PUNJAB NATIONAL BANK

SAVINGS FUND ACCOUNT

BASIC SAVING BANK DEPOSIT ACCOUNT (BSBDA)

Eligibility: Saving Fund account can be opened by an INDIVIDUAL singly or jointly, minors of
the age of 10 years and above, minors under natural/legal guardianship. An illiterate or a
visually impaired person is also eligible to open Saving Fund account under the scheme with
usual safeguards.
2. Minimum balance/Initial Balance requirement: ZERO.
3. Issuance of Cheque Book: A cheque book of 20 leaves may be issued free of cost in a year.
Thereafter, normal cheque book charges would be applicable.
4. Extent of transactions/ Operation permitted:
There will be no limit on the number of deposits that can be made in a month.
Account holder will be allowed a maximum of four withdrawals in a month, including
ATM withdrawal.
5. Debit Card/ATM Card: Facility of ATM-cum-Debit Card shall be available without any
charge. However, annual maintenance charge shall be recovered.
6. No charge will be levied for non-operation/activation of in-operative of Basic Saving Bank
Deposit Account.

PNB Vidyarthi SF Account Scheme

Zero Balance, Zero Charges Saving Fund Account for Students
PNB Vidyarthi Savings Fund Account Scheme

Eligibility
Accounts can be opened in the name of students studying at VARIOUS RECOGNISED
EDUCATIONAL INSTITUTIONS.The account will remain in this Scheme till the age
of 21 years of the Account Holder.


ATTRACTIVE FREEBIES




Total Freedom Salary Account


Purpose:
To offer an attractive Saving Fund Account to Corporate Employees for enabling them to have their Salary Credited
as well as availing overdraft facility up to Rs. 50,000/- or the last salary credited in the account whichever is lower, at
our interest rates applicable to Personal Loans to employees, it would be adjustable in bullet repayment at the time of
next salary credit.
Initial Deposit and Minimum Balance Requirements :
ZERO
If the salary is not credited in the salary account of the customer for the last two consecutive months where the
account is introduced by the employer, then the concerned salary account shall be deactivated without giving any
further notice to this effect and the account be transfered to general category Saving Fund Account.
Other Facilities offered:
The following facilities are also be provided under the scheme:
Overdraft facilty upto Rs.50000/- or last Salary credited in the account whichever is lower.
Free Cheque: 40 cheques leaves free per annum.
Free Statement of Accounts;
Free issuance of all types of certificates including interest certificate and balance certificate, etc;
Free of Cost issuance of PNB Debit/ATM Card; however, annual charges shall be recoverable.
RTGS/NEFT Transaction: Free if routed through the account.
50% discount in one locker(small & medium size) at the branch convenient to customer for 1st year only.
50% discount on D-mat account maintainance charges levied by bank for first year only.
PREMIUM SAVING ACCOUNT
Saving Account can be opened by Individuals (either singly or jointly),
Associations, Trusts, Hindu Undivided Families (HUFs), Clubs, Societies etc.
subject to fulfilling eligibility criteria (domestic depositors) of Reserve Bank of
India, on compliance of Know Your Customer(KYC) Guidelines, execution of
Account Opening Form and completion of requisite formalities, viz photographs,
identity and address proof, etc.


BRIEF OF THE PLAN






CURRENT ACCOUNT

PNB SMART BANKING CURRENT ACCOUNT
A Current Account loaded with most desirable features, privileges, flexibility and wider choice of
variants to cater to the diversified banking needs for any business activity - with or without Sweep-in
and Sweep-out facility.



PNB CURRENT ACCOUNT

Current Deposit Account is very convenient product for frequent banking transactions by
Individuals, Firms, HUF, Companies, institutions etc. There is no limit on number of transactions
in such accounts and are most suitable for business operations. The product is available at all
branches.




PNB RECURRING DEPOSIT SCHEME
Brief features of the product:
Individual (singly or jointly) with others.
Minor who have attained the age of 10 years and above in his/her own name on giving proof of
age.
Minors below the age of 10 years under guardianship of Natural/legal guardian.
Proprietorship/Partnership Firm, Commercial Organization, Company / Corporate Body
Hindu Undivided Family
Association, Club, Society, Trust or Religious/Charitable Educational Institutions,
Municipality or Panchayat, Government or Quasi-Government body.
Illiterate and blind persons can also open accounts.
100/- and in multiples thereof
Terms & Conditions:
Period of RD - 6 months to 120 months in multiple of 3 months
Premature withdrawal is allowed.
No TDS is applicable.
Withdrawals on maturity or one month after deposit of last installment, whichever is later.
No TDS applicable
Generally loans/overdrafts against deposits are allowed.
Interest on overdue deposit is paid as per prevalent policy of the bank from time to
time.
Interest on bank deposits is exempt from income tax up to a limit specified by
Income Tax authorities from time to time.
Documents required:
The Bank requires a satisfactory introduction of the person/s opening the account by a person
acceptable to the Bank.
The Bank is required to obtain two recent photographs of the person/s opening the account, as
per RBI directives.
The Bank is required to obtain Permanent Account Number (PAN) or General Index Register
(GIR) Number or alternatively obtain declaration in Form No.60 or 61 as per the Income Tax Act
(vide Section 139A) from the person/s opening the account.

