement of damaged card Free
Replacement of lost card `200/-
Copy Retrieval Request `100/-
Re-Issuance of PIN `50/- (plus taxes)
P35
ATM Usage:
Transacton TypeHDFC Bank ATMs Balance InquiryCash Withdrawal
Non-HDFC Bank ATMs Free Free

Domestic On all transactions ( Financial + Non financial ), Charges

applicable @`20/- per transaction
International*
*The Bank will charge cross-currency
mark-up of 3.5% on foreign currency `25/- per transaction `125/- per transaction
transactions carried out on Debit Cards.
The exchange rate used will be the
VISA/Master Card wholesale exchange rate
prevailing at the time of transaction
Transaction Decline Charge `25/- per transaction
(at Non HDFC Bank ATM's)
Stop Payment Charges
Particular cheque `100/- (Free through PhoneBanking)
Range of cheques `250/- (Free through PhoneBanking)
Account Closure:
Up to 14 days No Charge
15 days to 6 months `500/-
6 months upto 12 months `250/-
Beyond 12 months No Charge
InstaAlert / Mobile Banking
Insta Alert Nil
Transactions through PhoneBanking:
ECS (Debit) Return Charges Upto 3 returns - `350/ instance
(Quarterly Charges) 4th return onward `750 /instance
Charges on all IMPS Outgoing transactions:
Slabs (Rs) Charges Exclusive of GST (Rs)
Up to 100,000 5
100,001 upto 200,000 15

P36
 Institutional
Savings Account
(Product Code 1207)
Eligibility Criteria:
Ø Trust/Associations/Societies/Clubs can open an Institutional Saving Account with the bank.
Features/ Benefits of Government Savings accounts are as follows:
Ø Zero Balance Savings Account to the customer
Ø Free & unlimited demand drafts at HDFC Bank locations
Ø Payable at Par cheque book with no usage charges
Ø Free outstation cheque collection at HDFC locations across the country
Ø Manage collection of fees, donations etc through various online modes by linking this account with our payment
gateway, POS terminals, payment kiosk etc
Ø Online payments like salary, vendor payments etc can be facilitated through our corporate payment software,
Enet.
Ø Easy banking with facilities like Net banking, Phone banking & Mobile banking that allow you to check your
account balances, pay utility bills or even stop cheque payments via SMS.
Ø Free monthly account statements or one can opt to avail daily/ weekly/ monthly statements on email
Ø Free insta alerts
Ø Fast and efficient account opening process
Ø Access to all HDFC Bank branches and ATMs on a real-time online basis 4,804 Branches and 12,808 ATMs in
2,666 Indian towns and cities
Ø Complete suite of loan products to meet all your requirements with quick processing
Ø Business Debit Card for the Authorised Signatories
Ø Cash Transaction at account branch: Self / Third party: Free
Ø Cash Transaction at non-account branch: Self
• Free Cash Deposits upto `50,000 per day
• Free Cash Withdrawals upto `50,000 per day
Ø Cash transaction at non-account branch: Third party
• Free Cash transaction limit of `5,00,000
Ø Sweep in Facility- Link your Fixed Deposit to your Savings/Current Account and use it to fall back in case of
emergencies
Ø Overdraft against Fixed Deposits - You can also avail for our OD against FD's for any emergencies. P37
Ø COLLECTIONS
Online Collection through SMART HUB
Offline Collection through Doorstep Banking
Ø TAX Collection
• Online Collection of TAX through SMART HUB
• Offline Collection of TAX through Doorstep Banking
Ø UPI Solutions
• Send Bulk Collect Request for collection of TAXES etc.
• Pay via UPI ID directly through Govt Website or application
• SMART HUB based UPI solutions for collecting bulk money
Ø Bulk RTGS facility
We can make payments to beneficiaries through Bulk RTGS. This enables transfer of funds from your
Department's account directly to the account of the beneficiary held with any Bank.
Ø Bulk Cheque / DD printing
We can also provide you with the traditional mode of payments through cheques. This mode can also be made
simple and hassel free with our Cash Management Services team.

Schedule of Charges
Description of Charges Government/Institutional Savings Account
Minimum Balance
(Average Monthly Balance) Zero
Charges on non maintenance thereof NIL
Cheque Book Free
Account Statements – Free Monthly statements sent by post
• Soft Copy -
• Last 5 years statement through NetBanking - No charge
• eStatement on registered E-mail ID - No charge
Issue of duplicate / adhoc statements • Physical copy -
• Branch - `100/-
• PhoneBanking (Non IVR) - `75/-
PhoneBanking (IVR), NetBanking, MobileBanking,
& ATM -`50/-
Hold Statement `400 per year
Managers Cheques/Demand Drafts-
Issuance/Re-issuance - DD/MC Issuance Charges Through Branch
On HDFC Bank Locations
Amount Managed Non
Slab Classic Preferred Imperia Managed

