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Description of

Regular Savings Account


Charges
Rs. 10,000 (Metro /
Minimum Balance Option 1 Urban), Rs. 5000 (Semi-
(Average Quarterly Urban / Rural)
Balance) NIL with a Fixed deposit
Option 2
of Rs. 50,000

Option 1 Rs. 750 per qtr


Charges on non In case of non
maintenance thereof maintenance of Rs.
Option 2
50,000 Fixed Deposit -
Rs. 750 per qtr
Free - 25 cheque leaves per calendar
quarter
Additional chequebook of 25 leaves
Cheque Book will be charged @ Rs 50/- per
chequebook
Rs. 5 per leaf on non-maintenance of
min. balance
Upto Rs. 50,000 pm - No charges,
PAP Cheque book Above Rs. 50,000 - Rs. 2.90 per 1000
on full amount. (Max. Rs.10,000/-)
Monthly statements to be Collected
Account Statements -
from branch.
Free
Quarterly statements sent by post
Rs.100 at Branch, Rs.50 per
statement through Phonebanking
Issue of duplicate / (Non-IVR) & ATM, Rs.30 per
adhoc statements statement through Netbanking,
Phonebanking (IVR), &
Mobilebanking.
Hold Statement Rs. 400 per year
Passbook issuance* Free
Duplicate passbook
Rs 100/-
issuance*
Managers DD request through Branch
Cheques/Demand
Upto Rs. Rs. 50
Drafts- Issuance/Re-
Rs. 40 (Senior
Citizens / Individuals
10,000 in Rural areas)
Rs. 30 through
Phonebanking
Rs. 75 (Rs. 30 through
Phonebanking)
Rs. 60 (Senior
Citizens / Individuals
Above in Rural areas)
Rs.10,000 &
upto Rs. **Only DD amount
50,000 upto Rs 100,000 for
Preferred & Rs 50,000
for other customers
accepted at
Phonebanking
Above Rs.
Rs. 2.50 per 1000 or
issuance - On HDFC 50,000 &
part thereof (Min Rs.
Bank Locations upto Rs. 1
150)
Lakh
Rs. 2 per 1000 or part
Above Rs. 1
thereof (Max Rs
Lakh
10,000/-)
DD request through Netbanking
Upto Rs. 1 Rs .30+(Corr. Bank
Lakh charges if applicable)
Third party
Rs .30+(Corr. Bank
DD* upto
charges if applicable)
Rs. 1 Lakhs
(*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
Rs. 50
Cheque/Demand
Rs. 40 (Senior Citizens / Individuals
Drafts - Cancellation
in Rural areas)
/ Revalidation
Demand Drafts- Rs. 50 plus charges as outlined
below:
Upto Rs. 500 Rs. 10
Above Rs.
500 to Rs. Rs. 15
1000
Above Rs.
1000 to Rs. Rs. 25
Issued - On Non 5000
HDFC Bank Above Rs.
Locations 5000 to Rs. Rs. 30
10,000
Above Rs.
Rs. 3 per 1000 or part
10,000 to Rs.
thereof
1 Lakh
Rs. 6 per 1000 or part
Above Rs. 1
thereof (Min Rs 300 -
Lakh
to Max Rs 10,000/-)
Cheque Collection -
Free
Local Clearing Zone
Charges for cheques Regular
drawn on Branch Savings
locations Account

"Rs. 50/-,
Collection of Rs. 40/- for
Upto Rs 10,000
outstation cheques - Rural
our bank locations branches"
Rs. 10,000/- to Rs.
Rs. 100/-
1,00,000/-
Rs. 1,00,001/- and
Rs. 150/-
above

Collection of Charges for cheques


outstation cheques - Regular
drawn on Non-
other locations Savings
Branch locations
Account

Upto Rs 10,000 "Rs. 50/-,


Rs. 40/- for
Rural
branches"
Rs. 10,000/- to Rs.
Rs. 100/-
1,00,000/-
Rs. 1,00,001/- and
Rs. 150/-
above

