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Rural Saving Account Fees & Charges

Details

  IDFC FIRST Shakti IDFC FIRST Param ALSA* - Asset Linked Savings Account
(w.e.f. 16th Jan, 2021)
IDFC FIRST Vishesh IDFC Param
Average Monthly Balance AMB: 100 Nil AMB: 5000 1000
Charges for non maintenance-Quarterly(Rs.) 20/- Nil AMB: >= 2500/- to < 5000/-: 150/-
AMB: < 2500/-:  300/-

AMB: >= 500/- to < Rs. 1000/-:  50/-

AMB: <  500/-:  100/-

Account Opening Amount Nil. After Account Opening, account has to be funded. Nil 5000  1000

Cash Transaction

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh IDFC Param
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) 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/-  5/1000. 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) 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 5/1000. Min Rs 150

Payment Service

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

100 per D.D. up to 10,000;.3/ per thousand rupees for DD of more than 10,000, subject to a minimum charge of 100 and maximum of  10,000 per DD.
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 100 per DD
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.

100 per D.D. up to 10,000;.3/ per thousand rupees for DD of more than 10,000, subject to a minimum charge of 100 and maximum of  10,000 per DD.
Above 1 Lakh: 100/- + taxes        

Cheque Drawn on us/deposited/ECS-bounce charge

    IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh IDFC Param  
  Cheque Deposited-Outward clearing ₹ 50/- per instrument Free ₹ 50/- per instrument  50/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) Nil.(Except signature mismatch. In case of signature mismatch same charges will be levied)  
  Cheque Issued-Inward Clearing (Drawn on us) ₹ 225/- per instrument ₹ 250/- per instrument ₹ 250/- per instrument ₹ 250  
  SI return Charges ₹ 50/- per instrument Free ₹ 50/- per instrument  50/Instrument  
  ECS Debit Return charges ₹ 50/- per instrument Free ₹ 50/- per instrument  50/Instrument  

Collection Services

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh IDFC Param
Intra-Bank Fund Transfer Collection Nil through Branch Channel Free Free Free
RTGS Collection Free Free Free Free
NEFT Collection Free Free Free Free
ECS Collection - Transaction Free Free Free Free
ECS Collection - Mandate (New / Modify / Cancel/Stop) ₹ 50/- per instance Free Free Free
Cheque collection-local clearing Free Free Free Free
Outstation cheque collection-IDFC FIRST Bank Location Upto 5,000/-: 25/- Free 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/- 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 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 10,000/-up to 1.00 lac 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 1.00 lacs upto5.00 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 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) 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/- 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 5,000/- up to 10,000/- Rs.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 10,000/-up to 1.00 lac Rs.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 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 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) Above 10.00 lacs 280/-(Max)

Debit Card & ATM charges

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh IDFC Param
Issuance charge ₹ 200/- per card ₹ 250/- per card ₹ 500/- per card  250/-
Annual Fees ₹ 200/- per card Nil ₹ 300/- per card  250/-
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

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  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

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  200+ taxes.
Pin Regeneration(Green Pin)

Nil

Through Branch: ₹ 50/- per request

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

Cheque Book Issuance

  IDFC FIRST Shakti IDFC FIRST Param ALSA IDFC FIRST Vishesh IDFC Param
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 4 per cheque leaf 
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 Issued on request

Miscellaneous Charges

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

Attestation: ₹ 100/- per instance

Address confirmation: ₹ 50/- per instance

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

One copy free/year. ₹  50/certificate for more than one copy in F.Y
Stop Payment per Instruction (Particular cheque/Range of cheque) 50/- per cheque  50/cheque 50/cheque

50/cheque

 

100/- for range of cheque 100/- for range of cheque  100/- for range of cheque  100/- for range of cheque
Balance Enquiry (Branch/ Channels) Free Free Free Free
Activation of dormant/inoperative account Free Free Free Free

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

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