0-10000 NIL NIL NIL 50

Managers Cheques/Demand >10K-50000 NIL NIL NIL
Drafts- Issuance/Re-issuance - >50K-100000 NIL NIL NIL
On HDFC Bank Locations
>100000 `3/- per `3/- per `3/- per
1000 or part 1000 or part 1000 or part
thereof (min thereof (min NIL thereof (min
`75/- & `75/- & `75/- &
max `10K) max `10K) max `10K)
P38
 Only DD amount upto `100,000 for Preferred/Imperia & `50,000
for other customers accepted at PhoneBanking
DD request through NetBanking
Free + Corr Bank charges if applicable
Third party DD* upto Rs. 1 Lakhs - Free + Corr Bank charges if applicable
(*Third Party Registration required .Customers registered for Third Party
Transfers have a maximum limit of 10 lacs per cust id and hence can issue
multiple DDs of 1 lacs upto 10 lacs and send it to the beneficiary address
** Only DD amount upto `100,000 for Preferred & `50,000 for other
customers accepted at Phonebanking )
Managers Cheque/Demand Drafts -
Nil
Cancellation / Revalidation
`50 plus charges as outlined below:
Upto `500 `10
Above `500 to `1000 `15
Demand Drafts- Issued - Above `1000 to `5000 `25
On Non HDFC Bank Locations
Above `5000 to `10,000 `30
Above `10,000 to `1 Lakh `3 per 1000 or part thereof
`6 per 1000 or part thereof
Above `1 Lakh (Min `300 - to Max `10,000/-)
Cheque Collection -
Free
Local Clearing Zone
Collection of outstation cheques -
Free
our bank locations
Charges for cheques drawn on Non-Branch locations Trust Account
Upto `10,000 `25/-
Collection of outstation cheques -
`10,000/- to `1,00,000/- `100/-
other locations
`1,00,001/- and above `150/-
Cheques drawn on Speed clearing branches - Free
For the first instance in a quarter - `350/-
Charges due to funds transfer cheque return - `350/-
Cheque return charges drawn 2nd instance & above in the same quarter - `750/-
on us - Local
Due to Technical reasons ( eg - date not mentioned, post dated,
sign mismatch etc) - `50/- per instance.
Cheques deposited returned unpaid `100/-
Balance Enquiry - at Branch Free
Balance Certificate Current year - Free, Previous year - `50
Interest Certificate `50
TDS Certificate Free
Upto 14 days - Nil
Account Closure 15 days upto 6 months - `500/-
(from account opening date) 6 months upto 12 months - `500/-
Beyond 12 months - Nil
Photo Attestation `100/- per instance
Signature Attestation Nil
Address Confirmation `50/- per instance

P39
 Particular Cheque - `50 (Free through PhoneBanking & NetBanking),
Stop Payment Charges
Range of Cheques - `100 (Free through PhoneBanking & NetBanking)
Setting up charges: Nil,
Standing Instructions
`25 per transaction plus remittance charge
Unarranged overdraft NA
Old records/copy of paid cheques Upto 1 year - `50 per record, Above 1 year - `100 per record
Activation of dormant account No charges
Branch transactions (Includes only
Cheque deposit/Cheque issuance/
Funds Transfer Debit/NEFT/RTGS)
(Charges over and above standard
remittance charges for Fund Transfer / Free
NEFT / RTGS .Remittance charges
applicable starting first transaction
onwards)
Interbranch transactions (transaction
at non account branch) through teller Free
counters - Funds Transfer
Cash deposit value upto `50,000/- per day - No charge
Cash Withdrawal value upto `50,000/- per day- No charge
Interbranch transactions (transaction Above `50,000/- charge of `5/- per `1,000/- on the full amount
at non account branch) through teller
counters - Cash transactions W.e.f 1 June 2015 the above charge is being revised as follows:
Cash transactions Upto `5 lac free Above `5 lac a charge
of `5/- per 1,000/- will be levied on the full amount
Third party cash transactions at non- Upto `5 lac free Above `5 lac a charge of
home branches through teller counters `5/- per 1,000/- will be levied on the full amount
Local Cheque deposited No Charge
for outstation accounts
PhoneBanking - IVR Free
PhoneBanking - Non IVR Free
InstaPay `10 (plus taxes) per transaction
InstaAlert `25 (plus taxes) per qtr per account
Visa Money Transfer `5 (plus taxes) per transaction
NEFT Charges - Inward NIL
• Amounts up to `10,000 - `2.5 (exclusive of taxes) per transaction
• Amounts from `10,001 to `1 lakh - `5
NEFT Charges- outward
(exclusive of taxes) per transaction
• Amounts above `1 lakh up to `2 lakh - `15
(exclusive of taxes) per transaction
• Amounts above `2 lakh – `25 (exclusive of taxes) per transaction
Customers having NSBL*A/c - `20/-
NEFT Charges for
Customers having Non-NSBL* A/c: Upto `5,000 - `70/-
Indo Nepal transactions
Above `5,000 - `95/- * Nepal State Bank Ltd
• `1 lakh to 2 Lakhs – Free
RTGS - Outward • Above `2 Lakhs to 5 Lakhs - `25 (exclusive of taxes) per transaction
• Above `5 Lakhs - `50 (exclusive of taxes) per transaction
RTGS - Inward NIL
MobileBanking NIL
NetBanking Free

P40
 - `350/- would be levied on first instance of ECS return in a quarter.
ECS / ACH (Debit) Return Charges
- `750/- would be levied, second instance onwards in the same quarter
Any Deliverable returned by courier
due to negative reasons
`50/- per instance
(no such consignee/ consignee
shifted and no such address)

TIN/IPIN Regeneration
(requests received at the branch `50/- per instance
for physical dispatch)
Standing Instructions rejects `200/- per instance

P41
 Institutional
Current Account
(Product Code1208)
Eligibility Criteria:
Ø Trust/Associations/Societies/Clubs to open a current account if the account is being opened for regular
operations/ transactions

Features/ Benefits of Institutional Current accounts are as follows:

Ø Zero Balance Account.
Ø Free local and anywhere fund transfer facility within HDFC Bank.
Ø Free local and anywhere cheque payment facility.
Ø Free anywhere cheque collection facility.
Ø Free bulk transaction of 300 transactions per month.
Ø Free Outstation cheque collection at Bank location.
Ø Free cash deposition at home location of `50 lacs per month or 50 transactions, whichever is lower.
Ø Free cash withdrawal at Home Branch.
Ø Free DD/PO payable at Bank location.
Ø Free collections through RTGS / NEFT.
Ø Free 500 payable at par cheque leaves per month.
Ø Manage collection of fees, donations etc through various online modes by linking this account with our payment
gateway, POS terminals, payment kiosk etc
Ø Online payments like salary, vendor payments etc can be facilitated through our corporate payment software,
Enet.
Ø Easy banking with facilities like Net banking, Phone banking & Mobile banking that allow you to check your
account balances, pay utility bills or even stop cheque payments via SMS.
Ø Free monthly account statements or one can opt to avail daily/ weekly/ monthly statements on email
Ø Free insta alerts
Ø Fast and efficient account opening process
Ø Access to all HDFC Bank branches and ATMs on a real-time online basis 4,804 Branches and 12,808 ATMs in
2,666 Indian towns and cities
Ø Complete suite of loan products to meet all your requirements with quick processing
Ø Business Debit Card for the Authorised Signatoriess/Clubs to open a current account if the account is being
opened for regular operations/ transactions P42
Ø Sweep in Facility- Link your Fixed Deposit to your Savings/Current Account and use it to fall back in case of
emergencies
Ø Overdraft against Fixed Deposits - You can also avail for our OD against FD's for any emergencies.
Ø COLLECTIONS
Online Collection through SMART HUB
Offline Collection through Doorstep Banking
Ø TAX Collection
§ Online Collection of TAX through SMART HUB
§ Offline Collection of TAX through Doorstep Banking
Ø UPI Solutions
§ Send Bulk Collect Request for collection of TAXES etc.
§ Pay via UPI ID directly through Govt Website or application
§ SMART HUB based UPI solutions for collecting bulk money
Ø Bulk RTGS facility
We can make payments to beneficiaries through Bulk RTGS. This enables transfer of funds from your
Department's account directly to the account of the beneficiary held with any Bank.
Ø Bulk Cheque / DD printing
We can also provide you with the traditional mode of payments through cheques. This mode can also be
made simple and hassel free with our Cash Management Services team.
Schedule of Charges
Description of Charges Current Account
Balance Requirement
Average Quarterly Balance Nil
Cash Transactions
Cash Deposit
Free upto `50 lac per month or 50 transaction, whichever
Cash Deposit-Home Branch City is lower; Deposits in excess will be charged at `4/- per
`1000/-; minimum of `50/- per transactions
Charges at `3.5/- per `1000/-; minimum of
Cash Deposit- Non-home Branch City
`50/- per transactions
Operational limit for Cash Deposit - Maximum `1, 00,000/- per account per day.
Non Home Branch
Cash Withdrawal
Cash Withdrawal-Home Branch Free
Free cash withdrawal up to `1, 00,000/- per day beyond
which charges @ `2/1000, min `50/- per transaction;
Cash Withdrawal-Non Home Branch Third party cash withdrawal allowed only up to maximum
`50,000/- per transaction.
Local Transactions
Local cheques collections & payments Free
Account to Account Fund Transfer
Free
within HDFC Bank
P43
Intercity Transactions (except Dahej)
Account to Account Fund Transfer
Free
within HDFC Bank
Intercity Cheque Payments
Free
at HDFC Bank Locations
Intercity Cheque Collections
Free
at HDFC Bank Locations
Bulk Transaction Charges (includes all All transactions (clearing and Fund transfer) are subject to
clearing and Account to Account a maximum of 300 transactions per month, beyond which
Fund Transfer transactions) charges @ `10/- per transaction would be levied.
Outstation Cheque Collection & Speed Clearing
Outstation Cheque Collection
Free
at HDFC Bank Locations
Up to `10,000/- charged at `50/- per instrument
Outstation Cheque Collection at Clean Above `10,000/- and up to `1,00,000/- charged at
Location and Correspondent Bank Locations `100/- per instrument
Above `1,00,000/- charged at `150/- per instrument
Outstation Cheque Collection through
Free
Speed Clearing
Cheque Book Charges
Cheque Book Charges (Payable at Par
Cheque Book) ( Customer can request for
Free 500 cheque leaves per month. Charges
maximum 100 cheque leaves through
`2/- per leaf beyond 500 leaves
NetBanking. For requests above 100 cheque
leaves customer needs to visit the branch.)
Remittance facility through own Bank
Demand Drafts (DD) payable
at HDFC Bank Locations Free
(Issued from any branch)
Pay Orders (PO) payable at HDFC Bank
Free
Locations (Issued from any branch)
DD/PO-Cancellation/Revalidation `100/- per instrument
NEFT Transactions :
Payments (At branch) Upto `1 Lakh - `2 + GST; Above `1 Lakh - `10 + GST
Collections Free
RTGS Transactions
Payments (At branch) Above `2 Lakh - `15 + GST
Collections Free
NEFT/RTGS payments are free through netbanking
Other Institutional Current Account facilities
Monthly Account Statement Free
Duplicate/Adhoc Statement
`50/- per statement through ATM/Mobile Banking/
Requests through Direct Banking Channels
NetBanking and Phone Banking (IVR)
P44
 `100/- per statement through Branch; `75/- per
At branch or PhoneBanking (Non-IVR)
statement through Phone Banking (Non-IVR)
Hold Statement Facility `400/- per year
Bouncing of cheques- Local
Cheques Drawn on us
Up to 2 instruments per month - `500 per instrument ;
Due to Insufficient Funds On 3rd instrument onwards - `750 per instrument
Due to Technical Reasons No Charge
Local Cheque: `100 per instrument and Outstation
Cheques Deposited Returned Unpaid
Cheque: `150 per instrument
Doorstep Banking *
Cash Pickup Charges (within municipal city limits)
Cash Pickup upto `1 lac `150/- per pickup
Cash Pickup beyond `1 lac and upto `200/- per pickup
Rs 2 lac
Cash Pickup beyond ` 2 lac and upto `300/- per pickup
`3 lac
Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager
Miscellaneous
Balance enquiry `25/-
TDS Certificate Free
Balance Confirmation Certificate `50/-
Interest Certificate `50/-
Cheque Status per instance `25/-
Photo Verification `100/- per instance
Address Confirmation `100/- per instance
Signature Verification `100/- per instance
Setting up of Standing Instructions Nil
Any deliverable returned by courier due to
negative reasons (no such consignee/ `50/- per instance
consignee shifted and no such address)
TIN/IPIN Regeneration (requests received
`50/- per instance
at the branch for physical dispatch)
SI rejects Upto 3 return-350/instance 4th return onward 750/instance
Old Records / Copy of Paid Cheque
Upto 1 Year `50 per record
Above 1 Year `100 per record
Common Charges for Debit / ATM Cards
Replacement of damaged card Free
Replacement of lost card `200/-
Copy Retrieval Request `100/-
Re-Issuance of PIN `50/- (plus taxes)
P45
ATM Usage:
Transacton TypeHDFC Bank ATMs Balance Inquiry Cash Withdrawal
Non-HDFC Bank ATMs Free Free

