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Saving Max Acoount HDFC

  1. 1. A PROJECT REPORT ON “SAVING ACCOUNT OFFERINGS OF HDFC BANK” A report submitted in direction of the partial success of the necessities of the 2 years fulltime Post Graduate Programme in Management. 1
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  4. goal=”_blank” rel=”noopener”>4. TABLE OF CONTENT Titles Page No.  Introduction 06  Management 06  Board of directors 07  Business 08  Business focus 10  Promoters 11  Amalgamation 11  Distribution network 12  Technology 12  Saving account of HDFC Bank 13  SWOT Analysis 86  Comparative Analysis of Consumer Satisfaction Level 91  Conclusion 98  Bibliography 99 4
  5. goal=”_blank” rel=”noopener”>5. 5 INTRODUCTION The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an ‘inprinciple’ approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI’s liberalization of Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of ‘HDFC Bank Limited’, with its register office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. MANAGEMENT Mr. Jagdish Capoor took over as the bank’s Chairman in July 2001. Prior to this, Mr. Capoor was a Deputy Governor in the Reserve Bank of India. The Managing Director Mr. Aditya Puri has been a professional banker for over 25 years and before joining HDFC bank in 1994 was heading Citibank’s operation in Malaysia. The Bank’s Board of Directors is composed of eminent individuals with a wealth of experience in public policy, administration, industry and commercial banking. Senior executives representing HDFC are also on the Board. Senior banking professionals with substantial experience in India and abroad head various business and functions and report to the Managing Director. Given the professional expertise management team and the overall focus on recruiting and
  6. the most effective expertise within the trade, the financial institution consider…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-6-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>6. retaining the best talent in the industry, the bank believes that its people are a 6 significant competitive strength. BOARD OF DIRECTORS Mr. Jagdish Capoor, Chairman Mr. Aditya Puri, Managing Director Mr. Keki Mistry Mr. Vineet Jain Mrs. Renu Karnad Mr. Arvind Pandey Mr. Ashim Samanta Mr. C. M. Vasudev (Appointed as Additional Director w.e.f. 17.10.2006) Mr. Gautam Divan (Appointed as Additional Director w.e.f. 17.10.2006)
  7. goal=”_blank” rel=”noopener”>7. 7 Mr. Bobby Parikh (Resigned w.e.f. 17.10.2006) Dr. Venkat Rao Gadwal (Relinquished Office w.e.f. 14.3.2007) Dr. Pandit Palande (Appointed as Additional Director w.e.f. 24.04.2007) BUSINESS HDFC Bank offers a wide range of commercial and transactional banking services and treasury products to wholesale and retail customers. The bank has three key business segments: WHOLESALE BANKING SERVICES The Bank’s target market ranges from large, blue-chip manufacturing companies in the Indian corporate to small & mid-sized corporates and agri-based businesses. For these customers, the Bank provides a wide range of commercial and transactional banking services, including working capital finance, trade services, transactional services, cash management, etc. The bank is also a leading provider of structured solutions, which combine cash management services with vendor and distributor finance for facilitating superior supply chain management for its corporate customers. Based on its superior product delivery / service levels and strong customer orientation, the Bank has made significant inroads into the banking consortia of a number of leading Indian corporates
  8. together with multinationals, firms from the home busin…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-8-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>8. including multinationals, companies from the domestic business houses and prime public sector companies. It is recognised as a leading provider of cash management and transactional banking solutions to corporate customers, mutual funds, stock exchange 8 members and banks. RETAIL BANKING SERVICES The objective of the Retail Bank is to provide its target market customers a full range of financial products and banking services, giving the customer a one-stop window for all his/her banking requirements. The products are backed by world-class service and delivered to the customers through the growing branch network, as well as through alternative delivery channels like ATMs, Phone Banking, NetBanking and MobileBanking. The HDFC Bank Preferred program for high net worth individuals, the HDFC Bank Plus and the Investment Advisory Services programs have been designed keeping in mind needs of customers who seek distinct financial solutions, information and advice on various investment avenues. The Bank also has a wide array of retail loan products including Auto Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers. It is also a leading provider of Depository Participant (DP) services for retail customers, providing customers the facility to hold their investments in electronic form. HDFC Bank was the first bank in India to launch an International Debit Card in association with VISA (VISA Electron) and issues the MasterCard Maestro debit card
  9. effectively. The Bank launched its bank card enterprise in late…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-9-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>9. as well. The Bank launched its credit card business in late 2001. By September 30, 2005, the bank had a total card base (debit and credit cards) of 5.2 million cards. The Bank is also one of the leading players in the “service provider buying” business with over 50,000 Point-of-sale (POS) terminals for debit / credit cards acceptance at 9 merchant establishment. TREASURY Within this business, the bank has three main product areas – Foreign Exchange and Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the liberalization of the financial markets in India, corporates need more sophisticated risk management information, advice and product structures. These and fine pricing on various treasury products are provided through the bank’s Treasury team. To comply with statutory reserve requirements, the bank is required to hold 25% of its deposits in government securities. The Treasury business is responsible for managing the returns and market risk on this investment portfolio. BUSINESS FOCUS HDFC Bank’s mission is to be a World-Class Indian Bank. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer segments, and to achieve healthy growth in profitability, consistent with the bank’s risk appetite. The bank is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and
  10. enterprise philosophy is b…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-10-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>10. regulatory compliance. HDFC Bank’s business philosophy is based on four core values – Operational Excellence, Customer Focus, Product Leadership and People. 10 PORMOTERS HDFC is India’s premier housing finance company and enjoys an impeccable track record in India as well as in international markets. Since its inception in 1977, the Corporation has maintained a consistent and healthy growth in its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has developed significant expertise in retail mortgage loans to different market segments and also has a large corporate client base for its housing related credit facilities. With its experience in the financial markets, a strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian environment. AMALGAMATION In a milestone transaction in the Indian banking industry, Times Bank Limited (another new private sector bank promoted by Bennett, Coleman & Co./Times Group) was merged with HDFC Bank Ltd., effective February 26, 2000. As per the scheme of amalgamation approved by the shareholders of both banks and the Reserve Bank of India, shareholders of Times Bank received 1 share of HDFC Bank for every 5.75 shares of Times Bank. The acquisition added significant value to HDFC Bank in terms of increased branch network, expanded geographic reach, enhanced customer base, skilled manpower and the opportunity to cross-sell and leverage alternative delivery channels.
  11. goal=”_blank” rel=”noopener”>11. 11 DISTRIBUTION NETWORK HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of over 744 branches spread over 339 cities across India. All branches are linked on an online real-time basis. Customers in over 120 locations are also serviced through Telephone Banking. The Bank’s expansion plans take into account the need to have a presence in all major industrial and commercial centres where its corporate customers are located as well as the need to build a strong retail customer base for both deposits and loan products. Being a clearing/settlement bank to various leading stock exchanges, the Bank has branches in the centres where the NSE/BSE has a strong and active member base. TECHNOLOGY HDFC Bank operates in a highly automated environment in terms of information technology and communication systems. All the bank’s branches have online connectivity, which enables the bank to offer speedy funds transfer facilities to its customers. Multi-branch access is also provided to retail customers through the branchnetworkandATM. The Bank has made substantial efforts and investments in acquiring the best technology available internationally, to build the infrastructure for a world class bank. The Bank’s business is supported by scalable and robust systems which ensure that our clients always get the finest services we offer.
  12. expertise and t…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-12-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>12. The Bank has prioritized its engagement in technology and the internet as one of its key goals and has already made significant progress in web-enabling its core businesses. In each of its businesses, the Bank has succeeded in leveraging its market position, expertise and technology to create a competitive advantage and 12 build market share. SAVING ACCOUNTS OF HDFC BANK HDFC bank offers different type of saving account to the requirement and potentiality of the customers. Those offers are discussed one by one as below. 1. REGULAR SAVING ACCOUNT It is an easy to operate saving account that allows a customer to issue cheques, draw demand drafts and withdraw cash. The customers can check up on their balances at their on comfort zone through net banking, phone banking and mobile banking. 1.1. FEATURES & BENEFITS  Wide network of branches and over thousand of ATMs to meet customers all banking needs. It does not matters where the customer locates.  Bank conveniently with facilities like net banking, mobile banking check customers account balance, put utility bills or stop cheque payment through SMS.