Due to Insufficient funds -


First cheque return in a quarter - Rs
350/-
From second cheque return in the
same quarter – Rs 750/- per return
Cheque return
For accounts not maintaining AQB,
charges drawn on us
First cheque return in a quarter - Rs
- Local
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
Rs. 75
deposited in other
locations
Rs. 50
Cheques deposited -
outward Rs. 100 on non maintenance of Min
balance
Balance Enquiry - at
Free
Branch
Current year - Free, Previous year -
Balance Certificate
Rs. 250
Interest Certificate Rs. 50
TDS Certificate Free
Upto 14 days - No charge
Account Closure 15 days upto 6 months - Rs 100/-
Above 6 months - No charge
Photo Attestation Rs. 50
Rs. 50
Signature Attestation Rs. 40 (Senior Citizens / Individuals
in Rural areas)
Address
Rs. 50
Confirmation
Particular Cheque - Rs. 50 (Free
Stop Payment through Phonebanking), Range of
Charges Cheques - Rs. 100 (Free through
Phonebanking)
Cheque status per
Rs. 25
instance
Setting up Rs. 150, Rs. 25 per
Standing Instructions
transcation plus remittance charge
Unarranged Rs. 100 per occasion + 18% interest
overdraft pa
Old records/copy of Upto 1 year - Rs. 50 per record,
paid cheques Above 1 year - Rs. 100 per record
Activation of
No charges
dormant account
Free
3 free in the qtr & Rs. 60 per
Branch transactions additional transaction on non-
maintenance of Min balance (cash
deposit/withdrawal)
Interbranch
transactions through
Free
teller counters -
Funds Transfer
Interbranch
Upto Rs. 50,000/- free per day,
transactions through
Above Rs. 50,000/- Rs 2.90 per
teller counters - Cash
1,000/- on the full amount.
transactions.
Third party cash
transactions at non- Upto a limit of Rs.50,000 per day -
home branches Rs.100 (plus taxes). Above
through teller Rs.50,000 - Not allowed
counters
Third party cash
transactions at home
Free of charge
branch through teller
counters
Local Cheque No Charge
deposited for
outstation accounts
Phonebanking - IVR Free
Free
Rs. 50 per call on non maintenance
Phonebanking - Non of Min balance for transactions that
IVR are available on IVR but are done
through the PhoneBanking
executive
ATM Card Free
ATM Card -
Rs. 100 (plus taxes)
Replacement charges
Balance enquiry - Free
Cash withdrawal - 5 free cash
withdrawal transaction per month at
ATM Card -
Non-HDFC Bank ATM.
Transaction charge
Additional transaction done at Non-
for Partner banks -
HDFC Bank ATM - Rs 20/- per
SBI & Andhra Bank
transaction.
Per transaction limit will be Rs
10,000/-
ATM Card -
Transaction charge
NA
for Non-Partner
banks
Debit Card - Annual
Rs. 100 per year (plus taxes)
Fee - Regular
Debit Card - Annual
Rs. 500 per year (plus taxes)
Fee - Gold
Debit Card - Annual
Rs.100 per year (plus taxes)
Fee - Women's Card
Debit Card -
Renewal Fee - Rs. 100 per year (plus taxes)
Regular
Debit Card -
Rs. 500 per year (plus taxes)
Renewal Fee - Gold
Debit Card -
Renewal Fee - Rs.100 per year (plus taxes)
Women's Card
Replacement of a damaged card - No
Debit Card - charges & Replacement of a lost card
Replacement charges - Rs. 100 (plus taxes) (for all card
types)
Debit Card -
Transaction Charge - Free
HDFC Bank ATMs
Balance enquiry - Free
Cash withdrawal - 5 free cash
withdrawal transaction per month at
Debit Card -
Non-HDFC Bank ATM.
Transaction Charge -
Additional transaction done at Non-
Non HDFC Bank
HDFC Bank ATM - Rs 20/- per
Domestic ATMs
transaction
Per transaction limit will be Rs
10,000/-
Debit Card -
Transaction Charge - Rs. 15 per balance enquiry & Rs. 110
Non HDFC Bank per cash withdrawal (plus taxes)
International ATMs
PIN regeneration
Rs. 25 (plus taxes)
charge
Transactions declined at other Bank
ATMs anywhere in the world or at a
Decline charge for
Merchant outlet outside India due to
insufficient balance
insufficient funds will be charged at
Rs. 25 per transaction (plus taxes)
Add-on Debit Card - Rs. 100 per year (plus taxes) - One
Regular add-on card free for the first year
Add-on Debit Card -
Rs. 500 per year (plus taxes)
Gold Card
Add-on Debit Card -
Rs.100 per year (plus taxes)
Women's Card
Rs. 25 (plus taxes) per qtr per
BillPay
Customer ID
InstaPay Rs. 10 (plus taxes) per transaction
InstaAlert Free
Visa Money Transfer Rs. 20 (plus taxes) per transaction
NEFT Charges - NIL
Inward
 Upto Rs. 1 lac. - Rs. 5 (inclusive
NEFT Charges- of taxes) per transaction
outward  Rs. 1 lac and above - Rs. 25
(inclusive of taxes) per transaction
Customers having NSBL*A/c - Rs
20/-
NEFT Charges for
Customers having Non-NSBL* A/c:
Indo Nepal
Upto Rs 5,000 - Rs 70/-
transactions
Above Rs 5,000 - Rs 95/-
* Nepal State Bank Ltd
Through Branch -
Rs.1,00,000 to Rs.5,00,000 -Rs.25/-,
Rs.5,00,000 and above - Rs. 50/-
RTGS - Outward
Through Netbanking:-
Rs. 25 (inclusive of taxes) per
transaction
RTGS - Inward NIL
Mobilebanking NIL
Netbanking Free
ECS (Debit) Return
Rs 200 (plus taxes)
Charges

