Rural Saving Account Fees & Charges

Details

  IDFC FIRST Shakti IDFC FIRST Param ALSA (w.e.f. 16th Jan, 2021) IDFC FIRST Vishesh
Average Monthly Balance AMB: 100 Nil AMB: 5000
Charges for non maintenance-Quarterly(Rs.) 20/- Nil AMB: >= 2500/- to < 5000/-: 150/-
AMB: < 2500/-:  300/-
Account Opening Amount Nil. After Account Opening, account has to be funded. Nil 5000

Cash Transaction

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh
Cash Deposit-Home/Non Home Branch(Monthly) First 5 Transactions or 1 Lakh whichever is earlier.(Free) First 4 txns or 2 lakh whichever is earlier.(Free) First 4 txns or 2 lakh whichever is earlier.(Free)
Cash Deposit(above free limit) - Home/Non Home Branch ₹ 2/- per ₹ 1,000/- of cash deposit. Min ₹ 50/- ₹ 3/- per ₹ 1,000/- of cash deposit. Min ₹ 150/- ₹ 5/- per ₹ 1,000/- of cash deposit. Min Rs 150/-
Cash Withdrawal-Home/Non Home Branch Free up to 4 times(Free) Free First 4 txns or 2 lakh whichever is earlier.(Free)
Cash Withdrawal beyond free limit - Home/Non Home Branch 2/- per 1000 Rupees. Min 50/- Free 5/1000. Min 150

Payment Service

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh
Intrabank-Fund Transfer-Branch Free Free Free
Intra-Bank Fund Transfer -Internet Banking Free Free Free
RTGS Payment - Branch/Internet Banking Free (w.e.f. 1st July, 2019) Free Free (w.e.f. 1st July, 2019)
NEFT Payment - Branch/Internet Banking Free (w.e.f. 1st July, 2019) Free Free (w.e.f. 1st July, 2019)
IMPS-outgoing Free Free Free
  Free Free Free
DD/PO payable at IDFC FIRST Bank locations

1 DD/PO per month-free. Thereafter, charges as under:

DD/PO value of up to ₹ 10,000/-: ₹ 50/- per DD/PO;

Above ₹ 10,000/-: ₹ 3/- per ₹ 1,000/- of DD/PO, subject to minimum of ₹ 75/- and maximum of ₹ 10,000/- per DD/PO

Free

 DD/PO value of up to ₹ 10,000/-: ₹ 100/- per DD/PO;

Above ₹ 10,000/-: ₹ 3/- per ₹ 1,000/- of DD/PO, subject to minimum charge of ₹ 100/- and maximum of ₹ 10,000/- per DD/PO..

50/- per D.D. up to 10,000/-; 3/- per thousand rupees or for DD of more than  10,000/-, subject to a minimum of 75/- and maximum of  10,000/-      
DD/PO- Duplicate Issuance/cancellation/revalidation Free Free 100 per D.D
DD/PO payable at Correspondent bank locations

DD/PO value of up to ₹ 1 Lakh: ₹ 50/-

Above ₹ 1 Lakh: ₹ 100/-

Free

DD/PO value of up to ₹ 10,000/-: ₹ 100/- per DD/PO;

Above ₹ 10,000/-: ₹ 3/- per ₹ 1,000/- of DD/PO, subject to minimum charge of ₹ 100/- and maximum of ₹ 10,000/- per DD/PO.

Above 1 Lakh: 100/- + taxes      

Cheque Drawn on us/deposited/ECS-bounce charge

    IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh
  Cheque Deposited-Outward clearing ₹ 50/- per instrument Free ₹ 50/- per instrument
  Due to technical reasons Nil.(Except signature mismatch. In case of signature mismatch same charges will be levied) Free Nil (Technical reasons will not be charged)
  Cheque Issued-Inward Clearing (Drawn on us) ₹ 225/- per instrument ₹ 250/- per instrument ₹ 250/- per instrument
  SI return Charges ₹ 50/- per instrument Free ₹ 50/- per instrument
  ECS Debit Return charges ₹ 50/- per instrument Free ₹ 50/- per instrument

Collection Services

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh
Intra-Bank Fund Transfer Collection Nil through Branch Channel Free Free
RTGS Collection Free Free Free
NEFT Collection Free Free Free
ECS Collection - Transaction Free Free Free
ECS Collection - Mandate (New / Modify / Cancel/Stop) ₹ 50/- per instance Free Free
Cheque collection-local clearing Free Free Free
Outstation cheque collection-IDFC FIRST Bank Location Upto 5,000/-: 25/- Free Free
  Above 5,000/- up to 10,000/-: 50/-

Above 10,000/- up to 1.00 lac: 110/-

Above 1.00 lac up to 5.00 lacs: 225/

Above 5.00 lacs up to 10.00 lacs: 250/

Above 10.00 lacs: 280/-(Max)
   
