banking
...ent Advisory Services (for high net worth individuals) NRI Offering PRICE SERVICES & FEES FOR CURRENT ACCOUNT As you glance through HDFC Bankνs menu of banking services, youνll notice two things. One, that the range of our services is comprehensive. And two, that a host of our services are complimentary for savings account customers. (Rate applicable to current account customers) Enjoy the following services free of cost: One ATM card per account (only for individual/sole proprietorship account) Replacement in case of damaged ATM card Monthly statement for current accounts++. ACCOUNT BALANCE REQUIREMENTS CURRENT ACCOUNT - REGULAR Minimum average quarterly balance Rs. 10,000 Service charges in case of non-maintenance Rs. 750 per quarter 50 cheque leaves - Free Additional cheque leaf Rs. 2 per cheque leaf CURRENT ACCOUNT - PREMIUM Minimum average quarterly balance Rs. 25,000 Service charges in case of non-maintenance Rs. 900 per quarter Cheque Books Free-At par Additional Cheque leaf Rs. 5/- per Cheque leaf (Accounts not maintaining AQB, as of previous quater) Note :Customers can select their option only at the time of opening the account. Requests of switching from one option tothe other will attract account closure charges of Rs. 100/- Remittances : Fund Transfer using at par payable cheques or cheques deposited locally at other HDFC Bank locations at Teller/ATM. (Except Dahej) - Free upto Rs.10 lacs per p.m. or Above this @ Rs. 1.50/- per Rs.1000/- Following charges are common across Regular and Premium Current Accounts. FIXED DEPOSIT Minimum deposit Rs. 10,000 (for simple or re-investment deposits) All fixed deposits are cluster deposits held in units of Re. 1. ADD-ON DEPOSITS Minimum deposit Rs. 5,000 ACCOUNT SERVICES ATM CARDS (Available in select cities) Free card per account 1 (only for Individual andSole proprietorship current accounts) Replacement of damaged card Free Replacement of lost card Rs. 100 DEBIT CARDS Annual fee per card Rs. 100/- p.a. Annual fee waived for the first year for upto one additional card. All subsequent cards will be charged. Issuance charges per card Rs. 100 This is a one time charge and only for NRE customers. Replacement of damaged card Free Replacement of lost card Rs. 100 Lost card liability Rs. 500 Copy Retrieval request Rs. 100 PLUS/Cirrus ATM usage Balance Cash Inquiry Withdrawal Domestic Rs. 15/- Rs. 55/- International Rs. 15/- Rs. 110/- BOI/Canara Bank N.A. Rs. 100 Debit Cards can be issued only to Individual or Proprietorship Current Accounts. CASH TRANSACTIONS AT THE ATM Accounts maintaining 30 transactions free Average Quarterly Balance (AQB) per month Accounts not maintaining AQB 10 transactions free per month Incremental transactions Rs. 25/- per transaction Also for accounts which did not maintain the required AQB in the previous Quarter, all inter-city ATM cash transactions will be levied charges. Upto Rs. 50,000 per day Rs. 1.50/Rs.100 (min Rs. 25) Above Rs. 50,000 per day Rs. 3.50/Rs. 100 (min Rs. 25) Transactions through PhoneBanking: Effective February 2005, accounts which have not maintained the required Avg. Quarterly Balance in the previous quarter, will be charged Rs. 50/- for each transaction done through a PhoneBanker instead of using the automated Interactive oice Response system. STATEMENT OF ACCOUNT Current Account Monthly Free** Weekly Rs. 1,000 per year Additional copy of statement Rs. 100 per statement Statement request through PhoneBanking Rs. 50/- per statement DUPLICATES STATEMENT Rs 100 per statement HOLD MAIN