  13. clients can store utilizing their Internati…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-13-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>13.  Never overspend- customers can shop using their International Debit Card that reflects the actual balance in their savings account.  Personalized cheques with their name printed on each cheque leaf for 13 enhanced security.  Availability of facilities like safe deposit locker, sweep in and super saver facility on customers account.  Three free transactions on SBI/Andhra bank ATM per month.  Free payable at par cheque book without any usage charge up to a limit of Rs. 50000 p.m.  Free InstaAlert for all account holders for life time of the account.  Free passbook facility available for home branch for individual account holders.  Free e-mail statement facility. 1.2. ELIGIBILITY & ACCOUNT OPERATION ELIGIBILITY The following are eligible to open a Regular Saving account.  Resident Individuals (sole or joint account).  Hindu Undivided Families. ACCOUNT OPERATION  A minimum deposit of Rs. 5,000/- is required to open an account and thereafter an Average Quarterly Amount of the same amount has to be maintained.  If a customer open a Fixed Deposit Account of Rs. 50,000/-, then no longer they have to maintain a minimum balance of Rs. 5,000 on their Savings Account. In effect their account becomes a Zero Balance Account.
  14. goal=”_blank” rel=”noopener”>14. 14 1.3. FEES & CHARGES Description of Charges Regular Savings Account Minimum Balance (Average Quarterly Balance) Option 1 Rs. 5000 (Urban), Rs. 2500 (Semi-urban) Option 2 NIL with a Fixed deposit of Rs. 50,000 Charges on non maintenance thereof Option 1 Rs. 750 per qtr (Urban & Semi-urban) Option 2 In case of non maintenance of Rs. 50,000 Fixed Deposit – Rs. 750 per qtr (Urban & Semi-urban) Cheque Book Free Rs. 5 per leaf on non maintenance of Min balance PAP Cheque book Upto Rs. 50,000 pm – No charges, Above Rs. 50,000 – Rs. 2.90 per 1000 on full amount. Account Statements – Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phone banking (Non-IVR) & ATM, Rs.30 per statement through Net banking,
  15. goal=”_blank” rel=”noopener”>15. Phone banking (IVR), & Mobile banking. Hold Statement Rs. 400 per year Passbook issuance Free Duplicate passbook issuance Rs 100/- 15 Managers Cheques/Demand Drafts- Issuance/Re-issuance – On HDFC Bank Locations DD request through Branch Upto Rs. 10,000 Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phone banking) Rs. 60 (Senior Citizens / Individuals in Rural areas) Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phone banking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000)
  16. via Netbanking Upto Rs. 1 Lakh 16 Rs .30…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-16-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>16. DD request through Netbanking Upto Rs. 1 Lakh 16 Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) (Third Party Registration required. Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust. id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address) Managers Cheque/Demand Drafts – Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued – On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. Rs. 30
  17. goal=”_blank” rel=”noopener”>17. 5000 to Rs. 10,000 Above Rs. 10,000 to Rs. 1 Lakh 17 Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300) Cheque Collection – Local Clearing Zone Free Collection of outstation cheques – our bank locations Cheques drawn on metro/non-metro cities (Branch Locations) Cheque value Rs. 0 to Rs. 500 No Charges Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50) Credit on receipt of clear funds Collection of outstation cheques – other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up – 0.40% (Min Rs. 50) Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques – 0.65% + Rs. 25 (Min Rs. 50)
  18. expenses…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-18-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>18. Credit on receipt of clear funds 18 Cheque return charges drawn on us – Local Due to insufficient funds – Rs. 350 Due to Technical reasons – No charge Rs. 400 on non-maintenance of Min balance Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited – outward Rs. 50 Rs. 100 on non maintenance of Min balance Balance Enquiry – at Branch Free Balance Certificate Current year – Free, Previous year – Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days – No charge 15 days upto 6 months – Rs 100/- Above 6 months – No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque – Rs. 50 (Free through Phonebanking), Range of Cheques – Rs. 100
  19. via Phonebanking) Cheque standing per occasion Rs….” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-19-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>19. (Free through Phonebanking) Cheque status per instance Rs. 25 19 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft Rs. 100 per occasion + 18% interest pa Cash Delivery (in select cities) Rs. 50 per delivery subject to max value of Rs. 1 Lakh Old records/copy of paid cheques Upto 1 year – Rs. 50 per record, Above 1 year – Rs. 100 per record Activation of dormant account Rs. 100 Branch transactions Free 3 free in the qtr & Rs. 60 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal) Interbranch transactions through teller counters – Funds Transfer Free Interbranch transactions through teller counters – Cash transactions. Upto Rs. 50,000/- free per month, Above Rs. 50,000/- Rs 2.90 per 1,000/- on the full amount. Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.10,000 per day – Rs.100 (plus taxes). Above Rs.10,000 – Not allowed Third party cash transactions at home branch through teller Free of charge
  20. goal=”_blank” rel=”noopener”>20. 20 counters Local Cheque deposited for outstation accounts No Charge Phonebanking – IVR Free Phonebanking – Non IVR 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 Free ATM Card – Replacement charges Rs. 100 (plus taxes) ATM Card – Transaction charge for Partner banks – SBI & Andhra Bank Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal ATM Card – Transaction charge for Non-Partner banks NA Debit Card – Annual Fee – Regular Rs. 100 per year (plus taxes) Debit Card – Annual Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Annual Fee – Women’s Card Rs.100 per year (plus taxes) Debit Card – Renewal Fee – Regular Rs. 100 per year (plus taxes)
  21. yr (plus taxe…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-21-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>21. Debit Card – Renewal Fee – Gold Rs. 500 per year (plus taxes) 21 Debit Card – Renewal Fee – Women’s Card Rs.100 per year (plus taxes) Debit Card – Replacement charges Replacement of a damaged card – No charges & Replacement of a lost card – Rs. 100 (plus taxes) (for all card types) Debit Card – Transaction Charge – HDFC Bank ATMs Free Debit Card – Transaction Charge – Non HDFC Bank Domestic ATMs Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal Debit Card – Transaction Charge – Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient 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 Add-on Debit Card – Gold Card Rs. 500 per year (plus taxes)
  22. yr (plus…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-22-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>22. 22 Add-on Debit Card – Women’s Card Rs.100 per year (plus taxes) Bill Pay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction EFT Charges – Inward NIL EFT Charges- outward NIL RTGS – Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, Max Rs. 1000) (plus taxes) RTGS – Inward NIL Mobilebanking NIL Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) Passbook issuance(at home branch) Free Duplicate passbook issuance Rs 100/- 2. SAVING PLUS ACCOUNT This is the best banking option for the customer to open Saving Plus Account with HDFC Bank. The customers have to maintain an Average Quarterly Balance of Rs. 10,000/- and experience the benefits.
  23. community of branches and ov…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-23-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>23. 2.1. FEATUERS & BENEFITS  Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located.  3 Free transactions on SBI/Andhra Bank ATMs per month.  3 Free transactions on any other Bank’s ATM per month.  Free International Debit Card for all account holders for life time of the 23 account.  Free Demand Drafts on HDFC Bank locations, upto a limit of 25,000/- per day.  Free Bill Pay & InstaAlerts for all account holders for lifetime of the account.  Free Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBanking.  Special relationship discount on purchase of Gold Bars.  25%-off on the Locker rental for the 1st year (only).  Free Passbook facility available at home branch for account holders (individuals). 2.2. ELIGIBILITY & ACCOUNT OPERATION ELIGIBILITY  Resident Individuals (sole or joint account).  Hindu Undivided Families.  Foreign Nationals residing in India.  If someone is a Foreign National residing in India, he or she may open a Savings Account by temporarily attaching an undertaking, stating sources of credit and a copy of your Residence Permit.