PNB ANUPAM TERM DEPOSIT SCHEME

1) Account can be opened with minimum deposit of Rs. 10000/-and thereafter in multiples
of Rs. 1000/- with maximum amount of Rs.99,99,000/-
2) Period ranging from 6 months to 120 months
3) Premature cancellation of term deposit permitted
4) In built Overdraft facility
5) No separate documentation required.

PNB BALIKA SHIKSHA FIXED DEPOSIT SCHEME

Brief features of the product:
All girls who pass class VIII from Kasturba Gandhi Balika Vidyalayas (irrespective of whether
they belong to SC/ST and enroll for class IX in state/UT Govt. , Govt. aided or local bodies
schools in the academic year 2008-2009 onwards.
All SC/ST girls who pass class VIII and enroll for class IX in state/UT Govt. Govt. aided or local
body schools in the academic year 2008-2009 onwards.
A sum of Rs. 3000/- will be deposited as Fixed Deposit.
Terms & Conditions:
Deposit amount can be withdrawn on reaching 18 years of age.
Period of deposit shall be counted from the date of deposit to the date on which the girl child
attains the age of 18 years.
Students enrolled in Pvt. Unaided Schools are to be excluded from the scheme.
Students enrolled in schools run by Central Govt. are also excluded.
Savings account (Vidhyarathi) with NIL balance shall be opened.
Interest on deposits is payable either monthly at discounted value or quarterly or compounded
quarterly (i.e., reinvestment of interest) or on the date of maturity at the option of the depositor as
applicable under particular deposit scheme.
Interest on overdue deposit is paid as per prevalent policy of the bank from time to time.
Interest on bank deposits is exempt from income tax up to a limit specified by Income Tax
authorities from time to time.
Presently, if the total interest on deposits, per depositor, per branch, per financial year exceeds
Rs 10,000/-, the same is subject to Tax Deduction at Source (TDS) at the rates stipulated by the
Income Tax Authorities.
The depositor may furnish declaration in Form No.15 H/15G preferably at the commencement of
the Financial Year for receiving interest on deposits without deduction of tax.
The Bank will issue TDS Certificate for the tax deducted.
Documents required:
The Bank requires a satisfactory introduction of the person/s opening the account by a person
acceptable to the Bank.
The Bank is required to obtain two recent photographs of the person/s opening the account, as
per RBI directives.
The Bank is required to obtain Permanent Account Number (PAN) or General Index Register
(GIR) Number or alternatively obtain declaration in Form No.60 or 61 as per the Income Tax Act
(vide Section 139A) from the person/s opening the account.


CAPITAL GAIN ACCOUNT SCHEME

Brief features of the product:
Individuals for crediting amount from Capital gain. No joint Account.
Deposit Minimum 7 days to 10 years.
Terms & Conditions:
There will be two types of deposit accounts:
A- This account will be in the form of our existing Saving Account.
B- This account will be the form of our exiting Term Deposit Account
The deposits may be made under the provisions of Sections 54, 54B, 54D, 54F or 54G of the I.T.
Act by any depositor intending to avail benefit under the said section or sections of the Act.
There will be two types of deposit accounts:
o Deposit Account-A: This account will be in the form of our existing Saving Funds
Account.
o Deposit Account-B: This account will be in the form of our existing Term Deposit
Account (cumulative as well as non cumulative).
Transfer of the Account:
o Both the accounts, i.e., Account-A and Account-B can be transferred from one deposit
office to another deposit office of the same Bank.
Premature withdrawal is permitted before expiry of the period for which deposit was made; rate
of interest on such deposits shall be as applicable to period for which deposit remained with
deposit office, as a penalty for pre-mature withdrawal.
o Withdrawal from the account:
o Depositor having Account-A, at any time after making initial deposit, can apply on Form
C with Pass Book for withdrawal of amount.
o Depositor intending to make withdrawal from his Account-B shall fit get his account
transferred in his account-A.
Withdrawal for more than Rs. 25,000/-, will be allowed through crossed demand draft.
Utilization of amount of withdrawal: At the time of any withdrawal from Account-A other then
the initial withdrawal, depositor shall furnish in Form D, in duplicate, the details regarding
manner and extent of utilization of amount of immediately preceding withdrawal.
Closure of Account: If a depositor desires to close his account, he shall have to apply to deposit
office on Form G along with the approval of the Assessing Officer with the Pass Book/Deposit
Receipt. Deposit office shall pay the amount of balance including interest accrued to depositor.
Change or alienation: Amount standing to the credit of the depositor in any account under the
Scheme shall not be offered as security for any loan or guarantee and shall not be charged or
alienated in any manner, whatsoever.
Interest on deposits is payable either monthly at discounted value or quarterly or compounded
quarterly (i.e., reinvestment of interest) or on the date of maturity at the option of the depositor as
applicable under particular deposit scheme.
Interest on overdue deposit is paid as per prevalent policy of the bank from time to time.
Interest on bank deposits is exempt from income tax up to a limit specified by Income Tax
authorities from time to time.
The Bank will issue TDS Certificate for the tax deducted.
Documents required:
The Bank requires a satisfactory introduction of the person/s opening the account by a person
acceptable to the Bank.
The Bank is required to obtain two recent photographs of the person/s opening the account, as
per RBI directives.
The Bank is required to obtain Permanent Account Number (PAN) or General Index Register
(GIR) Number or alternatively obtain declaration in Form No.60 or 61 as per the Income Tax Act
(vide Section 139A) from the person/s opening the account.