FACILITY Rs. 250 per year CERTIFICATE OF BALANCE Current Year Free Previous Year Rs. 250 UNARRANGED OVERDRAFT (subject to approval) Current account Rs. 100 per occasion + 18% p.a. STANDING INSTRUCTIONS Setting up Rs. 150 Per transaction Rs. 25 + remittance charge ACCOUNT CLOSURE Before 6 months Rs. 100 After 6 months No charge Lockers Lockers are available at select branches, in various sizes, for customers only. Please enquire at the nearest branch for the available sizes and fees. FUNDS TRANSFER Interbranch Banking This facility refers to operating your current account from another branch, either in the same city or another city. However, interbranch facility is not available for encashing fixed deposits. All fixed deposit encashments shall be carried out onlyat the branch where the deposit is held. Subject to charges given below, with interbranch banking facility you can: Withdraw cash from your account in another branch by giving a self cheque to the teller. Transfer funds between two accounts in different branches. Deposit a local cheque in one branch, for credit to your account in another city Third party cash deposits in non-home branch is disallowed Interbranch through ATMs - Free access across all branches for nonfinancial transaction Interbranch through teller/ATM Non-Cash Transaction (any amt.) (applicable for intercity transaction, charges will be levied on beneficiary account) - Rs. 1.50 per thousand or part thereof for entire amount (Min. Rs. 50.00) In case of Payable At Par Cheques issued on another location of HDFC Bank the issuing account will be charged. Cash Transaction Upto Rs. 50,000 per day (Min. Rs. 50) - Rs. 1.50 per Rs. 1000 Above Rs. 50,000 per day (For any inter-branch) - Rs. 3.50 per Rs. 1000 MANAGERS CHEQUE Up to Rs. 50,000 - Flat Rs. 75 (Rs. 50 through PhoneBanking) Above Rs. 50,000 - Re. 1 per Rs. 1,000 or part thereof (Min.Rs.75, Max. 5,000) DRAFT CHARGES Drawn on branch locations Upto to Rs. 25,000 - Rs. 50 (Rs.50 through PhoneBanking) Above Rs. 25,000 to Rs. 1 lakh - Rs. 2.50 per Rs. 1,000 or part thereof (Min.Rs.50) Above Rs. 1 lakh - Rs. 2 per Rs. 1,000 or part thereof (Min.Rs.250, Max. Rs. 5,000) Drawn on non-branch locations Rs. 50 + Charges as below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1,000 - Rs. 15 Above Rs. 1,000 to Rs. 5,000 - Rs. 25 Above Rs. 5,000 to Rs. 10,000 - Rs. 30 Above Rs. 10,000 to Rs. 1 lakh - Rs. 3 per Rs. 1,000 or part thereof Above Rs. 1 lakh - Rs. 2.00 per Rs. 1,000 or part thereof (Min. Rs. 300) Service Charge of Rs. 100 will be applicable for non-customer. DRAFT CANCELLATION CHARGES Rs. 50 FOREIGN CURRENCY DDs/IMOs (Services available only in the main branch in each city) Customers Rs. 100 Non-customers Rs. 200 FOREIGN INWARD REMITTANCE CERT. Rs. 50 Cheque related transactions COLLECTION CHARGES Branch locations+ 0.25 % (min. Rs. 25) Non-branch locations -Express location 0.40% (min. Rs. 50) -Clean location 0.65% (min. Rs. 50) FOREIGN CURRENCY CHEQUE COLLECTION (i.e. payable outside India) Processing fee 0.25% min. Rs. 250/- per transaction Courier Charges Rs. 50/- per transaction FIRC issuance charges Rs. 50/- per FIRC Cheque return charges (ours) Rs. 100/- per cheque PLUS Correspondent Bank charges USD 10/- per item (USD cheques) EURO 25.03 per item (EURO cheques) Euro 25.03 PLUS drawee bank charge (non EURO cheques) OLD RECORDS/COPY OF PAID CHEQUES Upto 1 year Rs. 25 per record Above 1 year Rs. 50 per record STOP PAYMENT INSTRUCTIONS Particular cheque Rs. 50 (Rs. 40 through PhoneBanking) Range of cheques Rs. 100 (Rs. 80 