  24. minimal deposit of Rs. 10,000/-…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-24-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>24. 24 ACCOUNT OPERATION.  A minimum deposit of Rs. 10,000/- is required to open an account and thereafter an Average Quarterly Amount of the same amount has to be maintained.  If AQB in the savings a/c is >=10,000/- and/or the balance in the FD is >=50,000/-, no AQB non-maintenance charges will be levied.  If the AQB in the SB a/c falls below 10,000/- and balance in the FD is also <=50,000/-, following charges would be applicable: AQB in the SB a/c between 5,000/- and 10,000: Rs. 750/- per quarter AQB in the SB a/c is less than 5,000/-:  Thus, if the Savings Plus Account AQB is <10,000/- but FD balance is >=50,000/-, no minimum balance charges will apply.  Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr.
  25. goal=”_blank” rel=”noopener”>25. 25 2.3.FEES & CHARGES Description of Charges Savings Plus Account Minimum Balance (Average Quarterly Balance) Option 1 Rs. 10000(Urban/Semi-urban) Option 2 NIL with a Fixed deposit of Rs. 50,000 Charges on non maintenance thereof Option 1 AQB in the SB a/c between 5,000/- and 10,000/-: Rs. 750/- per quarter, AQB in the SB a/c is less than 5,000/- :Rs. 1,000/- Option 2 In case of non maintenance of Rs. 50,000 Fixed Deposit the charges mentioned in Option 1 would be applicable Cheque Book Free Rs. 5 per leaf on non maintenance of Min balance PAP Cheque book Upto Rs. 50,000 pm – No charges, Above Rs. 50,000 – Rs. 2.90 per 1000 on full amount Account Statements – Free Monthly statements to be Collected from branch. Quarterly statements sent by post
  26. goal=”_blank” rel=”noopener”>26. 26 Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking. Hold Statement Rs. 400 per year Passbook issuance Free Duplicate passbook issuance Rs 100/- Managers Cheques/Demand Drafts- Issuance/Re-issuance – On HDFC Bank Locations Free DDs/MCs per account per month with maximum of Rs. 25,000 per day DD request through Branch Above Rs. 25,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking) Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)
  27. half thereof (Min …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-27-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>27. Above Rs. 1 27 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) (Third Party Registration required. Customers registered for Third Party Transfers have a maximum limit of 5 lakh per cust. id and hence can issue multiple DDs of 1 lakh upto 5 lacs and send it to the benefiacry address) Managers Cheque/Demand Drafts – Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued – On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25
  28. goal=”_blank” rel=”noopener”>28. Above Rs. 5000 to Rs. 10,000 28 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300) Cheque Collection – Local Clearing Zone Free Collection of outstation cheques – our bank locations Cheques drawn on metro/non-metro cities (Branch Locations) Cheque value Rs. 0 to Rs. 500 No Charges Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50) Credit on receipt of clear funds Collection of outstation cheques – other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up – 0.40% (Min Rs. 50) Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques –
  29. enjoyable…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-29-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>29. 0.65% + Rs. 25 (Min Rs. 50) Credit on receipt of clear funds 29 Cheque return charges drawn on us – Local Due to insufficient funds – Rs. 350 Due to Technical reasons – No charge Rs. 400 on non-maintenance of Min balance Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited – outward Rs.50 Rs. 100 on non maintenance of Min balance Balance Enquiry – at Branch Free Balance Certificate Current year – Free, Previous year – Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days – No charge 15 days upto 6 months – Rs 100/- Above 6 months – No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural
  30. goal=”_blank” rel=”noopener”>30. 30 areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque – Rs. 50 (Free through Phonebanking), Range of Cheques – Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transcation plus remittance charge Unarranged overdraft NA Cash Delivery (in select cities) Rs. 50 per delivery subject to max value of Rs. 1 Lakh Old records/copy of paid cheques Upto 1 year – Rs. 50 per record, Above 1 year – Rs. 100 per record Activation of dormant account Rs. 100 Branch transactions Free 3 free in the qtr & Rs. 60 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal) Interbranch transactions through teller counters – Free
  31. via telle…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-31-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>31. 31 Funds Transfer Interbranch transactions through teller counters – Cash transactions Upto Rs. 50,000/- free, Above Rs. 50,000/- Rs 2.90 per 1,000/- on the full amount. Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.10,000 per day – Rs.100 (plus taxes). Above Rs.10,000 – Not allowed Third party cash transactions at home branch through teller counters Free of charge Local Cheque deposited for outstation accounts No Charge Phonebanking – IVR Free Phonebanking – Non IVR 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 Free
  32. expenses Rs. 100 (plus taxes) …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-32-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>32. 32 ATM Card – Replacement charges Rs. 100 (plus taxes) ATM Card – Transaction charge for Partner banks – SBI & Andhra Bank Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal ATM Card – Transaction charge for Non-Partner banks NA Debit Card – Annual Fee – Regular Free for all account holders for life time Debit Card – Annual Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Annual Fee – Women’s Card Rs. 100 per year (plus taxes) Debit Card – Renewal Fee – Regular NA Debit Card – Renewal Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Renewal Fee – Women’s Card Rs. 100 per year (plus taxes) Debit Card – Replacement Replacement of a damaged card – No charges &
  33. expenses Replacement of a misplaced card – Rs. 100 (plus taxes) …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-33-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>33. charges Replacement of a lost card – Rs. 100 (plus taxes) (for all card types) 33 Debit Card – Transaction Charge – HDFC Bank ATMs Free Debit Card – Transaction Charge – Non HDFC Bank Domestic ATMs Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal Debit Card – Transaction Charge – Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) Debit Card – Transaction Charge – SBI/Andhra Bank ATMs Balance enquiry: Free 2 Free transactions ( Cash Withdrawal ) per month Above 2 transactions, Rs.17.80 (plus taxes) per cash withdrawal PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes) Add-on Debit Card – Regular Free
  34. yr (plus …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-34-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>34. 34 Add-on Debit Card – Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card – Women’s Card Rs. 100 per year (plus taxes) BillPay Free InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction EFT Charges – Inward NIL EFT Charges- outward NIL RTGS – Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, Max Rs. 1000) (plus taxes) RTGS – Inward NIL Mobilebanking Free Netbanking Free Passbook issuance(at home branch) Free Duplicate passbook issuance Rs 100/-
  35. everybody to a …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-35-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>35. 35 3. SAVING MAX ACCOUNT HDFC Bank welcome everyone to a world of convenience by presenting SavingsMax account, loaded with maximum benefits to make banking experience a pleasure. By maintaining an average quarterly balance of just Rs. 25,000/- customer can get a host of premium services absolutely free. 3.1. FEATURES & BENEFITS  Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFC Bank ATMs & on any other Bank’s ATM using HDFC Bank Debit Card.  Free Gold Debit Card for primary account holder for lifetime of the account. Gold Debit Card for other account holders at Rs 250/- p.a.  Free Woman’s Advantage/International Debit Card for all account holders for lifetime of the account.  Free Payable-at-Par (PAP) chequebook, without any usage charges upto a limit of 1 lac per month.  Free Demand Drafts on HDFC Bank locations, upto a limit of 50,000/- per day at home branch.  Self/Third Party Cash Deposit/Withdrawal at non-home branches, upto Rs 50,000/- per day free. Above Rs 50,000 a charge of Rs 2.90 per thousand on the full amount would be applicable.  Optional sweep out facility to transfer extra savings to a Fixed Deposit, at the threshold of Rs.50,000/-.In the event of the balance in SavingsMax account
  36. the quantity in extra of Rs 50,000/- …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-36-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>36. exceeding Rs 50,000/-, the amount in excess of Rs 50,000/- will be swept out in to a Fixed Deposit with a minimum value of Rs 25000/- for a 1year 1day 36 period.  Free BillPay & InstaAlerts for all account holders for lifetime of the account.  Free Monthly Statement of Account.  50% off on the Locker rental for the 1st year only.  Folio maintenance charges on Demat account free for first year.  Free National Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBanking. 3.2. ELIGIBILITY & ACCOUNT OPERATION The following are eligible to open a Saving Max Account.  Resident Individuals (sole or joint account).  Hindu Undivided Families.  If you are a Foreign National residing in India, you may open a Savings Account by temporarily attaching an undertaking, stating sources of credit and a copy of your Residence Permit. ACCOUNT OPERATION  A minimum deposit of Rs. 25,000/- is required to open an account and thereafter an Average Quarterly Balance of the same amount has to be maintained.
