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HDFC BankCurrent account

HDFC Bank Biz Ultra+ Current Account

A mid-to-upper HDFC Biz+ tier for expanding businesses, with ₹2 lakh/₹1 lakh AQB by location and substantially larger cash-deposit and transaction allowances than Biz Pro+.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Required balance₹2 lakh AQB in metro/urban branches or ₹1 lakh in semi-urban/rural branches under the reviewed current schedule.
Balance / account costAQB: ₹2 lakh metro/urban and ₹1 lakh semi-urban/rural. NMC: ₹5,000 per quarter metro/urban and ₹3,000 semi-urban/rural; merchant-volume waiver can apply from ₹7 lakh quarterly qualifying volume.
Cash / transaction allowancesFree combined cash deposit up to ₹25 lakh per month or 12× current-month AMB, whichever is higher, subject to the ₹50 crore upper cap and maintained-balance conditions.
Ongoing account conditionThe Ultra+ tier sits above Pro+ and below Elite+; its economics depend on whether the larger cash/transaction allowances are actually needed.
Research processPublished by bankingreference.info

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₹2 lakh AQB in metro/urban branches or ₹1 lakh in semi-urban/rural branches under the reviewed current schedule.
02 · Balance / account costAQB: ₹2 lakh metro/urban and ₹1 lakh semi-urban/rural. NMC: ₹5,000 per quarter metro/urban and ₹3,000 semi-urban/rural; merchant-volume waiver can apply from ₹7 lakh quarterly qualifying volume.
03 · Cash / transaction allowancesFree combined cash deposit up to ₹25 lakh per month or 12× current-month AMB, whichever is higher, subject to the ₹50 crore upper cap and maintained-balance conditions.
04 · Ongoing account conditionThe Ultra+ tier sits above Pro+ and below Elite+; its economics depend on whether the larger cash/transaction allowances are actually needed.
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: ₹2 lakh metro/urban and ₹1 lakh semi-urban/rural. NMC: ₹5,000 per quarter metro/urban and ₹3,000 semi-urban/rural; merchant-volume waiver can apply from ₹7 lakh quarterly qualifying volume.
Required balance₹2 lakh AQB in metro/urban branches or ₹1 lakh in semi-urban/rural branches under the reviewed current schedule.
Business banking benefitsFree business debit card, NEFT/RTGS, business insurance, payment protection, merchant rental-waiver conditions and larger cheque/DD/transaction allowances.
Cash / transaction allowancesFree combined cash deposit up to ₹25 lakh per month or 12× current-month AMB, whichever is higher, subject to the ₹50 crore upper cap and maintained-balance conditions.
Eligible business entitiesResident individuals, HUFs, sole proprietors, partnerships, LLPs and private/public limited companies subject to HDFC Bank documentation and approval.
Ongoing account conditionThe Ultra+ tier sits above Pro+ and below Elite+; its economics depend on whether the larger cash/transaction allowances are actually needed.
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

Medium-sized businesses with higher cash and payment volumes that can justify a six-figure balance commitment for materially larger free limits.

Verify before relying
  • The AQB and NMC are much higher than entry-level current accounts.
  • Free limits can lapse if AQB falls below 75% of the required product AQB.
  • Merchant-volume waiver requires qualifying transaction routes and volumes.
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.