HDFC Regular Savings Account
An HDFC Regular Savings Account is a basic savings account for individuals and businesses. It offers features like interest on deposits, ATM/Debit cards, internet banking, and mobile banking for everyday financial needs.
Category | HDFC Regular Savings Account |
Minimum Balance Requirement (Average Monthly Balance) | Urban: Rs.10,000 Semi-Urban: Rs.5,000 Rural: Rs.2,500 |
Interest Rate | 4% per annum |
Debit Card Type | Urban/Metro: Mellenia Debit Card Semi-Urban/Rural: MoneyBack Debit Card |
Eligibility Criteria
The eligibility criteria that must be met to open a Regular Savings Account with HDFC Bank are mentioned below:
- Resident individuals can open a sole account or a joint account.
- Hindu Undivided Families can open an account.
- Foreign national who reside in the country are eligible.
- Self accounts can be opened by individuals above the age of 10 years. A debit card will be provided as well.
Services Provided with HDFC Regular Savings Account:
Sweep-in Facility | Yes |
Net Banking | Yes |
BillPay | Yes |
Mobile Banking | Yes |
Safe Deposit Lockers | Yes |
InstaPay | Yes |
InstaAlert | Yes |
Features of HDFC Regular Savings Account:
The main features of the regular savings account offered by HDFC Bank are mentioned below:
- Accessibility: Over 11000 ATMs and a wide network of branches across India.
- Sweep-in Facility: Fixed Deposit will be automatically dissolved to meet shortage of funds in Savings Account.
- BillPay: Pay frequent utility bill payments over the phone or online.
- Demat Account: Annual Maintenance Charge (AMC) waived off for the 1st year.
- Cash Withdrawals: Free cash withdrawals at ATMs of other banks.
- You can save more via the Super Saver Facilities.
- Safe Deposit Lockers are provided.
- Various offers are provided on debit cards.
- Passbook is provided.
- You can opt for email statements.
Accessibility | Over 11000 ATMs and a wide network of branches across India |
Sweep-in Facility | Fixed Deposit will be automatically dissolved to meet shortage of funds in Savings Account |
BillPay | Pay frequent utility bill payments over the phone or online. |
Demat Account | Annual Maintenance Charge (AMC) waived off for the 1st year |
Cash withdrawals | Free cash withdrawals at ATMs of other Banks |
Fees and Charges Applicable on HDFC Regular Savings Account:
Category | Charges |
Passbook Issuance | Free |
Issue of Duplicate Statements | Estatement: Free Physical Statement: Rs.100 (Rs.50 for senior statement) |
Additional Chequebook | Rs.100 (Rs.75 for senior citizens) |
Interest Certificate | Free |
Standing Instructions | 1st Return: Rs.200 (Rs.180 for senior citizens) 2nd Return: Rs.250 (Rs.225 for senior citizens) |
TDS Certificate | Free |
Activation of Dormant account | Free |
GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.
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