  37. clear; shade: #008ed2; line-height: inherit;” title=” If the AQB within the SavingsMax a/c >= 25,000/- and/or the b…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-37-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>37.  If the AQB in the SavingsMax a/c >= 25,000/- and/or the balance in the FD is >= 100,000/-, no AQB non-maintenance charges will be levied. If the AQB in the SavingsMax a/c falls below 25,000/- and balance in the FD is also below 100,000 the following charges would be applicable: AQB in the SavingsMax a/c between Rs10,000/- and Rs 37 25,000 Rs. 1000/- per quarter AQB in the SavingsMax a/c is less than Rs10,000/- Rs. 1,500/- Qtr.  However, if the SavingsMax a/c AQB is <25,000/- but FD balance is >=100,000/- no minimum balance charges will apply.  Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr. 3.3. FEES & CHARGES Description of Charges Saving max account Minimum Balance (Average Quarterly Balance) Option 1 Rs. 5000 (Urban), Rs. 2500 (Semi-urban) Option 2 NIL with a Fixed deposit of Rs. 50,000 Charges on non maintenance thereof Option 1 Rs. 750 per qtr (Urban & Semi-urban) Option 2 In case of non maintenance of Rs. 50,000 Fixed Deposit – Rs. 750 per
  38. goal=”_blank” rel=”noopener”>38. 38 qtr (Urban & Semi-urban) Cheque Book Free Rs. 5 per leaf on non maintenance of Min balance PAP Cheque book Upto Rs. 50,000 pm – No charges, Above Rs. 50,000 – Rs. 2.90 per 1000 on full amount. Account Statements – Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phone banking (Non-IVR) & ATM, Rs.30 per statement through Net banking, Phone banking (IVR), & Mobile banking. Hold Statement Rs. 400 per year Passbook issuance Free Duplicate passbook issuance Rs 100/- Managers Cheques/Demand Drafts- Issuance/Re-issuance – On HDFC Bank Locations DD request through Branch Upto Rs. 10,000 Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phone banking) Rs. 60 (Senior Citizens / Individuals in Rural areas)
  39. quantity upto Rs 100,000 for Preferred & Rs 50,…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-39-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>39. 39 Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phone banking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) (Third Party Registration required. Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust. id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address) Managers Cheque/Demand Drafts – Cancellation / Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural
  40. goal=”_blank” rel=”noopener”>40. Revalidation areas) 40 Demand Drafts- Issued – On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300) Cheque Collection – Local Clearing Zone Free Collection of outstation cheques – our bank locations Cheques drawn on metro/non-metro cities (Branch Locations) Cheque value Rs. 0 to Rs. 500 No Charges Cheque value Rs. 501 & Re. 1 per 1000 (Min Rs. 50)
  41. goal=”_blank” rel=”noopener”>41. above Credit on receipt of clear funds 41 Collection of outstation cheques – other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up – 0.40% (Min Rs. 50) Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques – 0.65% + Rs. 25 (Min Rs. 50) Credit on receipt of clear funds Cheque return charges drawn on us – Local Due to insufficient funds – Rs. 350 Due to Technical reasons – No charge Rs. 400 on non-maintenance of Min balance Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited – outward Rs. 50 Rs. 100 on non maintenance of Min balance Balance Enquiry – at Branch Free Balance Certificate Current year – Free, Previous year – Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free
  42. cost 15 days upto…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-42-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>42. 42 Account Closure Upto 14 days – No charge 15 days upto 6 months – Rs 100/- Above 6 months – No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque – Rs. 50 (Free through Phonebanking), Range of Cheques – Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft Rs. 100 per occasion + 18% interest pa Cash Delivery (in select cities) Rs. 50 per delivery subject to max value of Rs. 1 Lakh Old records/copy of paid cheques Upto 1 year – Rs. 50 per record, Above 1 year – Rs. 100 per record Activation of dormant account Rs. 100 Branch transactions Free 3 free in the qtr & Rs. 60 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal)
  43. via teller counters – Fun…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-43-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>43. 43 Interbranch transactions through teller counters – Funds Transfer Free Interbranch transactions through teller counters – Cash transactions. Upto Rs. 50,000/- free per month, Above Rs. 50,000/- Rs 2.90 per 1,000/- on the full amount. Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.10,000 per day – Rs.100 (plus taxes). Above Rs.10,000 – Not allowed Third party cash transactions at home branch through teller counters Free of charge Local Cheque deposited for outstation accounts No Charge Phonebanking – IVR Free Phonebanking – Non IVR 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 Free ATM Card – Replacement charges Rs. 100 (plus taxes)
  44. cost for Partner banks – SBI …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-44-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>44. 44 ATM Card – Transaction charge for Partner banks – SBI & Andhra Bank Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal ATM Card – Transaction charge for Non-Partner banks NA Debit Card – Annual Fee – Regular Rs. 100 per year (plus taxes) Debit Card – Annual Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Annual Fee – Women’s Card Rs.100 per year (plus taxes) Debit Card – Renewal Fee – Regular Rs. 100 per year (plus taxes) Debit Card – Renewal Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Renewal Fee – Women’s Card Rs.100 per year (plus taxes) Debit Card – Replacement charges Replacement of a damaged card – No charges & Replacement of a lost card – Rs. 100 (plus taxes for all card types) Debit Card – Transaction Charge – HDFC Bank ATMs Free Debit Card – Transaction Charge – Non HDFC Bank Domestic ATMs Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal
  45. goal=”_blank” rel=”noopener”>45. 45 Debit Card – Transaction Charge – Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient 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 Add-on Debit Card – Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card – Women’s Card Rs.100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction EFT Charges – Inward NIL EFT Charges- outward NIL RTGS – Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, Max Rs. 1000) (plus taxes) RTGS – Inward NIL Mobilebanking NIL
  46. goal=”_blank” rel=”noopener”>46. Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) 46 Passbook issuance(at home branch) Free Duplicate passbook issuance Rs 100/- 4. “NO FRILLS” SAVING ACCOUNT In an effort to make banking simpler and more accessible customers, HDFC Bank has introduced the ‘No Frills’ Savings Account, which offers the customers all the basic banking facilities. They can even avail of services like NetBanking, Mobilebanking free of cost. 4.1. FEATURES & BENEFITS  Access a wide network of branches and over a thousand ATMs across the country to meet all your banking needs.  Bank conveniently with facilities like Free NetBanking and MobileBanking.  Use the Free Electronic Funds Transfer (EFT) facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI.  Enjoy Free IVR based Phone Banking. (Agent assisted calls will be charged).  Get Free Quarterly Account Statements.  Access your account through a Free ATM Card.  Enjoy free Cash Deposits at Branch.
  47. goal=”_blank” rel=”noopener”>47.  Free transactions at HDFC Bank ATMs. 1 Free Cash withdrawal per month at 47 the Branch  Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Cheque deposits at branches will be free of charge and without any restrictions.  International Debit Card available only on request at the branch @ Rs. 100/- p.a. for each applicant.  First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf.  Take advantage of BillPay, an instant solution to all your frequent utility bill payments. Instruct for payment over the phone or through the Internet.  Enjoy InstaAlerts via e-mails or SMS at nominal charges.  Avail facilities like Safe Deposit Locker, Sweep-In and Super Saver on your account.  Free Email Statement facility 4.2. ELIGIBILITY & ACCOUNT OPERATION The following are eligible to open a ‘No Frills’ Savings Account:  Resident Individuals (sole or joint account).  Hindu Undivided Families. ACCOUNT OPERATION  No Initial Payment is required to open a ‘No Frills’ account and No Average Quarterly Balance needs to be maintenance.
