💼 HDFC Bank Fee Changes for 2025 — Full Overview
- ATM Transaction Charges (from May 1, 2025)
- New cap: ₹ 23 + taxes per transaction for ATM use beyond free monthly limits.
- Applies to both financial and non-financial transactions (depending on ATM type).
- Electronic Fund Transfer Fees (from August 1, 2025)
- NEFT / RTGS / IMPS charges have been revised.
- Free cash transaction limit per month: dropped to 4 free cash transactions. Beyond that: ₹ 150 per transaction.
- Free monthly value limit at branch for self or third-party cash transactions has been reduced from ₹ 2 lakh to ₹ 1 lakh.
- For cash over the free limit: ₹ 5 per ₹ 1,000 (or part), with a minimum ₹ 150.
- ECS / ACH Return Charges (from August 1, 2025)
- First ECS/ACH return: ₹ 500 (regular), ₹ 450 (senior citizens).
- Subsequent returns: ₹ 550 (regular), ₹ 500 (senior citizens).
- Cheque Return Charges
- For financial cheque returns: ₹ 500 for the 1st return, ₹ 550 onward for regular customers.
- For technical reasons (like signature mismatch), the return charge is ₹ 50 (₹ 45 for senior citizens).
- Certificate / Document Charges (from August 2025)
- Earlier free services like balance certificates, address confirmation, etc., are now chargeable. Standardised to ₹ 100 per instance (₹ 90 for senior citizens) at branches.
- Cash Deposit Charges (Current Accounts)
- Revised from 1st August 2025: For some current‐account types, combined cash-deposit charge is now ₹ 4 per ₹1,000 beyond free limit (min ₹ 50 per txn).
- Charges apply for deposits at home branch, non-home branch, and cash recycler machines.
⚠️ What This Means for Customers
- Customers who frequently use ATMs (especially beyond their free monthly quota) will likely pay more.
- People who make cash transactions at branches must be careful: free limit is lower now, and excess costs can add up fast.
- Cheque users must be cautious: bounced or technical returns now carry steeper fees.
- For fund transfers (NEFT/IMPS/RTGS), the costs have gone up — especially for those who do high-volume or branch-based transfers.
- For account statements / certificates, things that used to be free will now cost money — so plan accordingly.