Domestic On all transactions ( Financial + Non financial ), Charges

applicable @`20/- per transaction
International*
*The Bank will charge cross-currency
mark-up of 3.5% on foreign currency `25/- per transaction `125/- per transaction
transactions carried out on Debit Cards.
The exchange rate used will be the
VISA/Master Card wholesale exchange rate
prevailing at the time of transaction
Transaction Decline Charge `25/- per transaction
(at Non HDFC Bank ATM's)
Stop Payment Charges
Particular cheque `100/- (Free through PhoneBanking)
Range of cheques `250/- (Free through PhoneBanking)
Account Closure:
Up to 14 days No Charge
15 days to 6 months `500/-
6 months upto 12 months `250/-
Beyond 12 months No Charge
InstaAlert / Mobile Banking
Insta Alert Nil
Transactions through PhoneBanking:
ECS (Debit) Return Charges Upto 3 returns - `350/ instance
(Quarterly Charges) 4th return onward `750 /instance
Charges on all IMPS Outgoing transactions:
Slabs ( `) Charges Exclusive of GST (Rs)
Up to 100,000 5
100,001 upto 200,000 15

P46
 Demat Account

HDFC Bank Demat Services offers a Safe, Online and Seamless mode to keep track of investments.
Features
1) Equity, Mutual Funds, Initial Public Offer (IPO), Exchange Traded Funds (ETF) - Index & Gold, Bonds, Non
Convertible Debentures (NCD) can be held in electronic form in the demat account
2) Paperless, online account opening
3) Nil Account opening charges
4) Auto credit of rights / bonus / public issues in the Demat Account through ECS
5) Easy access to investments,statements through the Demat Tab on NetBanking (DP on Net)

P47
 Personal Loan

Eligibility
ü Employees of private limited companies, employees from public sector undertakings, including central,
state and local bodies
ü Individuals between 21 and 60 years of age
ü Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer
ü Those who earn a minimum of 25,000 net income per month.

Documents required
ü Identity proof (copy of passport/voter ID card/driving license/Aadhaar)
ü Address proof (copy of passport/voter ID card/driving license/Aadhaar)
ü Bank statement of previous 3 months (Passbook of previous 6 months)
ü Two latest salary slip/current dated salary certificate with the latest Form 16

P48
 Business Loans

Eligibility
ü Self employed individuals, Proprietors, Private Ltd. Co. and Partnership Firms involved in the business of
Manufacturing, Trading or Services.
ü The business should have a minimum turnover of Rs. 40 lacs
ü Individuals who have been in the current business for a minimum of 3 years, with 5 years total business
experience.
ü Those whose business has been profit making for the previous 2 years
ü The business should have a Minimal Annual Income (ITR) of `1.5 lacs per annum
ü The applicant should be at least 21 years at the time of applying for the loan, and should be no older than 65
years at the time of loan maturity
Documents
ü The following documents are required along with your Business Growth Loan application: PAN Card – For
Company/Firm/Individual
ü A copy of any of the following documents as identity proof:
ü Aadhaar Card
ü Passport
ü Voter's ID Card
ü PAN Card
ü Driving License
ü A copy of any of the following documents as address proof:
ü Aadhaar Card
ü Passport
ü Voter's ID Card
ü Driving License
ü Bank statement of the previous 6 months
ü Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years,
after being CA Certified/Audited
ü Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
ü Other Mandatory Documents [Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy
of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)] P49
 Two Wheeler Loans

Eligibility

Individuals:
ü Salaried or self-employed
ü Age between 21 and 65 years
ü Minimum monthly income of `10,000

Non Individual Entities:

ü Registered non individual entities like Partnership firms, Private Limited companies, Limited companies etc.

Identity proof:
ü Election /Voter's card issued by Election Commission of India
ü Permanent Driving license [not expired]
ü Passport [not expired]
ü Proof of possession of Aadhaar / printout of e-Aadhaar (not older than 30 days) / e-KYC (Biometric / OTP based)
ü Job card issued by NREGA duly signed by an officer of the State Government
ü Letter issued by the National Population Register containing details of name & address

Address proof to be separately provided if different from Identity proof

ü Utility bill, in the name of customer, which is not more than two months old of any service provider (electricity,
telephone, post-paid mobile phone, piped gas / gas passbook, water bill);
ü Property or Municipal tax receipt, in the name of customer;
ü Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or
Public Sector Undertakings, if they contain the address;
ü Letter of allotment of accommodation from employer issued by State Government or central Government
Departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks,
financial institutions and listed companies and leave and license agreements with such employers allotting
official accommodation;

Income Proof, if applicable

ü 3 months Bank Statement / Latest ITR for Self Employed
ü 3 months salary slip/ 3 months bank statement with salary credit/ Form 16 for Salaried
P50
 Car Loans

