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Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
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Apply NowParticulars | Up to Rs. | Remarks |
Processing Fees | Up to 3% of loan amount. Upfront PF / IMD to be paid at the time login and balance at the time of loan agreement execution | - |
1) Duplicate No Objection Certificate Issuance Charges 2) Document retrieval charges (per physical document) 3) EMI Pick up/ Collection Charges |
₹ 500 | 1) Request in addition to bank’s issued letter 2) Per retrieval request 3) Per Pick up /collection |
EMI Bounce charges per presentation | 7.5% of EMI bounced with minimum charge of Rs. 400 & maximum of Rs. 1000 (excluding GST) *Revised bounce charges are effective from April 1, 2025 |
For each presentation dishonoured |
Cheque/ Instrument Swap charges (per swap) | NIL | - |
1) Copies of documents 2) List of Documents 3) Repayment Schedule 4) Statement of Account |
Soft copy - NIL Physical copy ₹ 500 |
1) Per request for copies 2) Per request of list of documents 3) Per physical repayment schedule request 4) Per physical Statement of Account request |
1) Stamp Duty & other statutory charges 2) Equitable mortgage creation charges 3) Equitable mortgage cancellation charges |
As applicable for each state | - |
MCLR to EBR type |
NIL | - |
Cancellation & Rebooking Charges | 1% of the loan amount + interest from date of disbursal till receipt of cancellation request | Cancellation request to be received within 30 days or 1st EMI presentation date, post which cancellation will be treated as foreclosure |
Switch Fees (For rate repricing) | Upto 2% | Re-pricing Fee will be charged on loan outstanding. At the request of the borrower, bank at its sole discretion may permit the borrower for repricing of the loan |
Switch Fee (For interest type) | • Switching from Floating Rate of interest to Fixed rate of interest: 0.1% of principle outstanding amount or Rs.10,000/- whichever is lower, excluding applicable taxes. • Switching from Fixed Rate of interest to Floating Rate of interest will attract a fee of upto 2% of the principle outstanding amount. • Switching from higher Fixed Rate of interest to lower Fixed Rate of interest will attract a fee of upto 1 % of the principle outstanding amount. Note: Interest rate type can be switched two times during the entire tenure of the loan. Once interest rate is switched from floating rate to fixed rate, it will not be allowed to switch back to floating rate for minimum three years from the date of switch. |
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Penal Charges for Delay of Payment (Non payment of EMI/ installment/ amount payable). Penal charges will be levied to customer post expiry of grace period of 7 days | 2% per month (Exclusive of GST) of the unpaid EMI or Rs 300 (Exclusive of GST) whichever is higher. Applicable taxes shall be levied upon above penal charges. | - |
Incidental charges & Expenses | Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. Charged on actuals | - |
Foreclosure / Prepayment / Part Payment charges | For loans having floating rate of interest : i. Foreclosure / Prepayment/ Part Payment charge: NIL For loans having fixed rate of interest for entire tenure: i. Foreclosure / Prepayment/ Part Payment charge: Upto 2% of the principle outstanding amount, excluding applicable charges/taxes. For loans having hybrid rate of interest: i. If Foreclosure/ Prepayment/ Part Payment is done during floating rate: NIL ii. If Foreclosure/ Prepayment/ Part Payment is done during fixed rate: Upto 2% of the principle outstanding amount, excluding applicable charges/taxes |
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Reset Frequency | Loans booked from 1st October 2019 onwards which are linked with EBR (External Benchmark Rate) would be reset every 3 months. | |
Insurance | Specialized insurance products funded with Home Loans | |
Initial Money Deposit/ Application Fees (Non-refundable) | Upto 5000 IMD/Application Fees is part of Processing fees | - |
All loans disbursed on or before 30th September 2019 would continue to be linked with MCLR.
Product | External Benchmark (a) |
Fixed Spread over External Benchmark (b) |
Housing Loan | Repo | 2% |
GST, as applicable, will be levied on all service charges. The above Schedule of Charges is subject to be revised from time to time by the Bank, as will be updated on the official website of the Bank.
Short & Sweet Home Loan Fees & Charges
Particulars | Up to Rs. |
Cash Deposit Free Limit | 1 lac |
Cash deposit -Charge above free limit | ₹3 per 1000 |
DD payable at Correspondent Bank locations | ₹30 per DD |
Cheque Return | Cheque deposited – ₹50 per cheque Cheque issued – ₹250 per cheque |
Annual charges | Free |
ATM transactions IDFC Bank Ltd. ATMS | Free |
ATM transactions Non IDFC ATMS (Cash Withdrawal, Balance Enquiry) | 5 Txn per month Free, above 5 txn, Balance Enquiry ₹8 per Txn, Withdrawal ₹20 per Txn |
Reissuance (lost or damaged) | Free |
Cross Country Mark Up for International transactions (POS/ATM) | 2% |
Pin Regeneration | Free |
Particulars | Up to Rs. |
Intra-Bank Fund Transfer - Branch | Free |
Intra-Bank Fund Transfer -Internet Banking | Free |
RTGS Payment - Branch | Free |
RTGS Payment - Internet Banking | Free |
NEFT Payment - Branch | Free |
NEFT Payment - Internet Banking | Free |
NACH Payment | Free |
IMPS | Free |
Payable At Par Cheque Issuance | Free |
DD payable at IDFC BANK locations | Free |
DD - Duplicate Issuance | Free |
DD Cancellation/ revalidation | Free |
Account Statement Physical ( Branch/ Channel) | Free |
Payable at Par Cheque Book | Free |
Account Closure | Free |
SMS/ E mail Alerts | Free |
Phone Banking | Free |
Net Banking | Free |
Mobile Banking | Free |
Standing Instruction- Set Up/Execution/Amendment | Free |
Bill Payment- Net Banking | Free |
Bankers Verification (Photo/ Signature/ Address) | Free |
Balance Confirmation Certificate | Free |
Record Retreival | Free |
Interest/ TDS Certificate | Free |
Stop Payment per Instruction | Free |
Balance Enquiry (Branch/ Channels) | Free |