Regular Saving Account

An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts and withdraw cash. Check up on your balances from the comfort of your home or office through NetBanking, PhoneBanking and MobileBanking. Need money urgently? Withdraw cash from any of the 5,796 ATM centres spread across the country.

Features & Benefits

Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located. Bank conveniently with facilities like NetBanking and MobileBanking- check your account balance, pay utility bills or stop cheque payment, through SMS. Never overspend- Shop using your International Debit Card that reflects the actual balance in your savings account. Personalised cheques with your name printed on each cheque leaf for enhanced security. Take advantage of BillPay, an instant solution to all your frequent utility bill payments. Instruct for payment over the phone or through the Internet. Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saver facility on your account. Free cash withdrawals on any other Bank's ATM* Free Payable-at-Par chequebook, without any usage charges. Free InstaAlerts for all account holders for lifetime of the account. Free Passbook facility available at home branch for account holders (individuals). Free Email Statement facility.

Eligibility & Account Operation

The following are eligible to open a Regular Savings Account: Resident Individuals (sole or joint account). Hindu Undivided Families. If you are a Foreign National residing in India for a period greater than 180 days, you may open a Savings Account by providing -- Valid Passport -- Valid VISA -- FRRO ( Foreign Regional Registration Office) Certificate -- Residential Permit

Account Operation
A minimum deposit of Rs. 10,000 (Metro / Urban Branches), Rs. 5000 (Semi-Urban / Rural Branches) is required to open an account and thereafter an Average Quarterly Balance of the same amount has to be maintained. It is mandatory to maintain a minimum Average Quarterly Balance (AQB) of Rs. 10,000 (Metro / Urban Branches), Rs. 5000 (SemiUrban / Rural Branches). If the balance is not maintained, a service charge of Rs. 750/- will be levied per quarter. . If you open a Fixed Deposit Account of Rs. 50,000/-, then you no longer have to maintain a minimum balance of Rs. 10,000 (Metro / Urban Branches), Rs. 5000 (Semi-Urban / Rural Branches) in your Savings Account. In effect your account becomes a Zero Balance Account.

Fees & Charges for Regular Savings Account

Savings Account customers - Change in Average Quarterly Balance (AQB) requirement effective 1st April 2010 The Average Quarterly Balance (AQB) requirements of various deposit accounts have been reviewed considering the features and services offered for each type of account. Based on the review, the AQB for all Savings Regular accounts will be revised effective 1st April, 2010. The revised AQB will be as follows: Savings Regular account - Rs. 10,000 for Metro/Urban & Rs. 5,000 for Semi-urban/Rural branches

The revision is not applicable to customers who are a part of Corporate Salary/Imperia/Preferred/Classic programmes. Description of Charges Regular Savings Account Minimum Balance (Average Quarterly Balance) Option 1 Rs. 10,000 (Metro / Urban), Rs. 5000 (Semi-Urban / Rural) Option 2 NIL with a Fixed deposit of Rs. 50,000 Charges on non maintenance Option 1 Rs. 750 per qtr Option 2 In case of non maintenance of Rs. 50,000 Fixed Deposit Rs. 750 per qtr Cheque Book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ Rs 50/- per chequebook Rs. 5 per leaf on non-maintenance of min. balance

PAP Cheque book usage charges No Charges Account Statements - Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking. Hold Statement Rs. 400 per year Passbook issuance Free Duplicate passbook issuance Rs 100/Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations DD request through Branch Upto Rs. 10,000 Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Rs. 30 through Phonebanking Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 30 through Phonebanking) Rs. 60 (Senior Citizens / Individuals in Rural areas) Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at Phonebanking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs 10,000/-) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Charges for cheques drawn on Branch locations Regular Savings Account Upto Rs 5,000 Rs. 25/- Rs. 20/- for Rural branches / Senior Citizens Account

Rs. 5,001/- to Rs. 10,000/- Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/- Rs. 100/Rs. 1,00,001/- and above Rs. 150/ cheques drawn on Speed Clearing Branches Regular Savings Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations Regular Savings Account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/- Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/ cheques drawn on Speed Clearing Branches Regular Savings Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return For accounts not maintaining AQB, First cheque return in a quarter - Rs 400/From second cheque return in the same quarter Rs 800/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited returned unpaid Rs. 50 Rs. 100 on non maintenance of Min balance Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking and NetBanking), Range of Cheques - Rs. 100 (Free through Phonebanking and Net banking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft Rs. 100 per occasion + 18% interest pa

Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Free 3 free in the quarter & Rs. 60 per additional transaction on nonmaintenance of Min balance (cash deposit/withdrawal) Cash transactions 5 cash transactions at branch will be allowed free per month. Every additional transaction will be charged @ Rs 100 per transaction effective 1st July 2010 Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters - Cash transactions. Upto Rs. 50,000/- free per day, Above Rs. 50,000/- Rs 2.90 per 1,000/on the full amount. Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed Local Cheque deposited for outstation accounts No Charge Phonebanking - IVR Free Phonebanking - Non IVR Free Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction. Per transaction limit will be Rs 10,000/ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Rs.100 per year (plus taxes) Debit Card - Renewal Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs.100 per year (plus taxes) Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India

due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs. 100 per year (plus taxes) - One add-on card free for the first year Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Rs.100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per quarter per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward RTGS - Outward: Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking NIL Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

 Saving Plus Account

Introducing the best banking option for you with HDFC Bank Savings Plus Account. Now you can get access to some of the finest banking facilities with HDFC Bank's Savings Plus Account. All you have to do is maintain an Average Quarterly Balance of Rs. 10,000/- and experience the benefits as mentioned below:

Features & Benefits

Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located. Free cash withdrawals on any other Bank's ATM*. Free International Debit Card for all account holders for life time of the account. Free Payable-at-Par chequebook, without any usage charges. Free Demand Drafts on HDFC Bank locations, upto a limit of 25,000/- per day. Free BillPay & InstaAlerts for all account holders for lifetime of the account Free Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBanking Special relationship discount on purchase of Gold Bars 25%-off on the Locker rental for the 1st year (only). Intercity Banking / Multi-city Banking. Free Passbook facility available at home branch for account holders (individuals). Free Email Statement facility.

Eligibility & Account Operation

The following are eligible to open a Savings Plus Account: Resident Individuals (sole or joint account). Hindu Undivided Families. Foreign Nationals residing in India*. If you are a Foreign National residing in India, you may open a Savings Account by temporarily attaching an undertaking (QA 22 form), stating sources of credit and a copy of your Residence Permit.

Account Operation
A minimum deposit of Rs. 10,000/- is required to open an account and thereafter an Average Quarterly Amount of the same amount has to be maintained. If AQB in the savings a/c is >=10,000/- and/or the balance in the FD is >=50,000/-, no AQB non-maintenance charges will be levied. If the AQB in the SB a/c falls below 10,000/- and balance in the FD is also <=50,000/-, following charges would be applicable:

AQB in the SB a/c between 5,000/- and 10,000: Rs. 750/- per quarter AQB in the SB a/c is less than 5,000/-: Rs. 1,000/- per quarter If you open a Fixed Deposit Account of Rs. 50,000/-, then you no longer have to maintain a minimum balance of Rs. 10,000 on your Savings Plus Account. In effect your account becomes a Zero Balance Account. Thus, if the Savings Plus Account AQB is <10,000/- but FD balance is >=50,000/-, no minimum balance charges will apply. Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr Fees & Charges for Savings Plus Account Description of Charges Savings Plus Account Minimum Balance (Average Quarterly Balance) 10000(Urban/Semi-urban) Option 2 NIL with a Fixed deposit of Rs. 50,000 Option 1 Rs.

Charges on non maintenance thereof Option 1 AQB in the SB a/c between 5,000/- and 10,000/-: Rs. 750/- per quarter, AQB in the SB a/c is less than 5,000/- :Rs. 1,000/Option 2 In case of non maintenance of Rs. 50,000 Fixed Deposit the charges mentioned in Option 1 would be applicable Cheque Book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ chequebook Rs. 5 per leaf on non-maintenance of min. balance Rs 50/per

PAP Cheque book usage charges No Charges Account Statements - Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations Free DDs/MCs per account per month with maximum of Rs. 25,000 per day DD request through Branch Above Rs. 25,000 & upto Rs. 50,000 Rs. 75 ** (Rs. 30 through Phonebanking) **Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at Phonebanking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof ( Max Rs. 10,000/-) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank cheques drawn on Branch locations Savings Plus Account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/- Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Savings Plus Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations Savings Plus Account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/- Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Savings Plus Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above locations Charges for

Rs. 140 /- per instrument Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return For accounts not maintaining AQB, First cheque return in a quarter - Rs 400/From second cheque return in the same quarter Rs 800/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited - outward Rs.50 Rs. 100 on non maintenance of Min balance Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking and NetBanking), Range of Cheques - Rs. 100 (Free through Phonebanking and Net banking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Free 3 free in the quarter & Rs. 60 per additional transaction on nonmaintenance of Min balance (cash deposit/withdrawal) Cash transactions 5 cash transactions at branch will be allowed free per month. Every additional transaction will be charged @ Rs 100 per transaction effective 1st July 2010. Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000/- free, Above Rs. 50,000/- Rs 2.90 per 1,000/- on the full amount. Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed Local Cheque deposited for outstation accounts No Charge Phonebanking - IVR Free Phonebanking - Non IVR Free Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive ATM Card Free

ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction. Per transaction limit will be Rs 10,000/ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Free for all account holders for life time Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Regular NA Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction. Per transaction limit will be Rs 10,000/- . Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Free Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Free InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c:

Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward RTGS - Outward: Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free Passbook issuance(at home branch) Free Duplicate passbook issuance Rs 100/*at home branch for account holders (individuals)

per

As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

Savings Plus has been discontinued effective 1st March 2009

Saving Max Account

Welcome to a world of convenience. Presenting SavingsMax account, loaded with maximum benefits to make your banking experience a pleasure. By maintaining an average quarterly balance of just Rs. 25,000/- you get a host of premium services from HDFC Bank absolutely free*.