Eligibility

Salaried Individuals:
ü This includes employees of private limited companies, employees from public sector undertakings, including
central, state and local bodies
ü Individuals who are a minimum of 21 years of age at the time of applying for the loan, and no older than 60 at the
end of the loan tenure
ü Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer
ü Those who earn a minimum of `3,00,000 per year, including the income of the spouse/co-applicant
ü Individuals who have a telephone/post-paid mobile
Self Employed Individuals and Professionals (Sole Proprietorship):
ü This includes self-employed sole proprietors in the business of manufacturing, trading or services
ü Individuals who are a minimum of 21 years of age at the time of applying for the loan, and no older than 65 at the
end of the loan tenure
ü Those who have been in business for a minimum of 2 years
ü Should earn at least `3,00,000 per annum
Self Employed Individuals and Professionals (Partnership Firms):
ü This includes self-employed partners in the business of manufacturing, trading or services
ü Those who have a minimum turnover of `3,00,000 per annum
Self Employed Individuals and Professionals (Private Limited Companies):
ü This includes individuals who own a private company in the business of manufacturing, trading or services
ü Should earn at least `3,00,000 per annum
Self Employed Individuals (Public Limited Companies):
ü This includes directors in public limited companies that are in the business of manufacturing, trading or services
ü Should earn at least `3,00,000 per annum

P51
Car Loan Documents

Salaried Individuals
1. Any of the following documents as identity & Address Proof
ü Valid Passport
ü Permanent Driving license [recent, legible, laminate]
ü Voters ID Card
ü Job card issued by NREGA
ü Letter issued by the National Population Register containing details of name & address
ü Aadhar Card(only if Submitted voluntarily & backed by Aadhar consent Letter.1st 8 digits of Aadhar Number on
physical copy to be redacted)Aadhar Card can be Physical Aadhar or Print out of e- Aadhar (not older than 30
days from the date of application).
2. Latest salary slip and Form 16 as income proof
3. Bank statement of the previous 6 months
Self Employed Individuals (Sole Proprietorship)
1. Any of the following documents as identity & Address Proof:
Valid Passport
Permanent Driving license [recent, legible, laminate]
Voters ID Card
Job card issued by NREGA
Letter issued by the National Population Register containing details of name & address
2. Latest Income Tax Returns (ITR) as income proof
3. Bank statement of the previous 6 months
Self Employed Individuals (Partnership Firms)
1. All the following documents as income proof:
Audited Balance Sheet
Profit & Loss Account of the previous 2 years
Company ITR for the previous 2 years
2. Any of the following documents as address proof:
Telephone Bill
Electricity Bill
Shop & Establishment Act Certificate
SSI Registered Certificate
Sales Tax Certificate
3. Bank statement of the previous 6 months

P52
Self Employed Individuals (Public Limited Companies)
1. All the following documents as income proof:
Audited Balance Sheet
Profit & Loss Account of the previous 2 years
2. Any of the following documents as address proof:
Telephone Bill
Electricity Bill
Shop & Establishment Act Certificate
SSI Registered Certificate
Sales Tax Certificate
3. Bank statement of the previous 6 months

Self Employed Individuals (Private Limited Companies)

1. All the following documents as income proof:
Audited Balance Sheet
Profit & Loss Account of the previous 2 years
Company ITR for the previous 2 years
2. Any of the following documents as address proof:
Telephone Bill
Electricity Bill
Shop & Establishment Act Certificate
SSI Registered Certificate
Sales Tax Certificate
3. Bank statement of the previous 6 months

P53
 Gold Loan

Features
Ø Spot sanction over the counter product
Ø Safe & Secured: Unique triple layer security packing for gold jewellery and safely secured in Bank’s locker
Ø Assessment by professional Assayers: Handling and Valuation of jewellery is done by valuer with long years of
experience from well known jewellery house
Ø No Financial requirement for Loan Amt. upto `30 Lacs for HDFC Bank Current & Savings customers
Ø No Financial requirement for Loan Amt. upto `15 Lacs for New to Bank customers
Ø Minimal Documentation: Application Form and KYC documents. (PAN and KYC documents)
Ø Loan upto 75% of gold jewelry value
Ø Only interest to be serviced as EMI
Ø Customer with CIBIL Score 0, -1 & above 550 can avail the loan
Ø Nil Foreclosure Charges after 6 months.
Flexibility of offering: Customer has basket of variants viz Term Loan/ Overdraft/ Bullet Payment

Gold Loan Sanctioned Against with Benefit for VLE/BC

Requirements
ü Gold Jewellery (Jewellery accepted should be between 22K and 18K.)
ü Loan against Sovereign Gold Bonds (in Demat form)
LTV upto 75% of Gold Jewellery valued amount
(Gold bars / Utensil / Vessels / Single Mangal sutra etc. are not accepted)
Target Group
Ø Individuals (Salaried, Self Employed, Farmers, Housewives), looking at short term funding.
Ø Individual with Funding needs for Business activities / Working capital / Personal expense requirement
Ø Farmers/ Agriculturist in rural/semi urban areas for seasonal based capital requirements
Individuals in ancillary biz of agriculture/ horticulture/ poultry/fisheries /Animal Husbandry etc

P54
What’s there for the VLE
What’s there for the VLE
ü Only Retail loan product in the bank to offer loan amount Up to `15 Lacs to external or new to bank customers
without financial requirements.
ü Same Day conversion (Once the customer visits the GL fulfilment branch)
ü Great opportunity
ü Simple, Easy, Fastest TAT product & feasibility to penetrate at all GL Bank locations.
An Opportunity to offer product to all profile customers, irrespective income & employment status, only requirement
is availability of Gold Jewellery with KYC.

Product Variants Comparison

Term Loan Overdraft Bullet Payment

Min. 25K & Max Min. 2 Lacs & Max Min. 25K & Max
LOAN AMT
3.5 Crs. 3.5 Crs. 19 Lacs.

Monthly interest to be Only interest to be Pay interest & Principle

REPAYMENT serviced during the serviced on Utilized end of 12 months.
loan tenor amount

Not Required upto Not Required upto

Required Agri proof
INCOME DOCS `15 Lacs Loan Amt `15 Lacs Loan Amt
as per RBI PSL
for New to bank for New to bank
classification.
customers. customers.

