Basic Savings Bank Deposit Account Fees & Charges

Details

Minimum Balance Zero  
Charges for non-maintenance-Quarterly(Rs) Not Applicable  
Account Opening Amount Nil. After Account Opening, account has to be funded.  

Cash Transaction

Cash Deposit-Home/Non Home Branch (Monthly) Home Branch:
Number Cap: Free un-limited.
Value Cap: Free unlimited,
  Non-Home Branch :
Number Cap: Free un-limited.
Value Cap: Free Unlimited
Cash Deposit (above free limit) Free
Cash Withdrawal-Home/Non Home Branch Up to 4 times/month-Free
Cash Withdrawal beyond free limit ₹ 2/- per ₹ 1,000/-. Min ₹ 50/-

Payment Service

Intrabank-Fund Transfer-Branch Free
Intra-Bank Fund Transfer -Internet Banking Free
RTGS Payment - Branch/Internet Banking Free (w.e.f. 1st July, 2019)
NEFT Payment - Branch/Internet Banking Free (w.e.f. 1st July, 2019)
IMPS-outgoing Free
DD/PO payable at IDFC FIRST Bank locations

1 DD/PO per month-free. Thereafter, charges as under:

DD/PO value of up to ₹ 10,000/-: ₹ 50/- per DD/PO;

Above ₹ 10,000/-: ₹ 3/- per ₹ 1,000/- of DD/PO, subject to minimum of ₹ 75/- and maximum of ₹ 10,000/- per DD/PO

DD/PO- Duplicate Issuance/cancellation/revalidation Free
DD/PO payable at Correspondent bank locations

DD/PO value of up to ₹ 1 Lakh: ₹ 50/-

Above ₹ 1 Lakh: ₹ 100/-

Cheque Drawn on us/deposited/ECS-bounce charge

Cheque Deposited-Outward clearing ₹ 50/- per instrument
Due to technical reasons Nil.(Except signature mismatch. In case of signature mismatch same charges will be levied)
Cheque Issued-Inward Clearing (Drawn on us) ₹ 225/- per instrument
SI return Charges ₹ 50/- per instrument
ECS Debit Return charges ₹ 50/- per instrument

Collection Services

Intra-Bank Fund Transfer Collection Nil through branch channel
RTGS Collection Free
NEFT Collection Free
ECS Collection - Transaction Free
ECS Collection - Mandate (New / Modify / Cancel/Stop)₹ ₹ 50/- per instance
Cheque collection-local clearing Free
Outstation cheque collection-IDFC FIRST Bank Location Upto ₹5,000/-: ₹25/-
Above ₹5,000/- up to ₹10,000/-: ₹50/-
Above ₹10,000/- up to ₹.1.00 lac: ₹110/-
Above ₹1.00 lacs up to ₹5.00 lac: ₹225/
Above ₹5.00 lacs up to ₹10.00 lac: ₹250/-
Above ₹10.00 lacs: ₹280/-(Max)
Outstation cheque collection-Non IDFC FIRST Bank Location Upto ₹5,000/-: ₹25/-
Above ₹5,000/- up to ₹10,000/-: ₹.50/-
Above ₹10,000/- up to ₹1.00 lac: ₹110/-
Above ₹1.00 lacs up to ₹5.00 lac: ₹225/-
Above ₹5.00 lacs up to ₹10.00 lac: ₹250/-
Above ₹10.00 lacs: ₹280/-(Max)
Outstation cheque collection at correspondent bank location and other location: Non MICR cheque/Non CTS cheque Upto ₹5,000/-: ₹25/-
Above ₹5,000/- up to ₹10,000/-: ₹50/-
Above ₹10,000/- up to ₹1.00 lac: ₹.110/-
Above ₹1.00 lacs up to ₹5.00 lac: ₹225/-
Above ₹5.00 lacs up to ₹10.00 lac: ₹250/-
Above ₹10.00 lacs: ₹280/-(Max)

Debit Card & ATM charges

Issuance charge Nil
Annual Debit card fees Nil
ATM transaction-IDFC FIRST Bank ATMs Financial Transactions: 5 Free per month,
6th onwards ₹20 + taxes
Non Financial Transactions: Free & Unlimited
ATM transaction-Non IDFC FIRST Bank ATMs Financial & Non-Financial Transactions: 5 Free per month,
6th onwards ₹20 + taxes for Financial transaction and
₹8 + taxes for Non-Financial transaction
Charges for Add on ATM card ₹ 150/- per card
Renewal Fees for ATM card Nil
Re-issuance of card (Lost or damaged) ₹ 200/- per card
Card Replacement Fees ₹150/- + taxes
Pin Regeneration (Green Pin)

Nil

Through Branch: ₹ 50/- per request

Daily ATM Limit (withdrawal) ₹25000/-
Daily Merchant Establishment point of sale limit/E commerce (spending/purchase) ₹100000/-

Cheque Book Issuance

Cheque Book Facility On request. ₹2/- per leaf. Min 10 cheque leaves.( Per book)
Cheque Book beyond Free Limit Not Applicable

Miscellaneous Charges

Account Statement Physical (Branch/ Channel) Free by Email-Monthly
Issue of Duplicate/Adhoc statement (Branch/Channel) ₹  50/- per instance
Issue of passbook facility Nil
Duplicate Passbook ₹  100/- per passbook. For Previous entries: ₹  20/- per page
Account Closure Free
SMS/ E mail Alerts SMS – ₹15 + taxes per quarter
Standing Instruction: Set Up/Execution/Amendment Free
Bill Payment: Net Banking Free
Bankers Verification (Photo/ Signature/ Address)

Attestation: ₹ 100/- per instance

Address confirmation: ₹ 50/- per instance

Balance Confirmation Certificate Free
Record Retrieval ₹100/- per instance
Copy of paid cheque: Nil
Interest/ TDS Certificate

One copy free per Financial Year

₹ 50/- per certificate for more than one copy in one Financial Year

Stop Payment per Instruction (Particular cheque/Range of cheque) ₹50/- per cheque
₹100/- for range of cheque
Balance Enquiry (Branch/ Channels) Free
Activation of dormant/inoperative account Free

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