*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.

ICICI

Available to All Cities


Eligibility Resident Indian, >18yrs
Metro and Urban - Rs.10,000,
Minimum average quarterly balance
Semi-urban and Rural - Rs.5,000
Charges for non maintenance of
Rs.750 per quarter
minimum quarterly average balance
Nil for the first 12 transactions of a quarter;
Cash transactions at base branch
Thereafter in the quarter, Rs.50 per
(branches in same city)
transaction
Nil for the first cash withdrawal of a
calendar month;
Anywhere Cash Withdrawals by
Thereafter in the month, Rs.5 per thousand
customer or customers representative
rupees or part thereof, subject to a
to the debit of the customers own
minimum of Rs.150
savings Account at a non-base branch
(Maximum withdrawal limit –
i.e. branch in other city
Self: Rs.50,000 per day, Third party:
Rs.15,000 per day)
Anywhere Cash deposit by customer or Nil for the first cash deposit of a calendar
customers representative to the credit month;
of the customers own savings Account Thereafter in the month, Rs.5 per thousand
at a non-base branch i.e. branch in rupees or part thereof, subject to a
other city minimum of Rs.150
Nil for the first five cash withdrawals in the
ATM Interchange (Transactions at Non
month and Rs.18 per cash withdrawal
ICICI Bank ATMs)
thereafter in the same month.
Transactions at ICICI Bank ATMs Free
Rs.50 per D.D. up to Rs.10,000;Rs.3 per
Issue of DD drawn on ICICI Bank by thousand rupees or part thereof for DD of
cheque/transfer more than Rs.10,000, subject to a minimum
of Rs.75 and maximum of Rs. 15,000
Free Quarterly Statement
Statement
Free monthly e-mail statement on request
Debit Card Fees for first Account
Rs.99 p.a.
Holder
Debit Card Fees for joint Account
Rs.99 p.a.
Holder
Daily spending/withdrawal limit:
Debit Card Cash withdrawal limit
25,000/25,000
Nil for 30 payable-at-par cheque leaves in a
quarter;
Cheque Books
Rs. 30 for every additional cheque book of
15 leaves
Up to Rs 50000 per month: no charges;
Charges for Multicity cheque payment Above Rs 50000 Rs.3 per thousand rupees
on full amount.
Upto Rs. 10,000 – Rs. 50 per instrument.
Cheque collection charges from Rs. 10,001 to Rs. 1 lakh – Rs 100 per
upcountry locations (I-Bank branch) instrument.
Above Rs. 1 lakh - Rs. 150 per instrument
Upto Rs. 10,000 – Rs. 50 per instrument.
Cheque collection charges from
Rs. 10,001 to Rs. 1 lakh – Rs 100 per
upcountry locations (Non I-Bank
instrument.
branch)
Above Rs. 1 lakh - Rs. 150 per instrument
Chargeable Transactions if minimum Balance is not maintained
Nil for the first three transactions of a
Cash transactions at branch in the
quarter; Thereafter in the quarter, Rs. 60
event of non-maintenance of QAB
per transaction
Cheque books in the event of non- Rs. 5 per cheque leaf for all cheque books
maintenance of QAB issued during the quarter

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