IT’S TIME TO

LEVEL UP YOUR
BUSINESS
GROWTH.

Presenting

VYAPAR CURRENT ACCOUNT

The complete banking and business solution for merchants

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 NEXT-LEVEL FEATURES.
NEXT-LEVEL GROWTH.
Instant, digital, and paperless
Zero balance
current account* merchant onboarding*

Accept &
make Instant
payments settlement
digitally on UPI
transactions

T&C Apply. For existing HDFC Bank Customers only.

Grow your
business
digitally
Dukandar
Overdraft

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*
 BOOST YOUR BUSINESS GROWTH WITH
NEXT-LEVEL CURRENT ACCOUNT.
Pick from our varied Activ, Premium, Ascent, Plus, and
Max Advantage current accounts based on your business needs.

No minimum Free cash deposit* Business Debit Card with

balance* across any cashbacks, free insurance
(Avail average quarterly balance waiver
by using POS/PG/SmartHub Vyapar solutions) HDFC Bank branch cover & more

No cash withdrawal
limit or charges at Auto upgrade Free RTGS and
home branch for better benefits NEFT payment

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T&C Apply.

*
Please refer the end of catalogue for schedule of charges.
*
 ENJOY NEXT-LEVEL BUSINESS
SOLUTIONS WITH SMARTHUB VYAPAR.
An all-in-one app for banking solutions and business growth.

Merchants Love The App

4.8
Rating on Playstore*

1.4 million+
Merchants on the platform

Accept & make Get access to

payments digitally pre-approved loans

Access to Grow your

banking services business digitally

Onboard now and get instant access to all these and more
*As on 30th April 2023.

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 Avail Next-Level Banking Solutions
at Your Fingertips.

Accept payments Make business

digitally payments digitally
• Scan & Pay and Tap & Pay • Vendor & Distributor Payments
• Accept remote payments easily with • GST Payments
UPI collect & SMS Pay • Utility Payments
• Get instant settlement on UPI transactions
• Integrated with POS & Soundbox devices

Manage banking & Instant loans

business upto 75 lakhs
• Apply for SmartHub Vyapar Prepaid cards • Get instant disbursal for
& Business credit cards pre-approved loans
• Open Fixed Deposits • Choose from a range of offerings as per
• Unique logins for staff to accept payments your business needs - Business loan,
Loan against credit card & Dukandar
Overdraft

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 Experience Next-Level
Value Added Services.

Get insights with analytics

& reports
• One-view dashboard for all your stores
• Check payments credited to your
account easily
• Download and share transaction &
settlement reports
• Get business insights of your customers

Create offers and share it

with your customers to
increase sales
• Offers & rewards
• Merchant campaigns

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 Access Next-Level
Convenience.

Get notified with

every payment
• In-app voice-based notifications
• Soundbox devices
• Get notified in your preferred
language - English, Hindi & Tamil

Best-in-class care
• 24x7 EVA chatbot support
• 24x7 call support on
<your location STD code> 60017000
For North East: 93335 57000

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AVAIL NEXT-LEVEL QUICK FINANCING
WITH DUKANDAR OVERDRAFT.
Get pre-approved overdraft facility
enabled with your Current Account.

6 months’ Interest
bank charged
statement only on the
of any bank amount used
required

No No
fixed EMI commitment
charges

Paperless Pay interest

Dukandar of `23 per day
Overdraft for utilisation
journey of `50,000

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ACCESS NEXT-LEVEL BUSINESS LOANS
FOR ALL YOUR NEEDS.
Get business loans quickly and easily with your
Vyapar Current Account.

XPRESS Loans
Business Against
Loans Property/
Securities

Commercial XPRESS
Vehicle Car
Loans Loan

Gold Working
Loan Capital
Loans

Talk to your Relationship Manager today.

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 ENJOY NEXT-LEVEL SAVINGS
WITH OUR BUSINESS CARDS.
Get interest free credit period,
easy EMI options, valuable rewards and more!

