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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Salary Account for Government Employees - Nation FIRST

IDFC FIRST Bank brings a unique salary account proposition for employees working in the Public sector enterprises and Central/State government departments of India.Read More

With this salary account, enjoy a host of benefits including free personal accident cover, child education grants, girl child marriage cover, air accident insurance, purchase protection, and lost card liability on your account.Read Less

Interest rates

₹1 crore free personal accident insurance cover | Free ₹1 crore Air accident cover

View All Interest Rates

Benefits

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Personal accident insurance cover

Personal Accidental Insurance cover (death or permanent disability) of up to ₹1 crore

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Air accident cover

Complimentary Air accident cover of up to ₹1 cr.

Free Personal Accident Insurance Cover

Zero Balance Savings Account

No minimum balance required in your Nation FIRST Salary Account

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Purchase protection & Lost card Liability

Purchase protection of up to ₹1 Lakh & Lost Card Liability of up to ₹8 Lakhs on your debit card

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Free & Unlimited ATM access

Free & unlimited ATM access at any IDFC FIRST Bank ATM or any other bank ATM

Monthly Interest Credit on your Savings Accounts

  • Earning Interest on Interest with IDFC FIRST Bank
  • Monthly interest credits versus the industry norm of Quaterly interest credit.
  • Free and unlimited ATM transactions at any bank anywhere in india
  • Industry best Giveaways!

 

Monthly Interest Credit on your Savings Accounts

VISA Platinum Debit card

  • Personal Accidental Insurance cover (death or permanent disability) of up to ₹1 crore: includes ₹90 Lakhs for personal accident + ₹4 Lakhs each for max 2 child education grant + ₹2 Lakhs for girl child marriage
  • Air accident cover of up to ₹1 Crore
  • Purchase protection of up to ₹1 Lakh & Lost Card Liability of up to ₹8 Lakh on your debit card
  • Lounge access across major airports

Experience a Mobile Banking revolution

Track spends, earn rewards, check your risk profile, invest in Mutual Funds in a click, experience Google-like search, cash flow analysis

ELIGIBILITY

Who Can Apply?

  • Public sector enterprises and Central/State government departments of India

Documentation

For Physical Bank Account Opening:

  • Passport-size photograph
  • If you have a PAN Card, it is mandatory to provide it while opening your account
  • Any one of the following document:

    - Aadhaar Card

    - Passport

    - Voter’s Identity Card (Election Card)

    - Permanent and valid driving license with photograph

    - Job Card issued by NREGA duly signed by an officer of the State Government

    - Letter issued by the National Population Register containing details of name and address.

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FREQUENTLY ASKED QUESTIONS

Who can open Nation FIRST Salary Account?

Nation  FIRST Salary Account can be opened by personnel serving in the Public sector enterprises and Central/State government departments of India.

What is the initial pay-in amount required to open a Nation FIRST Salary Account?

The IDFC FIRST Bank Nation FIRST Salary Account is a Zero Balance Account as long as salary is being credited in your salary account. No initial pay-in amount is required to open Nation FIRST Salary Account. However, if salary credit has been stopped due to any reason for three or more months, then you are required to maintain Average Monthly Balance (AMB) as per the account variant, otherwise applicable charges will be levied.

What happens if salary credit from employer is not received in the account for more than 3 months?

 If salary credit has been stopped due to any reason for three or more months, then you are required to maintain Average Monthly Balance (AMB) as per the account variant, otherwise applicable charges will be levied.

What benefits & features would I get on opening an IDFC FIRST Bank Nation FIRST Salary Account?

You can enjoy a superior banking experience with IDFC FIRST Bank Nation FIRST Salary Account with benefits such as:

- Attractive interest rates on your savings, so you can earn more

- Zero charges on 28 commonly used Salary Account services like IMPS, NEFT, RTGS, ATM transactions, cheque book issuance, SMS alerts, cash transactions, etc.

- Monthly Interest Credits, so you can earn 'interest on interest'

- Higher Personal Accident and Air Accident Cover with your Debit Card

- Exciting offers on food, shopping, travel, & more with your Debit Card

and much more

How does the Monthly Interest Credits feature work and how will I benefit from it?

With an IDFC FIRST Bank Nation FIRST Salary Account, experience the joy of earning Monthly Interest Credits on your Salary Account. You earn 'interest on interest' with the power of monthly compounding. I IDFC FIRST Bank is the first universal bank in India to provide this feature, against the standard practice of crediting interest on your Salary Account every quarter.

Monthly compounding interest payout is better for you than Quarterly interest payout because when you get interest credit in Month 1, the interest for Month 2 is paid on your opening balance + interest received in Month 1 and so on. So, you earn more on your savings! 

FAQ icon with a question symbol

Interest will be calculated on progressive balances in each interest rate slab, as applicable. Please note, interest rates are subject to periodic change. Can you afford to not have an IDFC FIRST Bank Nation FIRST Salary Account?

What does the Zero Charges feature mean?

With IDFC FIRST Bank Nation FIRST Salary Account you can enjoy ZERO Charges on 28 commonly used Salary Account services like IMPS, NEFT, RTGS, ATM transactions, Cash transactions, Cheque book issuance, SMS alerts and more. You can know more about services offered at Zero Charges here.

What are the documents required to open a Nation FIRST Salary Account?

To open a Nation FIRST  Salary Account, you require Aadhar Card and PAN Card along with proof of employment, which can be offer letter,  Organisation ID card, or pay slips.

What are the different ways I can add money/transfer funds to my account?

You can add funds to your Nation FIRST Salary Account by one of the following ways:

- Via any other bank’s NetBanking/Mobile app. Simply add your IDFC FIRST Bank account details – Account number and IFSC code

- Through our Mobile app by clicking on “Add funds” option which lets you add transfer money from your other bank accounts

- Depositing a cheque at any of our branches

- Depositing a cheque at any IDFC FIRST Bank ATM

- Using any UPI app using your UPI ID

What are the modes through which I can access and keep a track on transactions in my IDFC FIRST Bank Nation FIRST Salary Account?

We offer multiple methods to track your IDFC FIRST Bank Nation FIRST Salary Account. Here are a few ways you can do it:

- NetBanking

- Mobile App

- WhatsApp Banking

- Monthly Account statements sent to your registered email ID

Can I add a nominee to my Nation FIRST Salary Account? How many nominees can I add?

Yes, you can add 1 nominee to your Nation FIRST Salary Account.

How can I add a nominee to my IDFC FIRST Bank Nation FIRST Salary Account?

You can add a nominee to your Nation FIRST Salary Account in one of the following ways:

- Via NetBanking or Mobile Banking App

- By visiting your nearest IDFC FIRST Bank branch

More FAQs

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