Features & Benefits

Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFC Bank ATMs & at all non HDFC Bank domestic ATMs using your HDFC Bank Debit Card Free Titanium Royale Debit Card for primary account holder for lifetime of the account. Titanium Royale Debit Card for other account holders at Rs 250/- p.a. Free Woman's Advantage/International Debit Card for all account holders for lifetime of the account. Free Payable-at-Par chequebook, without any usage charges. Free Demand Drafts on HDFC Bank locations, upto a limit of Rs. 1 lac per day. Self/Third Party Cash Deposit/Withdrawal at non-home branches, upto Rs 50,000/- per day free. Above Rs 50,000 a charge of Rs 2.90 per thousand on the full amount would be applicable. Optional "MoneyMaximizer" (sweep- out) facility for conversion of your surplus money into high earning fixed deposits, at the

threshold of Rs.1,25,000/- . In the event of the balance in SavingsMax account exceeding / reaching Rs.1,25,000/-, the amount in excess of Rs.1,00,000/- will be swept out in to a Fixed Deposit with a minimum value of Rs.25,000/- for a 1year 1day period * Free BillPay & InstaAlerts for all account holders for lifetime of the account. Free Monthly Statement of Account. 50% off on the Locker rental for the 1st year only. Folio maintenance charges on Demat account free for first year. Free NetBanking, PhoneBanking & MobileBanking. Free Passbook facility available at home branch for account holders (individuals). Free Email Statement facility .

Special Privileges Insurance Benefits (applicable from 1st Aug 09) Enjoy an Accidental Hospitalization cover of Rs. 1 lac per annum on your SavingsMax account. You can also claim daily cash allowance* at Rs.1,000/- per day for a maximum of 15 days per year, for each day of hospitalization due to an accident. This is a re-imbursement cover, extended only to the first holder of the SavingsMax account. It would be applicable after the completion of the 1st calendar quarter, post the quarter of a/c opening. Eg. If the SavingsMax a/c is opened in August 2009, the insurance benefit will apply only from January 2010. For the claim to be accepted & processed, the first holder of the SavingsMax account should have fulfilled the below 2 conditions Maintained an Average Quarterly Balance of Rs. 25,000/(irrespective of enjoying the benefit of a zero balance account with a Fixed Deposit of minimum Rs. 1,00,000/-) in the calendar quarter previous to the quarter of the date of accident. Should have done at least 1 purchase - point of sale (POS) transaction at a merchant establishment using the Debit Card in the previous 3 months before the date of accident. Preferential pricing on new Online Trading Accounts Account opening charges Rs.399/- only (Regular pricing at Rs. 799/-) 1 lac of trade volumes free (Valid for 3 calendar months post the online trading a/c opening month) Eligibility & Account Operation The following are eligible to open a SavingsMax Account: Resident Individuals (sole or joint account). Hindu Undivided Families. Foreign Nationals residing in India*.

If you are a Foreign National residing in India, you may open a Savings Account by temporarily attaching an undertaking (QA 22 form), stating sources of credit and a copy of your Residence Permit.

Account Operation
A minimum deposit of Rs. 25,000/- is required to open an account and thereafter an Average Quarterly Balance of the same amount has to be maintained. If the AQB in the SavingsMax a/c >= 25,000/- and/or the balance in the FD is >= 100,000/-, no AQB non-maintenance charges will be levied. If the AQB in the SavingsMax a/c falls below 25,000/- and balance in the FD is also below 100,000 the following charges would be applicable: AQB in the SavingsMax a/c between Rs10,000/- and Rs 25,000 Rs. 1000/per quarter AQB in the SavingsMax a/c is less than Rs10,000/- Rs. 1,500/- per quarter However, if the SavingsMax a/c AQB is <25,000/- but FD balance is >=100,000/- no minimum balance charges will apply. Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr.

Fees & Charges for Savings Max Account

Description of Charges SavingsMax Account Minimum Balance (Average Quarterly Balance) 25,000(Urban/Semi-urban) Option 2 NIL with a Fixed deposit of Rs. 100,000 Option 1 Rs.

Charges on non maintenance thereof Option 1 AQB in the SB a/c between Rs. 10,000/- and Rs.25,000/-:Rs.1,000/- per quarter. AQB in the SB a/c is less than Rs. 10,000/- : Rs. 1,500/- per quarter. Option 2 In case of non maintenance of Rs.100,000 Fixed Deposit the charges mentioned in Option 1 would be applicable. Cheque Book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ Rs 50/- per chequebook Rs. 5 per leaf on non-maintenance of min. balance PAP Cheque book usage charges No Charges Account Statements - Free Monthly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations Free DDs/MCs per account per month with maximum of Rs. 1 Lac per day Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at Phonebanking

Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs. 10,000/-) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations cheques drawn on Branch locations Savings Max Account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/- Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Savings Max Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations Savings Max Account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/- Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/Charges for

cheques drawn on Speed Clearing Branches Savings Max Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return For accounts not maintaining AQB, First cheque return in a quarter - Rs 400/From second cheque return in the same quarter Rs 800/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited - outward Rs.50 Rs. 100 on non maintenance of Min balance Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking and NetBanking), Range of Cheques - Rs. 100 (Free through Phonebanking and Net banking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Free 3 free in the quarter & Rs. 60 per additional transaction on nonmaintenance of Min balance (cash deposit/withdrawal) Cash Transactions 5 cash transactions at branch will be allowed free per month. Every additional transaction will be charged @ Rs 100 per transaction effective 1st July 2010. Interbranch transactions through teller counters - Funds Transfer Free Self/Third party cash transactions at non-home branches through teller counters Upto Rs. 50,000 - per day Free. Above Rs. 50,000 - Rs. 2.90 per 1000 on the full amount Local Cheque deposited for outstation accounts No Charge Phonebanking - IVR Free Phonebanking - Non IVR Free

Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive. ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Free Per transaction limit will be Rs 10,000/ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Free for all account holders for life time Debit Card - Annual Fee - Titanium Royale Free for primary account holder for life time. Rs.250 per year (plus taxes) for other account holders. Debit Card - Annual Fee - Women's Card Free for all account holders for life time Debit Card - Renewal Fee - Regular NA Debit Card - Renewal Fee - Titanium Royale Free for primary account holder for life time. Rs.250 per year (plus taxes) for other account holders Debit Card - Renewal Fee - Women's Card NA Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Balance enquiry - Free Cash withdrawal - Free Per transaction limit will be Rs 10,000/Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Free Add-on Debit Card - Titanium Royale Rs. 250 per year (plus taxes) Add-on Debit Card - Women's Card Free BillPay Free InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward RTGS - Outward:

Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free *at home branch for account holders (individuals)

per

As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009

Senior Citizen Account

HDFC Bank appreciates your needs and endeavours, which is why, we present an account especially dedicated to you, which like a dutiful child will help you fulfill your needs in the best manner possible.

Features & Benefits

Given below are some of the exclusive privileges you can look forward with the Senior Citizens Accounts Shop with pride with your EasyShop International Debit Card offered free for life to the first applicant. Shop (Point Of Sale limit) upto Rs.25,000/- per day. Enjoy cash withdrawal limit of Rs.25,000/- per day on the Debit Card for withdrawals at any HDFC Bank ATM. If the first applicant is a woman and new to the bank, our special Woman's Advantage Debit Card with ATM cash withdrawal limit Rs.25,000/per day and shopping (Point Of Sale) limit of Rs.40,000/- per day will be issued free by default. Free cash withdrawals on any other Bank's ATM* Payable-at-Par (PAP) chequebooks are issued free. With this facility, outstation cheques issued by you (for clearing) will be treated as local cheques, at any HDFC Bank location. What's more, there are no usage charges for availing the PAP facility. Keep a close eye on your account with the monthly account statements offered free OR Avail of free Passbook facility at your account branch. Use the third party cash transaction facility at non-account branches, to have your near and dear ones deposit / withdraw cash upto Rs.50,000/- per day on your behalf for free. Above Rs 50,000 a charge of Rs 2.90/- per 1000 on the full amount would be applicable. Use our PhoneBanking, MobileBanking and NetBanking facilities offered free to reach us with ease. Avail free SMS alerts to know the transactions in your account. Free Email Statement facility National Electronic Funds Transfer facility available.

Special offers and benefits:

Get preferential rates on FDs Special offers on new Demat Accounts Annual Maintenance Charge (AMC) waived off for the first year 50% AMC from second year onwards Dematerialisation of physical shares free for lifetime The offer is applicable only for the 1st Demat account linked to the Senior Citizens Savings Account Special offers on new Online Trading Accounts Account opening charges Rs.499/- only 5 trades free .Valid for the next 3 months from the date of account opening Gold Credit Card free* Travellers Cheques issued free Insurance Benefits: Get Accidental Hospitalisation cover of Rs.50,000/- per annum. This is a reimbursement cover for the first applicant. You can also claim daily cash allowance* once a year (at Rs.500/- per day for a maximum of 15 days per year) for each day of hospitalisation due to an accident. All you need to do is use your HDFC Bank Debit Card at a Merchant Establishment for purchase transactions ! Your claim will be processed only if you have used your HDFC Bank Debit Card for purchase at a Merchant Establishment at least once in the previous 6 months from the month of your accident.

Eligibility & Account Operation:

All resident individuals (sole or joint) in the age group of 60 years and above are eligible to open the Senior Citizens Account. In case of joint accounts, the first applicant has to be a senior citizen (>= 60 years of age)

Account Operation
A minimum deposit of Rs. 5,000/- is required to open a Senior Citizens Account and thereafter an Average Quarterly Balance (AQB) of the same amount has to be maintained. Non-maintenance of required AQB will invite charges of Rs.250/- per quarter. Transaction charges will be applicable in case the specified AQB has not been maintained in the previous quarter.

