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SAVING ACCOUNT DETAIL Pension Saving Bank Account Highlights Bank HDFC Bank Category Senior Citizen Minimum AQB (Average Quarterly Balance) No minimum balance required Interest Rate 3.5% Card Offered ATM cum Debit Card ATM Card NA ATM Card - Replacement charges NA Main Features The Pension Saving account is a Zero Balance Account. Timely credit of receivables. Free International Debit Card. Enjoy facilities such as NetBanking, PhoneBanking, BillPay, ATM facility, inter-city and inter-branch banking. Pension Accounts are transferable from one branch/bank to another. The HDFC Bank advantage Pension Accounts are opened immediately after advice, and deliverables reach in time- within the 1st and 5th of the new month (in case of EPFO) and last day of the month (in case of Central Govt. Civil Pensions). Timely communication to the customer on receipt of the PPO. No delays in commencement of pension disbursals (subject to all the stipulated terms/conditions are fulfilled by the pensioner). Dispatch of credit advice containing detailed calculations of the amount credited each month within 10 days of the payment. Timely issue of Form- 16A (by April 15th) for tax deducted at source in the immediately previous financial year. Timely intimation of revisions due to changes in rates of Pension or Dearness Allowance. Immediate action in case family pension devolves to the spouse.  Fees & charges   Fees & charges Cash Transaction Interbranch transactions through teller counters - Cash transactions Free Cash Transaction Withdrawal ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 20 per cash withdrawal (plus taxes) ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 110 per cash withdrawal (plus taxes) Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders)Rs. 100 per cash withdrawal (plus taxes) Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 20 per cash withdrawal (plus taxes) ATM transaction at own bank Debit Card - Transaction Charge - HDFC Bank ATMs Free Debit Card Fees Debit Card - Annual Fee - Regular Free Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Rs. 150 per year (plus taxes) Balance inquiry at own bank Balance Enquiry - at Branch Free Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 10 per balance enquiry ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry - Not available Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 10 per balance enquiry Debit card renewal charges Debit Card - Renewal Fee - Regular Free Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs. 150 per year (plus taxes) Replacement of Debit Card Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Add-on debit card Add-on Debit Card - Regular Rs. 100 per year (plus taxes) - One add-on card free for the first year Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 150 per year (plus taxes) Issue of DD drawn on base Bank/banks branch by cheque/transfer DD request through Branch Upto Rs. 10000 Rs.50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking) Rs. 60 (Senior Citizens / Individuals in Rural areas) **Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking. Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) (*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 Rs. 40 (Senior Citizens / Individuals in Rural areas) 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 to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement through Netbanking,Rs. 50 per statement through Phonebanking(IVR),ATM & Mobilebanking. Hold Statement Rs. 400 Cheque Books Free PAP Cheque book NA Outstation cheque collection Collection of outstation cheques - our bank locations Cheques drawn on metro/non-metro cities (Branch Locations) Cheque value Rs. 0 to Rs. 500 No Charges Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50) * Credit on receipt of clear funds Collection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50) Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50) *Credit on receipt of clear funds Return of Cheque Cheque return charges drawn on us - Local Due to insufficient funds - Rs. 350 Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Stop Payment for individual cheque or a range of cheques Particular Cheque - Rs. 50 (Rs. 40 through Phonebanking), Range of Cheques - Rs. 100 (Rs. 80 through Phonebanking) Closure of Account Before 6 months - Rs. 100, After 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 The following are eligible to open a Pension Saving Bank Account: All employees of central government and civil ministries who are covered under the Central Government Civil Pension Scheme operated by Central Pension Accounting Office, Department of Expenditure and Ministry of Finance. All the employees of an establishment with a workforce strength of more than 20 (including contract employees) and who have opted to be members of the EPS 95 scheme. Existing members of "Member of Employees" Family Pension Scheme. Procedure & Operation A Pension Salary Account can only be opened in an individual's name. The account can be opened up to two months before the date of retirement. The details of your HDFC Bank Pension Salary Account will have to be furnished to your employer. After retirement, the RPFC/CPAO will forward the Pension Payment Order (PPO) to our designated office. You will then receive intimation to complete documentation at the designated branch. After the pensioner's portion of the PPO is handed over, the pension will start getting credited to your account every month. Min Age 60 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 The Home Loan Rate Pendulum Tata Nano: How would Bank Loans look Bank loans that could glitter for you Evaluate Hidden costs before buying a house Plan for your child