Today, in this article we discuss about HDFC Bank Regular Savings Account Features, Benefits, Eligibility, Charges.

So let's talk about HDFC Regular Savings Account Features first.


  • Get exclusive offers and discounts on their online shopping portal smartbuy.
  • Annual Maintenance Charge (AMC) waived off for the first year for you first demat account.
  • Get personalised cheque with your name printed on each cheque leaf for enhanced security.
  • Their net banking, phone banking, mobile banking facilities allows you to check your account balance easily, pay utility bills easily stop cheque payment and more from wherever you are.
  • Billpay allows you to pay your utility bills easily. You can also set the instructions for the payments over the phone or online.
  • And also they give a free passbook and free email statement facility.
  • Do your banking easily with your debit card so enjoy a host of benefits and offers on your debit card and never overspend so you get a millennia debit for metro and urban locations and rupay premium debit card for semiurban and rural locations.
Benefits on Millennia Debit card are:-
  • 5% cashback on shopping via PayzApp and Smartbuy.
  • 2.5% Cashback on all online spends.
  • Get upto Rs 4800 Cashback every year.
  • 1% Cashback on all offline spends and wallet reloads.
  • Resident Individuals( sole or joint account )
  • Hindu Undivided Families
  • Foreign Nationals residing in India
Minimum Balance Requirements on HDFC BANK REGULAR SAVINGS ACCOUNT
  • Its mandatory that you have to maintain an average monthly balance of Rs 10000 for urban branches and Rs 5000 for semiurban branches.
  • And for rural branches you have to maintain an average quarterly balance of Rs 2500 or a fixed deposit of Rs 10000 for a minimum tenure of 1 year 1 day for rural branches.
Balance Non- Maintenance Charges
  • Metro and Urban
  1. More than 7500 but below 10000- Rs 150
  2. More than 5000 but below 7500. - Rs 300
  3. More than 2500 but below 5000. - Rs 450
  4. More than 0 but below 2500.       - Rs 600
  • Semi-urban 
  1. More than 7500 but below 10000- NA
  2. More than 5000 but below 7500- NA
  3. More than 2500 but below 5000- Rs 150
  4. More than 0 but below 2500.      - Rs 300
  • Rural
  1. More than 1000 but below 2500- Rs 270
  2. Less than 1000- Rs 450
  • Free 25 cheque leaves per financial year Additional chequebook of 25 leaves will be charges at Rs 75 per chequebook.
  • ATM Card Replacement Charges - Rs 200
  • Debit card Charges are- Regular Card- Rs 150 annual and issue fees, Rupay Premium Rs 200 for issue and annual fees, Rs 500 for rewards card issue and annual.
  • ATM Debit Card Transaction Charge- HDFC BANK ATMs- First 5 Free per month across all cities. And other bank ATMs- In top 6 cities first 3 transactions free per month and in other cities first 5 transactions free per month.
  • Top 6 cities are- Mumbai, Kolkata, Chennai, New Delhi, Bangalore and Hyderabad.
  • Instapay- Zero Transaction Charges
  • IMPS- Nil
So, these are the all benefits, charges, features, eligibility of HDFC Bank Regular Savings Account.

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