through PhoneBanking) CHEQUE RETURN CHARGES (drawn on us) Due to insufficient funds Rs. 300 Accounts not maintaining AQB Rs. 350 per instrument- (of previous quarter) Technical reasons No charge CHEQUE DEPOSITED RETURNED UNPAID Local Rs. 50 Accounts not maintaining AQB Rs. 100 per instrument-(of previous quarter) Outstation Rs. 100 Note: All charges mentioned are exclusive of Service tax of 10% and Education cess of 0.2%. Transaction Type Business Account BusinessVantage Minimum average quarterly balance Rs.25,000 Rs.1,00,000 Account maintenance fees Rs.900 per quarter if the average quarterly balance in the account falls below Rs.25,000 Rs.1500 per quarter if the average quarterly balance in the account falls below Rs.1,00,000 EEFC and FCA Accounts Min. balance - US$ 5,000 or equivalent Min. balance - US$ 5,000 or equivalent Accounts closed within 6 months Rs.1,000 Rs.1,000 Accounts not operated for more than 1 year Rs.750 per quarter Rs.750 per quarter Transaction limit FREE up to 50 transactions. Thereafter Rs.10 per transaction Unlimited FREE Cashier's order Cashier's order charges FREE (up to Rs.25,000 daily)! FREE Cancellation charges Rs.100 FREE Issue of duplicate instrument Rs.100 FREE Demand Draft Domestic 0.25% (min. Rs.100 and max. Rs.5,000) 0.25% (min. Rs.100 and max. Rs.5,000) Foreign currency 0.25% for US$ (min. Rs.100 and max. Rs.1,500). Additional Rs.250 for drafts in all other currencies. 0.25% for US$ (min. Rs.100 and max. Rs.1,500). Additional Rs.250 for drafts in all other currencies. Cancellation charges Rs.200 Rs.200 Issue of duplicate instrument Rs.200 Rs.200 Mail transfer overseas Draft charge as above* Draft charge as above* Outward TT Remittance Inter-branch transfer across HSBC accounts in India FREE FREE Telegraphic transfers to other banks in India where HSBC has a branch Cashier's order charge* FREE* Telegraphic transfers to other banks in India where HSBC does not have a branch Other bank's charges for DDs* FREE one per day. Thereafter other bank's charges for DDs* Telegraphic transfer overseas Draft charge as above* Draft charge as above* Inward TT Remittance From Group offices / correspondent banks for credit to our customers FREE FREE For remittances to a 3rd bank / for pay-on-ID remittances in local currency Rs.200 + DD charge* Rs.200 + DD charge* Foreign currency As above + 0.1% commission in lieu of exchange As above + 0.1% commission in lieu of exchange Cheque Collection In India Collection in cities where HSBC has a branch 0.3% (min. Rs.50) 0.3% (min. Rs.50) Collection in other cities 0.4% (min. Rs.50) 0.4% (min. Rs.50) Note: Correspondent bank's charges will be recovered on an actual basis Overseas collection 0.25% (min. Rs.150)* 0.25% (min. Rs.150)* If drawn in Indian Rupees Collection charges as above + 0.25% commission in lieu of exchange Collection charges as above + 0.25% commission in lieu of exchange Cheques purchased Collection charges as above + transit interest at commercial rate for 15 days Collection charges as above + transit interest at commercial rate for 15 days Deposit of local clearing cheques for credit of account held at another branch of HSBC in India 0.07% 0.07% Withdrawal of cash to the debit of an account held at another branch of HSBC in India - by arrangement only 0.1% at branch (min. Rs.100 and max. Rs.5,000) 0.1% at branch (min. Rs.100 and max. Rs.5,000) Business Doorstep Banking** Regular Service Cash delivery Rs.100 FREE Cash pick up Rs.100 FREE Cheque / DD delivery Rs.25 per 10 cheques FREE Cheque pick up Rs.25 per 10 cheques