  48. goal=”_blank” rel=”noopener”>48. 48 ELIGIBILITY CRITERIA Customer can open a No Frills Savings account if he:  Does not have a bank account & has an annual income of less than or equal to Rs. 50,000/- or  Does not have a bank account & is a beneficiary under a Government Welfare Scheme. 4.3. FEES & CHARGES Description of Charges No Frills Saving account Minimum Balance (Average Quarterly Balance) ZERO Charges on non maintenance thereof NA Cheque Book First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf. PAP Cheque book NA. Account Statements – Free Monthly statements to be Collected from
  49. department. Quarterly statements despatched by submit 49 Issue of du…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-49-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>49. branch. Quarterly statements sent by post 49 Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phone banking (Non-IVR) & ATM, Rs.30 per statement through Net banking, Phone banking (IVR), & Mobile banking. Hold Statement Rs. 400 per year Passbook issuance Free Duplicate passbook issuance Rs 100/- Managers Cheques/Demand Drafts- Issuance/Re-issuance – On HDFC Bank Locations DD request through Branch Upto Rs. 10,000 Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phone banking) Rs. 60 (Senior Citizens / Individuals in Rural areas) Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phone banking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150)
  50. half thereof (Min…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-50-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>50. Above Rs. 1 Lakh 50 Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) (Third Party Registration required. Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address) Managers Cheque/Demand Drafts – Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued – On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. Rs. 25
  51. goal=”_blank” rel=”noopener”>51. 1000 to Rs. 5000 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh 51 Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300) Cheque Collection – Local Clearing Zone Free Collection of outstation cheques – our bank locations Cheques drawn on metro/non-metro cities (Branch Locations) Cheque value Rs. 0 to Rs. 500 No Charges Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50) Credit on receipt of clear funds Collection of outstation cheques – other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up – 0.40% (Min Rs. 50)
  52. areas with no corresponden…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-52-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>52. Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques – 0.65% + Rs. 25 (Min Rs. 50) Credit on receipt of clear funds 52 Cheque return charges drawn on us – Local Due to insufficient funds – Rs. 350 Due to Technical reasons – No charge Rs. 400 on non-maintenance of Min balance Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited – outward Rs. 50 Rs. 100 on non maintenance of Min balance Balance Enquiry – at Branch Free Balance Certificate Current year – Free, Previous year – Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days – No charge 15 days upto 6 months – Rs 100/- Above 6 months – No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas)
  53. goal=”_blank” rel=”noopener”>53. Address Confirmation Rs. 50 53 Stop Payment Charges Particular Cheque – Rs. 50 (Free through Phonebanking), Range of Cheques – Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft NA Cash Delivery (in select cities) Rs. 50 per delivery subject to max value of Rs. 1 Lakh Old records/copy of paid cheques Upto 1 year – Rs. 50 per record, Above 1 year – Rs. 100 per record Activation of dormant account Rs. 100 Branch transactions Free 3 free in the qtr & Rs. 60 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal) Interbranch transactions through teller counters – Funds Transfer Free Interbranch transactions through teller counters – Cash transactions. Upto Rs. 50,000/- free per month, Above Rs. 50,000/- Rs 2.90 per 1,000/- on the full amount. Local Cheque deposited for outstation accounts No Charge Phonebanking – IVR Free
  54. name on non ma…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-54-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>54. 54 Phonebanking – Non IVR 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 Free ATM Card – Replacement charges Rs. 100 (plus taxes) ATM Card – Transaction charge for Partner banks – SBI & Andhra Bank Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal ATM Card – Transaction charge for Non-Partner banks NA Debit Card – Annual Fee – Regular Rs. 100 per year (plus taxes) Debit Card – Annual Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Annual Fee – Women’s Card Rs.100 per year (plus taxes) Debit Card – Renewal Fee – Regular Rs. 100 per year (plus taxes) Debit Card – Renewal Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Renewal Fee – Women’s Card Rs.100 per year (plus taxes)
  55. expenses Replacement of a dam…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-55-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>55. 55 Debit Card – Replacement charges Replacement of a damaged card – No charges & Replacement of a lost card – Rs. 100 (plus taxes) (for all card types) Debit Card – Transaction Charge – Non HDFC Bank Domestic ATMs Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal Debit Card – Transaction Charge – Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient 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 Add-on Debit Card – Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card – Women’s Card Rs.100 per year (plus taxes) BillPay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free
  56. goal=”_blank” rel=”noopener”>56. Visa Money Transfer Rs. 20 (plus taxes) per transaction EFT Charges – Inward NIL EFT Charges- outward NIL 56 RTGS – Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, Max Rs. 1000) (plus taxes) Netbanking Free ECS (Debit) Return Charges Rs 200 (plus taxes) 5.INSTITUTIONAL SAVING ACCOUNT A specially designed account that offers twin benefits of a savings as well as a current account. Customers continue to earn interest while they enjoy hassle-free banking & a host of other features. 5.1. FEATURES & BENEFITS  Zero balance account  Payable at Par chequebook facility Free: You can now use your PAP chequebook at any of HDFC Bank locations (through Clearing only) without any charge.  Enjoy unlimited DDs on HDFC Bank locations Free.  Carry out cash transactions at any HDFC Bank branch. Third party cash transactions up to Rs.50,000/ – per day Free.  Get monthly account statements Free.
  57. particular reductions on Foreign trade transactions….” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-57-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>57.  Avail special discounts on Foreign exchange transactions.  Bank from home using our 24-hour NetBanking & PhoneBanking service.  Collect fees, donations online using our Payment Gateway facility.  Invest your surplus funds smartly! Get valuable investment advice from our monthly 57 newsletter absolutely free. 5.2. ELIGIBILITY  Registered trusts, associations, societies, clubs & such other institutions can apply for this account.  This is a Zero Balance Account. There is no Average Quarterly Balance (AQB) requirement. 5.3. FEES & CHARGES Description of charges Institutional Saving Account Minimum Balance (Average Quarterly Balance) Zero Charges on non maintenance thereof NIL PAP Cheque book PAP Cheque Book Free – issued by default 25 leaves Free per calendar quarter
  58. expenses on utilization at HDFC Bank areas. Account Statem…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-58-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>58. No charges on usage at HDFC Bank locations. Account Statements – Free Monthly statements sent by post 58 Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phone banking (Non-IVR) & ATM, Rs.30 per statement through Net banking, Phone banking (IVR), & Mobile banking. Hold Statement Rs. 400 per year Managers Cheques/Demand Drafts- Issuance/Re-issuance – On HDFC Bank Locations Free DDs on HDFC Bank locations without limit DD request through NetBanking Upto Rs. 1 Lakh Free Corr bank charges applicable Third party DD upto Rs. 1 Lakh Free Managers Cheque/Demand Drafts – Cancellation / Revalidation Rs. 50 Managers Cheques/Demand Drafts- Issuance/Re-issuance – On HDFC Bank Locations DD request through Branch Upto Rs. 10,000 Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phone banking) Rs. 60 (Senior Citizens / Individuals in Rural areas)
  59. quantity upto Rs 100,000 for Preferred & Rs 50,…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-59-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>59. 59 Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phone banking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakhs Rs .30+(Corr. Bank charges if applicable) (Third Party Registration required. Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lakh upto 5 lacs and send it to the benefiacry address) Managers Cheque/Demand Drafts – Cancellation / Revalidation Rs. 50 Demand Drafts- Issued – On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. Rs. 15
  60. goal=”_blank” rel=”noopener”>60. 1000 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 60 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300) Cheque Collection – Local Clearing Zone Collection Free. Courier charges (Rs.20/-) applicable Collection of outstation cheques – our bank locations Collection Free. Courier charges (Rs.20/-) applicable Collection of outstation cheques – other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up – 0.40% (Min Rs. 25 per inst) + Courier charges (Rs.25/-) applicable Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques – 0.40% (Min Rs. 25 per inst) + Courier charges (Rs.25/-) applicable Credit on receipt of clear funds Cheques deposited – outward Rs. 50 Cheque return charges drawn on us deposited in other locations Rs. 75
  61. goal=”_blank” rel=”noopener”>61. Interest Certificate Rs. 50 Balance Certificate Current year – Free, Previous year – Rs. 250 61 Account Closure Upto 14 days – No charge 15 days upto 6 months – Rs 100/- Above 6 months – No charge TDS Certificate Free Signature Attestation Rs. 50 Photo Attestation Rs. 50 Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque – Rs. 50 (Free through PhoneBanking & NetBanking), Range of Cheques – Rs. 100 (Free through PhoneBanking & NetBanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft NA Old records/copy of paid cheques Upto 1 year – Rs. 50 per record, Above 1 year – Rs. 100 per record Activation of dormant account Rs. 100
  62. goal=”_blank” rel=”noopener”>62. 62 Branch transactions Free Interbranch transactions through teller counters – Funds Transfer Free Interbranch transactions through teller counters – Cash transactions Cash Deposits upto Rs. 50,000 per day – Free Cash Withdrawals upto Rs.50,000 per day – Free Above Rs. 50,000 – Rs. 2.90 per 1000 on the full amount Third party cash transaction limit of Rs.50,000 per day – Free. Above Rs.50,000 – Not Allowed Local Cheque deposited for outstation accounts No Charge PhoneBanking – IVR Free PhoneBanking – Non IVR Free InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Free Visa Money Transfer Rs. 20 (plus taxes) per transaction EFT Charges – Inward NIL EFT Charges- outward NIL RTGS – Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, Max Rs. 1000) (plus taxes) Mobilebanking NIL ECS (Debit) Return Charges Rs 200 (plus taxes)
  63. financial institution gives an intere…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-63-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>63. 63 6.KID’S ADVANTAGE ACCOUNT HDFC bank provides an interesting offer for the parents to for their child today and secures his/her future. They can do this by opening up a Saving Account and transfer money into their kids Advantage Account. 6.1. FEATURES & BENEFITS  Automatically increases the balance in their Kids Advantage Account by transferring a fixed sum from their Savings Account every month.  Amounts in excess of Rs. 5,000/- over and above a balance of Rs. 10,000/- gets converted into Fixed Deposits for a specified period in their child’s name.  Free International Debit Card for their child (above 7 years of age) with a maximum drawing capability of Rs. 2,500/- per day.  Free Education Insurance cover of up to Rs. 1,00,000/- for their child with every Kids Advantage Account.  Net Banking facility to monitor both, parent’s Savings Account as well as their Kids Advantage Account.  Free Funds Transfer between parents’ Savings Account and their Kids Advantage Account.  Opt for systematic Investment in Mutual Funds to plan for their Child’s future.