PNB DUGNA

Brief features of the product:
Individual (singly or jointly) with others.
Minor who have attained the age of 10 years and above in his/her own name on giving proof of
age.
Minors below the age of 10 years under guardianship of Natural/legal guardian.
Proprietorship/Partnership Firm, Commercial Organization,Company/Corporate Body
Hindu Undivided Family
Association, Club, Society, Trust or Religious/Charitable Educational Institutions,
Municipality or Panchayat, Government or Quasi-Government body.
Illiterate and blind persons can also open accounts.
Non Resident Indians are also eligible to open NRO accounts under the scheme
Minimum Deposit of Rs.5000/- in multiples of Rs. 1/- and below Rs. 1 crore per day per
customer.
Terms & Conditions:
Period of FDR 99 Months
Premature withdrawals are allowed, unless specified otherwise, at the rate of interest applicable
for the period for which the deposit has run or the contracted rate whichever is lower, subject to
penalty, if any, prescribed by the bank. No interest will be paid on premature withdrawals of
deposit which has remained with the bank for less than 15 days.
Generally loans/overdrafts against deposits are allowed except on Certificates of Deposit (CD).
Such loans are sanctioned by charging interest at rates directed by RBI from time to time or as
prescribed by the Bank.
Deposits are auto renewed by Bank on due dates & continued to be renewed if no instructions
are given in the contrary. The deposit is renewed for the period of the original contract at the
applicable rates on the date of auto renewal. As a measure of good customer service, the Bank
may intimate the depositor in advance.
Interest on deposits is payable either monthly at discounted value or quarterly or compounded
quarterly (i.e., reinvestment of interest) or on the date of maturity at the option of the depositor as
applicable under particular deposit scheme.
Interest on overdue deposit is paid as per prevalent policy of the bank from time to time.
Interest on bank deposits is exempt from income tax up to a limit specified by Income Tax
authorities from time to time.
Presently, if the total interest on deposits, per depositor, per branch, per financial year exceeds
Rs 10,000/-, the same is subject to Tax Deduction at Source (TDS) at the rates stipulated by the
Income Tax Authorities.
The depositor may furnish declaration in Form No.15 H/15G preferably at the commencement of
the Financial Year for receiving interest on deposits without deduction of tax.
The Bank will issue TDS Certificate for the tax deducted.
Documents required:
The Bank requires a satisfactory introduction of the person/s opening the account by a person
acceptable to the Bank.
The Bank is required to obtain two recent photographs of the person/s opening the account, as
per RBI directives.
The Bank is required to obtain Permanent Account Number (PAN) or General Index Register
(GIR) Number or alternatively obtain declaration in Form No.60 or 61 as per the Income Tax Act
(vide Section 139A) from the person/s opening the account.

NRE ACCOUNT
Non-Resident Indians can open accounts under this scheme. The account should be opened by
the non-resident account holder himself and not by the holder of power of attorney in India.

DESCRIPTION
NRE accounts can be opened by remittances from abroad in any convertible currency or
from transfer of funds from existing NRE/FCNR accounts held by any person with any
Bank in India. These accounts can be opened at all branches of Punjab National Bank.
Accounts can also be opened during temporary visits of NRIs to India against tender of
foreign currency traveller cheques/notes and coins.
The remittance received in foreign currency for opening of NRE accounts will be
converted into Indian rupees at the prevailing exchange rates.
These accounts can be maintained under Savings/Current/Recurring and Term Deposit
Schemes.
ADVANTAGES
Principal alongwith interest freely repatriable in the currency of your choice
The deposit amount will be converted into foreign currency at the prevailing rates at the
time of remittance.
Loans/overdrafts in rupees can be availed by NRI depositors or 3rd parties against the
security of term deposits. However, loans in foreign currency against NRE term deposits
in India can be availed through our correspondent Banks
Income from interest on balances held in these accounts is exempt from Income Tax.
Balances held in such accounts are also exempt from Wealth Tax.Gifts made to close
resident relatives are free from Gift Tax
Facility for automatic renewal of deposits on maturity and safe custody of Deposit
Receipt is also available
Foreign Currency Non-Resident (Banks)Accounts - "FCNR"

Non-Resident Indians can open accounts under this scheme. The account should be opened by the non-
resident account holder himself and not by the holder of power of attorney in India.

These deposits can be maintained in 5 designated currencies i.e. U.S. Dollar (USD), Pound Sterling (GBP)
and Euro, Australian Dollar (AUD) & Canadian Dollar (CAD).

