HDFC Banking Charges August 2025 : New NEFT, IMPS & Cash Fees Explained

HDFC Banking Charges August 2025 – Check updated NEFT, IMPS, RTGS, and cash deposit/withdrawal fees. Explore the latest charges, rules, and benefits to manage your transactions smartly.

Banking charges directly affect how customers manage savings and transactions. In August 2025, HDFC Bank has revised its fee structure for NEFT, IMPS, RTGS, UPI, cheque payments, and cash deposits/withdrawals. These changes are crucial for account holders to understand, as they can impact both personal and business finances. If you are looking for a clear guide to the HDFC Banking Charges August 2025, this article breaks down every important update with examples, comparisons, and tips.

In recent years, Indian banks, including HDFC Bank, have updated their service charges regularly to match RBI guidelines, digital adoption, and rising transaction volumes. Knowing the right charges helps you avoid hidden fees and plan your transactions efficiently. This article explains the latest HDFC Banking Charges August 2025, eligibility rules, limits, and EMI-related impacts, ensuring you stay compliant with banking policies and optimize your daily transactions.

HDFC Banking Charges August 2025 – An Overview

HDFC Bank has released updated charges effective August 2025 for digital transactions, cash handling, cheque services, and other account-related facilities. These updates are aligned with the Reserve Bank of India’s regulatory framework and are designed to promote digital banking while discouraging excessive cash usage.

Key highlights of HDFC banking charges this month include:

• NEFT Charges – Vary by amount slab, with digital channels offering lower fees.

• IMPS Charges – Competitive rates for instant transfers.

• RTGS Charges – Applicable for high-value transactions above ₹2 lakh.

• Cash Deposit/Withdrawal Charges – Free up to a limit, after which fees apply.

• Cheque & Demand Draft Charges – Nominal fees for issuance and clearing.

These changes affect individual account holders, SMEs, corporates, and salary account customers.

NEFT Charges in HDFC Bank – August 2025 Update

NEFT (National Electronic Funds Transfer) remains one of the most widely used digital payment services in India. HDFC Bank allows NEFT through both net banking and branch banking.

Updated NEFT Charges – August 2025 (HDFC Bank)

• Up to ₹10,000 – ₹2.50 + GST

• ₹10,001 to ₹1 lakh – ₹5 + GST

• ₹1 lakh to ₹2 lakh – ₹15 + GST

• Above ₹2 lakh – ₹25 + GST

Note: Online NEFT via NetBanking and Mobile Banking is free, as per RBI directions. However, NEFT through branch banking carries these charges.

Example:
If you transfer ₹50,000 via NEFT from an HDFC branch, the charge is ₹5 + GST = ₹5.90 approx.

IMPS Charges in HDFC Bank – August 2025 Update

IMPS (Immediate Payment Service) enables real-time money transfers available 24×7, even on Sundays and bank holidays. HDFC has updated its IMPS fee slabs for August 2025.

Updated IMPS Charges – HDFC Bank (August 2025)

• Up to ₹1,000 – Free

• ₹1,001 to ₹1 lakh – ₹5 + GST

• ₹1 lakh to ₹2 lakh – ₹15 + GST

• ₹2 lakh to ₹5 lakh – ₹25 + GST

 HDFC offers instant IMPS credit with secure OTP and MPIN authentication.

Example:
If you transfer ₹1.5 lakh via IMPS, the fee is ₹15 + GST = ₹17.70 approx.

RTGS Charges in HDFC Bank – August 2025

RTGS (Real Time Gross Settlement) is meant for large-value transfers above ₹2 lakh. It is the preferred channel for corporates, businesses, and high-net-worth individuals.

Updated RTGS Charges – August 2025 (HDFC Bank)

• ₹2 lakh to ₹5 lakh – ₹25 + GST

• Above ₹5 lakh – ₹50 + GST

Timings:

• Online RTGS – 24×7 via NetBanking & Mobile Banking (free of cost).

• Branch RTGS – During banking hours, with above charges.

HDFC Banking Charges August 2025

Cash Deposit Charges in HDFC Bank – August 2025

Cash deposit charges are among the most important fees for account holders, especially for businesses and traders dealing in regular cash transactions.

Updated Cash Deposit Charges – HDFC Bank (August 2025)

• At Home Branch (Same City):

  • Free up to 4 transactions per month or up to ₹2 lakh.

  • Beyond this, ₹5 per ₹1,000 (minimum ₹150).

• At Non-Home Branch (Other City):

  • ₹5 per ₹1,000 (minimum ₹150).

  • Limits may apply depending on account type.

 Tip: Use digital transfers like NEFT/IMPS/RTGS to avoid repeated cash deposit charges.

Cash Withdrawal Charges in HDFC Bank – August 2025

Cash withdrawal fees apply when customers exceed free withdrawal limits.

Updated Cash Withdrawal Charges – HDFC (August 2025)

• At Home Branch (Same City):

  • Free up to 4 withdrawals per month.

  • After limit: ₹5 per ₹1,000 withdrawn (minimum ₹150).

• At Non-Home Branch (Other City):

  • ₹5 per ₹1,000 (minimum ₹150).

  • For third-party withdrawals (using cheque/authorization), a limit of ₹50,000 per day applies.

ATM Withdrawal Charges:

• First 3 withdrawals (Metro cities) and 5 withdrawals (Non-Metro cities) are free.

