HDFC Bank Revises Charges for NEFT, RTGS, IMPS, and Cash Transactions from August 2025

From August 1, 2025, HDFC Bank will implement revised service charges on various transactions, including cash deposits and withdrawals, cheque returns, certificate issuance, and electronic fund transfers, as per news reports.

The changes include reduced free transaction limits, increased charges beyond thresholds, and updated fees for NEFT, RTGS, IMPS, and ECS/ACH returns. Differentiated rates will apply for senior citizens and premium account holders.

Revised Cash Transaction Limits and Charges

Customers will now get four free cash transactions per month. Beyond this, a fee of ₹150 per transaction will be applicable. The free monthly transaction value at any branch for self or third-party transactions has been reduced from ₹2 lakh to ₹1 lakh per account. Once this limit is crossed, the charge will be ₹5 per ₹1,000 or part thereof, with a minimum fee of ₹150.

The daily limit for third-party cash transactions remains at ₹25,000 per day, beyond which transactions are not permitted.

Changes in Certificate and Document Charges

Charges for balance certificate, interest certificate, address confirmation, old records, and copies of paid cheques have been standardised. The new charges will be ₹100 for regular customers and ₹90 for senior citizens when availed physically at the branch premises. Earlier, these services were free or charged at lower rates for certain customer categories.

Revised ECS/ACH Return Charges

From August 1, 2025, ECS/ACH return charges will be ₹500 for the first return and ₹550 for subsequent returns for regular customers. Senior citizens will pay ₹450 for the first return and ₹500 for the second and subsequent returns. These rates have been increased from earlier charges, which were slightly lower across categories.

Updated Cheque Return Charges

For cheque returns due to financial reasons, the revised charge will be ₹500 for the first return and ₹550 for the second and subsequent returns for regular customers. Senior citizens will pay ₹450 for the first return and ₹500 thereafter.

For technical returns, such as missing date, post-dated cheques, or signature mismatch, the charge will be ₹50 for regular customers and ₹45 for senior citizens.

RTGS Transaction Fee Revision

Branch-based RTGS charges have been revised. Transactions between ₹2 lakh and ₹5 lakh will now attract a fee of ₹20 for regular customers and ₹18 for senior citizens. For transactions above ₹5 lakh, the charges will be ₹45 for regular customers and ₹40.50 for senior citizens.

IMPS Transaction Charges

Revised online IMPS charges from August 1, 2025, will be as follows:

• Up to ₹1,000: ₹2.50 for regular customers and ₹2.25 for senior citizens
• ₹1,000 to ₹1 lakh: ₹5 for regular customers and ₹4.50 for senior citizens
• Above ₹1 lakh: ₹15 for regular customers and ₹13.50 for senior citizens. Special Gold and Platinum account holders will continue to enjoy nil charges for IMPS transactions.

Read More: What Does Not Change in the New Income Tax Bill 2025? 

Conclusion 

The upcoming changes in HDFC Bank’s service charges from August 1, 2025, mark a significant update for account holders.

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