HDFC Bank offers several types of current accounts, and the minimum balance varies based on your business needs, location (metro vs. non-metro), and account variant.
Example penalty structure (approx.):
| Account Type | Monthly Average Balance (Metro/Urban) | Best For | |-------------|----------------------------------------|-----------| | | ₹10,000 – ₹25,000 | Small traders, sole proprietors | | Premium Current Account | ₹50,000 – ₹1,00,000 | Growing businesses, higher txns | | Max Current Account | ₹1,00,000 – ₹2,00,000 | Mid-sized enterprises | | Trade Current Account | ₹25,000 – ₹50,000 | Import-export businesses | | Women’s Current Account | ₹10,000 – ₹25,000 | Women entrepreneurs | | Startup Current Account | ₹10,000 (often waived for 6-12 months) | New businesses | ✅ Note: Rural and semi-urban branches have lower MAB (often 25–50% less than metro). Zero Balance Current Account – Does HDFC Offer It? No free-zone current account — HDFC does not offer a regular zero-balance current account like some small finance banks. hdfc current account minimum balance