• After that, ₹21 per transaction at HDFC and other bank ATMs.

Cheque-related Charges – HDFC Bank August 2025

Cheque services remain relevant for businesses and high-value transactions. HDFC applies fees for certain cheque-related services.

Updated Cheque Service Charges – HDFC Bank (August 2025)

• Cheque Book Issuance: First 25 cheque leaves free per financial year, thereafter ₹2 per cheque leaf.

• Cheque Bounce Charges (Insufficient Funds): ₹500 per bounce.

• Stop Payment of Cheque: ₹100 per cheque, or ₹200 for range of cheques.

• Demand Draft Issuance: ₹2.50 per ₹1,000 (minimum ₹50, maximum ₹10,000).

Other Important Service Charges – August 2025

Besides NEFT, IMPS, RTGS, and cash/cheque charges, HDFC has additional fees on different banking services.

Account Related Charges:

• Minimum Balance Penalty (Savings Account): ₹150 – ₹600 depending on shortfall.

• SMS Alert Charges: ₹25 per quarter (waived for senior citizens).

• Debit Card Annual Fee: ₹200 – ₹750 depending on card type.

Loan / EMI Related Charges:

• EMI Late Payment Fee: 2% per month on overdue amount.

• Loan Processing Fee: 0.5% – 2% of loan amount.

Tips to Save on HDFC Banking Charges 2025

HDFC customers can significantly reduce service charges with smart banking practices:

• Prefer digital banking (NetBanking, Mobile Banking, UPI) to avoid branch transaction fees.

• Consolidate cash deposits instead of making frequent small deposits.

• Use free ATM withdrawals wisely and switch to UPI for small transactions.

• Maintain minimum balance to avoid penalties.

• Opt for salary accounts / premium accounts that offer fee waivers.

• Monitor bank SMS/email alerts to track charges instantly.

Pros & Cons of HDFC Banking Charges 2025

 Pros:

• Wide range of digital channels (NetBanking, Mobile Banking, UPI) with zero charges.

• Transparent fee structure updated regularly as per RBI guidelines.

• Multiple free limits for ATM withdrawals, cheque books, and cash deposits.

• Special concessions for senior citizens and salary account holders.

 Cons:

• Branch-based transactions carry higher charges.

• Frequent cash handling can get expensive for SMEs and traders.

• Non-home branch deposits and withdrawals are costlier.

• Customers with low balances may face penalties.

HDFC vs SBI vs ICICI – Banking Charges August 2025

Takeaway: HDFC is competitive but slightly costlier on cash transactions, while SBI offers more lenient cheque bounce charges.

FAQs – HDFC Banking Charges August 2025

1. Are HDFC Bank NEFT transfers free in 2025?

Yes, online NEFT transfers via NetBanking and Mobile Banking are free. Branch NEFT transfers have charges between ₹2.50 to ₹25 + GST.

2. How many free ATM withdrawals are allowed in HDFC Bank?

HDFC allows 3 free ATM withdrawals in metro cities and 5 in non-metro cities every month. After that, ₹21 per transaction is charged.

3. What are the IMPS charges in HDFC Bank 2025?

IMPS charges range from Free to ₹25 + GST, depending on the transaction amount.

4. What is the RTGS charge in HDFC Bank August 2025?

RTGS done online is free, while branch RTGS costs ₹25 to ₹50 + GST depending on the transfer amount.

5. What is the cash deposit charge in HDFC Bank 2025?

Cash deposits are free up to 4 transactions or ₹2 lakh per month. After that, ₹5 per ₹1,000 (minimum ₹150) is charged.

6. How much does HDFC Bank charge for cheque bounce?

HDFC Bank charges ₹500 for every cheque bounce due to insufficient funds.

7. What are the SMS alert charges in HDFC Bank 2025?

SMS alert charges are ₹25 per quarter. Senior citizens are exempted from these charges.

8. Is there any penalty for not maintaining minimum balance in HDFC Bank?

Yes, if you don’t maintain the required balance, HDFC charges a penalty between ₹150 and ₹600 depending on the shortfall.

9. How can I avoid banking charges in HDFC Bank?

You can avoid charges by using digital banking, maintaining balance, limiting cash transactions, and opting for salary/premium accounts.

10. Does HDFC Bank charge for UPI transactions in 2025?

No, UPI transfers are completely free for HDFC Bank customers.

Important Links

Authoritative External Links

• HDFC Bank Charges

• EMI Calculator

• CIBIL Score Check (Official)

Suggested Read on nicgujarat.com

• HDFC vs ICICI Personal Loan 2025 – Which Is Better for You?
• HDFC Personal Loan 2025 – Best Interest Rates, Eligibility & Online Apply Guide

Conclusion

The updated HDFC Banking Charges August 2025 reflect the bank’s focus on digital-first banking while discouraging excess branch-based and cash transactions. For most account holders, digital transfers such as NEFT, IMPS, UPI, and RTGS remain low-cost or free, making them the best way to save on fees. However, businesses and individuals handling large cash volumes must be mindful of the revised cash deposit and withdrawal limits.

By adopting digital banking habits and choosing the right account type, customers can avoid unnecessary charges and manage their finances effectively.

If you are an HDFC account holder, staying updated with these fees ensures better financial planning and compliance with RBI rules.