Senior citizen saving account

You will get some exclusive privileges with your Senior Citizens account, just so that you know we care. Shop with pride with your EasyShop International Debit Card, offered free for life to the primary account holder. You can spend up to Rs. 40,000 per day at any point of sale (POS). Enjoy cash withdrawals of up to Rs. 25,000 per day on your debit card at any HDFC Bank ATM. If the first applicant is a woman and new to the bank, our special free Womans Advantage Debit Card with cash withdrawals of up to Rs. 25,000 per day and shopping (point of sale) limit of Rs. 40,000 per day will be issued by default Withdraw cash for free at any banks 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 third party cash transactions at non-account branches to have your near and dear ones deposit/withdraw up to Rs. 50,000 per day on your behalf. Withdrawals above Rs. 50,000 will attract a charge of Rs. 5/- per Rs. 1,000 on the full amount. Use PhoneBanking, MobileBanking, NetBanking and BillPay facility absolutely free for all your banking needs. Avail free SMS alerts to know the transactions in your account.Get free Email statements. National Electronic Funds Transfer (NEFT) facility is available.

As a senior citizen, you can enjoy a host of benefits on your account:

o o o o Get preferential rates of FDs Avail of special offers on Demat accounts No annual maintenance charge (AMC) for the first year 50% AMC from the second year onwards Dematerialisation of physical shares free for lifetimeThe offer is applicable only for the first Demat account linked to your Senior Citizens account Special offers on new Online Trading Account Account opening charges for only Rs. 499 5 free trades valid for 3 months from your account opening date Free Gold Credit Card* Free travellers cheques

Insurance Benefits*
Get accidental hospitalisation cover of Rs. 50,000 per annum. This is a reimbursement cover for the first applicant. Claim a 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. You just need to use your HDFC Bank Debit Card at a merchant establishment for purchase transactions. Note: Your claim will be processed only if you have used your HDFC Bank Debit Card at a merchant establishment at least once in the previous 6 months from the date of hospitalisation

Eligibilty All resident individuals (sole or joint) in the age group of 60 years and above are eligible to open the Senior Citizens Account. In the case of a joint account, the first applicant has to be a senior citizen. Minimum Balance Requirement
A minimum deposit of Rs. 5,000/- is required to open a Senior Citizens Account and thereafter an Average Monthly Balance (AMB) of the same amount has to be maintained. Non-maintenance of required AMB will invite charges of Rs.100/- per month. Transaction charges will be applicable in case the specified AMB has not been maintained in the previous month.

Minimum balance (average monthly balance) Charges on non-maintenance thereof Cheque book

Rs. 5,000 (urban/semi-urban) If AMB of Rs 5,000 is not maintained - Rs 100/- per month would be levied. 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 No charges Monthly statements sent by post Branch - Rs 100/PhoneBanking(Non-IVR) Rs.75/NetBanking, MobileBanking, PhoneBanking - IVR & ATM Rs 50/Rs. 400 per year

PAP cheque book usage charges Account statements - Free Issue of duplicate/adhoc statements

Hold statement

Passbook issuance* Duplicate passbook issuance* Managers cheques/demand drafts (issuance/re-issuance) - At HDFC Bank locations

Free Rs 100/DD request through Branch Upto Rs. 10,000 Rs. 40 (senior citizens/individuals in rural areas) Rs. 30 through PhoneBanking 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 Rs. 2.50 per 1000 or part thereof (min Rs. 150)

Above Rs.10,000 & upto Rs. 50,000

Above Rs. 50,000 & upto Rs. 1 lakh Above Rs. 1 lakh

Rs. 2 per 1,000 or part thereof (max Rs 10,000/-)

DD request through NetBanking Upto Rs. 1 lakh Third party Rs. 30 + (corr. bank charges if applicable) Rs. 30 + (corr. bank

DD* upto Rs. 1 lakh

charges if applicable)

(*Third party registration required. Customers registered for third party transfers have a maximum limit of 10 lakh per cust id and hence can issue multiple DDs of Rs 1 lakh upto Rs 10 lakh and send it to the beneficiary address)

Managers cheque/demand drafts Cancellation/revalidation Demand Drafts (issued) - At nonHDFC Bank locations

Rs. 40 (senior citizens/individuals in rural areas)

Rs. 50 plus charges as outlined below: Upto Rs. 500 Above Rs. 500 to Rs. 1000 Above Rs. 1,000 to Rs. 5,000 Above Rs. 5,000 to Rs. 10,000 Above Rs. 10,000 to Rs. 1 lakh Above Rs. 1 lakh Rs. 10 Rs. 15

Rs. 25

Rs. 30

Rs. 3 per 1,000 or part thereof

Rs. 6 per 1,000 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 Upto Rs 5,000 Rs. 5,001/- to Rs. 10,000/Rs. 10,001/- to Rs. 1,00,000/Rs. 1,00,001/and above Cheques drawn on Speed Clearing Branches Upto Rs. 1,00,000 Rs. 1,00,001/and above

Senior citizens account

Rs. 20/Rs. 40/-

Rs. 100/-

Rs. 150/-

Senior Citizens Account

No charges

Rs. 140/- per instrument

Collection of outstation cheques Other locations

Charges for cheques drawn on non-branch locations Upto Rs 5,000 Rs. 5,001/- to Rs. 10,000/Rs. 10,001/- to Rs. 1,00,000/-

Senior Citizens Account

Rs. 20/Rs. 40/-

Rs. 100/-

Rs. 1,00,001/and above Cheques drawn on Speed Clearing Branches Upto Rs. 1,00,000 Rs. 1,00,001/and above

