Introduction 

• Brief overview of HDFC Bank’s recent announcement on changes to cash transaction rules effective from August 2025.

• Importance of understanding these changes for savings account holders, especially small and middle-class customers.

• Highlight the key change: Rs 150 fee after 4 free cash transactions and monthly transaction value limit cut from Rs 2 lakh to Rs 1 lakh.

Background on Previous Policy

• Explanation of the earlier rules: 4 free cash transactions per month, Rs 2 lakh monthly free transaction value.

• No charge for transactions within the free limit.

• The significance of these free transactions for everyday banking customers.

• money information

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Detailed Explanation of New Rules Only 4 free cash transactions per month per account.

• After 4 transactions, Rs 150 per transaction fee applies.

• Monthly free transaction value limit reduced from Rs 2 lakh to Rs 1 lakh.

• Additional charges of Rs 5 per Rs 1,000 or part thereof beyond the free transaction value, minimum Rs 150.

• Third-party daily cash transaction limit remains Rs 25,000.

• Impact on self and third-party transactions at any branch.

Charges on Other Transactions 

• Overview of updated fund transfer charges:

  • NEFT charges slab: Rs 2 to Rs 24 depending on amount.

  • RTGS charges slab: Rs 20 to Rs 45 depending on amount.

  • IMPS charges slab: Rs 2.50 to Rs 15 depending on amount.

• Other service charges like balance certificate, interest certificate, and ECS/ACH returns.

• Differentiated charges for senior citizens and premium account holders.

Impact on Customers & How to Manage Charges 

• Effect on small and middle-income customers who frequently use cash deposits and withdrawals.

• Suggestions for minimizing fees: plan transactions, use digital payments, leverage online banking.

• Importance of knowing limits to avoid unexpected charges.

• Tips to monitor transactions and stay updated via HDFC Bank digital platforms.

Conclusion 

• Summary of the key changes and their implications.

• Encourage readers to review their transaction habits and bank communication.