ACH Debit Return Charges in HDFC Bank refer to the fees charged by the bank when an Automated Clearing House (ACH) debit transaction is returned due to insufficient funds or any other reason. ACH Debit is an electronic transaction that allows a recipient to withdraw money immediately from a payers account. If the transaction is unsuccessful, the bank or service provider can charge a return fee, which is known as ACH Debit Return Charges.

According to HDFC Banks website, the charges for ACH (Debit) Return are as follows:

• First return in a month: Rs. 450 (Sr Citizen - Rs. 400)
• Second return in a month: Rs. 500 (Sr Citizen - Rs. 450)
• Third onwards: Rs. 550 (Sr Citizen - Rs. 500)

It is important to note that the payer is usually responsible for bearing the ACH Debit Return Charges in India. If you have been charged ACH Debit Return Charges by HDFC Bank and believe that you are eligible for a refund, you can reach out to your Relationship Manager or Branch Manager. However, there is no guarantee that you will receive a refund.