Any profile with urgent All Self-employed Only for customers

TARGET SEG requirements of loan customers who have doing business in
with or without Income irregular cash flow & Agricultural & Ancillary
documents seasonal requirements activities as per RBI
as working capital. PSL classification.

FORECLOSURE (FC) Nil FC Charges Nil FC Charges Nil FC Charges

after 6 Months. after 6 Months. after 6 Months.

P55
 Transportation (CV)
& Infrastructure Group (CERL).
Commercial Vehicles:
India's truck and bus industry, the world's fifth-biggest commercial vehicle market, that makes products ranging
from small pickups to large multi-axle trailer trucks, has been boosted due to increase in infrastructure spend,
strong replacement demand and robust economic growth that increased freight movement.
mmercial Vehicle Categories
Indian Commercial Vehicles (CV) market is segmented on the basis of Gross Vehicle Weight (GVW) into: Heavy
Commercial Vehicles (HCVs), Light Commercial Vehicles (LCVs) and Small Commercial Vehicles
( SCV's). GVW is defined as vehicle weight plus the rated payload; the rated payload being the maximum weight
permitted to be loaded on to the vehicle under the Motor Vehicles Act, 1988.
Broadly, vehicles with GVW of <4 Tonnes are classified as SCV's , <16 Tonnes are classified as LCVs and others
are classified as HCVs. Further depending upon end-use, CVs can be either passenger carriers or goods carriers.
The payload determines the earning capacity of the vehicle, since freight rates are charged on the basis of ton/ km
transported. The payloads in the Indian market range from 0.675 ton to 40 ton
LCVs & SCV's are used for transport of goods mainly inter and intra city. HCVs are used mainly for interstate
transportation of goods. Out of the total Commercial vehicles purchased 85% are financed while the remaining are
purchased through internal funds.
Under Commercial funding we are offering below loan for meeting different customer requirements.
• New Commercial vehicle's funding
• Used Commercial vehicle's funding
• Working capital limits and other banking requirements of transportation group customers.
The Target Segment for Commercial Vehicle funding defined below:
• Transporters: Defined as customers who ply commercial vehicles for transportation of goods / passengers.
• First Time Users: Defined as customers who, while they have experience in the commercial vehicle segment,
do not own vehicles and are buying for the first time.
• Freight Booking Companies: Customer who, while not owning vehicles, book consignments & issue
LR's/GR's in in their own name. They typically have contracts / arrangements with customer for booking
freights & attach vehicles from owners for transportation.
• Captive Users: Customers deploying vehicles for captive use, for transporting finished goods produced / raw
material consumed in their business.
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• Farmers & Agriculturists: Farmers & Agriculturists engaged in transportation of agricultural produce and/or
seed, fertilizer, diesel for water well pumps etc are considered under this special segment. This segment
is addressed by program – CV Funding for Agriculture Use. Features
1. Min. Loan Amount – 1 Lac
2. Tenure – 12 to 48 Months
3. Funding – Upto 100 % LTV depending on Customer Profile and Vehicle Model.
Eligibility Criteria
• Borrower Constitution. Individual / Sole Proprietorship / Partnership / Private Limited Company / Limited
Company / HUF / LLP/ Trust / Society
• Viability Analysis Proposed funding as well as overall business to be commercially viable.
• Age of the Applicant Minimum 21 years. Maximum up to 65 years.
• KYC Norms as per extant guidelines issued by the Bank for all its customers / applicants.
• Contact Point Verification Mandatory for applicant, co-applicant, guarantor.
• Should not be negative. (specific waivers as per extant CPV Policy)
• Bureau & Dedupe Check Mandatory for applicant, co-applicant, guarantor.
• Should not be negative.
• Positive/Negative de dupe check - internal database as well as external bureaus viz. CIBIL/Experian /
Equifax & Willful defaulters check.
• RIC check Screening mandatory for applicant, co-applicant, and guarantor. Sampling as per RIC triggers
mentioned in section 11.1. RIC sampling report should not be negative.
• External and Internal Rating Requirement for exposure > ` 5 Cr and where the borrower already has
external rating done, then in such cases rating should not be below BBB- or below SME 5 (in case of SME
rating). Any deviation to the same should be as per RBA Matrix.
• Internal Rating (RAM Rating) norms to be followed as spelt out in RAM Process Note.
Pre -Approval Documentation
1. Commercial Vehicle Loan application form with photo
2. KYC Documents as specified in the circular.
3. Bank Statement – Last 6 Months.
4. Fleet List – Certificate of Registration Copy / List of Vehicles
5. Latest ITR along with computation of income.
6. Balance Sheet and Profit & Loss account 2 years.
7. Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
8. Commercial driving license for validation of experience proof.
Commercial Equipment Retail Loans
Infrastructure sector is a key growth driver for the Indian economy and plays a significant role in the economy's
overall development process. Infrastructure sector majorly includes roads, ports, urban infrastructure, mining and
power.
In this product from Transportation Group we are fulfilling end to end banking requirements of Infrastructure sector
customers.
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Under Commercial Equipment's we are offering below loan for meeting different customer requirements.
• New Commercial equipment's funding
• Used Commercial equipment's funding
• Working capital limits and other banking requirements of Infrastructure sector customers.
Types of Construction Equipment's based on usage:
Earth-moving equipment is the largest segment of the construction equipment sector in India. This equipment's
primarily find use in mining and construction. Equipment's include backhoe loaders, excavators, wheeled
loaders, dumpers/tippers, skid steer loaders.
Material handling equipment (MHE) are machines that enable movement and storage of materials within a facility
or at a site. MHEs can be classified as unit load MHE and bulk MHE. Unit load MHE usually handles materials that
are packed into a definite unit for ease of movement and storage. Bulk MHE is used for transportation of loose bulk
materials such as ores and cereals. MHE includes equipment's such conveyors, stackers, reclaimers, feeders,
tippers, crushers, screens, ship loaders, unloaders, forklifts, wagon tipplers etc.
Concrete equipment's are used to mix and transport concrete. They include equipment's such as concrete
pumps, aggregate crushers, transit mixers, asphalt pavers, batching plants.
Road building equipment's are used in the various stages of road construction. Widely used ones are
excavators, diggers, loaders, graders, bulldozers etc.
Target Customers for CERL
• Road / Bridge/ Flyovers/ Dam Contractors
• Civil Contactors
• Railway Contactors
• Mining Works
• Port Handelers (Material Handling)
• Equipment Hirer Contractors
• Sub Contactors
• Captive Users
• Hiring Segment
Features
• Min. Loan Amount – 1 Lac
• Tenure – 12 to 60 Months
• Funding – Upto 100 % LTV depending on Customer Profile and Equipment Model.
Eligibility Criteria
• Average Turnover Audited Financial results of last two years
• Business Stability Borrower should be stable at a business location (as specified for the category), to be
evidenced through address on RC, telephone bill, trade certificate/ work order/ work completion, bank
account.
• Repayment Track Record SoA of running contracts
• (Upto 2 years old track record), bank statement, copy of EMI receipts.
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• Tangible Networth Audited balance sheet, CA certificate.
• Financial Analysis Audited Financial results of last 2 years
• Guarantor: Guarantee of promoter director in case of company and partner in case of p/ship firms
• Live Contracts Copies of work orders.
• Mining Lease Area Declaration supported by copies of mining lease or quarry license
• Plant Hirer Fleet declaration supported by min. 10 RCs/ invoices.
• Projected Turnover Growth Projected balance sheet.
• Equipment Fleet RCs and Invoices [Sale deed is acceptable for 50% of the fleet]
• Experience validation (except FTB / RCAP without financial) Certificate of incorporation, ownership of CE
asset, work order in case of contractors & mining lease in case of mine owners, work completion certificate,
audited results.
• Experience Validation RCAP without financial § Profile like self-owned Site like crusher/mines/Bricklyne/
Quary owners etc. Do not maintain financial however has continued business operation for 3 or more years
and proposed CE asset to be deployed in self-site (example like Quarry/ bricklyine).
• Validated through Mining lease in case of mine owners, proof of quarry/brick line for more than 3 years.
• In case customer has CE asset or financial, then categorization to be basis Asset or financial parameters
• Experience Validation for FTB Experience Validations through
• Driving License (Commercial /Operator)
• Letter from Reputed*Principal (with TO of >5 Crs)
• Trade Credits* in last 12 months
• Co-Applicant / Guarantor – Family Member to be a Co-applicant or Ext. Guarantor.
Pre -Approval Documentation
• Commercial Equipment Loan application form with photo
• KYC Documents as specified in the circular.
• Bank Statement – Last 6 Months.
• Fleet List – Certificate of Registration Copy / List of Vehicles
• Latest ITR along with computation of income.
• Balance Sheet and Profit & Loss account 2 years.
• Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)

