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    Home Loan
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Kisan Credit Card

Charge Type Description of Charges Charges / Fee Amount
Annual Maintenance Charges / Supervision Charges   Rs. 800 plus applicable Service Tax per proposal annually for all CC/OD accounts during October
Stamp Duty and other statutory charges   At actuals, as per applicable laws of the state at the time of loan processing
Legal Fees   KCC Limit up to 3 Lac – Rs. 1500
KCC Limit 3 Lac -10Lac – Rs. 2000
KCC Limit above 10 Lac – Rs. 2500
Valuation Fees   Rs. 2000 per case where valuation of property is done
Cheque Book Charges   Free
Collections Local Cheque Deposit Free
Cheque deposited in home branch for clearing in same location Free
Outstation cheque deposit Free
Fund transfer (between home branches) (Online / through branch) Free
Payments DD / PO– Payable at home and correspondent bank location Free
DD - Duplicate issuance / Cancelation / Revalidation Rs. 30 per instrument
IMPS First 5 transactions in a month-Free thereafter Rs 5 per txn
Cash Transactions Cash deposit - Home and Non-Home location
Cash Withdrawal - Home and Non-Home location
Other features Stop payment (Single cheque) Rs. 100
Stop payment (Series cheque) Rs. 150
Cheque return (Inward) for financial reason Rs. 300 per Cheque
Cheque return (outward) home location Rs. 50 per Cheque
Cheque return (outward) other location Rs. 50 per Cheque
ECS Returns Rs. 100 per Cheque
CIBIL report copy charges NIL
Repayment schedule charges Free on half yearly frequency. Rs. 100 on adhoc request
Debit Card Issuance, Annual Charges & Replacement Issuance – Free
Annual Charges – Rs. 150 p.a.
Cash Withdrawal (ATM's) Home Network Free
Cash Withdrawal / Balance Inquiry at Other ATMs within India First 5 txn free per month, thereafter
Balance Inquiry – Rs. 8.50 per txn
Cash Withdrawal – Rs. 20 per txn
POS Limit on Debit Card Rs. 1,00,000
Daily withdrawal Limit Rs. 50,000
Account Closure Charges   NIL


*All fees/charges to be paid shall be exclusive of goods and services tax(GST), as may be applicable. The services accounting code would be provided by IDFC FIRST Bank and shall be binding on customer Debit Card.

Charges for Rural Banking SOC

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