These accounts can only be maintained in the form of terms deposits for maturities of minimum 1 year
to maximum 5 years. These deposits can be opened with funds remitted from abroad in convertible
foreign currency through normal banking channel, which are of reparable nature in terms of general or
special permission granted by Reserve Bank of India. These accounts can be maintained with our
branches, which are authorised for handling foreign exchange business. (List of branches authorized for
handling foreign exchange business linked at the end).Funds for opening accounts under PNB Global
Foreign Currency Deposit Scheme or for credit to such accounts should be received from:

- Remittance from outside India or Traveller Cheques/Currency Notes tendered on visit to India.
International Postal Orders cannot be accepted for opening or credit to FCNR accounts.

Transfer of funds from existing NRE/FCNR accounts.

If remittance is received in any currency other than USD, GBP, Euro, AUD & CAD, it will be converted
into one of the designated currencies of remitters choice at the risk & cost of the depositor.

Rupee balances in the existing NRE accounts can also be converted into one of the designated currencies
at the prevailing TT selling rate of that currency for opening of account or for credit to such accounts.

Advantages of FCNR (B) Deposits
- Principal alongwith interest freely repatriable in the currency of your choice.
- No Exchange Risk as the deposit is maintained in foreign currency.
- Loans/overdrafts in rupees can be availed by NRI depositors or 3rd parties against the security of these
deposits. However, loans in foreign currency against FCNR (B) deposits in India can be availed outside
India through our correspondent Banks.
- No Wealth Tax & Income Tax is applicable on these deposits.
- Gifts made to close resident relatives are free from Gift Tax.
- Facility for automatic renewal of deposits on maturity and safe custody of Deposit Receipt is also
available.

ORDINARY NON RESIDENT ACCOUNS (NRO)
These accounts can be opened by Non-Resident Indians (NRIs) viz. non-resident persons of Indian origin
or nationality (other than nationals of Pakistan and Bangladesh) and by Overseas Corporate Bodies
(OCBs) provided ownership/ beneficial interest of NRIs is at or above the level of 60%. These accounts
can be opened in Indian Rupees in the shape of current/savings/fixed deposits. They can be opened
jointly with residents with the facility of nomination.Funds held in NRO acccounts can be repatriated
abroad upto USD 1 million calendar year on account of Education, medical and sale proceeds of
immovable property upto 30th June 2003 subject to certain conditions as stipulated by Reserve Bank of
India. Upon becoming non-resident individuals, existing resident accounts are also classified as NRO
accounts. All legitimate dues in rupees (which include local credits also) and proceeds of foreign
remittances can be credited to these accounts. The funds held in the NRO accounts can be used for all
local payments. Selected transactions over INR 100,000 are subject to reporting on form A4. Interest
rates applicable thereon are same as on resident accounts. These accounts are subject to deduction of
tax by the bank as per Income-Tax rules.



RESIDENT FOREIGN CURRENCY ACCOUNT

A person resident in India can open, hold and maintain a Resident Foreign Currency (RFC) Account, out
of foreign exchange: -

(a) received as pension or any other superannuation or other monetary benefits from his employer
outside India; or

(b) realized on conversion of assets which were acquired, held or owned by such person when he was
resident outside India.

(c) Received or acquired as gift or inheritance from a person who was resident outside India?

(d) Acquired or received before the 8th day of July, 1947 or any income arising or accruing thereon
which is held outside India by any person or acquired as gift or inheritance therefrom.

The funds held in these accounts shall be free from all restrictions regarding utilisation of foreign
currency balances including any restriction on investment in any form, by whatever name called, outside
India.

These deposits can be maintained under Savings, Current and Term Deposits. Term Deposits can be
accepted for a minimum period of 1 month to maximum period of 5 years.

These accounts can be opened at all branches of Punjab National Bank, which are authorised for
handling foreign exchange busines






HDFC BANK LTD.
PERSONAL BANKING:
SAVINGS A/C
Savings Max Account: - Maximum savings in this A/C saves up to Rs.4270
Regular Savings Account: - It is designed for all your day to day banking needs.
Women's Savings Account: - It offers free cash withdrawal and balance enquiry at all
HDFC Bank ATMs and non-HDFC Bank domestic ATMs
Kids Advantage Account: - 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 the child. ATM/International Debit Card will be issued for
children between 7-18 years of age in your child's name with your permission. Your child
can withdraw Rs.2, 500 at ATMs and spend Rs.2, 500 at merchant locations per day. Free
cash withdrawals on any other Bank's ATM
Senior Citizens Account: - It includes everything from health, investment to everyday
banking solutions.
Family Savings Group Account: - It allows entire family to benefit from one account
and enjoy free lifetime Easy Shop International Debit Card for all members in the group.
Basic Savings Bank Deposit Account: - A zero balance Savings Account with a free
ATM card, giving access to one of the widest ATM networks across the country to meet
all the banking needs.
Institutional Savings Account: - A zero balance Savings Account for eligible Trust,
Associations, Societies, Clubs, NGOs and others and wide range of convenient options to
collect your fees, donation etc.
BSBDA Small Account: - A zero balance Savings Account with a free ATM card,
giving you access to one of the widest ATM networks across the country to meet all your
banking needs.


