HDFC Current Account

Last Updated 15th Oct 2020

HDFC Bank Current Account Interest Rate

HDFC BankRegular Current Account
Minimum Account BalanceRs.10,000 per quarter
Non Maintenance Charge Rs. 1,500 per quarter
Cash Withdraw LimitUnlimited at base withdrawal
Interest RateNil

Salient Feature of HDFC Bank Current Account:

  • Free Cash Deposits Limit at Home Location is Rs. 2 Lakhs
  • Compare the Current Account features of HDFC Bank with other banks and pick the best bank for yourself.
  • Walk in the nearest HDFC Bank branch to open a Current Account and avail quality services.
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HDFC Current Account Minimum Balance and Charges

HDFC Bank Current Account HDFC Bank Current Account Minimum Balance Non Maintenance Charges
Regular Current AccountRs.10,000 per quarterRs. 1,500 per quarter
Premium Current AccountRs. 25,000 per quarterRs. 1,800 per quarter
Trade Current AccountRs. 40,000 per quarterRs. 2,400 per quarter
Flexi Current AccountRs. 75,000 per monthRs. 1,000 per month
Plus Current AccountRs. 1 Lakh per quarterRs. 1,500 if AQB is more than Rs. 50,000 and Rs. 6,000 if AQB is less than Rs. 50,000
Max Current AccountRs. 5 Lakh per quarterRs. 3,000 if AQB is more than Rs. 2.5 Lakh and Rs. 8,000 if AQB is is less than Rs. 2.5 Lakh
Apex Current AccountRs. 10 Lakh per quarterRs. 5,000 if AQB is more than Rs.5 Lakh and Rs. 10,000 if AQB is is less than Rs.5 Lakh
Ultima Current AccountRs. 20 Lakh per quarterN/A
Ezee Current AccountRs. 50,000 per qtr. - Urban/Metro & Rs. 25,000 per qtr. -Semi Urban/RuralRs. 900 per quarter
Supreme Current AccountRs. 1 Lakh per qtr. - Urban/Metro & Rs. 40,000 per qtr. -Semi Urban/RuralRs. 3,000 per quarter

HDFC Bank Account Details – Current Account

HDFC Bank Current Accounts have been customised to meet the varied customer needs. Current Account are business accounts which provide unlimited daily transactions along with personalised services to help the businessmen and self employed professionals such as doctors, consultants, chartered accountants to conduct daily bank transactions. HDFC Bank also offers an overdraft facility under which a credit limit is offered to allow you to withdraw money as and when required to meet your working capital requirements.

HDFC Current Account Products

Regular Current Account

  • Free Cash Deposits Limit at Home Location is Rs. 2 Lakhs
  • Minimum balance requirement is Rs.10,000 per quarter
  • Charges for non maintenance of the minimum balance is Rs. 1,500 per quarter
  • Cash withdrawal limit is Unlimited at base withdrawal

Premium Current Account

  • Free Cheque leaves 100
  • Free Cash Deposits Limit at Home Location is Rs. 3 Lakh
  • Minimum balance requirement is Rs. 25,000 per quarter
  • Charges for non maintenance of the minimum balance is Rs. 1,800 per quarter

Trade Current Account

  • Free Cheque leaves 200
  • Free Cash Deposits Limit at Home Location is Rs. 5 Lah
  • Minimum balance requirement is Rs. 40,000 per quarter
  • Charges for non maintenance of the minimum balance is Rs. 2,400 per quarter

Flexi Current Account

  • Free Cheque leaves 100
  • Free Cash Deposits Limit at Home Location is 10 times the current month AMB maintained
  • Minimum balance requirement is Rs. 75,000 per month
  • Charges for non maintenance of the minimum balance is Rs. 1,000 per month

Plus Current Account

  • Free Cheque leaves per month 300
  • Free Cash Deposits Limit at Home Location is Rs. 10 Lakh
  • Minimum balance requirement is Rs. 1 Lakh per quarter
  • Charges for non maintenance of the minimum balance is Rs. 1,500 if AQB is more than Rs. 50,000 and Rs. 6,000 if AQB is less than Rs. 50,000