Fees & Charges for Senior Citizens Account

Savings Account customers - Change in Average Quarterly Balance (AQB) requirement The Average Quarterly Balance (AQB) requirements of various deposit accounts have been reviewed taking into account the features and services offered for each account. Based on the review, the AQB requirement of all Senior Citizens Account will be revised to Rs.5,000/-, effective 1st April, 2010. The revision is not applicable to customers who are a part of Corporate Salary/Imperia/Preferred/Classic programmes. For any further clarifications, you are requested to contact PhoneBanking or visit the nearest branch. Description of Charges Senior Citizens Account Minimum Balance (Average Quarterly Balance) Rs. 5,000 (Urban/Semiurban) Charges on non maintenance thereof Rs.250/- per quarter Cheque Book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ Rs 50/- per chequebook Rs. 5 per leaf on non-maintenance of min. balance PAP Cheque book usage charges No Charges Account Statements - Free Monthly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations DD request through Branch Upto Rs. 10,000 Rs. 40 (Senior Citizens / Individuals in Rural areas) Rs. 30 through Phonebanking Above Rs.10,000 & upto Rs. 50,000 Rs. 60 (Senior Citizens / Individuals in Rural areas) Rs. 30 through Phonebanking **Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at Phonebanking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs 10,000/-) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations cheques drawn on Branch locations Senior Citizens Account Upto Rs 5,000 Rs. 20/Rs. 5,001/- to Rs. 10,000/Rs. 40/Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Senior Citizens Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations Senior Citizens Account Upto Rs 5,000 Rs. 20/Rs. 5,001/- to Rs. 10,000/Rs. 40/Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Senior Citizens Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return For accounts not maintaining AQB, First cheque return in a quarter - Rs 400/From second cheque return in the same quarter Rs 800/- per return Due to Technical reasons - No charge Charges for

Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited- returned unpaid Local Rs.50 Outstation Rs.80 Cheques deposited - outward Rs. 50 Rs. 100 on non maintenance of Min balance Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking and NetBanking), Range of Cheques - Rs. 100 (Free through Phonebanking and Net banking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Free 3 free in the quarter & Rs. 60 per additional transaction on nonmaintenance of Min balance (cash deposit/withdrawal) Cash transactions 5 cash transactions at branch will be allowed free per month. Every additional transaction will be charged @ Rs 100 per transaction effective 1st July 2010 Interbranch transactions through teller counters - Funds Transfer Free Self/Third party cash transactions at non-home branches through teller counters Upto Rs. 50,000 - per day Free. Above Rs. 50,000 - Rs. 2.90 per 1000 on the full amount Local Cheque deposited for outstation accounts No Charge Phonebanking - IVR Free Phonebanking - Non IVR Free Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive. ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM.

Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Free for life time for 1st applicant Rs.100 per year (plus taxes) for other applicants Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) for all applicants Debit Card - Annual Fee - Women's Card Free for lifetime for 1st applicant Rs. 100 per year (plus taxes) for other applicants Debit Card - Renewal Fee - Regular Free for lifetime for 1st applicant Rs. 100 per year (plus taxes) for other applicants Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Free for lifetime for 1st applicant Rs. 100 per year (plus taxes) for other applicants Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs. 100 per year (plus taxes) - One add-on card free for the first year Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per quarter per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/Customers having NSBL*A/c -

* Nepal State Bank Ltd RTGS - Outward Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking NIL Netbanking Free ECS (Debit) Return charges Rs. 200 (plus taxes) at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009

No Frill Saving Account

In an effort to make banking simpler and more accessible for our customers, we have introduced the 'No Frills' Savings Account, which offers you all the basic banking facilities. You can even avail of services like NetBanking, Mobilebanking free of cost. All this with a Zero Initial Pay-in and a Zero Balance account ! Read more about the benefits you get on the 'No Frills' Savings Account.

Features & Benefits

Access a wide network of branches and over a thousand ATMs across the country to meet all your banking needs. Bank conveniently with Free NetBanking Use the National Electronic Funds Transfer (NEFT) facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI Enjoy Free IVR based PhoneBanking. (Agent assisted calls will be charged*) Get Free Quarterly Account Statements. Access your account through a Free ATM Card. Enjoy free Cash/Cheque Deposits at Branch/ATM Free cash withdrawal transactions at any Bank ATMS through Debit Card* 1 Free Cash withdrawal per month at the Branch. Additional Branch Cash withdrawals in the month will be charged @ Rs.50/per transaction. International Debit Card available only on request at the branch @ Rs. 100/- p.a. (plus applicable taxes) for each applicant. First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf. Free InstaQuery facility

Take advantage of BillPay, an instant solution to all your frequent utility bill payments. Instruct for payment over the phone or through the Internet*. Enjoy Free InstaAlerts via e-mails or SMS Avail facilities like Safe Deposit Locker, Sweep-In and Super Saver on your account. Free Email Statement facility .

Eligibility & Account Operation

The following are eligible to open a 'No Frills' Savings Account: Resident Individuals (sole or joint account). Hindu Undivided Families.

Account Operation
No Initial Payment is required to open a 'No Frills' account and No Average Quarterly Balance needs to be maintained.

Eligibility Criteria
Customer can open a No Frills Savings account if he: Does not have a bank account & has an annual income of less than or equal to Rs. 50,000/- or Does not have a bank account & is a beneficiary under a Government Welfare Scheme

Fees & Charges for No Frills Account

Description of Charges No Frills Savings Account Minimum Balance (Average Quarterly Balance) ZERO Charges on non maintenance thereof NA Cheque Book First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf. PAP Cheque book NA Account Statements - Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking. Hold Statement Rs. 400 per year Passbook issuance Free Duplicate passbook issuance Rs 100/Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations DD request through Branch Rs. 10,000 Rs.50

Upto

Rs. 40 (Senior Citizens / Individuals in Rural areas) Rs. 30 through Phonebanking Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 30 through Phonebanking) Rs. 60 (Senior Citizens / Individuals in Rural areas) **Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at Phonebanking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs 10,000/-) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Charges cheques drawn on Branch locations No Frills Savings Account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches No Frills Savings Accounts Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations No Frills Savings Account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/Rs. 50/-, for

(Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches No Frills Savings Accounts Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited - outward Rs. 50 Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking and NetBanking), Range of Cheques - Rs. 100 (Free through Phonebanking and Net banking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch / ATM / Debit Card transactions Free Cash Deposits at Branch Free transactions at HDFC Bank ATMs 1 Free cash withdrawal per month at the Branch Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Cheque deposits at branches will be free of charge and without any restrictions Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Free per day, Above Rs. 50,000 - Rs. 2.90 per 1000 on the full amount. Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed Local Cheque deposited for outstation accounts No Charge Phonebanking - IVR Free

Phonebanking - Non IVR Rs. 50 per call (Agent assisted calls). ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Rs.100 per year (plus taxes) Debit Card - Renewal Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs.100 per year (plus taxes) Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs. 100 per year (plus taxes) Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per quarter per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction

Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

Institutional Saving Account

A specially designed account that offers twin benefits of a savings as well as a current account. Your funds continue to earn you interest while you enjoy hassle-free banking & a host of other features. All this and more in a Zero Balance account!

Features & Benefits

Zero balance account Payable at Par chequebook facility Free: You can now use your PAP chequebook at any of HDFC Bank locations (through Clearing only) without any charge. Avail of Free Outstation Cheque Collection at HDFC Bank locations across the country. Enjoy unlimited DDs on HDFC Bank locations Free. Carry out cash transactions at any HDFC Bank branch. Third party cash transactions up to Rs.50,000/ - per day Free. Get monthly account statements Free. Avail special discounts on Foreign exchange transactions. Bank from home using our 24-hour NetBanking & PhoneBanking service. Collect fees, donations online using our Payment Gateway facility.

Eligibility
Registered trusts, associations, societies, clubs & such other institutions can apply for this account. This is a Zero Balance Account. There is no Average Quarterly Balance (AQB) requirement.

Fees & Charges for Institutional Savings Account

 Description of Charges Institutional Savings Account Minimum Balance (Average Quarterly Balance) Zero Charges on non maintenance thereof NIL Cheque Book Free Account Statements - Free Monthly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through PhoneBanking (IVR) & MobileBanking, Free through NetBanking Hold Statement Rs. 400 per year Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations Free DDs** on HDFC Bank locations without limit DD request through NetBanking Upto Rs. 1 Lakh Free Corr bank charges applicable Third party DD* upto Rs. 1 Lakhs Free (*Third Party Registration required .Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the beneficiary address ** Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking ) Managers Cheque/Demand Drafts - Cancellation/Revalidation Rs. 50 Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Free Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations

Trust Account
Upto Rs 10,000 Rs. 25/Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local For the first instance in a quarter - Rs.350/2nd instance & above in the same quarter - Rs.750/Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited - outward Rs. 50 Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through PhoneBanking & NetBanking), Range of Cheques - Rs. 100 (Free through PhoneBanking & NetBanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Free Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters Cash transactions Cash Deposits upto Rs. 50,000 per day - Free Cash Withdrawals upto Rs.50,000 per day - Free Above Rs. 50,000 - Rs. 2.90 per 1000 on the full amount Third party cash transaction limit of Rs.50,000 per day - Free. Above Rs.50,000 - Not Allowed Local Cheque deposited for outstation accounts No Charge PhoneBanking - IVR Free PhoneBanking - Non IVR Free InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Rs. 25 (plus taxes) per qtr per account Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction

Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for NSBL*A/c - Rs 20/Indo Nepal transactions Customers having

Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Rs. 1 lakh to 2 Lakhs - Free Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL MobileBanking NA NetBanking Free ECS (Debit) Return Charges Rs 200 (plus taxes)

per

As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009

Kids Advantage Account

ahead of their times. Make sure your

Children these days are way investments don't fall short.

Now through HDFC Bank's Kid's Advantage Account you can ensure your child's secured future and fulfill all his dreams in time. The Kid's Advantage Account presents you a great way to accumulate savings for your child and provide him the head-start required to succeed in life. It's an account which grows with your child to meet his future monetary requirements.

Features & Benefits

For their Growing Needs Free Education Insurance cover of Rs. 1,00,000/- in the event of death of the parent / guardian through vehicular accident by road, rail or air to safeguard the future of your child. ATM/International Debit Card will be issued for children between 7-18 years of age in the child's name with your permission. The amount your child is able to withdraw is Rs. 2,500/- at ATMs and spend Rs. 2,500/- at merchant locations per day. Free cash withdrawals on any other Bank's ATM* 1 free Personalised cheque book for your child. Monitor the transactions of your child's account with the free quarterly physical statement of account or free monthly Email Statement of account. Free NetBanking for you to monitor your child's account. Free SMS/Email alerts informing you about the account transactions.

For their Secured Future Standing Instruction to transfer any amount from your account to your Kid's Advantage Account every month (Minimum value = Rs. 1,000/- & Minimum tenure = 1 year) (Mandatory). Once the balance in the Kid's Advantage Account reaches/exceeds Rs. 35,000/-, the amount in excess of Rs. 25,000/- will automatically be transferred into a Fixed Deposit for 1 year 1 day, in your child's name, by signing in for our MoneyMaximizer (sweep-out) facility. You can also opt for systematic investments in mutual funds from the Kid's Advantage Account in your child's name. What's more, all the above facilities come absolutely FREE.

