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HDFC BankCurrent account

HDFC Bank Biz Elite+ Current Account

HDFC's high-balance Biz+ tier for larger businesses, combining ₹5 lakh/₹2.5 lakh AQB with very high cash-deposit allowances, unlimited bulk transactions and merchant-volume NMC waiver logic.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Required balance₹5 lakh AQB metro/urban or ₹2.5 lakh semi-urban/rural under the reviewed schedule.
Balance / account costAQB: ₹5 lakh metro/urban and ₹2.5 lakh semi-urban/rural. NMC: ₹8,000 per quarter metro/urban and ₹4,000 semi-urban/rural; qualifying merchant credit volume of ₹15 lakh can waive NMC.
Cash / transaction allowancesFree combined cash deposits up to ₹75 lakh per month or 15× current-month AMB, whichever is higher, capped at ₹75 crore; non-home cash withdrawals also receive a 15×AMB allowance.
Ongoing account conditionThis is a large-business tier; comparing it with lower Biz+ variants should start with actual cash/transaction needs rather than prestige or bundled benefits.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Required balance₹5 lakh AQB metro/urban or ₹2.5 lakh semi-urban/rural under the reviewed schedule.
02 · Balance / account costAQB: ₹5 lakh metro/urban and ₹2.5 lakh semi-urban/rural. NMC: ₹8,000 per quarter metro/urban and ₹4,000 semi-urban/rural; qualifying merchant credit volume of ₹15 lakh can waive NMC.
03 · Cash / transaction allowancesFree combined cash deposits up to ₹75 lakh per month or 15× current-month AMB, whichever is higher, capped at ₹75 crore; non-home cash withdrawals also receive a 15×AMB allowance.
04 · Ongoing account conditionThis is a large-business tier; comparing it with lower Biz+ variants should start with actual cash/transaction needs rather than prestige or bundled benefits.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Balance / account costAQB: ₹5 lakh metro/urban and ₹2.5 lakh semi-urban/rural. NMC: ₹8,000 per quarter metro/urban and ₹4,000 semi-urban/rural; qualifying merchant credit volume of ₹15 lakh can waive NMC.
Required balance₹5 lakh AQB metro/urban or ₹2.5 lakh semi-urban/rural under the reviewed schedule.
Business banking benefitsUnlimited free bulk transactions, free business debit card, free NEFT/RTGS/IMPS, high business/payment-protection insurance and merchant/trade benefits.
Cash / transaction allowancesFree combined cash deposits up to ₹75 lakh per month or 15× current-month AMB, whichever is higher, capped at ₹75 crore; non-home cash withdrawals also receive a 15×AMB allowance.
Eligible business entitiesResident individuals, HUFs, sole proprietors, partnerships, LLPs and private/public limited companies subject to HDFC Bank approval.
Ongoing account conditionThis is a large-business tier; comparing it with lower Biz+ variants should start with actual cash/transaction needs rather than prestige or bundled benefits.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Large businesses with high transaction volumes that can naturally maintain the balance or qualifying merchant volume and use the much larger free transaction envelope.

Verify before relying
  • High AQB makes the account expensive if transaction allowances are not used.
  • Free limits can lapse when maintained AQB is too low.
  • Merchant-volume waiver depends on qualifying ME/PG/MPOS activity.
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcewww.hdfc.bank.in
Open source ↗02
Additional first-party evidencewww.hdfc.bank.in
Open source ↗03
Additional first-party evidencewww.hdfc.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.