Max Current Account

  • Free Cheque leaves per month 500
  • Free Cash Deposits Limit at Home Location has Combined Limit of 60 Lakhs or 10 times current months AMB
  • Minimum balance requirement is Rs. 5 Lakh per quarter
  • Charges for non maintenance of the minimum balance is Rs. 3,000 if AQB is more than Rs. 2.5 Lakh and Rs. 8,000 if AQB is is less than Rs. 2.5 Lakh

Apex Current Account

  • Free Cheque leaves per month 1000
  • Free Cash Deposits Limit at Home Location is 120 Lakhs or 10 times previous months AMB
  • Minimum balance requirement is Rs. 10 Lakh per quarter
  • Charges for non maintenance of the minimum balance is Rs. 5,000 if AQB is more than Rs.5 Lakh and Rs. 10,000 if AQB is is less than Rs.5 Lakh

Ultima Current Account

  • Free Cheque leaves per month 1500
  • Free Cash Deposits Limit at Home Location is 50 Lakhs
  • Minimum balance requirement is Rs. 20 Lakh per quarter

Ezee Current Account

  • Free Cheque leaves per month 100
  • Free Cash Deposits Limit at Home Location has Combined limit of 4 Lakhs or 6 times the current month's AMB maintained
  • Minimum balance requirement is Rs. 50,000 per qtr. - Urban/Metro & Rs. 25,000 per qtr. -Semi Urban/Rural
  • Charges for non maintenance of the minimum balance is Rs. 900 per quarter

Supreme Current Account

  • Free Cheque leaves per month 300
  • Free Cash Deposits Limit at Home Location has Combined limit of 10 Lakhs or 10 times the current month's AMB maintained
  • Minimum balance requirement is Rs. 1 Lakh per qtr. - Urban/Metro & Rs. 40,000 per qtr. -Semi Urban/Rural
  • Charges for non maintenance of the minimum balance is Rs. 3,000 per quarter

HDFC Bank Current Account Eligibility

To open a HDFC Bank Current account, one needs to fulfil the following eligibility criteria:

  • The individual applying for a current account requires authentic KYC documents.
  • It can be opened by sole proprietors, partnerships, co-operative societies, Trustors, administrations and documentation.
  • Further, HDFC Bank requires a minimum account balance of Rs.10,000 per quarter to be maintained in its current account.

HDFC Bank Current Account Opening Procedure

A current account facility can be availed in any bank through both online and offline procedures. The online process to open a current account is more time saving and easy.

Online Process:

  • Visit the Bank's website or the Bank's online current account portal.
  • Select the 'Open current account' option.
  • Fill in the personal details in the current account application form.
  • Download the application form and submit the printed copy in the Bank on your next visit.

For the offline process, one needs to visit the nearest Bank in person, with the required documents.

HDFC Current Account Opening Documents

  • Proof of identity – PAN card, voter ID card, passport, driving license
  • Proof of address
  • Recent Colour Photograph
  • PAN/Form 49 A along with Form 60 if applied for PAN
  • Account opening Cheque from existing Savings/Individual Current Account

FAQs on HDFC Bank Current Account

How much interest is offered by HDFC Bank on Current Account?

HDFC Bank like any other Current Account does not offer an interest on the account.

What is the minimum amount required for opening Current Account in HDFC?

HDFC Current Account minimum balance is Rs.10,000 per quarter.

How to open a Current Account online with HDFC Bank ?

To open a Current Account online you can visit the website of HDFC Bank and choose from the wide range of Current Account products offered by HDFC Bank. Click the “apply now” option, fill in your details, and submit. The bank representatives will contact you for further information and for processing your account application form.

What are HDFC Bank Current Account charges on non maintenance of balance?

The Balance Non Maintenance Charges on Current Account by HDFC Bank are Rs. 1,500 per quarter.

What are the HDFC Bank cash withdrawal limit on Current Account?

The cash withdrawal limit on Current Account is Unlimited at base withdrawal

Does HDFC Bank offer Debit/credit card to the account holder?

Yes, HDFC Bank offers debit card or credit card to its Current Account holders. The type and features of these debit cards or credit cards may differ with the Current Account you choose to open.

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