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HDFC BankCurrent account

HDFC Bank Biz Pro+ Current Account

A growing-business HDFC Bank current account with location-based AQB, transaction-volume-based non-maintenance waivers, scaled cash-deposit allowances and bundled digital/business services.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Required balanceLocation-based AQB applies, with zero non-maintenance charge possible when qualifying quarterly merchant/payment volume reaches the published threshold.
Balance / account costAQB is ₹50,000 in metro/urban and ₹25,000 in semi-urban/rural locations; reviewed non-maintenance charges are ₹3,000 and ₹2,000 per quarter respectively unless a waiver condition is met.
Cash / transaction allowancesFree cash deposit up to ₹6 lakh per month or 10x current-month AMB, whichever is higher, subject to the published upper cap and maintenance conditions.
Ongoing account conditionFree transaction limits can lapse if maintained AQB is below the required threshold; merchant-volume waivers depend on qualifying HDFC payment channels.
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.

2 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 balanceLocation-based AQB applies, with zero non-maintenance charge possible when qualifying quarterly merchant/payment volume reaches the published threshold.
02 · Balance / account costAQB is ₹50,000 in metro/urban and ₹25,000 in semi-urban/rural locations; reviewed non-maintenance charges are ₹3,000 and ₹2,000 per quarter respectively unless a waiver condition is met.
03 · Cash / transaction allowancesFree cash deposit up to ₹6 lakh per month or 10x current-month AMB, whichever is higher, subject to the published upper cap and maintenance conditions.
04 · Ongoing account conditionFree transaction limits can lapse if maintained AQB is below the required threshold; merchant-volume waivers depend on qualifying HDFC payment channels.
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 is ₹50,000 in metro/urban and ₹25,000 in semi-urban/rural locations; reviewed non-maintenance charges are ₹3,000 and ₹2,000 per quarter respectively unless a waiver condition is met.
Required balanceLocation-based AQB applies, with zero non-maintenance charge possible when qualifying quarterly merchant/payment volume reaches the published threshold.
Business banking benefitsFree RTGS/NEFT/IMPS through branch and NetBanking, free Business Debit Card, business/payment-protection insurance and merchant/POS/Soundbox-linked benefits under current terms.
Cash / transaction allowancesFree cash deposit up to ₹6 lakh per month or 10x current-month AMB, whichever is higher, subject to the published upper cap and maintenance conditions.
Eligible business entitiesResident individuals, HUFs, sole proprietorships, partnerships, LLPs and private/public limited companies under current business-account KYC rules.
Ongoing account conditionFree transaction limits can lapse if maintained AQB is below the required threshold; merchant-volume waivers depend on qualifying HDFC payment channels.
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

Growing small businesses that can maintain the required AQB or generate enough qualifying merchant/payment volume to earn the balance-commitment waiver.

Verify before relying
  • The balance requirement differs by location.
  • Zero non-maintenance treatment depends on specific merchant/payment activity, not simply total business turnover.
  • Free cash/transaction limits are linked to balance maintenance and can be lost if AQB falls too low.
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 ↗
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.