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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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Basic Savings Bank Deposit Account Fees & Charges

Details

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

Cash Transaction

Cash Deposit-Home/Non Home Branch (Monthly) Free  
Cash Deposit (above free limit) Free  
Cash Withdrawal-Home/Non Home Branch Free  
Cash Withdrawal beyond free limit Nil. After Account Opening, account has to be funded.
  

Payment Service

Intrabank-Fund Transfer-Branch Free
Intra-Bank Fund Transfer -Internet Banking Free
RTGS Payment - Branch/Internet Banking Free
NEFT Payment - Branch/Internet Banking Free
IMPS-outgoing Free
DD/PO payable at IDFC FIRST Bank locations Free
DD/PO- Duplicate Issuance/cancellation/revalidation Free
DD/PO payable at Correspondent bank locations Free

Cheque Drawn on us/deposited/ECS-bounce charge

Cheque Deposited-Outward clearing Free
Due to technical reasons Free
Cheque Issued-Inward Clearing (Drawn on us) Free
SI return Charges Free
ECS Debit Return charges Free

Collection Services

Intra-Bank Fund Transfer Collection Free
RTGS Collection Free
NEFT Collection Free
ECS Collection - Transaction Free
ECS Collection - Mandate (New / Modify / Cancel/Stop) Free
Cheque collection-local clearing Free
Outstation cheque collection-IDFC FIRST Bank Location Free
Outstation cheque collection-Non IDFC FIRST Bank Location Free
Outstation cheque collection at correspondent bank location and other location: Non MICR cheque/Non CTS cheque Free

Debit Card & ATM charges

Issuance charge Free
Annual Debit card fees Free
FIRSTAP Debit Card (if applied for) Issuance Charge:Rs. 99,
Reissuance Charge: Rs.99
ATM transaction-IDFC FIRST Bank ATMs Free
ATM transaction-Non IDFC FIRST Bank ATMs Free
Charges for Add on ATM card Free
Renewal Fees for ATM card Free
Re-issuance of card (Lost or damaged) Free
Card Replacement Fees Free
Pin Regeneration (Green Pin) Free

Cheque Book Issuance

Cheque Book Facility Free
Cheque Book beyond Free Limit Free

Miscellaneous Charges

Account Statement Physical (Branch/ Channel) Free
Issue of Duplicate/Adhoc statement (Branch/Channel) Free
Issue of passbook facility Free
Duplicate Passbook Free
Account Closure Free
SMS/ E mail Alerts Free
Standing Instruction: Set Up/Execution/Amendment Free
Bill Payment: Net Banking Free
Bankers Verification (Photo/ Signature/ Address) Free
Balance Confirmation Certificate Free
Record Retrieval Free
Interest/ TDS Certificate Free
Stop Payment per Instruction (Particular cheque/Range of cheque) Free
Balance Enquiry (Branch/ Channels) Free
Activation of dormant/inoperative account Free

Above schedule of charges is applicable w.e.f 1st September 2023.

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