  64. goal=”_blank” rel=”noopener”>64. 64 6.2. ELIGIBILITY  Anyone can open a Kids Advantage Account as long as their child is a minor and they have a Savings Account with HDFC Bank.  If the customer does not have a HDFC Savings Account, he/she will need to open an account. 6.3. HOW TO OPEN A KID’S ADVANTAGE ACCOUNT  Every parent need to invest a minimum sum of Rs. 10,000/- in the name of their child as a Fixed Deposit with a minimum term period of 6 months and 1 day. A new Kids Advantage Account that links to this Fixed Deposit will be opened up in their child’s name.  Parents can instruct the bank to transfer a standard amount (min. Rs. 500/-) from their Savings Account every month to their child’s Kids Advantage Account.  Over a period, when the balance in the Kid’s Advantage Account exceeds Rs.10,000/-, the amount in excess of Rs.5,000 will be transferred into a new Fixed Deposit, for a specific period in their child’s name. 7. PENSION SAVING BANK ACCOUNT
  65. goal=”_blank” rel=”noopener”>65. A Pension Saving Account is a Zero Balance Account that accumulates someone’s pension over the years. It comes with a free International Debit Card and facilities like Phone and Net Banking. The customers can access this Account from any branch within the HDFC network and also request for transfer to another bank. 65 7.1. FEATURES & BENEFITS  The Pension Saving account is a Zero Balance Account.  Timely credit of receivables.  Pension Accounts are transferable from one branch/bank to another. 7.2. ELIGIBILITY The following are eligible to open to a Pension Saving Bank Account:  All employees of central government and civil ministries who are covered under the Central Government Civil Pension Scheme operated by Central Pension Accounting Office, Department of Expenditure and Ministry of Finance.  All the employees of an establishment with workforce strength of more than 20 (including contract employees) and who have opted to be members of the EPS 95 scheme.  Existing members of “Member of Employees” Family Pension Scheme. 7.3. PROCEDURE & OPERATION
  66. solely be opened in an individ…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-66-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>66.  A Pension Salary Account can only be opened in an individual’s name.  The account can be opened up to two months before the date of retirement.  The details of employees HDFC Bank Pension Salary Account will have to be 66 furnished to their employer.  After retirement, the RPFC/CPAO will forward the Pension Payment Order (PPO) to HDFC Bank’s designated office.  Employee will then receive intimation to complete documentation at the designated branch.  After the pensioner’s portion of the PPO is handed over, the pension will start getting credited to their account every month. 7.4. FEES & CHARGES Services Pension product Minimum Balance NIL Charges on non maintenance thereof NIL Cheque Book Free PAP Cheque book NA Account Statements – Free Monthly statements to be Collected from branch. Quarterly statements sent by post
  67. goal=”_blank” rel=”noopener”>67. 67 Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phone banking (Non-IVR) & ATM, Rs.30 per statement through Net banking, Phone banking (IVR), & Mobile banking. Hold Statement Rs. 400 per year Managers Cheques/Demand Drafts- Issuance/Re-issuance – On HDFC Bank Locations DD request through Branch Upto Rs. 10,000 Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phone banking) Rs. 60 (Senior Citizens / Individuals in Rural areas) Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phone banking Above Rs. Rs. 2.50 per 1000 or part
  68. goal=”_blank” rel=”noopener”>68. 50,000 & upto Rs. 1 Lakh 68 thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) (Third Party Registration required. Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust. id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address) Managers Cheque/Demand Drafts – Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued – On Non HDFC Bank Locations Rs. 50 plus charges as outlined below:
  69. goal=”_blank” rel=”noopener”>69. Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh 69 Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300) Cheque Collection – Local Clearing Zone Free Managers Cheque/Demand Drafts – Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Collection of outstation cheques – our bank locations Cheques drawn on metro/non-metro cities (Branch Locations) Cheque value Rs. 0 to Rs. 500 No Charges
  70. worth Rs. 501 & above 70 Re. 1 per 1000 (Min Rs….” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-70-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>70. Cheque value Rs. 501 & above 70 Re. 1 per 1000 (Min Rs. 50) Credit on receipt of clear funds Collection of outstation cheques – other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up – 0.40% (Min Rs. 50) Cheques drawn on non-branch locations with no correspondent bank tie-up/non- MICR cheques – 0.65% + Rs. 25 (Min Rs. 50) Credit on receipt of clear funds Cheque return charges drawn on us – Local Due to insufficient funds – Rs. 350 Due to Technical reasons – No charge Rs. 400 on non-maintenance of Min balance Cheque return charges drawn on us deposited in other locations Rs. 75 Cheque Collection – Local Clearing Zone Free Cheques deposited – outward Rs. 50
  71. upkeep of Min stability Balance Enquiry …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-71-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>71. Rs. 100 on non maintenance of Min balance Balance Enquiry – at Branch Free Balance Certificate Current year – Free, Previous year – Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free 71 Account Closure Upto 14 days – No charge 15 days upto 6 months – Rs 100/- Above 6 months – No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque – Rs. 50 (Free through Phonebanking), Range of Cheques – Rs. 100 (Free through Phonebanking) Cheque status per instance Rs. 25 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft NA Cash Delivery (in select cities) Rs. 50 per delivery subject to max value of
  72. information/copy of paid cheques Upto 1 ye…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-72-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>72. Rs. 1 Lakh 72 Old records/copy of paid cheques Upto 1 year – Rs. 50 per record, Above 1 year – Rs. 100 per record Activation of dormant account Rs. 100 Branch transactions Free Interbank transactions through teller counters – Funds Transfer Free Interbank transactions through teller counters – Cash transactions. Free Local Cheque deposited for outstation accounts Free Phonebanking – IVR Free Phonebanking – Non IVR Free ATM Card Free ATM Card – Replacement charges NA ATM Card – Transaction charge for Partner banks – SBI & Andhra Bank Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal ATM Card – Transaction charge for Non-Partner banks NA
  73. goal=”_blank” rel=”noopener”>73. Debit Card – Annual Fee – Regular Free Debit Card – Annual Fee – Gold Rs. 500 per year (plus taxes) 73 Debit Card – Annual Fee – Women’s Card Rs.100 per year (plus taxes) Debit Card – Renewal Fee – Regular Free Debit Card – Renewal Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Renewal Fee – Women’s Card Rs.100 per year (plus taxes) Debit Card – Replacement charges Replacement of a damaged card – No charges & Replacement of a lost card – Rs. 100 (plus taxes) (for all card types) Debit Card – Transaction Charge – HDFC Bank ATMs Free Debit Card – Transaction Charge – Non HDFC Bank Domestic ATMs Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal Debit Card – Transaction Charge – Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes)
  74. cost for inadequate stability Transactions …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-74-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>74. 74 Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient 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 Add-on Debit Card – Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card – Women’s Card Rs.100 per year (plus taxes) Bill Pay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction InstaAlert Rs. 25 (plus taxes) per qtr per account Visa Money Transfer Rs. 20 (plus taxes) per transaction EFT Charges- outward NIL RTGS – Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, Max Rs. 1000) (plus taxes) RTGS – Inward NIL ECS (Debit) Return Charges Rs 200 (plus taxes)
  75. gives the Family S…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-75-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>75. 75 8. FAMILY SAVING GROUP HDFC Bank provides the Family Saving Group which links together upto four individual HDFC Bank accounts (same family) under a single group. The family can take advantage of the group Average Quarterly Balance (AQB) and operate their individual accounts without worrying about minimum balance. 8.1. FEATURES & BENEFITS  All account holders can operate their account freely without worrying about their minimum balance.  Family members with NRI status can also be part of the group.  Each individual can get 5 Free Cash withdrawal transactions on SBI ATMs per group per month.  Each individual can get upto 2 free DD’s/ MC’s on HDFC Bank locations per account per month (max. up to Rs. 25,000/- per instrument per day).  Free International Debit Card for all account holders till the account is part of the Family group. (NRO Accounts will be issued only ATM cards)  Free Standing Instructions for investment into Mutual Funds. 8.2. ELIGIBILITY  All members of the family should hold individual HDFC Bank accounts.