Eligibility
Kid's Advantage Account can be opened for your child as long as your child is a minor (up to 18 years of age) and you have a Savings Account with us. If you do not have a HDFC Savings Account, you will need to open an account.Click here to open a HDFC Savings Account.

How to Open a Kid's Advantage Account Maintain a minimum Average Quarterly Balance requirement of: - Rs. 5,000/OR Average Quarterly Balance requirement is not applicable if you maintain a Fixed Deposit of Rs 50,000/- or more (in the primary applicants customer id) The Kid's Advantage savings account needs to be opened with an initial amount of minimum Rs 5,000/ Penalty for non-maintenance of Average Quarterly Balance is Rs. 300/- per quarter

Fees & Charges for Kid's Advantage Account

Savings Account customers - Change in Average Quarterly Balance (AQB) requirement The Average Quarterly Balance (AQB) requirements of various deposit accounts have been reviewed taking into account the features and services offered for each account. Based on the review, the AQB requirement of all Kids Advantage Account will be revised to Rs.5,000/-, effective 1st April, 2010. The revision is not applicable to customers who are a part of Corporate Salary/Imperia/Preferred/Classic programmes. For any further clarifications, you are requested to contact PhoneBanking or visit the nearest branch.

Description of Charges Kid's Advantage Account Minimum Balance (Average Quarterly Balance) Option 1 Rs. 5,000 /in Kid's Advantage savings account Option 2 Nil with a Fixed deposit of Rs. 50,000/ Charges on non maintenance thereof Option 1 Rs. 300/- per quarter Option 2 In case of non maintenance of Rs. 50,000/- Fixed Deposit Rs. 300/- per quarter Cheque Book First chequebook free of charge. Subsequent cheque books will be charged at Rs. 2 per leaf PAP Cheque book NA Account Statements - Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations DD request through Branch Upto Rs. 10000 Rs.50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Rs. 30 through Phonebanking Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 30 through Phonebanking) Rs. 60 (Senior Citizens / Individuals in Rural areas) Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at Phonebanking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs 10,000/-) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation/Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below:

Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations cheques drawn on Branch locations Kid's Advantage Account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Kid's Advantage Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations Kid's Advantage Account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Kid's Advantage Account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return For accounts not maintaining AQB, First cheque return in a quarter - Rs 400/From second cheque return in the same quarter Rs 800/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited - outward Rs. 50 Charges for

Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking and NetBanking), Range of Cheques - Rs. 100 (Free through Phonebanking and Net banking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Free 3 free in the quarter & Rs. 60 per additional transaction on nonmaintenance of Min balance (cash deposit/withdrawal) Cash transactions 5 cash transactions at branch will be allowed free per month. Every additional transaction will be charged @ Rs 100 per transaction effective 1st July 2010. Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Free per day, Above Rs. 50,000 - Rs. 2.90 per 1000 Local Cheque deposited for outstation accounts No Charge Phonebanking - IVR Free Phonebanking - Non IVR Free Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/ATM Card - Transaction charge for Non-Partner banks NA Kid's Advantage Debit Card (Maestro) - Annual Fee Free Kid's Advantage Debit Card (Maestro) - Renewal Fee Free Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Balance enquiry - Free

Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) BillPay Rs. 25 (plus taxes) per quarter per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd Customers having NSBL*A/c -

RTGS - Outward Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) Passbook facility available at home branch (individuals) Free *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009 pension saving bank a/c A Pension Saving Account is a Zero Balance Account that accumulates your pension over the years. It comes with a free International Debit Card and facilities like Phone and Net Banking. You can access this Account from any branch within the HDFC Bank network and also request for transfer to another bank.

for

account

holders

Features & Benefits

The Pension Saving account is a Zero Balance Account. Timely credit of receivables Free International Debit Card. Enjoy facilities such as NetBanking, PhoneBanking, BillPay, ATM facility, inter-city and inter-branch banking. Pension Accounts are transferable from one branch/bank to another as per the process laid down by the pension authorities . The HDFC Bank advantage Pension Accounts are opened immediately after advice, and deliverables reach in time- within the 1st and 5th of the new month (in case of EPFO) and last day of the month (in case of Central Govt. Civil Pensions). Timely communication to the customer on receipt of the PPO. No delays in commencement of pension disbursals (subject to all the stipulated terms/conditions are fulfilled by the pensioner). Timely issue of Form- 16A (by April 15th) for tax deducted at source in the immediately previous financial year. Timely application of revisions due to changes in rates of Pension or Dearness Allowance. Immediate action in case family pension devolves to the spouse. Eligibility

The following are eligible to open a Pension Saving Bank Account: All employees of central government and civil ministries who are covered under the Central Government Civil Pension Scheme operated by Central Pension Accounting Office, Department of Expenditure and Ministry of Finance. All the employees of an establishment with a workforce strength of more than 20 (including contract employees) and who have opted to be members of the EPS 95 scheme. Existing members of "Member of Employees" Family Pension Scheme.

Procedure & Operation A Pension Salary Account can only be opened in an individual's name. The account can be opened up to two months before the date of retirement.

The details of your HDFC Bank Pension Salary Account will have to be furnished to your employer. After retirement, the RPFC/CPAO will forward the Pension Payment Order (PPO) to our designated office. You will then receive intimation to complete documentation at the designated branch. After the pensioner's portion of the PPO is handed over, the pension will start getting credited to your account every month. As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009. Fees & Charges for Pension Savings Account

Services Pension Products Minimum Balance NIL Charges on non maintenance thereof NIL Cheque Book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ Rs 50/- per chequebook PAP Cheque book NA Account Statements - Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement through Netbanking,Rs. 50 per statement through Phonebanking(IVR),ATM & Mobilebanking. Hold Statement Rs. 400 Managers Cheques/Demand Drafts- Issued - On HDFC Bank Locations DD request through Branch Upto Rs. 10000 Rs.50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking) Rs. 60 (Senior Citizens / Individuals in Rural areas) **Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking. Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs 10,000/-) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) (*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas)

Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank cheques drawn on Branch locations Regular Savings Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/locations Charges for

Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations Regular Savings Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local Due to insufficient funds Rs. 350 Due to Technical reasons - No charge Cheque return charges drawn Cheques deposited - outward Balance Enquiry - at Branch Balance Certificate Current Interest Certificate Rs. 50 TDS Certificate Free on us deposited in other locations Rs. 75 Rs. 50 Free year - Free, Previous year - Rs. 250

Account Closure Before 6 months - Rs. 100, After 6 months - No Charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Rs. 40 through Phonebanking), Range of Cheques - Rs. 100 (Rs. 80 through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Cash Delivery (in select cities) Rs. 50 per delivery subject to max value of Rs. 1 Lakh Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Free Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters - Cash transactions Free Local Cheque deposited for outstation accounts Free Phonebanking - IVR Free Phonebanking - Non IVR Free ATM Card NA ATM Card - Replacement charges NA ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Free Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Regular Free Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Balance enquiry and Cash withdrawal : Free PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India

due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs. 100 per year (plus taxes) - One add-on card free for the first year Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Rs. 25 (plus taxes) per qtr per account Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Through NetBanking - Free Through Branch - Free NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Rs.1,00,000 to Rs.5,00,000 -Rs.25/-, Rs.5,00,000 and above - Rs. 50/RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes)

FAQs

If you have any queries that are not answered here, please call us or write to us. Why should I open a Pension Salary account with HDFC Bank? How is tax calculated? What happens when my status changes from resident to non-resident? Which are the branches where I can open my pension account? Is the pension account transferable?

Why should I open a Pension Salary account with HDFC Bank? HDFC Bank is one of the first private sector Banks in the country which has been given the mandate to open/service pension accounts for pensioners under the Employees Pension Scheme 1995 and the Central Government Civil Pensions. Our Pension Accounts come with a host of attractive features such as : Zero Balance Free Personalized Cheque Books Free Debit cards Free facilities like Billpay, Phonebanking and Netbanking.

Free Inter-branch/ Inter-city banking We offer as: Attractive rates of interest on fixed Other attractive investment schemes Saving Bonds like 8% RBI Relief Bonds

(subject to terms/conditions). deposits, (country's top mutual funds, Tax etc.).

How is tax calculated? Calculation and deduction of tax-at-source is done at the NODAL OFFICE (CPU). The Pension Account holder is provided an Investment Declaration Form at the beginning of each financial year (by April 15th), which has to be submitted latest by June 1st of the same year, to the designated branch. The NODAL OFFICE (CPU) also issues a Form 16-A by April 15th in respect of the tax deducted during the previous financial year.

What happens when my status changes from resident to non-resident? You will have to provide necessary documents in support of the change in status. In addition, every year in the month of November, along with the statutory Life/Remarriage/Non-employment Certificate you will have to submit a certificate of residence issued by one of the following: Authorised official of the Embassy/ High Commission or Consulate Office in the country of stay, or, Notary Public, or, An officer of an Indian Public Sector Bank attached to its branch in your country of stay.You will then be required to open a Non-Resident (Ordinary) account for payment of pension. This account will have to be maintained as per the provision of the Foreign Exchange Management Act (FEMA). The amount of pension is not repatriable.

Which are the branches where I can open my pension account? You can open your account at any of our branches throughout the country.

