ACH Debit Return Charges in HDFC refer to the charges levied by HDFC Bank when an ACH debit transaction is returned due to insufficient funds or other reasons. ACH Debit is a type of electronic transaction that allows a recipient to withdraw money immediately from a payers account. If the transaction fails due to insufficient funds or other reasons, the bank or service provider can charge a return fee, which is known as ACH Debit Return Charges. According to a Reddit post, HDFC Bank usually charges Rs. 500 + taxes for an ACH debit return charge.