Business MoneyBack Credit Card Business Regalia Credit Card

 Avail interest-free credit period of upto 50 days

 Make vendor payments from cards via SmartHub Vyapar App
 5% cashback on telecom, utility, government & tax payments#

T&C Apply. #Benefit is applicable only in 1st year. *On achiveing annual spend milestone.
 Upto 4 reward points on every `150 spent + Bonus Reward points*
 Easily convert high-ticket business purchases to EMIs

SmartHub Vyapar Prepaid Card

 5% cashback on utility bill payments
and 1% on others
 Save up to `12,000 p.a.
 Track business expenses for
optimal spending
 No issuance charges or annual fees

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*
EXPERIENCE NEXT-LEVEL SECURITY
WITH BUSINESS INSURANCE.
Insurance from uncertainties with HDFC ERGO
General Insurance Policies under Dukandaar Suraksha.
Dukandaar Suraksha Policies

Business Suraksha Classik Sarv Suraksha Plus (Group)

Fire and Money in

burglary safe/tilt

Money in Hospital
transit cash

Public Accidental
liability cover

General insurance premium starts at `2239 per annum for a cover of `5 Lakhs.

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 Current Account
Schedule of Charges
Product Activ CA Premium Ascent CA Plus CA Max
Name CA Advantage
CA
Average `10,000 `25,000 Metro/Urban - `1,00,000 Metro/Urban -
quarterly `50,000, `5,00,000
balance Semi Urban/ Semi Urban /
requirement Rural - `25,000 Rural - `2,50,000

Average Quarterly Balance Waiver Criteria to make account a Zero Balance Account is given below

Quarterly POS / PG `3,00,000 `4,00,000 `5,00,000 `7,00,000 `30,00,000

SmartHub Vyapar
volume required for
Zero Balance
Account

Cash deposit – Free upto 10 Deposit up Free upto 10 Deposit up Free upto 12
home & times average to `3 lakhs times average to `12 lakhs times average
non - home monthly cash free monthly cash free monthly
location balance per month OR balance per month OR balance
(Upper cap - 25 transactions (Upper cap - 50 transactions (Upper cap -
`50 Cr) (whichever is `50 Cr) (whichever is `75 Cr)
breached first) breached first)

Cash 10 times current Free `25,000 10 times current Free 12 times current
withdrawal – average per day average `1,00,000 average
non - home monthly balance monthly balance per day monthly balance
branch (Upper cap - (Upper cap - (Upper cap -
`50 Cr) `50 Cr) `75 Cr)

Cheque
collection Free Free Free Free Free
and payment

NEFT / RTGS Free Free Free Free Free

payments

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 Current Account
Schedule of Charges
Product Activ CA Premium Ascent CA Plus CA Max
Name CA Advantage
CA

DD / PO Free 30 DDs/POs Free Free 50 DDs/POs Issue 50 Free

at bank for every slab of DD/PO for every slab of DDs and 50
location `1 Lakh of above `1 Lakh of POs a
average monthly `1 Lakh average monthly month free
balance average balance from any
maintained monthly maintained HDFC Bank
(Upper cap - balance (Upper cap - branch
1000 DD/PO) 1000 DD/PO)

Cheque Free 100 Free 100 Free 100 Free 300 Free 100
leaves cheque cheque cheque cheque cheque
leaves for leaves leaves for leaves leaves for
every slab every slab every slab
of `1 Lakh of `1 Lakh of `1 Lakh
of current of current of current
average monthly average monthly average monthly
balance balance balance
maintained maintained maintained

Total 150 Total Free 150 Total Free 150 Total

transaction transactions for up to 75 transactions up to 250 transactions
monthly every slab of transactions for every slab transactions for every slab
free limit `1 Lakh of of `1 Lakh of of `1 Lakh of
average monthly average monthly average monthly
balance balance balance
maintained maintained maintained
(Upper cap - (Upper cap - (Upper cap -
3000 Total 3000 Total 3000 Total
transactions) transactions) transactions)

Free outward Nil Nil 3 returns per 3 returns per 5 returns per
cheque return month month month

Business Free annual `250 Free annual `250 Free annual

debit card charge charge charge

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 Open your
VYAPAR CURRENT ACCOUNT
now

Get in touch with your nearest HDFC Bank Branch