Is the pension account transferable? Yes, in two ways: Transfer from one Authorised Branch to another Authorised Branch

The Payee Branch will forward the written request from the pensioner to transfer the pension payment account to Regional CPU / Nodal Office. Regional CPU / Nodal Office will need to close the existing pension account and open a new pension account in the new branch desired by the pensioner. Regional CPU / Nodal Office will also make necessary modifications and make a note on the P.P.O. under intimation to the pensioner within 3 days of opening of the new account. Transfer between Banks On receipt of the letter from the pensioner, Regional CPU / Nodal Office will return the PPO to the Link Branch which in turn will send it to CPAO/ RPFC. The CPAO/ RPFC will then forward PPO to the new Link Branch of the new Bank with endorsements. family saving group

Revised effective 5th Nov 09 for new customers

Bank together, Get more together! Get your entire family to bank with us. Group minimum 2 and maximum 4 accounts of members of your family under the Family Savings Group & enjoy the many advantages of banking together. Get freedom from the requirement of maintaining Average Quarterly Balance (AQB) in each account individually. All you need to do is ensure all accounts together maintain the required balance, this also means that any one of your accounts can maintain the required balance without worrying about the balances in the remaining accounts in the group! What's more, enjoy multiple other benefits listed below:

Free EasyShop International Debit Card for all account holders for lifetime of the group Gold Debit Card at Rs.250 for all applicants for lifetime of the group Free Bill payment and SMS alerts Free cash withdrawal transactions on any bank ATMs Savings account to savings account sweep-in to a nominated account* (sweep-in from NRO ac not allowed) Free DD/MCs on HDFC Bank locations upto Rs.50,000 per account per month (Request at branch) PAP chequebook Free of issuance charge Free monthly account statements

Special Bundled Offers:

Lockers : 25% discount on annual locker rent for the first year (1 locker per group, for new lockers only) Online Trading Accounts: Account opening charges Rs.799 One add-on Trading Account for Spouse Free One lac of Trade volume Free for both primary & add-on account holder (valid for the next 3 months from the date of account opening) Mudra Gold Bars : 3% discount on 2.5/5 gms 4.5% discount on 8/10/20/50 gms Credit Cards: Lifetime Free Gold / Titanium / Platinum cards as per eligibility Please note: All features are applicable till the accounts are a part of the FSG.FSG features will override individual product level features Eligibility

All members should hold individual HDFC Bank accounts. Minimum 2 & maximum 4 accounts can be grouped under a single Family Savings Group (FSG) NR accounts can also be grouped Savings Max Account, Current Accounts & HUF accounts cannot be grouped under the FSG The Customer ID of the Primary account holder in the group, will be the Group ID. The Primary account holder CANNOT be a Minor

Definition of Family: Family is primarily defined as spouse, father, mother, son, daughter, brother, sister, grand parents or grand children.

Fees & Charges for Family Savings Account

Description of Charges Family Savings Account Minimum Balance (Average Quarterly Balance) Combined Average Quarterly Balance (AQB) in all accounts grouped should be Rs. 40,000 (Urban & Semi-urban) Initial pay-in for new accounts:

New accounts being opened & grouped, should be opened with an initial pay-in amount equivalent to the AQB of that variant. (eg: Regular Savings Account should be opened with an initial pay-in of Rs.10,000, Senior Citizens Accounts or Kids Accounts should be opened with an initial pay-in of Rs.5,000) Charges on non maintenance thereof Combined AQB between Rs.20,000 but less than Rs.40,000 - Charges of Rs.1,000 per group per qtr. Charged to the account with the highest balance. Combined AQB is less than Rs. 20,000 - Charges of Rs.1,500 per group per qtr. Charged to the account with the highest balance. Cheque Book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ chequebook Rs 50/per

PAP Cheque book usage charges No Charges Account Statements - Free Monthly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations DD request through Branch Free DDs upto Rs.50,000 per account per month Above Rs. 50,000 charged at Rs. 2.50 per 1,000 on incremental amount (Max Rs.10,000) DD request through Phonebanking Upto Rs. 50,000 - Rs .30 (Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at Phonebanking ) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(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 benefiacry address) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free

Collection of outstation cheques - our bank locations cheques drawn on Branch locations Family Savings account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/- Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Charges

for

cheques drawn on Speed Clearing Branches Family Savings account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations Family Savings account Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/- Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Family Savings account Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited - outward Rs. 50 Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50

Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking and NetBanking), Range of Cheques - Rs. 100 (Free through Phonebanking and Net banking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Free 3 free in the quarter & Rs. 60 per additional transaction on nonmaintenance of Min balance (cash deposit/withdrawal) Cash transactions 5 cash transactions at branch will be allowed free per month. Every additional transaction will be charged @ Rs 100 per transaction effective 1st July 2010. Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Free per day, Above Rs. 50,000 - Rs. 2.90 per 1000 on the full amount. Local Cheque deposited for outstation accounts No Charge Phonebanking - IVR Free Phonebanking - Non IVR Free ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Balance enquiry - Free Free Cash withdrawal transactions at any other Bank ATM ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Free for all applicants Debit Card - Annual Fee - Gold Rs. 250 per year (plus taxes) for all applicants Debit Card - Annual Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Free Cash withdrawal transactions at any other Bank ATM Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Balance enquiry and cash withdrawals: Free PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes)

Add-on Debit Card - Regular Rs. 100 per year (plus taxes) - One add-on card free for the first year Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Free InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward RTGS - Outward: Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009. limited kyc no frills account HDFC Bank has introduced the Limited KYC No Frills Account, to make banking more accessible even when you are unable to furnish full KYC documents. This account offers you the comfort of all the basic banking facilities. You can open the Limited KYC Account through an introduction from an existing savings account holder who has been subjected to the full KYC procedure. Read on to know more about the benefits you get on the Limited KYC No Frills Account. Features & Benefits

Zero initial pay-in and a zero balance account Access a wide network of branches and over a thousand ATMs across the country to meet all your banking needs Bank conveniently with free NetBanking

Get half-yearly physical Account Statements free Opt for free monthly Email Statement facility Access your account through a free ATM Card Enjoy free Cash/Cheque Deposits at Branch/ATM Free cash withdrawal transactions at any Bank ATMS through Debit Card* 1 cash withdrawal free per month at the branch. Additional branch cash withdrawals in the month will be charged @ Rs.50/- per transaction. International Debit Card available only on request at the branch @ Rs. 100/- p.a. (plus applicable taxes) for each applicant. Cheque book of 25 leaves available on request, at the rate of Rs 5/per cheque leaf (non-PAP cheque book) Free IVR based PhoneBanking (Agent assisted calls will be charged*) Free MobileBanking facility Take advantage of BillPay, an instant solution to all your frequent utility bill payments. Instruct for payment over the phone or through the Internet*. Free InstaAlerts via emails or SMS Free Passbook facility available at home branch for account holders (individuals). Use the National Electronic Funds Transfer (NEFT) facility to transfer funds from your HDFC Bank Account to an account in another Bank at locations specified by RBI. *Refer to the Service & Fees Brochure

Eligibility & Account Operation

Eligibility to open a Limited KYC No Frills Account: You can open a Limited KYC No Frills Account if you are Resident individual who is part of the financially excluded segment and do not have full KYC documents. That is, a resident individual customer who does not have Photo ID proof as per the Bank's acceptable list of documents, and/or Address proof as per the Bank's acceptable list of documents Showing an annual income less than Rs. 50,000 p.a. Not holding any other existing account with any bank At the time of account opening, when you are unable to submit full KYC documents, then introduction from another existing savings account holder of the Bank shall be required. If you have full KYC documents as acceptable by the Bank, then the Limited KYC account will not be opened, and a regular savings account or No Frills account can be opened.

Account Operation

No initial payment is required to open a Limited KYC account No Average Quarterly Balance needs to be maintained Joint holding is allowed, however, only the primary applicant can be a Limited KYC customer The total balances in all your accounts should not exceed Rs. 50,000/at any point of time The total credits in all your accounts should not exceed Rs. 1,00,000/- in a financial year If the balances in all your accounts taken together exceed Rs 50,000/-, or the total credit amount exceeds Rs 1,00,000/- in a year, then no further transactions will be permitted until full KYC procedure is completed. In such cases, you have to close the Limited KYC Account and open a Regular Savings Account fulfilling the complete KYC norms as required by the Bank. Criteria of the Introducer: The introducer should be an adult (>=18 years) holding atleast one resident Savings Account (SB Regular or SB Salary) with HDFC Bank in an individual capacity The given Savings Account should have been opened at least 6 calendar months prior to the date of opening the Limited KYC Account The introducer should not be another Limited KYC Account or No Frills Account holder The introducer should have satisfactory operations in the account, as defined by the Bank The number of Accounts a person can introduce will be restricted The introducer will certify the name, address, occupation and photograph of the Limited KYC customer, in the prescribed format as required by the Bank The introducer cannot be the joint holder in the same Limited KYC Account

Fees & Charges for Limited KYC No Frills Account

Description of Charges No Frills Savings Account Minimum Balance (Average Quarterly Balance) ZERO

Charges on non maintenance thereof NA Cheque Book Cheque book consisting of 25 leaves charged at the rate of Rs 5/- per cheque leaf. Available on demand. PAP Cheque book NA Account Statements - Free Monthly physical statements to be collected from branch. Half yearly physical statements sent by post. Issue of duplicate / adhoc statements Rs.100 at branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through NetBanking, PhoneBanking (IVR), & MobileBanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issuance/Re-issuance - On HDFC Bank Locations DD request through Branch Upto Rs. 10,000 Rs.50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Rs. 30 through Phonebanking Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 30 through Phonebanking) Rs. 60 (Senior Citizens / Individuals in Rural areas) **Only DD amount upto Rs 100,000 for Preferred/Imperia & Rs 50,000 for other customers accepted at Phonebanking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs 10,000/-) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(Corr. Bank charges if applicable) (*Third Party Registration required. Customers registered for Third Party Transfers have a maximum limit of Rs. 10 Lakh per cust id and hence can issue multiple DDs of Rs. 1 Lakh up to Rs. 10 Lakh and send it to the beneficiary address) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs 300 - to Max Rs 10,000/-) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Charges cheques drawn on Branch locations Limited KYC No Frills Accounts Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) for

Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Limited KYC No Frills Accounts Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Collection of outstation cheques - other locations Charges for cheques drawn on Non-Branch locations Limited KYC No Frills Accounts Upto Rs 5,000 Rs. 25/-, (Rs. 20/- for Rural branches / Senior Citizens Account) Rs. 5,001/- to Rs. 10,000/Rs. 50/-, (Rs. 40/- for Rural branches / Senior Citizens Account) Rs. 10,001/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/cheques drawn on Speed Clearing Branches Limited KYC No Frills Accounts Upto Rs. 1,00,000 No charges Rs. 1,00,001/- and above Rs. 140 /- per instrument Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited - outward Rs. 50 Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking and NetBanking), Range of Cheques - Rs. 100 (Free through Phonebanking and Net banking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch / ATM / Debit Card transactions Free Cash Deposits at Branch Free transactions at HDFC Bank ATMs

1 Free cash withdrawal per month at the Branch Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Cheque deposits at branches will be free of charge and without any restrictions Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Free per day, Above Rs. 50,000 - Rs. 2.90 per 1000 on the full amount. Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed Local Cheque deposited for outstation accounts No Charge Phonebanking - IVR Free Phonebanking - Non IVR Rs. 50 per call (Agent assisted calls). ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Rs.100 per year (plus taxes) Debit Card - Renewal Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs.100 per year (plus taxes) Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Balance enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs. 100 per year (plus taxes) Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per quarter per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction

NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes)

kisan no frill saving a/c Features & Benefits

Access a wide network of branches and over a thousand ATMs across the country to meet all your banking needs Initial Pay-In & AQB requirement = Nil Free Cash Deposit at ATM / Branch One Branch Cash Withdrawal Transaction free per month Free Balance Enquiry / Cheque Deposit / Mini Statement transactions on HDFC Bank ATMs Use the Free National Electronic Funds Transfer (NEFT) facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI Enjoy Free IVR based PhoneBanking. (Agent assisted calls will be charged*) Free NetBanking , MobileBanking and PhoneBanking Free Passbook facility available at home branch for account holders (individuals). Free Monthly email statements . First Cheque book consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf. Free cash withdrawal transactions at any Bank ATMS through Debit Card. International Debit Card available only on request at the branch @ Rs. 100/- p.a. (plus applicable taxes) for each applicant.