SALARY ACCOUNT
Premium Salary Account: - It is a customized salary account for select corporates,
backed by priority service. It also provides special offers and benefits such as a free zero
balance account for you and your family. This account comes with free Personal
Accidental Death Cover of Rs.5 lac
Regular Salary Account: - A comprehensive salary account with special offers includes
free Personal Accidental Death Cover of Rs. 1 lac.
Defense Salary Account: - A comprehensive salary account designed to cater to Defense
Personnel. This account comes with free Personal Accidental Death Cover of Rs.5 lac.
Classic Salary Account: - This salary account offers you a complete range of services to
meet your banking requirements. It comes with an International Debit Card and access to
one of the most advanced and secure Net Banking and Mobile Banking services - all free
of charge.
Reimbursement Account: - Keep track of your expenses by receiving your
reimbursements in a separate account.
Basic Savings Bank Deposit Account - Salary: - A zero balance salary account with
access to one of the widest ATM networks across the country.

CURRENT ACCOUNTS

ULTIMA Current Account:- This account is mainly for Manufacturers/Large
Distributors/Stockists/Multi Specialty Hospitals and Dealers along with Business Banking /
Inventory Funding Customers.
Unlimited free local & anywhere cheque collections & payments facility
Free RTGS/NEFT collections and payments and free DD/PO for unlimited value.

Supreme Current Account
For large traders operating across the country, this current account can help reduce
transaction costs. Plus free access to one of the most advanced and secure Net Banking
and Mobile Banking services.
Avail higher cash deposit limits at all branches across India.
Free NEFT/RTGS collections & payments.

Apex Current Account
A high end current account that caters to fast growing, large businesses who can derive
maximum advantage from the host of benefits offered.
Dynamic cash deposit limits proportional to 10 times the previous month AMB
maintained
Free Inter-city cheque collection and payments within HDFC bank Network for unlimited
value
Free Demand Drafts & Pay Orders can be issued on any HDFC Bank Branch

EZEE Current Account
For savvy traders operating across multiple cities, this current account can help reduce
transaction cost. Plus free access to one of the most advanced and secure Net Banking
and Mobile Banking services.
A combined cash deposit limit for all branches across India, suited to the needs of the
traders.
It also offers discounted Average Quarterly Balance requirements for Semi-Urban and
Rural branches.

Max Current Account
High, dynamic cash deposit limit at any location makes this current account ideal for
large businesses operating across the country
Dynamic combined (Home & Non-home) cash deposit limits proportional to 10 times the
Current month AMB
Free Inter-city cheque collection and payments within HDFC bank Network for unlimited
value
Free Unlimited Demand Drafts & Pay Orders can be issued on any HDFC Bank Branch

Agri Current Account
A current account ideally suited for those in Agriculture related industries where the
nature of business is seasonal.
Free local and anywhere Cheque payment and collection at Bank location
Free monthly Cash deposit at home Location of Rs. 10 Lacs*

Plus Current Account
An account with higher limits for a wide range of transactions resulting in cost saving.
Ideal for businesses which have suppliers and customers across the country.
Enjoy the flexibility of cash deposit across HDFC Bank network free of cost*
Free local and anywhere Cheque payment and collection at Bank location
50 Pay orders & 50 Demand Drafts can be issued on any HDFC Bank location

Current Account for Hospitals and Nursing Homes
Best suited for Hospitals and Nursing Homes this current account comes with higher cash
deposit limits.
Free monthly Cash deposit at home Location of Rs.10 Lacs
Free Unlimited Collection and Payment of funds through RTGS and NEFT
Free 30 Demand Drafts and Pay Orders free per month for any amount

Trade Current Account
For traders, this account can actually help reduce transaction cost. Plus free access to one
of the most advanced and secure Net Banking and Mobile Banking services.
Free Account to Account Fund transfer between HDFC Bank Accounts.
Free RTGS and NEFT Collections and Payments
200 Free Payable at par cheque leaves per month

Current Account for Professionals
Doctors, Architects, Chartered Accountants and other professionals can derive maximum
value from this current account.
Free local and anywhere Cheque payment and collection at Bank location
Free monthly Cash deposit at home Location of Rs. 10 Lacs*
Free Unlimited Collection and Payment of funds through RTGS and NEFT

Premium Current Account
Cost efficient, day to day current account with free access to one of the most advanced
and secure Net Banking and Mobile Banking services.
Free Local and anywhere cheque collection/payment and Fund Transfer
Free Collection through RTGS and NEFT
100 Free Payable at par cheque leaves per month

Merchant Advantage Plus Current Account
Best suited for large retail outlets. Cash deposit limits are linked to transaction volumes
on card swipe machines, making this current account cost effective.
Free limit on Cash deposits at Home location at 4 times the POS swipe volumes for the
transacting month
Pay vendors and suppliers across the country using multiple remittance options
Free 50 Demand Drafts and Pay Orders free per month for any amount

Regular Current Account
Ideal low cost account for businesses that operate in one city. With free access to one of
the most advanced and secure Net Banking and Mobile Banking services.
Free Local and anywhere Fund transfer within HDFC Bank
Free local and anywhere Cheque payment and collection at Bank location
Free Collection through RTGS and NEFT

Merchant Advantage Current Account
Ideal current account for retail outlets. Cash deposit limits are linked to transaction
volumes on card swipe machines, making this account cost effective.
Free limit on Cash deposits at Home location at 4 times the POS swipe volumes for the
transacting month
Pay vendors and suppliers across the country using multiple remittance options
Free Local and anywhere Fund transfer within HDFC Bank

