New Delhi: Private sector lender HDFC Bank has announced changes in the charges for several services, including cash transactions, interest certificates, IMPS, RTGS, and NEFT transactions done at branches. These new charges will apply starting 1 August 2025.
Below is a detailed look at the updated service charges:
1. Cash Transactions at HDFC Bank
This includes cash deposits and withdrawals by the account holder or a third party at any branch or cash deposit machine.
Old Charges:
Number of Free Transactions: 4 free transactions per month.
After Free Limit: Rs 150 per transaction.
Cash Value Limit: Up to Rs 2 lakh per month per account was free. Beyond this, Rs 5 per Rs 1,000 or part of it was charged, with a minimum charge of Rs 150.
Third-Party Limit: Maximum of Rs 25,000 per day at both home and non-home branches. Not allowed above this limit.
New Charges (From 1 August 2025):
Number of Free Transactions: 4 free transactions per month.
After Free Limit: Rs 150 per transaction.
Cash Value Limit: Now only Rs 1 lakh per month per account is free. Beyond this, Rs 5 per Rs 1,000 or part, with a minimum of Rs 150.
Third-Party Limit: Remains the same – Rs 25,000 per day. Not allowed above that.
2. Other Branch Services: Certificates and Records
This includes services like balance certificates, interest certificates, address confirmation, and old cheque copies.
Old Charges:
Balance Certificate, Interest Certificate, Address Confirmation – Free
Old Records / Copy of Paid Cheques:
Regular Customers: Rs 80
Senior Citizens: Rs 72
New Charges (From 1 August 2025):
All above services at branch now charged:
Regular Customers: Rs 100 per request
Senior Citizens: Rs 90 per request
3. NEFT Transactions at HDFC Bank Branches
Old Charges:
Up to Rs 1,00,000: Rs 2
Above Rs 1,00,000: Rs 10
New Charges (From 1 August 2025):
Up to Rs 10,000: Rs 2
Rs 10,001 – Rs 1,00,000: Rs 4
Rs 1,00,001 – Rs 2,00,000: Rs 14
Above Rs 2,00,000: Rs 24
4. IMPS (Online Transactions)
Old Charges:
Up to Rs 1,000: Rs 3.50
Rs 1,001 – Rs 1 lakh: Rs 5
Above Rs 1 lakh: Rs 15
New Charges (From 1 August 2025):
Up to Rs 1,000: Rs 2.50
Rs 1,001 – Rs 1 lakh: Rs 5
Above Rs 1 lakh: Rs 15
5. RTGS Transactions (NetBanking & MobileBanking)
Online RTGS transactions continue to be free since 1 November 2017.
RTGS at Branches – Old Charges:
Rs 2 lakhs – Rs 5 lakhs: Rs 15
Above Rs 5 lakhs: Rs 15
New Charges (From 1 August 2025):
Rs 2 lakhs – Rs 5 lakhs: Rs 20
Above Rs 5 lakhs: Rs 45
These changes will come into effect from 1st August 2025, so customers are advised to review their banking habits and plan accordingly.
