Rural Saving Account Fees & Charges

SCHEDULE OF CHARGES FOR IDFC FIRST VISHESH/VISHESH ALSA/PARAM/PARAM ALSA/SHAKTI/PRATHAM (BSBDA)

Current Schedule of Charges:

IMPS charges (outward)	FREE	NEFT charges (outward at branches)	FREE	RTGS charges (outward at branches)	FREE
ATM transaction Charges at IDFC FIRST Bank ATMs	FREE	ATM transaction Charges at Other Bank ATMs	FREE	Debit Card Issuance Charges	FREE
Debit Card Annual Charges	FREE	Debit Card Replacement /Re-issuance charges	FREE	SMS alert charges	FREE
Cheque book re-issuance charges	FREE	Cash deposit & withdrawal charges at branches (by number)	FREE	Cash deposit and withdrawal charges at branches (by value)	FREE
Third party Cash deposit and withdrawal charges at branches	FREE	Stop payment of cheque charges	FREE	Cheque Return – Deposited	FREE
Cheque Return – Issued	FREE	Demand draft/ Pay order issuance charges at branches	FREE	Demand draft/Pay order cancellation/ revalidation charges	FREE
Duplicate statement issuance charges	FREE	Duplicate Passbook issuance charges	FREE	Decline charges for insufficient balance at ATM	FREE
Doorstep banking - Cheque & Document pick up - Adhoc Request	FREE	Balance Certificate issuance charges	FREE	Interest Certificate issuance charges	FREE
Account closure charges	FREE	International ATM/ POS transaction charges	FREE	Standing instruction set up charges	FREE
Standing instruction failure charges	FREE	ECS return charges	FREE	Photo attestation charges	FREE
Signature attestation chargess	FREE	Charges for retrieval of old transactional records	FREE	Charges for any deliverable returned by courier due to negative reasons	FREE
Address confirmation charges	FREE	I-Pin Regeneration charges	FREE	Debit Card Pin Regeneration charges	FREE

NON-MAINTENANCE CHARGES

Savings Account Name	Average Monthly Balance (AMB)	CURRENT Charges for AMB non-maintenance – Monthly/b>	Effective 1st January, 2025 Charges for AMB non-maintenance – Monthly
IDFC FIRST VISHESH	₹5000	AMB >= ₹2500/- to < ₹5000/-: ₹75/- AMB < ₹2500/-: ₹200/-	6% of the AMB shortfall or ₹200, whichever is lower
IDFC FIRST SHAKTI (discontinued)	₹100	₹20/-	₹20/-
IDFC FIRST VISHESH ALSA	Nil	Nil	Nil
IDFC FIRST PARAM (discontinued)	Nil	Nil	Nil
IDFC FIRST PARAM ALSA (discontinued)	Nil	Nil	Nil
IDFC FIRST PRATHAM (BSBDA)	Nil	Nil	Nil

Disclaimer: With IDFC FIRST Bank Savings Accounts, enjoy Zero Charges on all Savings Account services. These services are being offered free in good faith, and in case of misuse of services, the Bank reserves the right to levy charges. Forex mark-up fee will be applicable on International ATM/POS/Debit card transactions. T&Cs are subject to periodic changes. All rights reserved.

Taxes at prevailing rates as per Government Rules shall be applicable over and above the mentioned charges. The charges as indicated above are subject to periodic revision.

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