Savings Account (w.e.f. 1st Sep, 2019)

Details

IDFC Shakti IDFC Param IDFC Vishesh
Average Monthly Balance AMB: Rs. 100 AMB: Rs. 1000 AMB: Rs. 5000
Charges for non maintenance-Quarterly(Rs.) Rs. 20/- AMB: >= Rs.500/- to < Rs. 1000/-: Rs. 50/-
AMB: < Rs.500/-: Rs. 100/-
AMB: >= Rs. 2500/- to < Rs. 5000/-: Rs. 150/-
AMB: < Rs. 2500/-: Rs. 300/-
Account Opening Amount Nil. After Account Opening, account has to be funded. Rs. 1000 Rs. 5000

Cash Transaction

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

Payment Service

IDFC FIRST Shakti IDFC FIRST Param 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 (w.e.f. 1st July, 2019) Free (w.e.f. 1st July, 2019)
NEFT Payment - Branch/Internet Banking Free (w.e.f. 1st July, 2019) Free (w.e.f. 1st July, 2019) Free (w.e.f. 1st July, 2019)
IMPS-outgoing Up to Rs. 1 Lakh: Rs. 5/- per transaction Up to Rs 1 Lakh-Rs 5/transaction Up to Rs 1 Lakh-Rs 5/transaction
Above Rs. 1 Lakh to Rs. 2 Lakh: Rs. 15/- per transaction Above Rs 1 Lakh to Rs 2 Lakh-Rs 15/txn Above Rs 1 Lakh to Rs 2 Lakh-Rs 15/txn
DD/PO payable at IDFC FIRST Bank locations 1 DD/month-free, thereafter charges as under Rs.100 per D.D. up to Rs.10,000;.Rs.3/ per
thousand rupees for DD of more than
Rs.10,000, subject to a minimum charge of
Rs.100 and maximum of Rs. 10,000 per DD.
Rs.100 per D.D. up to Rs.10,000;.Rs.3/ per thousand
rupees for DD of more than Rs.10,000, subject to a
minimum charge of Rs.100 and maximum of
Rs. 10,000 per DD.
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 Rs.100 per D.D Rs.100 per D.D
DD/PO payable at Correspondent bank locations Up to Rs. 1 Lakh: Rs. 50/- + taxes Rs.100 per D.D. up to Rs.10,000;.Rs.3/ per
thousand rupees for DD of more than
Rs.10,000, subject to a minimum charge of
Rs.100 and maximum of Rs. 10,000 per DD.
Rs.100 per D.D. up to Rs.10,000;.Rs.3/ per thousand
rupees for DD of more than Rs.10,000, subject to a
minimum charge of Rs.100 and maximum of
Rs. 10,000 per DD.
Above Rs. 1 Lakh: Rs. 100/- + taxes

Cheque Drawn on us/deposited/ECS-bounce charge

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

Collection Services

IDFC FIRST Shakti IDFC FIRST Param 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) Rs. 50/instance Free Free
Cheque collection-local clearing Free Free Free
Outstation cheque collection-IDFC FIRST Bank Location Upto Rs.5,000/-: Rs.25/- Free Free
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 lac up to Rs.5.00 lacs: Rs.225/