FREE On Request Service Cash delivery Available only by specific request# FREE Cash pick up Available only by specific request# Available only by specific request# Cheque / DD delivery Rs.50 per 10 cheques FREE Cheque pick up Rs.50 per 10 cheques FREE Other Services Monthly account statements ## FREE FREE ATM Card FREE FREE Cash withdrawal limit Rs.75,000 Rs.1,00,000 Returned cheques Cheques drawn on us Rs.100* Rs.100* Cheques returned by drawee bank to us FREE FREE Cheque books FREE FREE personalised Cheques payable at par Not offered FREE Stop payments (per instruction) Rs.100 Rs.100 Bulk cash (more than 1000 notes) Rs.25 per 100 notes Rs.25 per 100 notes Bulk coin (more than 50 coins) Rs.50 per 100 coins Rs.50 per 100 coins Traveller's cheques Issue 1% 1% Encashment FREE FREE No Bounce Cheque Protection Not offered PLR + 3% Up to 1,00,000 placement of TMD as security Payments Standing Instructions Setting up (per instruction) FREE FREE Amendments (per amendment) Rs.25 FREE Service charge (per transaction) Rs.10 FREE Autosweep Setting up (per instruction) FREE FREE Amendments (per amendment) Rs.25 FREE Service charge (per transaction) Rs.10 FREE Autopay Setting up (per instruction) FREE FREE Amendments (per amendment) Rs.25 FREE Service charge (per transaction) Rs.10 Rs.10 Revised Depository Service Charges for residents retail customers and corporates w.e.f 01/06/2005 Charge Head Standard Charges Frequent/Sub-brokers Charges A/c Opening Nil Nil Annual Service Charges Rs. 500/- (Rs 450/- for customers receiving statements by e-mail ) Rs. 1250/- (Rs 1200/- for customers receiving statements by e-mail ) Agreement Stamp Paper Rs. 100/- Rs. 100/- Buy Market and Off-Market Nil Nil Sell Market and Off-Market (% of transaction value of each ISIN) Max. Rs. 500 for debt instruments For trade done on www.icicidirect.com Nil Nil For instruction submitted through Internet (e-instructions) 0.04% (Min. Rs. 10/-) 0.04% (Min. Rs. 5/-) For instruction submitted through Call Centre (e-instructions) 0.04% (Min. Rs. 15/-) 0.04% (Min. Rs. 10/-) For instruction submitted through Branches 0.04% (Min. Rs. 30/-) 0.04% (Min. Rs. 15/-) Rejection/fails Rs. 30 /- Rs. 15/- Extra charges for processing of instructions submitted on the execution date late (accepted at Client's risk) For instruction submitted through Internet (e-instructions) Nil Nil For instruction submitted through Call Centre (e-instructions) Nil Nil For instruction submitted through Branches Rs. 10/- per ISIN Rs. 10/- per ISIN Dematerialisation For each request form Rs. 35/- Rs. 35/- Extra for each certifcate Rs. 2/- Rs. 2/- Rematerialisation (For each request form) Rs. 20/- Rs. 20/- Closure of Account Nil Nil Pledge Creation/Closure/Confirmation/ Invocation (% of value for each ISIN in each request) If ICICI Bank is the counter party 0.02% (Min. Rs. 15/-) 0.02% (Min. Rs. 15/-) If ICICI Bank is not the counter party 0.04% (Min. Rs. 30/-) 0.04% (Min. Rs. 30/-) Additional Account Statements Rs. 20/- Rs. 20/- NSDL charges are chargeable extra at actuals. Present NSDL Charges are : Sell Market and Off-Market Rs. 8/- per debit instruction (nil for commercial paper & short-term debt instruments) Remat Rs. 10/- per certificate Pledge Creation Rs. 25/- per instruction Conditions: The value of shares and charges is calculated as per NSDL formula and rates. There will be a charge of Rs. 100/- for dishonor of any cheque or unsuccessful attempt to recover payment through direct debit or ECS. The depository services are liable to discontinuation if ICICI Bank is