IF YOU are an account holder of HDFC Bank, then be prepared to pay Rs 50 per quarter for a non-operational account of over-a-year and Rs 25 for depositing cash of over Rs 1,00,000.

The bank will levy a charge of Rs 50 on inoperative accounts. This charge is applicable across savings and current accounts on a per-quarter basis, HDFC Bank informed its customers.

The order comes into effect from January 1.

Though, there is no cash handling fee for deposits of up to Rs 1,00,000 in a day at a home branch for 'non-managed customers', amounts above this level will attract a charge of of Rs 25 per Rs 50,000 and part thereof for such clients.

Non-managed customers are those clients who do not have a private banking or wealth management account with the bank.

Besides, it said Rs 50 per instance will be levied for any deliverable returned by courier due to negative reasons (no such consignee/consignee shifted and no such address).

The lender will charge Rs 100 each for its photo attestation, signature attestation and address confirmation.

If the average monthly balance (AMB) of saving accounts in urban and metro branches is between Rs 5,000 and Rs 10,000, the bank would charge Rs 250 per month.

If AMB is less than Rs 5,000, then Rs 350 per month would be levied, it said. It is to be noted that all banks, including public sector lenders, levy charges if monthly average balance is less than a stipulated level.