Above Rs.5.00 lacs up to Rs.10.00 lacs: Rs.250/

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

Debit Card & ATM charges

IDFC FIRST Shakti IDFC FIRST Param IDFC FIRST Vishesh
Issuance charge Rs.200/- Rs. 250/- Rs. 500/-
Annual Fees Rs.120/- Rs. 250/- Rs. 300/-
ATM transaction-IDFC FIRST Bank ATMs Financial Transactions: 5 Free per month,
6th onwards Rs. 20 + taxes
Non Financial Transactions: Free & Unlimited
Financial Transactions: 5 Free per month,
6th onwards Rs. 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 Rs 20 + taxes for Financial transaction and
Rs 8 + taxes for Non-Financial transaction
Financial & Non-Financial Transactions: 5 Free per month,
6th onwards Rs 20 + taxes for Financial transaction and
Rs 8 + taxes for Non-Financial transaction
Financial & Non-Financial Transactions: 5 Free per month,
6th onwards Rs 20 + taxes for Financial transaction and
Rs 8 + taxes for Non-Financial transaction
Re-issuance of card (Lost or damaged) Lost: Rs.200/- + taxes Rs. 200/- Rs. 200/-
Pin Regeneration(Green Pin) Nil. Through Branch-Rs 50+taxes Nil for all channels Nil for all channels
Daily ATM Limit(withdrawal) Rs.25000/- Rs.40000/- Rs.50000/-
Daily Merchant Establishment point of sale limit / e-Commerce (spending/purchase) Rs.100000/- Rs.100000/- Rs.100000/-

Cheque Book Issuance

IDFC FIRST Shakti IDFC FIRST Param IDFC FIRST Vishesh
Cheque Book Facility NA Rs. 4 per cheque leaf on issuance and subsequent cheque book Rs. 4 per cheque leaf on issuance and subsequent cheque book
Cheque Book Rs.2/- per Cheque leaves. i.e Thereafter Rs. 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 IDFC FIRST Vishesh
Account Statement Physical (Branch/ Channel) Free by e-mail (Monthly). Physical copy through MATM / BOC / Branch - INR 100 Physical copy through MATM / BOC / Branch - INR 100
Issue of Duplicate/Adhoc statement(Branch/Channel) Rs. 50/- per Instance Rs. 100 Rs. 100
Issue of passbook facility Nil. Nil. Nil.
Duplicate Passbook Rs. 100/- per passbook. For Previous entries: Rs. 20/- per page. Rs 50 Free
Account Closure Free Free Free
SMS/ E mail Alerts SMS: Rs. 15/- + taxes per quarter SMS: Rs. 15/- per quarter SMS: Rs. 15/- per quarter
Phone Banking On request Free Free
Net Banking On request Free Free
Mobile Banking On request Free Free
Standing Instruction- Set Up/Execution/Amendment Free Free Free
Bill Payment - Net Banking Free Free Free
Bankers Verification (Photo/ Signature/ Address) Attestation: Rs. 100/- , Address confirmation-Rs. 50/instance Free Free
Balance Confirmation Certificate Free Free Free
Record Retrieval Rs. 100/- per Instance. Copy of paid cheque: Nil Free Free
Interest/ TDS Certificate One copy free/year. Rs. 50/- per certificate for more than one copy in F.Y. One copy free/year. Rs 50/certificate for more than one copy in F.Y One copy free/year. Rs 50/certificate for more than one copy in F.Y
Stop Payment per Instruction (Particular cheque/Range of cheque) Rs. 50/- per cheque Rs 50/cheque Rs 50/cheque
Rs. 100/- for range of cheque Rs. 100/- for range of cheque Rs. 100/- for range of cheque
Balance Enquiry (Branch/ Channels) Free Free Free
Activation of dormant/inoperative account Free 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. Cheque Book & Debit Card for IDFC FIRST Shakti will be issued on customer request
*These charges will be debited to customer account manually till its system readiness
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Contact us

REGISTERED office:

IDFC FIRST Bank Ltd

KRM Tower, 7th Floor, No. 1,
Harrington Road, Chetpet,
Chennai - 600031, Tamil Nadu,
India

Corporate office:

IDFC FIRST Bank Ltd

Naman Chambers,
C-32, G-Block,
Bandra-Kurla Complex,
Bandra East, Mumbai - 400051,
India

IDFC FIRST Bank Customers

Toll Free No - 1800 419 4332
Email - Banker@idfcfirstbank.com

Capital First Customers

Toll Free No - 1860 500 9900
Email - Customer.Care@Capitalfirst.Com

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