unable to recover charges from the customer for any reason whatsoever. In such cases there will be a charge of Rs. 250/- for resumption of services and the services will be resumed after a minimum of three working days from the date of receipt of request at Central Processing Office, Mumbai. Any service that is not indicated above will be charged separately as per the rates applicable from time to time. ICICI Bank reserves the right to revise the tariff structure from time to time, with notice of 30 days. The notice may be given by ordinary post or by an advertisement in a national daily. If the Demat Account is closed during the year, no pro-rata refund of Annual Service Charge will be made. Demat service charges: Standard Frequent/Sub-brokers Advance Amount Rs. 2,500/- Rs. 7,500/- Threshold Amount Rs. 1,000/- Rs. 2,000/- PRODUCT SELECT PREMIUM WEALTH ADVISORY Banking Products Eligibility Criteria > Rs. 5 Lacs Individual Banking Relationship or AUA between 10 lacs to 25 Lacs > Rs. 50 Lacs Individual AUA Relationship Rs. 50 Lacs Family AUA Relationship Minimum Balance Requirement Zero Balance Zero Balance Zero Balance Private Banking Kit At par facility Available Available Available Personalised Pay-in Slips Available Available Available Banking Service Charges Refer Charges Sheet Refer Charges Sheet Refer Charges Sheet Mobile banking Free Free Free ICICIBank Private Banking Gold Debit Card ( Internationally Valid ) ICICIBank Private Banking Gold Debit Card ( Internationally Valid ) ICICIBank Private Banking Gold Debit Card ( Internationally Valid ) Debit Cards Free Photo Signature Card Free Photo Signature Card Free Photo Signature Card Transaction Limits Rs 50,000 for cash withdrawal and Rs 1 lac POS usage Rs 50,000 for cash withdrawal and Rs 1 lac POS usage Rs 50,000 for cash withdrawal and Rs 1 lac POS usage Card Re-issue charges Free of Charge Free of Charge Free of Charge ATM Interchange facility Free for all transactions at any bank ATM's in india Free for all transactions at any bank ATM's in india Free for all transactions at any bank ATM's in india Dedicated Resources Relationship Officer Relationship Manager Wealth Advisor Service Officer at Branches Service Officer at Branches Service Officer at Regional Office / Branches Call Centre Facility Exclusive Private Banking Phone Banking Exclusive Private Banking Phone Banking Exclusive Private Banking Phone Banking Mobile identification Mobile identification Mobile identification Priority Queue Priority Queue Priority Queue Housing Loans Preferential Rate of Interest Preferential Rate of Interest Preferential Rate of Interest Rs.5,000 or 0.25% of loan amount, whichever is lower Rs.5,000 or 0.25% of loan amount, whichever is lower Rs.5,000 or 0.25% of loan amount, whichever is lower Credit Cards Roll Over Balance Roll Over @ 2.95% Roll Over @ 2.95% Roll Over @ 2.95% Card Fees 3 year free card or till customer remains HNI (whichever is earlier) 3 year free card or till customer remains HNI (whichever is earlier) Free Type of Card and Limit HPCL Gold Card with pre Approved Limit of Rs. 1.5 Lac HPCL Gold Card with pre Approved Limit of Rs. 3 lacs HPCL Gold Card with pre Approved Limit of Rs. 3 lacs Limit enhancement based on documentation Limit can be enhanced to Rs 2.5 lacs Limit can be enhanced to Rs 5 lacs Limit can be enhanced to Rs 5 lacs Demat and Web Trade Demat Annual Fee Rs. 300 No annual fee No annual fee Buy Charges 0.02% Nil Nil Sell Charges 0.02% Nil Nil E Instructions Free Registration Free Registration Free Registration We...