Flexi Current Account
Ideal for businesses with high seasonal requirement. This current account offers dynamic
cash deposit limits to match business seasonality thereby reducing cost.
Dynamic cash deposit limits proportional to 10 times the AMB maintained in the
transaction month
Free RTGS and NEFT Collections and Payments
Free 40 Demand Drafts and Pay Orders free per month for any amount

Institutional Current Account
A current account especially designed for Trusts, Associations, Societies, Clubs, Non
Profit Organizations and Government Departments.
Free Account to account fund transfer, local and anywhere cheque payments and
collections at HDFC Bank location.
Free DD & PO for unlimited values

DEPOSITS

Rural Account Products
Basic Savings Bank Deposit Account - Farmers
Exclusive Basic Savings Bank Deposit Account for farmers
Zero Initial Pay-in
Zero balance maintenance account

Kisan Club Savings account
Exclusive Saving Account for Farmers
Free International Debit Card for 1st Year
View details
DEMAT
Demat A/C
Preferential pricing for the Imperia, Preferred & Classic customers.
AMC of Rs 250/- only and discounted charges on transactions exclusively for senior
citizens.
No stamp duty on transfer of securities held in Demat form.
Auto credit of rights / bonus / public issues in your Demat Account through ECS
View your Holding cum Valuation Statement and Transaction cum Billing Statement on
Net Banking (DP on Net)

2 in 1 A/C
Demat A/C and Trading a/c
Linked account - Seamless transfer of funds & shares in your linked Demat & savings
account. No need for cheques, bank transfer or application form for every investment.

Multiple investment options- We offer a suite of investment products, which cater to
every investment need and as per your risk appetite. Invest in Equities, Derivatives, Online IPO,
Currency Futures, Bonds, NCD's, ETF's - Gold & Indices.
Invest Anytime, from Anywhere - Enjoy the Freedom to invest, time and place no bar!
Invest using Internet (www.hdfcsec.com), Telecentre, Branches or Mobile trading apps
(Android, iPhone, BlackBerry, Nokia smart phone.) You can place your order in equities
beyond trading hours.
Blink - A customized trading platform for faster order execution. With Blink you can
track live market movements of various scraps, place your orders instantly and monitor
your transactions on a real time basis.
Advance Portfolio - The Portfolio Tracker providing you a great tool to capture your
investments in multiple asset class. It offers a pictorial presentation of your Portfolio
Investment & Portfolio Net worth & you can set alerts for specific stocks as per your needs.

3 in 1
Demat A/C, Trading A/C and Savings A/C
Structured Process considering your risk profile, investment objectives and financial
goals
Recommendations from HDFC Bank's in-house research team
Choice of convenient Mutual Fund execution platforms
Comprehensive Portfolio Tracker* that provides a consolidated view of your Mutual
Fund Investments, HDFC Life Policies, Savings, Current & FD Account Balances
Complimentary subscription* to our exclusive monthly magazine - Investment Insight,
that updates you on:
o Market Movements
o New Fund Offerings
o Recommended Funds' Performance
o Fund Managers' Views
o Informative articles on various investment products
o Proactive monthly updates on new offers and investment concepts.

NRI Banking
Savings Account
Non-Resident Savings Account lets NRIs to save their money in Indian currency. With full repatriation for
the interest earned and no tax liability, our Savings Account is the ideal way to grow your capital while
abroad.
There are 2 types of NRI savings account,
1. NRE Savings Account
2. NRO Savings Account
NRE Savings Account:
NRE Savings Account lets the customers transfer your earnings to India conveniently with complete
security. They can repatriate the funds held in the account along with the interest earned at any point of
time and they don't even have to pay tax on the interest amount. With a host of direct banking channels
available at your fingertips, they can stay in complete control of your hard-earned income abroad.
Features & Benefits:
Free transfers & higher interest
Transfer funds freely between India and abroad
Earn higher interest rates on your account
Pay ZERO tax on the interest earned on your NRE Account in India
Accessibility
Withdraw cash easily and shop worldwide with International Debit Card
Appoint a mandate to operate your account for you
Managing your account
Transfer your funds freely to any place outside India
Conduct transactions securely online, 24x7 with Net Banking
Pay utility bills - electricity, phone, mobile phone - payment by a simple registration
Other benefits
Get a personalized cheque book
Get tax exemptions on interest earned and wealth tax
Free Email Statement facility
Avail of Safe Deposit Lockers at certain branches
Invest in Mutual Funds by linking your NRE Savings Account to our Investment Savings
Account

NRO Savings Account:
Right from repatriating funds after applicable tax payments to operating the account through the
various direct banking channels, experience hassle-free banking from any corner of the world.
Features & Benefits:
Accessibility
Withdraw cash and shop in India with your Easy Shop NRO Debit Card
Entrust a relative or friend with an additional ATM Card
Local representative can operate the account with a Letter of Mandate
Managing your account
Open an NRO Account jointly with an Indian Resident
Conduct transactions online, 24x7 securely with Net Banking
Manage your account easily with Phone Banking
Bank from any metro in India with Intercity Banking
Pay utility bills electricity, phone, mobile phone payment by a simple registration
Other benefits
Get a personalized cheque book
Appoint a beneficiary to operate the account with the nomination facility
Free Email Statement facility