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 Instant Consumer Finance –
Easy EMI On the Go @ CSC

Scope:
• Simplified journey which eliminated the hassles for Pre- Approved (PA) Customers
• Digital journey which calculates the PA limit for both Existing and New To Bank Customers
• Quick In principal Approval
• and faster conversion.
Benefits
• Instant Approval - In Principal Sanction Letters
• Customer can visit any store among the 20000+ registered with HDFC Bank and purchase Consumer
Durable products across 100+ brands
• Customers can purchase the Consumer Durable Products without any income documents
• Customer can buy Multiple products in one sanction letter
Flow of Journey
• Customer approaches the CSC VLE
• VLE explains the customer about Instant Digital Consumer Finance
• If the Customer is interested, the VLE starts entering details provided by the Customer into the Digital
Sewa Portal
• Basis the details provided by the customer, an Instant Loan Sanction letter with approved amount is
generated.
• This is the maximum amount eligible for Instant Disbursal.
• The customer can then visit the HDFC Bank mapped Consumer Durable Store and purchase the product
• If the letter does not have any amount mentioned, the customer needs to carry his KYC documents and
Income proof to the
HDFC Bank mapped Consumer Durable Store and loan will be given basis the customer's income.

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 Loan Against Property

Product variant / Features:

Mortgages under retails assets has 4 products namely
1. Loan against property
2. Commercial property loan
3. Term loan rent receivable
4. Dropline overdraft
Key features:
• Minimum loan amount: 11 Lacs
• Maximum loan amount: varies with customer profile & property value
• Higher Loan amount, Lower EMI. Up to 15 years' tenor.
• END USE: Business / Personal needs (end use certificate needs to be collected)
• COLLATERAL: Residential / Commercial (approx. 60 - 65% LTV FOIR differs cases wise)
• USP; **Exclusive programs, Higher LTV & Attractive rates for Managed customers, Customer banking with
us is preferable.
Fees, Charges & Penalty are mentioned in sanction letter, loan agreement & our bank website under product <
loan against property< fees & charges.
Target Segment :
• Self Employed Non-Professionals (SENP) - Businessmen, Traders, Wholesalers, Manufacturers, Retailers,
Service Providers etc.
• Self-Employed Individuals/Proprietorship firms/Pvt Ltd Co/Partnership firms, LLP
• Self Employed Professionals (SEP) -Doctors, Architects, Chartered Accountants, Professional Consultants
• Salaried Individuals, NRI Salaried Individuals

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Eligibility :
• Minimum business/ employment vintage of 3 years
• Profitable business (minimum PAT of 1.5 lacs with positive net worth).
• All property owners to be co-applicant to the loan.
Documentation :
• KYC for main applicant and all co-applicants.
• Latest Bank Statement for last 12 months as per approved bank list shared by RBI
• Certified Financial Statements for last 3 yrs/last 2 yrs Form 16 and 3 months' salary slips
• Copy of property documents
• Existing loans SL / RTR

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 Loan
On Credit Card
What is Loan on Credit Card and what are the different types of loans?

