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this is bank policy from starting if salary is not credited for continous 3 months the account will be converted to regualr saving and u have to maintain maintain monthly balance of rs-5000, u can request to bank for revrsing the same amount as u are not aware of the rules and in future u will maintain the same mail id: [protected]@hdfcbank.com, or there is no tax or viceversa these are the service charges, if still not resolved u can approch second level of grievance
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