Current Account
HDFC provides 2 types of accounts under Current Account,
1. NRE Current Account
2. NRO Current Account
NRE Current Account:
Transfer and repatriate funds easily with your NRE Rupee Current Account. Convenient banking options
make your account accessible to them from anywhere in the world.
Features & Benefits:
Repatriate your principal and interest amount fully
Remit funds easily through Quick remit, India Link, Cheque Lockbox, Telegraphic
Transfers and Cheque / Draft for free
Utilise account balance for repatriable investments as well as local payments in India
Deposit your overseas earnings in the non-interest bearing Rupee account
Avail of free ATM Card for the mandate holder in India
Get an International Debit Card
Get a personalized cheque book
Operate your account, anywhere, anytime with convenient banking channels like Net
Banking

NRO Current Account:
Park your Indian earnings or remit funds through various channels; NRO Rupee Current Account is an
ideal account for foreign nationals on visits to India.
Features & Benefits:
Remit funds easily through Quickremit, IndiaLink, Cheque LockBox, Telegraphic
Transfers and Cheque / Draft
Deposit your Rupee earnings in the non-interest bearing Rupee account
Open an account jointly with an Indian resident
Utilise account balance for repatriable investments as well as local payments in India
Avail of free ATM Card for yourself and the mandate holder in India
Get a personalized cheque book
Operate your account, anywhere, anytime with convenient banking channels

Fixed Deposit
There are total 4 types of fixed deposits provided to NRIs,
1. NRE Fixed Deposits
2. NRO Fixed Deposits
3. Super Saver Account
4. Sweep-in Account
NRE Fixed Deposits:
NRE Fixed Deposits are maintained in Indian Rupees. Repatriate the principal and interest amount fully
among the many other benefits.
Features & Benefits:
Earn interest at higher rates than the Libor rate
Partial withdrawal of the deposits is allowed
Avail of overdraft up to 90% of the deposit, or Rs. 1 Crore, whichever is lower, for self or
others
Repatriate your complete deposit (principal and interest) at any time
Enjoy tax exemption from the entire deposit (principal and interest)
Open the deposit jointly with any other NRI
Avail of the nomination facility
Cluster Deposit:
Encash part of the deposit amount while the balance continues to earn interest at the
contract rate as the NRE Fixed Deposit is held in clusters of Re.1
Initial Fixed Deposit: Rs. 25,000/-
Add-on Fixed Deposits: Rs. 10,000/-
Maintain the deposit for a tenure of minimum 1 year and a maximum of 5 years

NRO Fixed Deposits:
Invest in NRO Fixed Deposits for high growth returns on your savings. Maintained in Indian Rupees, the
Deposits are an ideal long-term investment option for you.
Features & Benefits:
Enjoy higher interest rate on your deposits
Repatriate the interest on your deposit
Avail of overdraft up to 90% of the deposit, for self or others
Open the deposit jointly with a resident individual
Interest credited every 3 months
Avail of the nomination facility
Cluster
Deposit: Encash part of the deposit amount while the balance continues to earn interest at
the contract rate as the NRO Fixed Deposit is held in clusters of Re.1
Initial Fixed Deposit: Rs. 25,000/-
Add-on Fixed Deposits: Rs. 10,000/-
Maintain the deposit for a tenor of minimum 7 days and a maximum of 10 years

Super Saver Deposits:
Super Saver Account gives the dual advantage - liquidity of a Savings Account + high interest rates of
Fixed Deposit. One can avail of an overdraft up to 75% *of the value of your Fixed Deposit.
Features & Benefits:
Link the account either with an NRO Savings or NRO Current Account
Avail of an overdraft facility up to 90%* of your deposit (Maximum overdraft against
FCNR Deposit is 70% of FCNR
Re-invest the interest on maturity with the principal @ interest applicable then
Sweep-in Account:
Link the Fixed Deposit to your NRI Savings or Current Account and itll take care of deficits, if any, in your
NRI Savings or Current Account without losing out on the interest.
Features & Benefits:
Withdraw only the exact amount need from your Fixed Deposit
Choose between an NRI Savings and Current account for linking
Only an exact amount required to make up for the deficit in the Savings account is
withdrawn from your Fixed Deposit (units of Re. 1/-) thereby minimizing interest loss.
Multiple deposits can be linked to the Savings account.
Flexibility in altering the period of deposit, maturity and payment instructions, principal
amount and rollover mode.