Loan on Credit card is a loan that’s given basis the credit card relationship that the customer holds with the bank.
There are 3 different types of loans basis the credit card relationship.
Insta Loan (earlier termed as Cash on Call(COC)
It’s a pre-approved loan given within the credit limit of the credit card, i.e. part of the credit limit is given as a cash
loan to the customer. Here, the credit limit is blocked upto the loan amount that the customer avails.
Jumbo Loan (earlier termed as PLCC)
Its pre-approved loan given over and above the credit limit of the credit card. Here, the credit limit is not blocked and
customer is free to use the entire credit limit on the credit card for other transactions
Smart EMI (earlier termed as Dial-an-EMI : DAE)
Convert all purchases on your credit card into EMIs payment by availing Smart EMI without any documentation.
So, you will not have to worry about repaying for large purchases with your HDFC Bank Credit Card at one time.

Disbursal in 1 Second No Documentation Flexible Tenures

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 Group Loan Facilities
for Women
Key Points

Gender: Loan only to women JLG

Age: Married women between age of 18 to 60 years

Credit Facility: Term loan as per the bank's policy

Group Size: 5 to 13

Tenure: Minimum 12 months to Maximum 24 months

Loan Amount: 1st Loan - 25000 to 30000

2nd Loan - 30000 to 35000
3rd Loan & Onwards - Second Loan* 150% Maximum 45000

Interest Rate: Same as other MFI's

Repayments: Monthly

Insurance: Life insurance covering all the borrowers to the extent of loan amount

Relation in Group: Only ONE member from a household. One pair is permitted subject to none of
them being the leader

Resident Stability: 60% own house

Area Stability: Minimum 5 Years in the same locality & 2 Years in the same house

Attendance in Meetng: 100% attendance is mandatory

KYC Requirement: Aadhaar Card & Voter ID is mandatory

Activity: No start up activity. Member should have engaged in legal activates only

Literacy: Authorized signatories must be able to sign

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 Brief details on
PM SVANidhi Scheme.
Scheme segment : PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) - A Special Micro-Credit
Facility Scheme for providing affordable loan to street vendors.

Loan Amount : Completely collateral free loan of 10,000/-

Loan Tenure : 12 Months

Eligibility : 50 lakh street Vendors from urban/peri-urban and rural areas - vending on or before, 24th
March 2020 / Approved by ULB- Urban Local Body

On-line Mode : Applicant can apply online through online portal- pmsvanidhi.mohua.gov.in Every Street
Vendor (SV) will need to have a legitimate document to identify him/her as an identified
and eligible Street Vendors.

Initial working capital : Collateral free term loan for 1 year of RS 10,000/- thus providing affordable loan.

Beneficiary : Every Street Vendor (SV) having legitimate document to identify him/her as an identified
and eligible SV.

Rate of Interest : All PM SVANidhi applications will be at 24%

Interest Subsidy : The vendors availing the scheme, are eligible to get Interest Subsidy 7%. The Interest
Subsidy will be credited to customer Account on Quarterly Basis

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 Social Security Schemes
Jan Dhan Se Jan Suraksha -
PMJJBY / PMSBY /APY

`2 lakhs Life Insurance Cover @ `86 premium per quarter

Features & Benefits

•I t is a Life Insurance cover for death due to any reason.
• Eligibility – Savings account holder aged between 18 years to 50 years
• The scheme will be a one-year cover, renewable from year to year (last week of May)
• The cover is for the period 1st June to 31st May
• Cover starts from 30 days after date of enrolment except in case of accidents

PMJJBY Premium Table

Month of Enrolment 1st Premium* (`)
June, July, August `330
September, October, November `258
December, January, February `172
March, April, May `86

*Renewal Premium Rs. 330/- will be auto debited in May of every year

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 Up to `2 lakhs accidental death / disability cover @ `12 per annum.

Features & Benefits

• It is an accidental death / disability cover.
• Eligibility – Savings account holder aged between 18 years to 70 years.
• Cover starts from the date of enrolment.
• The scheme will be a one-year cover, renewable from year to year.
• The cover is for the period 1st June to 31st May.

PMSBY Table
Table of Benefits Sum Insured
Death `2 Lakhs
Loss of use of both Eyes/Hands /Legs `2 Lakhs
Loss of use of One Eye/Hand /Leg `1 Lakh

Social Security Schemes – Atal Pension Yojana (APY)

Features and Benefits:

• Subscriber will get a government guaranteed fixed pension which can increase basis the fund
performance.
• Pension to spouse after subscriber's death.
• Corpus to nominee after death of both subscriber and Spouse.
• Tax benefit available up to `50,000 deduction under section 80 CCD.
• Eligibility – Savings account holders aged between 18 years to 40 years.
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• Pension can be chosen as minimum guaranteed `1000 / 2000 / 3000 / 4000 / 5000.
• Contribution payment options as monthly, quarterly, and half yearly.
• Contribution amount is low at an early age and increases with increase in age.
• Pension starts after completion of 60 Years.

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 Fixed Deposit /
Recurring Deposit

Advantages of Fixed Deposit / recurring Deposit Booking at CSC Center

ü All customers can avail FD-RD booking irrespective of being digitally equipped. SMS Banking
registration is not mandatory.

ü All tenures and maturity options, in line with the Bank's core banking system available to the customer

ü SMS to be sent to long code number – 9717465555, which can also be sent from pre-paid mobiles
without availing any additional mobile pack

ü Ease of booking using CSC points and registered mobile phone

ü Investment and Savings facility available for all Customers

ü Deposit booking can be done from any account which is linked to the registered mobile

ü Deposit booking enabled for Minor accounts, Senior Citizen accounts, Singly / jointly held accounts

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