Outstation cheque collection-Non IDFC FIRST Bank Location Up to 5,000/-: 25/- Upto 5,000/- 25/- Upto 5,000/- 25/-
  Above 5,000/- up to 10,000/-: 50/- Above 5,000/- up to 10,000/- 50/- Above 5,000/- up to 10,000/- 50/-
  Above 10,000/- up to 1.00 lac: 110/- Above 10,000/-up to 1.00 lac .110/- Above 10,000/-up to .1.00lac .110/-
  Above 1.00 lacs up to 5.00 lacs: 225/ Above 1.00 lacs up to 5.00 lac 225/- Above 1.00 lacs upto 5.00 lac 225/-
  Above 5.00 lacs up to 10.00 lacs: 250/- Above 5.00 lacs up to 10.00 lac 250/- Above 5.00 lacs upto 10.00 lac 250/-
  Above 10.00 lacs: 280/-(Max) Above 10.00 lacs 280/-(Max) Above 10.00 lacs 280/-(Max)
Outstation cheque collection at correspondent bank location and other location: Non MICR cheque/Non CTS cheque Up to 5,000/- 25/- Up to 5,000/- 25/- Up to 5,000/- 25/-
  Above 5,000/- up to 10,000/-: 50/- Above 5,000/- up to 10,000/- .50/- Above 5,000/- up to 10,000/- 50/-
  Above 10,000/- up to 1.00 lac: 110/- Above 10,000/-up to 1.00 lac 110/- Above 10,000/-up to 1.00 lac 110/-
  Above 1.00 lacs up to 5.00 lacs: 225/ Above 1.00 lacs upto 5.00 lac 225/- Above 1.00 lacs upto 5.00 lac 225/-
  Above 5.00 lacs up to 10.00 lacs: 250/- Above 5.00 lacs upto 10.00 lac 250/- Above 5.00 lacs upto 10.00 lac 250/-
  Above 10.00 lacs: 280/-(Max) Above 10.00 lacs 280/-(Max) Above 10.00 lacs 280/-(Max)

Debit Card & ATM charges

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh
Issuance charge ₹ 200/- per card ₹ 250/- per card ₹ 500/- per card
Annual Fees ₹ 200/- per card Nil ₹ 300/- per card
ATM transaction-IDFC FIRST Bank ATMs Financial Transactions: 5 Free per month,
6th onwards  20 + taxes
Non Financial Transactions: Free & Unlimited
Financial Transactions: 5 Free per month, 6th onwards . 20 + taxes
Non Financial Transactions: Free & Unlimited
Financial Transactions: 5 Free per month,
6th onwards  20 + taxes
Non Financial Transactions: Free & Unlimited
ATM transaction-Non IDFC FIRST Bank ATMs Financial & Non-Financial Transactions: 5 Free per month,
6th onwards  20 + taxes for Financial transaction and
8 + taxes for Non-Financial transaction
Financial & Non-Financial Transactions: 5 Free per month, 6th onwards 20 + taxes
for Financial transaction and 8 + taxes for Non-Financial transaction
Financial & Non-Financial Transactions: 5 Free per month,
6th onwards 20 + taxes for Financial transaction and
8 + taxes for Non-Financial transaction
Re-issuance of card (Lost or damaged) ₹ 200/- per card ₹ 200/- per card ₹ 200/- per card
Pin Regeneration(Green Pin)

Nil

Through Branch: ₹ 50/- per request

Nil for All Channels Nil for all channels
Daily ATM Limit(withdrawal) 25000/- 40000/- 50000/-
Daily Merchant Establishment point of sale limit / e-Commerce (spending/purchase) 100000/- 100000/- 100000/-

Cheque Book Issuance

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh
Cheque Book Facility NA Free 25 leaves in a quarter, thereafter 4/- per cheque leaf 4 per cheque leaf on issuance and subsequent cheque book
Cheque Book 2/- per Cheque leaves. i.e Thereafter  20/40/100 for every additional 10/20/50 cheque leaves respectively.(Min 10 cheque leaves) Issued on request Issued on request

Miscellaneous Charges

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh
Account Statement Physical (Branch/ Channel) Free by e-mail (Monthly). Free Physical copy through MATM / BOC / Branch - ₹ 100/- per instance
Issue of Duplicate/Adhoc statement(Branch/Channel) ₹  50/- per instance Free ₹ 100/- per instance
Issue of passbook facility Nil. Nil. Nil.
Duplicate Passbook ₹ 100/- per instance Free Free
Account Closure Free Free Free
SMS/ E mail Alerts SMS – Rs. 15 + taxes per quarter Free SMS – Rs. 15 + taxes per quarter
Standing Instruction- Set Up/Execution/Amendment Free Free Free
Bill Payment - Net Banking Free Free Free
Bankers Verification (Photo/ Signature/ Address)

Attestation: ₹ 100/- per instance

Address confirmation: ₹ 50/- per instance

₹  50/- per instance Free
Balance Confirmation Certificate Free Free Free
Record Retrieval 100/- per Instance. Copy of paid cheque: Nil 100 per record Free
Interest/ TDS Certificate

One copy free per Financial Year

₹ 50/- per certificate for more than one copy in one Financial Year

One copy free/year.One copy free per Financial Year

₹ 50/- per certificate for more than one copy in one Financial Year

One copy free per Financial Year

₹ 50/- per certificate for more than one copy in one Financial Year

Stop Payment per Instruction (Particular cheque/Range of cheque) 50/- per cheque  50/cheque 50/cheque
100/- for range of cheque 100/- for range of cheque  100/- for range of cheque
Balance Enquiry (Branch/ Channels) Free Free Free
Activation of dormant/inoperative account Free Free Free

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