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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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Rural Current Account Fees & Charges

Details

  Product IDFC FIRST - Business(Discontinued) IDFC FIRST - Enterprise (Discontinued)
  Average Quarterly Balance (AQB) Rs. 3,000 Rs. 10,000
  Charges for non-maintenance of average quarterly balance (Quarterly) Rs. 200 Rs. 300
  AQB Method Average of the closing credit balance in the account at the end of each day during the 90 days.
  Account Opening Amount Rs. 3,000 Rs. 10,000

Cash Transaction

Product IDFC FIRST - Business(Discontinued) IDFC FIRST - Enterprise (Discontinued)
Free Cash Deposit-Home Branch (Monthly) Rs 1 Lakh(Monthly Free) Rs 10 Lakh(Monthly Free)
Cash Deposit (Non Home Branch) - Free Rs 1 Lakh (Monthly Free) Rs 10 Lakh (Monthly Free)
Cash Deposit (above free limit) Rs3/1000. Min Rs 50/transaction Rs3/1000. Min Rs 50/transaction
Cash Withdrawal-Home Branch Free at Home Branches Free at Home Branches
Cash Withdrawal-Non Home Branch Free up to Rs 1 Lakh/Month Up to Rs 5 Lakh
Cash Withdrawal beyond free limit Rs3/1000. Min Rs 50/transaction Rs3/1000. Min Rs 50/transaction

Payment Service

Product IDFC FIRST - Business(Discontinued) IDFC FIRST - Enterprise (Discontinued)
Intrabank-Fund Transfer-Branch Free Free
Intra-Bank Fund Transfer -Internet Banking Free Free
RTGS Payment - Branch/Internet Banking Free Free
NEFT Payment - Branch/Internet Banking Free Free
IMPS-outgoing Up to Rs 1 Lakh-Rs 5. Above Rs 1 Lakh to Rs 2 Lakh-Rs 15 Free
DD payable at IDFC FIRST BANK locations Free Free
DD - Duplicate Issuance Rs 30/Instrument Free
DD Cancellation/ revalidation Rs 30/Instrument Free
Pay Orders(PO)-On Bank Location issued from any branch/Duplicate PO Free Free
DD payable at Correspondent bank locations Rs 30/Instrument Free

Cheque Drawn on us/deposited/ECS-bounce charge

Product IDFC FIRST - Business(Discontinued) IDFC FIRST - Enterprise (Discontinued)
Cheque Deposited-Outward clearing Rs 50 Rs 50
Due to technical reasons Nil.(Except signature mismatch. In case of signature mismatch same charges will be levied) Nil.(Except signature mismatch. In case of signature mismatch same charges will be levied)
Cheque Issued-Inward Clearing Rs 250 Rs 250
ECS Debit Return charges Rs 250 Rs 250

Collection Services

Product IDFC FIRST - Business(Discontinued) IDFC FIRST - Enterprise (Discontinued)
Intra-Bank Fund Transfer Collection Free Free
RTGS Collection Free Free
NEFT Collection Free Free
ECS Collection - Transaction Free Free
ECS Collection - Mandate (New / Modify / Cancel) Free Free
Cheque collection-local clearing Free Free
Outstation cheque collection- IDFC FIRST Bank Location Free Free
Outstation cheque collection-Non IDFC FIRST Bank Location Rs 50/Instrument Free
Outstation cheque collection at correspondent bank location and other location: Non MICR cheque/Non CTS cheque Rs 50/Instrument Free

Debit Card & ATM charges

Product IDFC FIRST - Business(Discontinued) IDFC FIRST - Enterprise (Discontinued)
Anual Fees Rs. 150 Rs. 150
ATM transactions - IDFC FIRST Bank Locations (Financial/Non Financial transactions) First 5 transactions/Monthly - Free Non financial transactions: Free at IDFC FIRST BANK ATM First 15 transactions/Monthly - Free Non financial transactions: Free at IDFC FIRST BANK ATM
ATM transactions - Non IDFC FIRST Bank Locations (Financial/Non Financial transactions) First 5 transactions/Monthly -Free First 5 transactions/Monthly -Free
ATM transaction charges beyond free limit Rs. 20/- +GST for financial transaction and Rs.8/- +GST for non financial transaction
Re-issuance of card (Lost or Damaged) Free Free
Add on card Free Free
Pin Regeneration (Any Channel) Free Free
Daily ATM LImit(Withdrawal) Rs 50000/- Rs 75000/-
Daily Merchant Establishment point of sale limit(Spending/Purchase) Rs 1 Lakh Rs 2 Lakh

Cheque Book Issuance

Product IDFC FIRST - Business(Discontinued) IDFC FIRST - Enterprise (Discontinued)
Cheque Book Facility(Payable at Par)-Free First 50 Leaves-Free(Quarterly) Free
Cheque Book beyond Free Limit Rs 100 for every additional 50 cheque leaves. (Rs 2/cheque leaves) NA

Miscellaneous Charges

Product IDFC FIRST - Business(Discontinued) IDFC FIRST - Enterprise (Discontinued)
Account Statement Physical (Branch/Channel) Free-Monthly by e-mail.Physical: Free/Quarter Free-Monthly(All channels)
Issue of Duplicate/Adhoc statement (Branch/Channel) Rs 100 Free
Account Closure Free Free
SMS/ E mail Alerts Free Free
Phone Banking Free Free
Net Banking Free Free
Mobile Banking Free Free
Standing Instruction- Set Up/Execution/Amendment Rs 100/Instance Free
Bill Payment- Net Banking Free Free
Bankers Verification (Photo/ Signature/ Address)* Rs 100 per record Free
Balance Confirmation Certificate Rs 50 Free
Record Retrieval Rs 100 Free
Stop Payment per Instruction (Particular cheque/Range of cheque)/ECS Free Free
Balance Enquiry ( Branch/ Channels) Free Free
Activation of dormant/inoperative account Free Free

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

Download Schedule of Charges for IDFC FIRST Enterprise Account

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