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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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Savings Account Fees and Charges

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Schedule of charges for Savings Account variants with ₹25,000 Average Monthly Balance (AMB) & ₹10,000 Average Monthly Balance

IDFC FIRST Bank offers ZERO FEE banking on ALL variants of Savings Account, including ₹10,000 AMB variant, ₹25,000 AMB variant, and all other variants. At IDFC FIRST Bank, we don’t touch your Bank account for this reason or that. You may not realise it, but over time, these add up to a lot of savings for our customers. We have no complicated descriptions and you have no complex calculations to do to calculate the fees to be paid. Because it is just ZERO. We don’t charge you, even when you are not looking. ZERO FEE Banking is peace-of-mind Banking.

 

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 for Savings Account variants with ₹25,000 Average Monthly Balance

 

CURRENT

Effective 1st January, 2025

Average Monthly
Balance Requirement

₹25,000

₹25,000

Non Maintenance
Charges of AMB

>= 20000 to < 25000 – ₹50/-

>= 15000 to < 20000 – ₹100/-

>= 10000 to < 15000 – ₹150/-

>= 5000 to < 10000 – ₹200/-

< 5000 – ₹400/-

6% of the AMB shortfall or ₹500, 
whichever is lower

 


Average Monthly Balance requirement is Nil for Minor Under Guardian Savings Account


Non maintenance charges for Savings Account variants with ₹10,000 Average Monthly Balance

 

CURRENT

Effective 1st January, 2025

Average Monthly
Balance Requirement

₹10,000

₹10,000

Non Maintenance
Charges of AMB

>= 7500 < 10000 - ₹50 ;

>= 5000 < 7500 - ₹250 ;

< 5000 - ₹500 

6% of the AMB shortfall or ₹500, 
whichever is lower

 

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.

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