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Current Account

Strengthen and grow your business with IDFC FIRST Bank current account

Making the right decisions is imperative to ensure your business grows. IDFC FIRST Bank offers one of the best current account for business in India. Thus, a step towards growth for your business. Read More

Once you open your account with us, you gain access to multiple features and benefits offered by IDFC FIRST Bank. You will have single-view Internet & Mobile Banking Platform, Trade Forex Solutions, GPS-enabled doorstep banking, payment and receivable solutions, and much more, all at your behest. We are also transparent about our current account fees & charges. No surprises, no shocks. Secure your business growth with your own IDFC FIRST Bank current account.Read Less

Benefits

Fund Based And Non-Fund Based Facility

Dynamic
Current Account
for Professionals

Take your business further with:

  • Cash deposit limits at 10X the AMB
  • Free 250 cheque leaves per month
  • Free 8 DD issuance
  • Free NEFT, RTGS, MIPS payments and collections
  • Nil AMB requirement*
  • Eligibility - For Doctors, Lawyers, Architects, CA/CS/CMS basis valid membership certificate/licence
100K World Business Account

100K
Current Account

Make the most of the amazing perks that come with this category, like:

  • Free cash deposit limit: ₹12 lakhs per month
  • Free Visa Signature Card
  • Free 300 cheque leaves per month
  • Free DD issuance
  • Free 25 ATM transactions per month
  • ₹1 lakh AMB requirement
50K World Business Account by IDFC FIRST Bank

50K
Current Account

Pick this as your account type to avail great benefits such as:

  • Free cash deposit limit: ₹6 lakhs per month
  • Visa Signature Card
  • Free 200 cheque leaves per month
  • Free DD issuance
  • Free 15 ATM transactions per month
  • ₹50K AMB requirement
25K World Business Account

25K
Current Account

Enjoy a host of benefits with this account, like:

  • Free cash deposit limit: ₹3 lakhs per month
  • Free 50 cheque leaves per month
  • Free 10 ATM transactions per month
  • Visa Platinum Card
  • Free DD issuance
  • ₹25K AMB requirement
10K Current Account

10K
Current Account

Choose this account and start strong with benefits like:

  • Free cash deposit limit: ₹2 lakhs per month
  • Visa Platinum Card
  • Free 25 cheque leaves per month
  • Free DD issuance at Bank branch Locations
  • Free 5 ATM transactions per month
  • ₹10K AMB requirement

IDFC FIRST Bank Enterprise Current Account

Ideal for your small business

  • Free Cash Deposit services
    Free cash deposit limit: ₹10 lakh per month (Home Branch)
  • Rupay Classic Debit Card
    Rupay Classic Debit Card
  • Free Unlimited Cheque Leaves
    Free unlimited cheque leaves
  • Free 15ATM Transaction
    Free 15 ATM transactions p.m. at IDFC FIRST Bank ATM
  • 10K Aqb Average Quarterly Balance
    ₹10K AQB (Average Quarterly Balance) requirement
IDFC FIRST Bank Enterprise Current Account

Eligibility

Who can apply?

Anybody who meets any of the following requirements can apply:

  • Resident individual
  • Hindu Undivided Family (H.U.F.)
  • Sole proprietorship
  • Partnership
  • Limited Company/Limited Liability Partnership

Documentation

Sole proprietorship

  • 2 documents in the name of Entity
  • Address proof in the name of entity
  • Proprietor Document – (Photo, PAN copy and 1 OVD document copy)
  • Nature of Industry proof (In case not indicative in Entity documents, please check for Invoice Copy, Bill of Entry, Freight Invoice, Agreement Copy)

Partnership

  • Partnership Deeds
  • Partnership Firm Declaration
  • Entity PAN card copy
  • Address Proof in the name of the Entity
  • OVD copy of the Partners / Authorised Signatories / Beneficial Owners (Including Latest Photograph and PAN card copy)

Read More

Current account eligibility

FEES & CHARGES

Find out about our minimal and transparent fees & charges

View Fees & Charges

fees and charges

FREQUENTLY ASKED QUESTIONS

What is the initial pay-in amount required for opening your IDFC FIRST Bank Current Account?

In order to open current account in India, the initial pay-in amount is detailed in the table below:

Name of Product Minimum Initial Funding requirement
Current Account - 1 lakh ₹1 lakh
Current Account - 50K ₹50K
Current Account - 25K ₹25K
Current Account -10K ₹10K
World Business Account  - 1L ₹1 lakh
World Business Account  - 50K ₹50K
World Business Account  - 25K ₹25K
Customisable CA-50K ₹50K

What is the minimum account balance required to be maintained monthly in the IDFC FIRST Bank current account?

Once you open current account in India, in order to retain the features of current account you must maintain the minimum account balance as mentioned in the table below:

Name of Product Minimum Initial Funding requirement
Current Account - 1 lakh ₹1 lakh
Current Account - 50K ₹50K
Current Account - 25K ₹25K
Current Account -10K ₹10K
World Business Account  - 1L ₹1 lakh
World Business Account  - 50K ₹50K
World Business Account  - 25K ₹25K
Customisable CA-50K ₹50K

What is AMB and how is it calculated for IDFC FIRST Bank Current Account?

AMB or Average Monthly Balance of your current account is the average of day-end balance in the account for all the days in a month. An illustration of the same is as below:

Transaction

Date

Debit Amount

Credit Amount

Balance at the end of day

1

01-May-15

-

1,00,000

1,00,000

2

10-May-15

20,000

-

80,000

3

20-May-15

20,000

1,00,000

1,60,000

4

31-May-15

-

40,000

2,00,000

AMB

-

-

-

1,18,064

What are the modes through which one can track the IDFC FIRST Bank Current Account?

You can track your IDFC FIRST Bank Current Account through the following modes:

·         View and transact through Internet Banking & Mobile Banking

·         24x7 Banker on Call

·         Monthly email statements sent to the registered email id

·         Alerts through email and SMS

What are the digital payment solutions available for Current Account?

Below are some of the digital payment and receivable solutions through which you can gain edge in the competitive market

·         Free NEFT/RTGS/IMPS

·         Debit Cards

·         Net Banking & E-com Transactions

·         Free bulk upload facility on net banking

·         Payment Gateways

·         Virtual Accounts

·         UPI – QR

·         Point of Sales

·         API integration

·         NACH/e-NACH

 

What are the trade solutions available for the Current Account customer?

Below are the trade solutions to facilitate your international business requirements:

·         Letter of Credit

·         Bank Guarantee

·         Import Finance

·         Inward Remittance

·         Outward Remittance

·         Hedging and Currency Protection

·         Foreign Currency Cash

More FAQs

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