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SAVING ACCOUNT DETAIL Institiutional Saving Account Highlights Bank HDFC Bank Category Regular Minimum AQB (Average Quarterly Balance) No minimum balance required Interest Rate 3.5% Card Offered None Main Features Zero balance account. Payable at Par chequebook facility Free: You can now use your PAP chequebook at any of HDFC Bank locations (through Clearing only) without any charge. Avail of Free Outstation Cheque Collection at HDFC Bank locations across the country. You can also avail of special rates for outstation cheque collection at non-HDFC Bank locations. Enjoy unlimited DDs on HDFC Bank locations Free. Carry out cash transactions at any HDFC Bank branch. Third party cash transactions up to Rs.50,000/ - per day Free. Get monthly account statements Free. Avail special discounts on Foreign exchange transactions. Bank from home using our 24-hour NetBanking & PhoneBanking service. Collect fees, donations online using our Payment Gateway facility. Invest your surplus funds smartly! Get valuable investment advice from our monthly newsletter absolutely Free.  Fees & charges   Fees & charges Cash Transaction Withdrawal Interbranch transactions through teller counters -Cash Withdrawals upto Rs.50,000 per day - Free Above Rs. 50,000 - Rs. 2.90 per 1000 Third party cash transaction limit of Rs.50,000 per day - Free. Above Rs.50,000 - Not Allowed Cash Deposit Interbranch transactions through teller counters-Cash Deposits upto Rs. 50,000 per day - Free Local Cheque deposited for outstation accounts Cheque value Rs. 0 to Rs. 500 No Charge Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50) Balance inquiry at own bank Free Issue of DD drawn on base Bank/banks branch by cheque/transfer Free DDs on HDFC Bank locations without limit DD request through NetBanking Upto Rs. 1 Lakh Free Corr bank charges applicable Third party DD* upto Rs. 1 Lakhs Free (*Third Party Registration required .Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address) DD cancellation/Revalidation Rs 50 DD drawn on correspondent location/other bank Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300) Statement/Duplicate Account Statement Account Statements - Free Monthly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through PhoneBanking (Non-IVR) & ATM, Rs.30 per statement through PhoneBanking (IVR) & MobileBanking, Free through NetBanking Hold Statement Rs. 400 per year Cheque Books PAP Cheque Book Free - issued by default 25 leaves Free per calendar quarter No charges on usage at HDFC Bank locations. Outstation cheque collection Collection of outstation cheques - our bank locations Collection Free. Courier charges (Rs.20/-) applicable Collection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 25 per inst) + Courier charges (Rs.25/-) applicable Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.40% (Min Rs. 25 per inst) + Courier charges (Rs.25/-) applicable * Credit on receipt of clear funds Return of Cheque Rs 75 Stop Payment for individual cheque or a range of cheques Particular Cheque - Rs. 50 (Free through PhoneBanking & NetBanking), Range of Cheques - Rs. 100 (Free through PhoneBanking & NetBanking) Closure of Account Upto 14 days - No charge 15 days upto 6 months - Rs 100/- Above 6 months - No charge Interest Certificate Rs. 50 Balance Certificate Current year - Free, Previous year - Rs. 250  Services & Features   Services & Features Overdraft Facility No Reward Points No Internet Banking Yes Free Phone Banking Yes PhoneBanking - IVR Free PhoneBanking - Non IVR Free Mobile Banking Yes Free SMS Alerts No  Eligibility Criteria   Eligibility Criteria Registered trusts, associations, societies, clubs & such other institutions can apply for this account. This is a Zero Balance Account. There is no Average Quarterly Balance (AQB) requirement. Min Age 18 Yrs. Show All Saving Accounts ACCOUNTS BY BANKS ABN AMRO AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank IDBI Bank Indian Bank Jammu & Kashmir Bank Kotak PNB South Indian Bank Standard Chartered Bank State Bank of Bikaner and Jaipur State Bank of Hyderabad State Bank of India State Bank of Travancore Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Managing loans through difficult times Fixed or floating interest rate home loan:... Planning to invest in a bank FD? 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