  76. household with an NRI standing can be par…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-76-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>76.  A member of the family with an NRI status can also be part of this group 76 account.  Not more than 4 members of a family can form a Family Savings Group. 8.3. FEES & CHARGES Description of Charges Family Saving Group Minimum Balance (Average Quarterly Balance) Rs. 25,000 (Urban & Semi-urban) Charges on non maintenance thereof AQB between Rs. 25,000 & Rs. 10,000 – Charges of Rs. 1000 per group per qtr. Charged to the account with the highest balance. AQB is less than Rs. 10,000 – Charges of Rs. 1500 per group per qtr. Charged to the account with the highest balance. Cheque Book Free PAP Cheque book Upto Rs. 50,000 pm – No charges, Above Rs.
  77. quantity. 77 Account Sta…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-77-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>77. 50,000 – Rs. 2.90 per 1000 on full amount. 77 Account Statements – Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phone banking (Non-IVR) & ATM, Rs.30 per statement through Net banking, Phone banking (IVR), & Mobile banking. Hold Statement Rs. 400 per year Passbook issuance Free Duplicate passbook issuance Rs 100/- Managers Cheques/Demand Drafts- DD request through Branch 2 free DDs/Mcs per account per month with
  78. most…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-78-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>78. 78 Issuance/Re-issuance – On HDFC Bank Locations maximum of Rs. 25,000 per DD per day Upto Rs. 10,000 Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phone banking) Rs. 60 (Senior Citizens / Individuals in Rural areas) Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phone banking
  79. goal=”_blank” rel=”noopener”>79. Above Rs. 50,000 & upto Rs. 1 Lakh 79 Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakhs Rs .30+(Corr. Bank charges if applicable) (Third Party Registration required. Customers registered for Third Party Transfers have a maximum limit of 5 lakhs per cust. id and hence can issue multiple DDs of 1 lacs upto 5 lakhs and send it to the benefiacry address) Managers Cheque/Demand Drafts – Cancellation / Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Demand Drafts- Issued – On Non HDFC Bank Locations Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15
  80. goal=”_blank” rel=”noopener”>80. Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 80 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300) Cheque Collection – Local Clearing Zone Free Cheque value Rs. 0 to Rs. 500 No Charges Re. 1 per 1000 (Min Rs. 50) Cheque value Rs. 501 & above Credit on receipt of clear funds Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up – 0.40% (Min Rs. 50) Collection of outstation cheques – other locations Cheque return charges drawn on us – Local Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques – 0.65% + Rs. 25 (Min Rs. 50)
  81. inadequate funds…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-81-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>81. Credit on receipt of clear funds Due to insufficient funds – Rs. 350 Due to Technical reasons – No charge 81 Cheque return charges drawn on us deposited in other locations Rs. 75 Cheques deposited – outward Rs. 50 Balance Enquiry – at Branch Free Balance Certificate Current year – Free, Previous year – Rs. 250 Interest Certificate Rs. 50 TDS Certificate Free Account Closure Upto 14 days – No charge Above 6 months – No charge Photo Attestation Rs. 50 Signature Attestation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Address Confirmation Rs. 50 Stop Payment Charges Particular Cheque – Rs. 50 (Free through Phonebanking), Range of Cheques – Rs. 100 (Free through Phonebanking)
  82. standing per occasion Rs. 25 82 Standing Instruction…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-82-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>82. Cheque status per instance Rs. 25 82 Standing Instructions Setting up Rs. 150, Rs. 25 per transaction plus remittance charge Unarranged overdraft Rs. 100 per occasion + 18% interest pa Cash Delivery (in select cities) Rs. 50 per delivery subject to max value of Rs. 1 Lakh Old records/copy of paid cheques Upto 1 year – Rs. 50 per record, Above 1 year – Rs. 100 per record Activation of dormant account Rs. 100 Branch transactions Free Interbranch transactions through teller counters – Funds Transfer Free Interbranch transactions through teller counters – Cash transactions. Upto Rs. 50,000/- free per month, Above Rs. 50,000/- Rs 2.90 per 1,000/- on the full amount. Local Cheque deposited for outstation accounts No Charge Phonebanking – IVR Free Phonebanking – Non IVR Free ATM Card Free ATM Card – Replacement Rs. 100 (plus taxes)
  83. expenses ATM Card – Transaction cost for Partner ban…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-83-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>83. 83 charges ATM Card – Transaction charge for Partner banks – SBI & Andhra Bank Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal ATM Card – Transaction charge for Non-Partner banks NA Debit Card – Annual Fee – Regular Rs. 100 per year (plus taxes) Debit Card – Annual Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Annual Fee – Women’s Card Rs.100 per year (plus taxes) Debit Card – Renewal Fee – Regular Rs. 100 per year (plus taxes) Debit Card – Renewal Fee – Gold Rs. 500 per year (plus taxes) Debit Card – Renewal Fee – Women’s Card Rs.100 per year (plus taxes) Debit Card – Replacement charges Replacement of a damaged card – No charges & Replacement of a lost card – Rs. 100 (plus taxes) (for all card types) Debit Card – Transaction Free
  84. goal=”_blank” rel=”noopener”>84. 84 Charge – HDFC Bank ATMs Debit Card – Transaction Charge – Non HDFC Bank Domestic ATMs Balance enquiry: Free & Rs.17.80 (plus taxes) per cash withdrawal Debit Card – Transaction Charge – Non HDFC Bank International ATMs Rs. 15 per balance enquiry & Rs. 110 per cash withdrawal (plus taxes) PIN regeneration charge Rs. 25 (plus taxes) Decline charge for insufficient balance Transactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient 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 Add-on Debit Card – Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card – Women’s Card Rs.100 per year (plus taxes) Bill Pay Rs. 25 (plus taxes) per qtr per Customer ID InstaPay Rs. 10 (plus taxes) per transaction Visa Money Transfer Rs. 20 (plus taxes) per transaction RTGS – Outward Rs. 0.25 per 1000 per transaction (Min Rs. 50, Max Rs. 1000) (plus taxes)
  85. goal=”_blank” rel=”noopener”>85. ECS (Debit) Return Charges Rs 200 (plus taxes) 85
  86. technique for the righ…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-86-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>86. SWOT ANALYSIS 86 Strengths  Right strategy for the right products.  Superior customer service vs. competitors.  Great Brand Image  Products have required accreditations.  High degree of customer satisfaction.  Good place to work  Lower response time with efficient and effective service.  Dedicated workforce aiming at making a long-term career in the field. Weaknesses  Some gaps in range for certain sectors.  Customer service staff need training.  Processes and systems, etc  Management cover insufficient.  Sectoral growth is constrained by low unemployment levels and competition for staff Opportunities  Profit margins will be good.  Could extend to overseas broadly. Threats  Legislation could impact.  Great risk involved  Very high competition prevailing
  87. purposes.  Could search higher cus…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-87-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>87. 87  New specialist applications.  Could seek better customer deals.  Fast-track career development opportunities on an industry-wide basis.  An applied research centre to create opportunities for developing techniques to provide added-value services in the industry.  Vulnerable to reactive attack by major competitors.  Lack of infrastructure in rural areas could constrain investment.  High volume/low cost market is intensely competitive.