Foreign Currency Deposits
HDFC Bank offer 2 options for Foreign Currency Non-Resident Deposits,
1. FCNR Deposits
2. Rupee Max
FCNR Deposits:
With this account not only will NRIs grow their foreign currency securely by protecting it against
exchange rate fluctuation but also earn interest at Indian rates.
Features & Benefits:
Hold the deposit in any of the 6 foreign currencies - US Dollars, Pounds Sterling, Euro,
Japanese Yen, Australian Dollars, Canadian Dollars
Repatriate principal and interest amount fully
Enjoy tax exemption on the entire deposit
Open the deposit jointly with other NRIs
Avail of Super Saver facility to get an overdraft on your NRO Savings / Current account
against your FCNR Fixed Deposit
Avail of the nomination facility
Minimum initial deposit -
USD 1,000/-, GBP 2,500/-, Euro 2,500/-, JPY 7,50,000/-, AUD 1,000/-, CAD 1,000/-
Minimum add-on deposit -
USD 1,000/-, GBP 1,000/-, Euro 1,000/-, JPY 7,50,000/-, AUD 1,000/-, CAD 1,000/-
Maintain the deposit for a tenor of minimum 1 year and a maximum of 5 years

Rupee Max:
Depending on market conditions, booking an FCNR deposit with Forward Cover may be better than NRE
Deposit. Contact the respective relationship manager to know more details.
Features & Deposits:
Premature withdrawal allowed (subject to terms & conditions)
Earn higher yield than your normal FCNR Deposit / NRE Deposit
Repatriate the proceeds on maturity
Simplified documentation
Book a forward contract on your foreign currency deposit for a tenure ranging from 1 to 5
years.

Accounts for Returning Indians
HDFC Bank offers 2 options for Returning Indians,
1. RFC Savings Accounts
2. RFC Fixed Deposits
RFC Savings Accounts:
Stay protected from exchange rate risks with your RFC Savings Account as NRIs can hold the Deposit in 4
foreign currencies and convert them into Rupees anytime you desire.
Features & Benefits:
Keep your foreign earnings in the same currency saving yourself from exchange rate
risks
Transfer balance to NRI Accounts on regaining NRI status
Withdraw cash in Rupees
Earn tax exemption on interest accrued on declaration of Resident but Not Ordinarily
Resident status
Repatriate funds for bonafide purpose
Avail of the nomination facility
Free Email Statement facility
Enjoy free 24-hour Phone Banking
Enjoy the convenience of banking at any of our branches in India
RFC Fixed Deposits:
Flexibility of converting the foreign currency deposits into Indian rupees whenever required with RFC
Fixed Deposits.
Features & Benefits:
Book Fixed Deposit in 4 foreign currencies and protect the deposit from exchange rate
risks
Earn tax exemption on interest accrued on declaration of Resident but Not Ordinarily
Resident status
Repatriate funds on bonafied reasons
Protect your savings from exchange rate risks
Offshore Accounts & Deposits
Hong Kong
1. Smart Deposits
2. Time Deposits
Smart Deposits:
If NRIs need an account that offers them instant access to their funds while fetching them attractive
interest on your balances, then Smart Account is the right choice. Available with a cheque book, this
account can be opened with 3 other joint account-holders to help them manage your finances better.
Features & Benefits:
Choice of currencies
Choose the currency like - Hong Kong Dollar and / or United States Dollar. Both accounts are
separate and cannot be linked.
Competitive interest rates
HDFC offer the most competitive rates in the market. Please click here for the latest interest
rates.
Cheque book facility
A Smart Account comes with a cheque book to access your funds.
Joint account
Open this account jointly with others with a maximum of 3 joint holders.
Time Deposits:
HDFC Bank Hong Kong offers Time Deposits - flexible tenures and attractive interest rates. With the
multiple advantage of being able to invest in 4 major currencies, NRIs can renew the deposit
automatically with added security and flexibility.
Features & Benefits:
Competitive interest rates
We offer the most competitive rates in the market. The rates can be selected as per the
convenience - fixed or floating. Please click here for the latest interest rates.
Investment choice of 4 major currencies
Time Deposits can be opened in 4 major currencies of the world namely - US Dollar, Hong Kong
Dollar, Great Britain Pound & Euro.
Flexible tenors
HDFC Bank Hong Kong offers flexibility in the tenors. The tenors range from 7 days to 5 years.
Automatic renewal
NRIs need not send the maturity instructions each time. The deposit is renewed automatically
without any hassles or inconvenience to you.
Flexibility in switching currencies
NRIs can even switch the currency of your original deposit to any of the other currencies offered
any time during your deposit period.

Behrain
1. OffShore Deposits
2. Call Account
OffShore Deposits:
Competitive Interest rates
HDFC offer the most competitive rates in the market. The rates can be selected as per
your convenience Fixed or Floating.
Investment choice of 3 major currencies
The offshore deposit can be opened in 3 major currencies of the world namely US Dollar,
Great Britain Pound & Euro.
Flexible Tenors
HDFC Bank Bahrain offers the flexibility in the tenors. The tenors range from 1 month to
5 years
Automatic renewal
NRIs need not send the maturity instructions each time. The deposit is renewed
automatically without any hassle or inconvenience to you.
Flexibility in switching currencies
NRIs can even switch the currency of your original deposit to any of the other currencies
offered any time during your deposit period.

Call Account:
Competitive Interest rates
HDFC offer the most competitive rates in the market.
Zero balance account
NRIs are not required to maintain any balance in your account. Your account can be with
a zero balance.
No minimum amount required to be deposited
NRIs can deposit any amount to the call account. There is no minimum amount to be
deposited.
Anytime withdrawal allowed
Funds are available on call and Customers can withdraw the amount anytime as may be
required.
Multiple currencies
Investment choice in 3 major currencies namely US Dollar, Great Britain Pound and
EURO.