Rs. 150/-

Senior Citizens Account

No charges

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 Charges due to funds transfer cheque return - Rs. 350/Due to technical reasons - No charge

Cheque return charges drawn on us deposited in other locations Cheques deposited - Returned unpaid Cheques deposited - Outward

Rs. 75 Charge of Rs 80/- per instance would be levied for senior citizens
Rs. 50 Rs. 100 on non-maintenance of min balance

Balance enquiry - At branch

Free

Balance Certificate Interest Certificate TDS Certificate Account closure

Current year - Free; previous year - Rs. 250 Rs. 50 Free Upto 14 days - Nil 15 days upto 6 months - Rs 500/6 months upto 12 months - Rs 500/Beyond 12 months - Nil Rs 100/- per instance Rs 100/- per instance Rs 100/- per instance Particular cheque - Rs. 50 (free through PhoneBanking and NetBanking); range of cheques Rs. 100 (free through PhoneBanking and NetBanking) Rs. 25 Setting up - Rs. 150; Rs. 25 per transaction plus remittance charge Rejects at Rs. 200/- per instance NA Upto 1 year - Rs. 50 per record; above 1 year - Rs. 100 per record No charges

Photo attestation Signature attestation Address confirmation Stop payment charges

Cheque status per instance Standing instructions

Unarranged overdraft Old records/copy of paid cheques Activation of dormant account

Branch transactions (includes only cheque deposit/cheque issuance/funds transfer debit/NEFT/RTGS)

Accounts maintaining AMB

Accounts not maintaining AMB 3 free transactions in a month would be permitted and a Rs 75/- per txn would be levied from the 4th transaction onwards.

- In case the AMB in the account is above Rs 50,000/No charges would be levied - In case the AMB is between the requisite product AMB and Rs 50,000/- 15 txn free/month would be permitted and charge of Rs 75/per txn would be levied 16th transaction onwards.

Cash transactions (cash deposits & withdrawals)

Accounts maintaining AMB 5 free cash transactions per month would be permitted and Rs 100/- per txn would be levied 6th transaction onwards.

Accounts not maintaining AMB 2 free transactionsin a month would be permitted and Rs 100/per txn would be levied 3rd transaction onwards.

Interbranch transactions through

Free

teller counters - Funds Transfer Inter-branch Cash txns through the teller counters. Local Cheque deposited for outstation accounts Phonebanking - IVR Phonebanking - Non IVR Upto Rs. 50,000/day - Free. Above Rs. 50,000 - Rs. 5 per 1,000 on the full amount No Charge Free
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 ATM Card - Replacement charges ATM Card - Transaction charge for Non-Partner banks Debit Card - Annual Fee Regular Debit Card - Annual Fee - Gold Debit Card - Annual Fee Women's Card Debit Card - Renewal Fee Regular

Free Rs. 100 (plus taxes) NA Free for life time for 1st applicant Rs.100 per year (plus taxes) for other applicants Rs. 500 per year (plus taxes) for all applicants Free for lifetime for 1st applicant Rs. 100 per year (plus taxes) for other applicants Free for lifetime for 1st applicant Rs. 100 per year (plus taxes) for

other applicants Debit Card - Renewal Fee - Gold Debit Card - Renewal Fee Women's Card Debit Card - Replacement charges Rs. 500 per year (plus taxes) Free for lifetime for 1st applicant Rs. 100 per year (plus taxes) for other applicants Replacement of a damaged card No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Free A total of 5 free ATM financial and non-financial transactions per month Additional transactions Rs. 20/(inclusive of taxes) per transaction for ATM Cash Withdrawals Rs. 8.50/- (exclusive of taxes) per transaction for ATM nonfinancial transactions Debit Card - Transaction Charge Non HDFC Bank International ATMs PIN regeneration charge Decline charge for insufficient balance Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) Rs. 50 (plus taxes) Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient

Debit Card - Transaction Charge HDFC Bank ATMs Debit Card - Transaction Charge Non HDFC Bank Domestic ATMs

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 Rs. 500 per year (plus taxes) Rs. 100 per year (plus taxes) This service is free w.e.f 1st August'2011 Rs. 10 (plus taxes) per transaction Free Rs. 20 (plus taxes) per transaction NIL

Add-on Debit Card - Gold Card Add-on Debit Card - Women's Card BillPay InstaPay InstaAlert Visa Money Transfer NEFT Charges - Inward NEFT Charges- outward

Amounts up to Rs. 10,000 Rs.2.5 (exclusive of taxes) per transaction Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes) per transaction Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (exclusive of taxes) per transaction Amounts above Rs.2 lakh Rs.25 (exclusive of taxes) per transaction Customers having NSBL*A/c Rs 20/Customers having Non-NSBL*

NEFT Charges for Indo Nepal transactions

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 NIL NIL Free - Rs 350/- would be levied on first instance of ECSreturn in a quarter. - Rs 750/- would be levied, second instance onwards in the same quarter. Rs 50/- per quarter

RTGS - Inward Mobilebanking Netbanking ECS (Debit) Return charges

Non Operational Account Account with no customer initiated transaction in the account for past 1 year Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address) TIN/IPIN Regeneration (requests received at the branch for physical dispatch)

Rs 50/- per instance

Rs 50/- per instance

SI rejects Cash Handling for cash deposit at home branch

Rs 200/- per instance For non-managed customers - Cash deposit value upto Rs 1 lakh/day - No charge - Above Rs 1 lakh - Rs 25/- per Rs 50,000 or part thereof.

Click here to view charges applicable before 1st January 2012

*at home branch for account holders (individuals) Effective 1st April 2012, all fees and charges, mentioned in the Tariff of charges, will attract Service Tax @12% and Education Cess @3% of the Service Tax amount. Have questions? Expand All

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