An Institutional Current Account includes the following privileges: Free limit of Rs. 50 Lakhs per month for cash deposits at your home branch Free and faster collection of outstation cheques at HDFC Bank locations Free Demand Drafts and Pay Orders Free RTGS and NEFT Collections and upto 25 transactions free for NEFT/RTGS payments. Free BillPay and InstaAlerts Free Business Debit Card These features make an Institutional Current Account different from a Regular Current account.