* Conditions Apply

Eligibility & Account Operation

Individuals fulfilling the following set of criteria are eligible to open a Kisan No Frills Savings Account: Resident Individuals (sole or joint account) who may be an Agriculturalists / Farmers having own Agricultural Land or having income from Agricultural Resources. Customers can open Kisan No frills SA if he does not have a bank account and has an annual income of less than or equal to Rs 50,000 OR he does not have a bank account and is a beneficiary under a government welfare scheme.

Account Operation Initial Pay-In & AQB requirement = Nil Charges on non-maintenance of AQB = Nil Extra cheque books @ Rs. 5 per leave. Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. SB a/c opening form. Valid ID/ Address Proof. PAN Card / Form 61.Form 60 (if required). 1 Passport Size photograph. KYC & AML Form. Customer Self declaration Fees & Charges for Kisan No Frills Savings Account

Description of Charges Kisan No Frills Savings Account Minimum Balance (Average Quarterly Balance) Nil Charges on non maintenance thereof Nil Initial Pay-in Nil Cheque Book One 25 Leaves Cheque Book free Extra Cheque Book @ Rs. 5 per leave. Account Statements - Free Quarterly statements sent by post. Passbook issuance* Free Duplicate passbook issuance* Rs 100/Cheque Collection - Local Clearing Zone Free Balance Enquiry / Cheque Deposit / Mini Statement transactions on HDFC Bank ATMs Free Branch transactions Free Cash Deposit at ATM / Branch. One free cash withdrawal transaction at Branch Phonebanking Free

Mobilebanking Free Netbanking Free ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes). *at home branch for account holders (individuals) Other Charges as per S&F brochure apply. As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009

kisan club savings account Features & Benefits

Free Personalised Cheque Book. Free PAP Cheque Book (issued only on request). No Cheque Book Charges (issuance charges as per S&F brouchure apply). Free International Debit Card for 1st Year. Free Personal Accident Insurance cover of Rs.2.00 Lacs on Debit Card. Inter Branch Banking. Free PhoneBanking , MobileBanking and NetBanking Free Passbook facility available at home branch for account holders (individuals). Free Monthly email statements .

Eligibility & Account Operation

Resident Individuals (sole or joint account) who are involved in the process of farming and own Agricultural Land.

Account Operation Option 1: Initial Pay-In & AQB requirement is Rs. 10,000/-. In case of Semi Urban Branches AQB is Rs. 5000/-. Charges on non-maintenance of AQB - Rs.750/- per quarter. Option 2: Min. AQB Nil (A/c to be opened with Rs.10,000). Fixed Deposit maintenance Rs. 50,000/-. Charges on non-maintenance (Rs. 50,000 in FD or Rs.10,000 AQB) - Rs.750/- per quarter. Valid ID/ Address Proof. Copy of land revenue record of the farmer (Jamabandi / Khasra Khatoni No.) *

Cheque / Cash for Initial pay-in. * Different States would have different types of land revenue records. Hence please ensure to enclose relevant & correct land revenue documents.

Fees & Charges for Kisan Club Savings Account

Description of Charges Kisan Club Savings Account Minimum Balance (Average Quarterly Balance) Applicable for new accounts opened effective 1st March 09 Option 1 Rs.10,000 (Urban Branches) Rs.5000 (Semi Urban Branches). Option 2 NIL with a Fixed Deposit of Rs. 50,000 Charges on non maintenance thereof Option 1 Non-maintenance of AQB would be attract charges of Rs.750 per quarter. Option 2 Non-maintenance of Rs 50,000 in Fixed Deposit would attract charges of Rs. 750 per quarter. Initial Pay-in Option 1 Rs.10,000 (Urban Branches) Rs.5000 (Semi Urban Branches). Option 2 Rs.10,000 with a Fixed Deposit of Rs.50,000. Cheque Book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ Rs 50/- per chequebook Account Statements - Free Quarterly statements sent by post. Passbook issuance* Free Duplicate passbook issuance* Rs 100/Cheque Collection - Local Clearing Zone Free Balance Enquiry / Cheque Deposit / Mini Statement transactions on HDFC Bank ATMs Free Phonebanking Free Mobilebanking Free Netbanking Free International Debit Card Free for 1st Year. Annual Charges Rs. 100 applicable from 2nd year onwards. Debit Card - Replacement charges Rs. 100 (plus taxes). *at home branch for account holders (individuals) Other Charges as per S&F brochure apply. As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

salary account

payroll account The HDFC Bank Payroll Account comes with the following features: Features & Benefits

Zero Balance Account Nil Interest payout on account balance Free International Debit Card with cash withdrawal limit of Rs. 25,000/- per day and Point Of Sale usage limit of Rs.40,000/- per day Personal Accident Death Cover of Rs. 2,00,000/-* Half yearly account statements Free Monthly Account Statements by email (optional) Free Passbook facility available at home branch for account holders Free InstaAlert Facility. Free NetBanking, PhoneBanking, MobileBanking. Branch transactions at Rs. 60/- per transaction.

Fees & Charges for Payroll Salary Account

Description of Charges Payroll Salary Account Minimum Balance (Average Quarterly Balance) NIL Charges on non maintenance thereof NIL Cheque Book Rs. 5 per leaf PAP Cheque book NA Account Statements - Free Monthly statements to be Collected from branch. Half yearly statements sent by post. Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, PhoneBanking (IVR), & MobileBanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issued - On HDFC Bank Locations Free upto Rs. 25,000/DD request through Branch Above Rs. 25,000 Upto Rs. 50,000 Rs. Rs. 75 (Rs. 30 through Phonebanking) Rs. 60 for Senior Citizens / Individuals in Rural Areas. **Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking. Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs. 10,000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable)

Third party DD upto Rs. 1,00,000 Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50. Rs. 40 (Senior Citizens / Individuals in Rural areas.) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300 to Max Rs 10,000) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Collection of outstation cheques - other locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument

Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited returned unpaid Local: Rs 50/Outstation: Rs 100/Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No Charge 15 days upto 6 months-Rs.100/Above 6 months-No Charge Photo Attestation Rs. 50 Signature Attestation Rs 50 Rs 40 (Senior Citizen / Individulas in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft Rs 100 per Occasion + 18% Interest p.a Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Rs. 60 per transaction (cash deposit/withdrawal, funds transfer, balance enquiry) Interbranch transactions through teller counters - Funds Transfer Rs 60/- per transaction Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Rs. 60 per transaction, Above Rs. 50,000 - Rs. 2.90 per 1000

Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed Third party cash transactions at home branch through teller counters Rs. 60 per transaction Local Cheque deposited for outstation accounts No Charges Phonebanking - IVR Free Phonebanking - Non IVR Free ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Free Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Annual Fee - Women's Card Free Debit Card - Renewal Fee - Regular Free Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Free Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction - For details on special pricing for your Corporate, please contact your Branch Manager Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs. 100 per year (plus taxes) Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Titanium Rs. 250 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction

Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Rs. 2 lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009

classic salary a/c HDFC Bank Corporate Salary Advantage Account comes with a world of convenience loaded with special benefits and features to provide you a unique banking experience. The easy-to-operate Salary Advantage Account can be accessed from a large network of branches as well as through the ATM, Internet, Phone and Mobile. Features & Benefits

Zero Balance Savings Account Free International Debit Card with cash withdrawal limit of Rs. 25,000/- per day and Point Of Sale usage limit of Rs.40,000/- per day Half yearly account statements Free Monthly Account Statements by email (optional) Free Passbook facility available at home branch for account holders Free InstaAlert Facility. Free NetBanking, PhoneBanking, MobileBanking. Anywhere Banking across our extensive Branch and ATM network BillPay facility

Fees & Charges for Classic Salary Account

Description of Charges Classic Salary Account Minimum Balance (Average Quarterly Balance) NIL Charges on non maintenance thereof NIL Cheque Book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ Rs 50/- per chequebook Account Statements - Free Monthly statements to be Collected from branch. Half yearly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, PhoneBanking (IVR), & MobileBanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issued - On HDFC Bank Locations Free upto Rs. 25,000. DD request through Branch Above Rs. 25,000 Upto Rs. 50,000 Rs. 75 (Rs. 30 through Phonebanking) Rs. 60 for Senior Citizens / Individuals in Rural Areas **Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking. Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs. 10,000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1,00,000 Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas.) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300 to Max Rs 10,000) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Cheques drawn on Speed Clearing Branches Salary Account

Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Collection of outstation cheques - other locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited returned unpaid Local: Rs 50/Outstation: Rs 100/-

Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No Charge 15 days upto 6 months-Rs.100/Above 6 months-No Charge Photo Attestation Rs. 50 Signature Attestation Rs 50 Rs 40 (Senior Citizen / Individulas in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft Rs 100 per Occasion + 18% Interest p.a Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions 5 Cash transactions will be allowed without charges in a calendar month; Additional Cash transaction will be charged @Rs. 100/- per transaction Interbranch transactions through teller counters - Funds Transfer Free Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed Local Cheque deposited for outstation accounts Free Phonebanking - IVR Free Phonebanking - Non IVR Free ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Free Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Annual Fee - Women's Card Free Debit Card - Renewal Fee - Regular Free Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Free Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs - Balance enquiry : Free - 5 free cash withdrawals per month

- Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction - For details on special pricing for your Corporate, please contact your Branch Manager Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs. 100 per year (plus taxes) Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Titanium Rs. 250 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Rs. 2 lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

regular salary account HDFC Bank Corporate Salary Advantage Account comes with a world of convenience loaded with special benefits and features to provide you a unique banking experience. The easy-to-operate Salary Advantage Account

can be accessed from a large network of branches as well as through the ATM, Internet, Phone and Mobile. Features & Benefits

Zero Balance Savings Account Free Payable at par Cheque book of 25 leaves per calendar quarter Free International Debit Card with cash withdrawal limit of Rs. 25,000/- per day and Point Of Sale usage limit of Rs.40,000/- per day Free Demand Drafts / Managers Cheque up to Rs 25,000 per instrument payable at HDFC Bank branch locations. Free Personal Accident Death Cover of Rs. 1,00,000/- * Anywhere Banking across our extensive Branch and ATM network Quarterly account statements Free Monthly Account Statements by email (optional) Free Passbook facility available at home branch for account holders Free InstaAlert Facility. BillPay facility Free NetBanking, PhoneBanking, MobileBanking. Preferential rates on loan products offered by the bank Preferential rates on forex transactions * Terms & Conditions Apply

regular salary account Fees & Charges for Regular Salary Account

Description of Charges Regular Salary Account Minimum Balance (Average Quarterly Balance) NIL Charges on non maintenance thereof NIL PAP Cheque book Free - 25 cheque leaves per calendar quarter Additional chequebook chequebook of 25 leaves will be charged @ Rs 50/per

Account Statements - Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, PhoneBanking (IVR), & MobileBanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issued - On HDFC Bank Locations Free upto Rs.25,000

DD request through Branch Above Rs. 25,000 Upto Rs. 50,000 Rs. 75 (Rs. 30 through Phonebanking)& Rs. 60 for Senior Citizens / Individuals in Rural Areas **Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking. Above Rs. 50,000 & Upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs. 10,000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1,00,000 Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50. Rs. 40 (Senior Citizens / Individuals in Rural areas.) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300 to Max Rs 10,000) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Collection of outstation cheques - other locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited returned unpaid Local: Rs 50/Outstation: Rs 100/Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No Charge 15 days upto 6 months-Rs.100/Above 6 months-No Charge Photo Attestation Rs. 50 Signature Attestation Rs 50 Rs 40 (Senior Citizen / Individulas in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft Rs 100 per Occasion + 18% Interest p.a Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges

Branch transactions 5 Cash transactions will be allowed without charges in a calendar month; Additional Cash transaction will be charged @Rs. 100/- per transaction Interbranch transactions through teller counters - Funds Transfer Free Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed Local Cheque deposited for outstation accounts Free Phonebanking - IVR Free Phonebanking - Non IVR Free ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Free Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Free Debit Card - Annual Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Renewal Fee - Regular Free Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Free Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction - For details on special pricing for your Corporate, please contact your Branch Manager Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs 100 per year (plus taxes)-One Add-on card free for the first year Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Titanium Rs. 250 per year (plus taxes) Add-on Debit Card - Women's Card Rs 100 per year (plus taxes)-One Addon card free for the first year BillPay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL

NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Rs. 2 lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

premium salary a/c

HDFC Bank Corporate Salary Advantage Account comes with a world of convenience loaded with special benefits and features to provide you a unique banking experience. The easy-to-operate Salary Advantage Account can be accessed from a large network of branches as well as through the ATM, Internet, Phone and Mobile. Features & Benefits

Zero Balance Savings Account Free Payable at par Cheque book of 25 leaves per calendar quarter Free for Life Titanium Debit Card for the Primary Account holder with ATM cash withdrawal limit of Rs. 50,000/- per day and Point Of Sale usage limit of Rs. 75,000/- per day Free for life Add-on Debit card for Joint Account Holders. Free Demand Drafts / Managers Cheque up to Rs 25,000 per instrument payable at HDFC Bank branch locations. Free Personal Accident Death Cover of Rs. 5,00,000/- * Anywhere Banking across our extensive Branch and ATM network Monthly account statements Free Monthly email statements by email (optional)

Free Passbook facility available at home branch for account holders Free InstaAlert Facility. Free BillPay facility Free NetBanking, PhoneBanking, MobileBanking. Free Demat Account (Folio Maintenance Charge waived for the first year) Preferential rates on loan products offered by the bank Preferential rates on forex transactions

Fees & Charges for Premium Salary Account

Description of Charges Premium Salary Account Minimum Balance (Average Quarterly Balance) NIL Charges on non maintenance thereof NIL PAP Cheque book Free - 25 cheque leaves per calendar quarter Additional chequebook chequebook of 25 leaves will be charged @ Rs 50/per

Account Statements - Free Monthly Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, PhoneBanking (IVR), & MobileBanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issued - On HDFC Bank Locations Free upto Rs.25,000 DD request through Branch Above Rs. 25,000 upto Rs. 50,000 Rs. 75 (Rs. 30 through Phonebanking) & Rs. 60 for Senior Citizens / Individuals in Rural Areas. **Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking. Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs. 10,000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1,00,000 Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas.) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15

Above Rs. Above Rs. Above Rs. Above Rs. 10,000)

1000 to Rs. 5000 Rs. 25 5000 to Rs. 10,000 Rs. 30 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300 to Max Rs

Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Collection of outstation cheques - other locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited returned unpaid Local: Rs 50/Outstation: Rs 100/Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No Charge 15 days upto 6 months-Rs.100/Above 6 months-No Charge Photo Attestation Rs. 50 Signature Attestation Rs 50 Rs 40 (Senior Citizen / Individulas in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft Rs 100 per Occasion + 18% Interest p.a Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions 5 Cash transactions will be allowed without charges in a calendar month; Additional Cash transaction will be charged @Rs. 100/- per transaction Interbranch transactions through teller counters - Funds Transfer Free Third party cash transactions at non-home branches through teller counters- Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed Local Cheque deposited for outstation accounts Free Phonebanking - IVR Free Phonebanking - Non IVR Free ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Free Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Free Debit Card - Annual Fee - Titanium Free Debit Card - Renewal Fee - Regular Free Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Free

Debit Card - Renewal Fee - Titanium Free Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction - For details on special pricing for your Corporate, please contact your Branch Manager Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Free Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Free Add-on Debit Card - Titanium Rs. 250 per year (plus taxes) BillPay Free InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Rs. 2 lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

defence salary a/c Are you employed with the Indian Army, Indian Air force or Indian Navy? Then this account is for you. Rather than collecting your cheque/cash at the end of the month, you can instruct your salary wing to start crediting your salary to your Defence Salary Account. Features & Benefits

Zero Balance Savings Account Free Cash Withdrawal transaction at Non HDFC Bank ATMs ( Domestic Locations) Free for Life Titanium Debit Card for the Primary Account holder with ATM cash withdrawal limit of Rs. 50,000/- per day and Point Of Sale usage limit of Rs. 75,000/- per day Free for life Add-on International Debit Card for all secondary Holders Anywhere Banking across our extensive Branch and ATM network Free Monthly Account Statements by email (optional) Free Passbook facility available at home branch for account holders Free Demand Drafts / Managers Cheque at HDFC Bank branch locations Free Personal Accident Death Cover* Free InstaAlert Facility. Free BillPay facility Free NetBanking, PhoneBanking, MobileBanking. Free Demat Account (Folio Maintenance Charge waived for the first year) Preferential pricing on loan products offered by the bank Preferential rates on forex transactions

Fees & Charges for Defence Salary Account

Description of Charges Defence Salary Account Minimum Balance (Average Quarterly Balance) NIL Charges on non maintenance thereof NIL PAP Cheque book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ Rs 50/- per chequebook Account Statements - Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, PhoneBanking (IVR), & MobileBanking.

Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issued - On HDFC Bank Locations Free Unlimited Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas.) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300 to Max Rs 10,000) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Collection of outstation cheques - other locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches"

Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited returned unpaid Local: Rs 50/Outstation: Rs 100/Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No Charge 15 days upto 6 months-Rs.100/Above 6 months-No Charge Photo Attestation Rs. 50 Signature Attestation Rs 50 Rs 40 (Senior Citizen / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions setting up Rs. 150 per transaction plus remittance charge Unarranged overdraft Rs 100 per Occasion + 18% Interest p.a Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions Free Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters - Cash transactions Free Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.50,000 per day - Free. Above Rs.50,000 - Not allowed Third party cash transactions at home branch through teller counters Free Local Cheque deposited for outstation accounts Free Phonebanking - IVR Free Phonebanking - Non IVR Free ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Free Unlimited ATM Card - Transaction charge for Non-Partner banks NA

Debit Card - Annual Fee - Titanium: Free Debit Card - Annual Fee - Regular Free Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Free Debit Card - Renewal Fee - Titanium: Free Debit Card - Renewal Fee - Regular Free Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Free Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Free Unlimited Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Free Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Free Add-on Debit Card - Titanium Rs. 250 per year (plus taxes) BillPay Free InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Free NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Free RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009

no frills saving account

As a financial inclusion initiative, we have introduced the "No Frills Salary" product specifically targeted at the "urban" poor and the low salaried class. This is a Zero Balance Salary Account!

Features & Benefits

Access a wide network of branches and ATMs across the country to meet all your banking needs. Bank conveniently with facilities like Free NetBanking and MobileBanking. Free InstaAlert Facility Free IVR based PhoneBanking. (Agent assisted calls will be charged*). Use the Electronic Funds Transfer (EFT) facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI. Quarterly Account Statements Free Monthly email statements by email (optional). Branch / ATM / Debit Card Transaction Free Cash Deposit at Branch / ATMs 1 free Cash withdrawal per month at the Branch Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Unlimited free ATM Cash withdrawals at HDFC Bank ATMs. Free Passbook facility available at home branch for account holders First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf. Access your account through a Free ATM Card

Eligibility & Account Operation

The following are eligible to open a 'No Frills' Savings Account: The customer should be employed with the corporate having a salary relationship with HDFC bank. Employee's average salary needs to be below Rs. 4,000/- per month.