  88. goal=”_blank” rel=”noopener”>88. SAVING ACCOUNT COMPARISION 88 FEATURES STANDARDCH ARTERED BANK HDFC BANK ICICI BANK ABN-AMRO BANK KOTAK MAHIND RA Min. balance 10000/- 5000/- 5000/- 10000/- 10,000/- A/C maintenance charges >5,000 1500/- 750/- 750/- 500/- pm 750/- +12.36% stax >=5,000 to <7,500 1250/- nil nil 400/- pm nil >=7,500 to <10,000 750/- nil nil 300/- pm nil Quarterly statement free free free free free Monthly statement free free free free free Pass book free free free free free cheque book free free free free free ATM usage free free free free free BAL. Enquiry free free free 5/- free cash withdrawal (abroad) 140/- (per day) N/A N/A 120/- N/A
  89. charges nil (1year), 200/- 2nd 1y free,10…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-89-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>89. 89 ATMs Annual fees nil (1year), 200/- 2nd 1y free,100/- 2nd nil(1year), 99/-,2nd 180 per year free for life Replacement charges 100/- 100/- 200/- 200/- 100/- Manual cash withdrawal 100/- (Ind),150/- (abr) N/A N/A N/A N/A New password charges free N/A N/A N/A N/A Max. withdrawal 20000/- 20000/- 25000/- 50000/- 25000/- Demand draft Drawn on our branches free (for2mths),0.10 % upto10,00 0- Rs. 50/- Rs.2 per 1,000 50/- Free- 5L,2.5/- per1000 Drawn on correspond branches Rs.15 per 1,000 upto75,00 0 -Rs.75/- Rs.5 per 1,000 0.25% N/A cancellation 250/- 50/- 100/- 50/- 100/- Lost 250/- N/A 100/- N/A 100/- Doorstep banking Selected cities N/A N/A Available Available Phone banking Available Available Available Available Available
  90. goal=”_blank” rel=”noopener”>90. Net banking Available Available Available Available(fr) Available 90 Cheque return Cheque issued by customer 300/- 350/- 350/- 350/- 300/- cheque deposited by customer 100/- 50/- 75/- 100/- 300/- Outstation cheque collection free at our branch 1/- pe1,000, mi 50/- 125/- +Oth.bank .chq 0.25% free at our branches Stop payment 100/- 50/- 50/- per chq 100/- 100/- ECS 250/- 200/- 200/- 100/- N/A A/C closed < 6 months 500/- 15 days- 6mths- 100/- 250/- 500 if <1year 600/- Add-on a/c debit card N/A N/A only on request 180/- N/A A Comparative Analysis of Customer Satisfaction Levels of AXIS, HDFC and ICICI Bank Introduction-
  91. examine intends to check the satisfaction ranges of thr…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-91-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>91. The study intends to compare the satisfaction levels of three private sector banks namely Axis Bank, HDFC Bank and ICICI Bank. This research paper looks at the key issue of service quality and nature of service quality delivered to satisfy the 91 customers of these banks. Objective-  To study the satisfaction level of consumers of three chosen banks.  To identify the perception of consumer about their banks with comparison to others banks.  Recommendations to increase customer satisfaction level. Research Methodology-  Descriptive Research  Primarily based on Primary Data collection  Follow Questionnaire method  Quantitative Research  Non Probabilistic- convenience sampling Sampling-  Sampling Unit: The sampling units selected were all above 18 years of age with diverse socio- economic background.
  92. have been chosen by means of conve…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-92-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>92.  Sampling Technique: Samples were selected by way of convenient sampling and questions were asked to the respondents when they were coming out of their respective banks after availing the services there. 92 Sample Size- A total sample size of 120 was selected which had the following break up:  AXIS bank customers: 40  HDFC bank customers: 40  ICICI customers: 40 DATA Analysis Methodology- (1) Tangibles. Physical facilities, equipment and appearance of personnel. (2) Reliability. Ability to perform the promised service dependably and accurately. (3) Responsiveness. Willingness to help customers and provide prompt service. (4) Assurance (including competence, courtesy, credibility and security). Knowledge and courtesy of employees and their ability to inspire trust and confidence. (5) Empathy (including access, communication, customer). Caring and individualized attention that the firm understanding the provides to its customers. Question 1-5  Your bank uses up to date equipments.  .The physical facilities in your bank are visually appealing.
  93. workers seem neat and effectively dressed.  Materials …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-93-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>93.  The employees appear neat and well dressed.  Materials associated with service (e.g. – withdrawal and deposit forms etc.) are easy to use and visually appealing.  Your bank has convenient business hours. 93 Name of Bank Customer experience. AXIS 5.5 HDFC 5.7 ICICI 5.7 5.5 5.7 5.7 5.7 5.65 5.6 5.55 5.5 5.45 5.4 Customer Experience AXIS HDFC ICICI Question 6-10  Your bank promises to do something by a certain time, it does so.  When you have a problem, your bank shows sincere interest in solving it.
  94. financial institution performs service proper on the first time.  Yo…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-94-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>94.  Your bank performs service right at the first time.  Your bank should keep the records accurately.  Your bank keeps you informed about when a service will be performed. 94 Name of bank Customer experience AXIS 5.7 HDFC 6.5 ICICI 5.4 5.7 6.5 5.4 7 6 5 4 3 2 1 0 Customer experience AXIS HDFC ICICI Questions 11-13  Employees of your bank give you prompt service.
  95. workers of your financial institution all the time keen that will help you. …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-95-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>95.  The employees of your bank always willing to help you.  The employees of your bank are never too busy to help you. 95 Name of bank Customer experience AXIS 5.5 HDFC 5.9 ICICI 5.9 5.5 5.9 5.9 5.9 5.8 5.7 5.6 5.5 5.4 5.3 Customer experience AXIS HDFC ICICI Questions 14-17  The employees of your bank are trustworthy.
  96. really feel secure whereas doing transactions together with your financial institution. …” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-96-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>96.  You feel safe while doing transactions with your bank.  The employees of your bank are courteous.  The employees of your bank have the knowledge to answer your questions. 96 Name of bank Customer experience AXIS 5.4 HDFC 6 ICICI 5.5 5.4 6 5.5 6 5.9 5.8 5.7 5.6 5.5 5.4 5.3 5.2 5.1 Customer experience AXIS HDFC ICICI Questions 18-21
  97. financial institution offers you particular person consideration  Your financial institution has…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-97-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>97.  Your bank gives you individual attention  Your bank has employees who give you individual attention.  Your bank has your best interest at heart.  Employees of your bank understand you specific needs. 97 Name of bank Customer experience AXIS 6.5 HDFC 6 ICICI 7 6.5 6 7 7 6.8 6.6 6.4 6.2 6 5.8 5.6 5.4 Customer experience AXIS HDFC ICICI Conclusion
  98. clients are quiet hello…” href=”https://image.slidesharecdn.com/savingaccountofferingsofhdfcbank-140825075552-phpapp02/95/saving-account-offerings-of-hdfc-bank-98-638.jpg?cb=1408953473″ goal=”_blank” rel=”noopener”>98.  The expectations of HDFC and ICICI customers are quiet high while that of 98 AXIS bank customers is quiet low.  The perceived performance of the customers shows that the performance of ICICI and HDFC in terms of service is better than AXIS Bank.  In order to keep a customer satisfied a bank must identify the value the customer appoints to every item in each dimension, and then the focus should be given in order of that value.
  99. goal=”_blank” rel=”noopener”>99. 99 BIBLIOGRAPHY The following sources have been referred to whereas making the venture: Websites referred-http:// www.hdfc financial institution.com http://en.wikipedia.org/wiki/hdfcbank http://www.google.com

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