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Home Loans, now at 6.90% p.a.
Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans
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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 |
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| Cash Deposit (above free limit) | Free |
| Cash Withdrawal-Home/Non Home Branch | Up to 4 times/month-Free |
| Cash Withdrawal beyond free limit | Rs 2 per 1000. Min Rs 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/month-free. Thereafter, charges as under Rs.50/- per D.D. up to Rs.10,000/-; Rs.3/- per thousand rupees or for DD of more than Rs.10,000/-, subject to a minimum of Rs.75/- and maximum of Rs. 10,000/- |
| DD/PO- Duplicate Issuance/cancellation/revalidation | Free |
| DD/PO payable at Correspondent bank locations | Up to Rs. 1 Lakh: Rs. 50+ taxes Above Rs. 1 Lakh: Rs. 100+taxes |
Cheque Drawn on us/deposited/ECS-bounce charge
| Cheque Deposited-Outward clearing | Rs 50/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) | Rs 225 |
| SI return Charges | Rs 50/Instrument |
| ECS Debit Return charges | Rs 50/transaction |
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) | Rs 50/instance |
| Cheque collection-local clearing | Free |
| Outstation cheque collection-IDFC FIRST Bank Location | Upto Rs.5,000/-: Rs.25/- Above Rs.5,000/- up to Rs.10,000/-: Rs.50/- Above Rs.10,000/- up to Rs.1.00 lac: Rs.110/- Above Rs.1.00 lacs up to Rs.5.00 lac: Rs.225/ Above Rs.5.00 lacs up to Rs.10.00 lac: Rs.250/- Above Rs.10.00 lacs: Rs.280/-(Max) |
| Outstation cheque collection-Non IDFC FIRST Bank Location | Upto Rs.5,000/-: Rs.25/- Above Rs.5,000/- up to Rs.10,000/-: Rs.50/- Above Rs.10,000/- up to Rs.1.00 lac: Rs.110/- Above Rs.1.00 lacs up to Rs.5.00 lac: Rs.225/- Above Rs.5.00 lacs up to Rs.10.00 lac: Rs.250/- Above Rs.10.00 lacs: Rs.280/-(Max) |
| Outstation cheque collection at correspondent bank location and other location: Non MICR cheque/Non CTS cheque | Upto Rs.5,000/-: Rs.25/- Above Rs.5,000/- up to Rs.10,000/-: Rs.50/- Above Rs.10,000/- up to Rs.1.00 lac: Rs.110/- Above Rs.1.00 lacs up to Rs.5.00 lac: Rs.225/- Above Rs.5.00 lacs up to Rs.10.00 lac: Rs.250/- Above Rs.10.00 lacs: Rs.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 Rs. 20 + taxes Non Financial Transactions: Free & Unlimited |
| ATM transaction-Non IDFC FIRST Bank ATMs | Financial & Non-Financial Transactions: 5 Free per month, 6th onwards Rs 20 + taxes for Financial transaction and Rs 8 + taxes for Non-Financial transaction |
| Charges for Add on ATM card | Rs. 150/- + taxes |
| Renewal Fees for ATM card | Nil |
| Re-issuance of card (Lost or damaged) | Rs. 200/- + taxes |
| Card Replacement Fees | Rs. 150/- + taxes |
| Pin Regeneration (Green Pin) | Nil Through Branch: Rs. 50/- + taxes |
| Daily ATM Limit (withdrawal) | Rs. 25000/- |
| Daily Merchant Establishment point of sale limit/E commerce (spending/purchase) | Rs. 100000/- |
Cheque Book Issuance
| Cheque Book Facility | On request. Rs. 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) | Rs. 50/- per instance |
| Issue of passbook facility | Nil |
| Duplicate Passbook | Rs. 100/- per passbook. For Previous entries: Rs. 20/- per page |
| Account Closure | Free |
| SMS/ E mail Alerts | SMS – Rs. 15 + taxes per quarter |
| Standing Instruction: Set Up/Execution/Amendment | Free |
| Bill Payment: Net Banking | Free |
| Bankers Verification (Photo/ Signature/ Address) | Attestation: Rs. 100/- Address confirmation: Rs. 50/- per instance |
| Balance Confirmation Certificate | Free |
| Record Retrieval | Rs. 100/- per instance Copy of paid cheque: Nil |
| Interest/ TDS Certificate | One copy free/year Rs. 50/- per certificate for more than one copy in one F.Y. |
| Stop Payment per Instruction (Particular cheque/Range of cheque) | Rs. 50/- per cheque Rs. 100/- for range of cheque |
| Balance Enquiry (Branch/ Channels) | Free |
| Activation of dormant/inoperative account | Free |
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