Account Operation No Initial Payment is required to open a 'No Frills' account and No Average Quarterly Balance needs to be maintained.

As per the Finance Bill 2009, all fees and charges mentioned in the Tarriffs, Charges or Fees Brochures will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009. The same will appear as separate debits in the statements.

Fees & Charges for No Frills Salary Account

Services Corporate Salary Minimum Balance NIL Charges on non maintenance thereof NIL Cheque Book First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf. PAP Cheque book NA Account Statements - Free Free Quarterly (by post), Free monthly statements if the customer collects from the branch Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, PhoneBanking (IVR), & MobileBanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issued - On HDFC Bank Locations Free upto Rs. 25,000. DD request through Branch Above Rs. 25,000 Upto Rs. 50,000 Rs 75 (Rs.30 through Phonebanking) Rs 60 ( Senior Citizen / Individuals in Rural areas) **Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking. Above Rs.50,000 & upto Rs 1 Lakh Rs 2.50 per 1000 or part thereof ( Min Rs 150 ) Above Rs. 1 Lakh Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs. 10,000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakh Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 / Rs 40 (Senior Citizens / Individual in Rural Areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below:

Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300 to Max Rs 10,000) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Collection of outstation cheques - other locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/-

Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited returned unpaid Local: Rs 50/Outstation: Rs 100/Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No Charge 15 days upto 6 months-Rs.100/Above 6 months-No Charge Photo Attestation Rs. 50 Signature Attestation Rs 50 Rs 40 (Senior Citizen / Individulas in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft Rs 100 per Occasion + Applicable Interest Rate Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch / ATM / Debit Card Transaction Free Cash Deposits at Branch Free transactions at HDFC Bank ATMs 1 Free cash withdrawal per month at the Branch Additional cash withdrawal in the month will be charged at Rs. 50 per transaction Interbranch transactions through teller counters - Funds Transfer Free Interbranch transactions through teller counters - Cash transactions Cash Deposit Upto Rs. 50,000 - Free, Above Rs. 50,000 - Rs. 2.90 per 1000 Local Cheque deposited for outstation accounts NIL Phonebanking - IVR Free Phonebanking - Non IVR Rs. 50 per call ( agent based) ATM Card Free ATM Card - Replacement charges Rs.100 (plus taxes) ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Balance Enquiry - Free Cash withdrawal - 5 free cash withdrawal transaction per month at NonHDFC Bank ATM. Additional transaction done at Non-HDFC Bank ATM - Rs 20/- per transaction Per transaction limit will be Rs 10,000/-

ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Annual Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Annual Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction - For details on special pricing for your Corporate, please contact your Branch Manager Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs. 100 per year (plus taxes) Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Titanium Rs. 250 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Rs. 2 lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes)

reimbursement current account No more paperwork, no more receipts to keep track of - a hassle-free account that allows you to deposit the reimbursements you receive from your company on a monthly basis. How to Open a Reimbursement Account Procure an Account Opening Document (AOD) from HDFC Bank. (If you have just joined, first request your company to open up a Salary Account for you). Mention your Salary Account number and your Debit Card number on the AOD so that your Debit card can be linked to both, your Salary Account as well as your new Reimbursement Account. Request your company to directly credit cash payments to the Reimbursement Account. Features & Benefits

Easily distinguish between reimbursements and basic monthly salary. Choose from either your Salary Account or your Reimbursement Account when withdrawing cash from HDFC Bank ATMs. Utilise NetBanking, PhoneBanking and MobileBanking facilities. Receive half-yearly statements of all your reimbursements, thus doing away with filing individual receipts. No need to maintain a minimum balance (Zero Balance Account) Receive a separate cheque book (on request) for your Reimbursement Account.

Eligibility

The Reimbursement Account is aimed at salaried employees. As an employed individual, you will need to open an HDFC Bank Salary Account through your company. Click here to learn more about a Corporate Salary Account. As per the Finance Bill 2009, all fees and charges mentioned in the Tarriffs, Charges or Fees Brochures will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009. The same will appear as separate debits in the statements.

Fees & Charges for Reimbursement Current Account

Description of Charges Reimbursement Current Account Minimum Balance (Average Quarterly Balance) NIL Charges on non maintenance thereof NIL Cheque Book Free - 25 cheque leaves per calendar quarter Additional chequebook of 25 leaves will be charged @ Rs 50/- per chequebook PAP Cheque book NA Account Statements - Free Monthly statements to be Collected from branch. Half yearly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, PhoneBanking (IVR), & MobileBanking. Hold Statement Rs. 400 per year Passbook issuance* Free Duplicate passbook issuance* Rs 100/Managers Cheques/Demand Drafts- Issued - On HDFC Bank Locations DD request through Branch Upto Rs. 50,000 Rs. 75 (Rs. 30 through Phonebanking) **Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 100) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Max Rs. 10,000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(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) Managers Cheque/Demand Drafts - Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued - On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300 to Max Rs 10,000) Cheque Collection - Local Clearing Zone Free Collection of outstation cheques - our bank locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh

No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Collection of outstation cheques - other locations Cheques drawn on Speed Clearing Branches Salary Account Upto Rs. 1 Lakh No charges Above Rs 1 Lakh Rs. 150 /- per instrument Charges for cheques drawn on Branch locations not on Speed Clearing Salary Account Upto Rs 10,000 "Rs. 50/-, Rs. 40/- for Rural branches" Rs. 10,000/- to Rs. 1,00,000/Rs. 100/Rs. 1,00,001/- and above Rs. 150/-

Cheque return charges drawn on us - Local Due to Insufficient funds First cheque return in a quarter - Rs 350/From second cheque return in the same quarter Rs 750/- per return Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited returned unpaid Local: Rs 50/Outstation: Rs 100/Balance Enquiry - at Branch Free Balance Certificate Current year - Free, Previous year - Rs. 250

Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days - No charge 15 days upto 6 months - Rs 100/Above 6 months - No charge Photo Attestation Rs. 50 Signature Attestation Rs 50 Rs 40 (Senior Citizen / Individulas in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft Rs 100 per Occasion + 18% Interest p.a Old records/copy of paid cheques Upto 1 year - Rs. 50 per record, Above 1 year - Rs. 100 per record Activation of dormant account No charges Branch transactions 5 Cash transactions will be allowed without charges in a calendar month; Additional Cash transaction will be charged @Rs. 100/- per transaction Interbranch transactions through teller counters - Funds Transfer Free Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.50,000 per day - Rs.100 (plus taxes). Above Rs.50,000 - Not allowed Local Cheque deposited for outstation accounts Free Phonebanking - IVR Free Phonebanking - Non IVR Free ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks NA ATM Card - Transaction charge for Non-Partner banks NA ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank: - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction Debit Card - Annual Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Annual Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Titanium Rs. 250 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs. 100 per year (plus taxes) Debit Card - Replacement charges Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs - Balance enquiry : Free - 5 free cash withdrawals per month - Rs. 20 per transaction will be levied for additional ATM cash withdrawal beyond the first 5 transactions. - Withdraw a maximum of Rs. 10,000 per transaction

- For details on special pricing for your Corporate, please contact your Branch Manager Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card - Regular Rs. 100 per year (plus taxes) Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Titanium Rs. 250 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Rs 50 per quarter ( plus taxes) Visa Money Transfer Rs. 20 (plus taxes) per transaction NEFT Charges - Inward NIL NEFT Charges- outward Upto Rs. 1 lakh - Rs. 5 (inclusive of taxes) per transaction Above Rs. 1 lakh to 2 Lakhs - Rs. 15 (inclusive of taxes) per transaction Above Rs 2 Lakhs - Rs. 25 (inclusive of taxes) per transaction NEFT Charges for Indo Nepal transactions Customers having NSBL*A/c Rs 20/Customers having Non-NSBL* A/c: Upto Rs 5,000 - Rs 70/Above Rs 5,000 - Rs 95/* Nepal State Bank Ltd RTGS - Outward Rs. 2 lakhs to 5 Lakhs - Rs. 25 (inclusive of taxes) per transaction Above Rs 5 Lakhs - Rs. 50 (inclusive of taxes) per transaction RTGS - Inward NIL Mobilebanking Free Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) *at home branch for account holders (individuals) As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

FAQs

If you have any queries that are not answered here, please call us or write to us. Why do I need a Reimbursement Account?

Will I earn interest on the Reimbursement Account? What do I need to do to open a joint account? Will I be entitled to the same kind of benefits on this account as my Salary account? Will I be able to access both my accounts at all establishments/ATMs through a single Debit card? Can I use this account for regular cheque/cash deposits & withdrawals?

Why do I need a Reimbursement Account? The Reimbursement Account enables you to separate your regular monthly salary from the monthly reimbursements you receive from your company. This helps you track reimbursements separately.

Will I earn interest on the Reimbursement Account? The Reimbursement Account is a current account and hence a non-interest bearing account.

What do I need to do to open a joint account? The Reimbursement Account has to be in the same order as your Salary Savings Account. In case your Salary savings account is a joint one then a separate introduction is not required and you only need to add the name in the (Account Opening Document) AOD.

Will I be entitled to the same kind of benefits on this account as my Salary account? The features & benefits on the Reimbursement account are as follows: Half Yearly Statements Debit card (Existing debit card will be linked) Free PhoneBanking Free MobileBanking Free NetBanking Inter-city and inter-branch banking Joint Account Zero Balance

Will I be able to access both my accounts at all establishments/ATMs through a single Debit card?

Your existing card will be linked to both accounts. Any additional card will be charged at the regular rates. At HDFC BANK ATMs you will have the option of selecting either account for transacting. At other VISA/PLUS ATMs (Other Banks ATMs) you may or may not have access to both accounts. Where such an option is not available, you can only access your salary account. VISA Electron Debit cardholders can access only the Salary Account at merchant locations & not the Reimbursement Account for transactions. Maestro Debit Cardholders may be able to select between the Salary Account and Reimbursement Account at merchant locations.

Can I use this account for regular cheque/ Cash deposits & withdrawals? Yes, you can use it as a regular account for typical banking transactions.