HDFC Demand Draft - Form, Charges, Validity & How to Make Demand Draft in HDFC Bank?

An HDFC Bank Demand Draft (DD) is a secure, prepaid payment instrument issued by HDFC Bank to ensure guaranteed payments. A demand draft (DD) is commonly used for high-value or sensitive transactions. Unlike cheques, demand drafts cannot bounce because the payment is made in advance. You can request an HDFC DD online via net-banking or offline by visiting a branch. Charges start at ₹50 and vary based on the amount and method of issue. The draft is valid for 3 months and can be cancelled or revalidated if unused. 

HDFC Bank Demand Draft

HDFC demand drafts (DDs) offer a secure and reliable mode of payment. HDFC demand draft requests are processed within the next working day of the bank, with delivery to your mailing or beneficiary address within 3–5 working days. 

HDFC demand drafts are delivered only within India. Requests for unavailable locations or overseas addresses are cancelled, and the amount is refunded without deductions. Returned DDs are cancelled, with the amount credited back (charges may apply). DDs undelivered to mailing addresses are sent to your nearest HDFC branch.

HDFC Demand Draft Charges 2025

Here is the table summarising the charges for HDFC bank demand drafts (DD) and Manager’s Cheques (MC):

Customers can issue multiple DDs (e.g., ₹1 Lakh each) up to ₹10 Lakhs and send them to the beneficiary.

HDFC Bank Demand Draft Form PDF Download

The HDFC demand draft form be downloaded online directly from their official website. You must submit this form filled with the correct details at the branch.

HDFC Bank Demand Draft Validity Period

An HDFC demand draft is valid for three months from the date of issuance. After three months, the draft becomes invalid, and the funds are not automatically refunded. If you want to revalidate your demand draft, follow this process:  

• Visit the issuing HDFC Bank branch.
• Submit a revalidation request (only the account holder can request revalidation, not the payee or others).
• The bank will verify the records and extend the validity for another three months. 

HDFC Bank Demand Draft Limit

Customers registered for third-party transfers have a maximum limit of ₹10 lakhs per customer ID. Multiple demand drafts (e.g., ₹1 lakh each) can be issued and sent to the beneficiary’s address within this limit.

How to Generate HDFC Bank Demand Draft?

You can generate a demand draft through HDFC using online or offline methods. Below are the detailed steps for each process:

HDFC Online Demand Draft

Follow the below-mentioned procedure to issue an HDFC demand draft online:

• Ensure your account is enabled for internet banking.
• Login and verify your account balance.
• Navigate to ‘Pay’> ‘Payment Solutions’> ‘Cash, Cheque, Demand Draft’.
• Select ‘Get New Demand Draft’ and fill in the required details: Amount, beneficiary name, location, and your digital signature.
• Submit this form, and your account will be debited for the amount and applicable fees.
• Choose to pick up the DD at a branch or deliver it to your address.
• Review all details and confirm your transaction. The bank will process and issue your demand draft accordingly.

HDFC Offline Demand Draft

For issuing a demand draft in HDFC Bank offline, you need Cash or cheque (for the DD amount) and an HDFC DD Form (available at the branch or online). Following is the offline process to generate HDFC Bank demand draft:

• Visit your HDFC Bank branch.
• Fill out the form with details like payment mode, beneficiary name, amount, location, and account number.
• Submit the completed form to the bank official.
• The bank will verify all this information and issue your demand draft.

How to Fill HDFC Bank Demand Draft Form?

To fill out the HDFC Bank Demand Draft Application Form, follow these steps:

• Enter the beneficiary’s name (the person or entity in whose favour the demand draft is to be issued).
• Specify the city or branch where the demand draft can be cashed.
• Mention the exact amount for which the demand draft is to be issued.
• Include the applicable service charges as per HDFC Bank’s guidelines.
• Fill in the name of the applicant (the person requesting the demand draft).
• Provide the signature of the depositor (the person making the payment). The depositor can be someone other than the applicant.

HDFC Demand Draft Sample

Here is a sample of HDFC demand draft request form for your understanding: 

How to Cancel the Demand Draft of HDFC Bank?

An HDFC demand draft cannot be cancelled online and requires an in-person visit to an HDFC branch. Once a demand draft is issued, the amount is immediately debited from your account. However, if the draft has not been presented for payment, you can request a cancellation and refund by submitting the original draft along with a cancellation application at the branch.

If the payment was made in cash, the refund (minus a cancellation charge) will be provided in cash. If you pay through a cheque, they will credit the amount back to your bank account.

HDFC Demand Draft Cancellation Application 

The process is straightforward if you need to cancel a previously issued demand draft. Write a formal letter requesting cancellation of the demand draft. Submit it to the issuing bank branch with the original demand draft and payment receipt.

HDFC Demand Draft Cancellation Charges

The HDFC demand draft cancellation charges vary based on the draft amount.

How to Prevent HDFC Bank Demand Draft Fraud?

Demand draft fraud can cause significant inconvenience and financial loss if not handled carefully. Learn how to safeguard yourself by verifying and securing your transactions effectively:

• Record Drawer’s Details: Always note the complete details of the person who purchased the demand draft (the drawer), including their name and contact information for future reference.
• Keep a Copy: Retain a photocopy of the demand draft with all essential details, such as the amount, beneficiary’s name, and reference number, to avoid any disputes.
• Report Suspicious Activity: If you notice any discrepancies or unusual activity related to your demand draft, report it to HDFC Bank immediately to prevent potential fraud.
• Proper Stamping of Cheques: Ensure that cheque forms used for demand draft issuance are properly stamped while keeping critical details like the date, payee’s name, amount, and signature protected.
• Ensure Clear Scanning: When submitting a demand draft for processing, make sure all details are clearly visible during scanning to help detect and prevent fraudulent modifications.

Difference between HDFC Bank Demand Draft and Cheque

Here is a detailed table of differences between HDFC Bank demand drafts and cheques:

Paying through an HDFC demand draft is a straightforward and convenient process. With HDFC Bank, you can issue a demand draft effortlessly using internet banking from the comfort of your home or by visiting your nearest branch to complete the offline procedure.

Related Articles:
1. SBI Demand Draft
2. How Long is a Bank DD Valid in India?
3. Difference Between Cheque and Demand Draft
4. HDFC Bank DD Charges and Cancellation Fees
5. ICICI Bank DD Charges and Cancellation Fees