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Please Note

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 Bank and shall be binding on customer.
In case customer is related person to IDFC Bank, GST, as may be applicable, needs to be paid by customer.
Note: The above stipulated Schedule of Charges is subject to be revised from time to time by the Bank as will be updated on the official website of the Bank


IDFC Bank - Schedule of Charges for Savings Accounts


Average Monthly Balance Requirement Rs. 25,000
Debit Card Type Visa Signature
Transactions & Services which you enjoy without any charges
Passbook Issuance & Printing Stop Payment on Cheques
Alerts for transactions on your account Standing Instruction- Set Up/ Execution/ Amendment
Electronic Funds Transfer (NEFT/ RTGS/ IMPS) Inward & Outward Cash Deposit / Withdrawal at our branches by the customer
Foreign Currency Draft Issuance Outstation Cheque Collection
Phone Banking Interest/ TDS Certificate
Net Banking Balance Confirmation Certificate
DD - Duplicate Issuance Balance Enquiry (Branch/ Channels)
DD Cancellation/ revalidation  
We will apply a charge for the following transactions or events in your account
Cheque Return – Deposited Rs. 50
Cheque Return – Issued Rs. 250
International ATM or POS transaction Free, only forex mark up 2% of the transaction value will be applicable
If your balance falls below Rs. 25,000 we will charge you only to recover the cost when you do the following transactions on your account. These transactions will continue to be free of charge should you maintain a balance of Rs. 25,000 with us.
Re-issue of Cheque Book Rs. 50 per cheque book
DD payable at branch locations Rs. 30
Replacement of Debit Card Rs. 100
Annual Debit Card fees Rs. 100
ATM Transaction Charge at any ATM in India First 5 ATM transactions - Free
6th transactions onwards :
Rs. 20 + taxes for every cash withdrawal
Rs. 8 + taxes for any other transactions (for e.g. balance enquiry)
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.

 

IDFC Bank - Schedule of Charges for Zero Balance Savings Accounts with Platinum Debit Card


Average Monthly Balance Requirement (AMB) / Initial Payment Requirement (in Rs.) Nil /250
Charges for non maintenance of required balance Nil
Charges (in Rs)
Debit Card Type Visa Platinum
Debit Card Issuance Fee 100
Annual Debit Card Fee 100
Replacement of Debit Card 100
No. of Free ATM transactions per month at any ATM in India IDFC Bank ATM: 5 free transactions (financial and non-financial).Customer will be charged 6th transaction onwards.
Other Bank ATM: 5 free transactions (financial and non-financial).Customer will be charged 6th transaction onwards.
ATM Transaction Charge at any ATM in India IDFC Bank ATM: 6th transaction onwards, Rs. 20 + taxes for every cash withdrawal Rs. 8 + taxes for any other transaction. Other Bank ATM: 6th transaction onwards, Rs. 20 + taxes for every cash withdrawal Rs. 8 + taxes for any other transaction.
International ATM or POS transaction Rs 25 per balance enquiry & Rs. 125 per cash withdrawal/ POS (plus taxes). Forex mark up 2% of the transaction value will be applicable
Electronic Funds Transfer (NEFT/ RTGS) Outward (through NetBanking) Free
Electronic Funds Transfer (NEFT/ RTGS) Outward (through Branch) NEFT Outward:
Amounts up to Rs. 10,000 - Rs.2.5 (plus taxes as applicable) per transaction
Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (plus taxes as applicable) per transaction
Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (plus taxes as applicable) per transaction
Amounts above Rs.2 lakh – Rs.25 (plus taxes as applicable) per transaction

RTGS Outward:
Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (plus taxes as applicable) per transaction
Above Rs 5 Lakhs - Rs. 50 (plus taxes as applicable) per transaction
Standing Instruction- Set Up/ Execution/ Amendment Free
Cheque Book Issuance (1st cheque book with account opening) Rs. 3 per cheque leaf
Re-issue of Cheque Book Rs. 3 per cheque leaf
Cheque Return - Deposited 100
Cheque Return - Issued 250
DD payable at branch locations 100
DD - Duplicate Issuance 100
DD Cancellation/ revalidation 100
Cash Deposit / Withdrawal at our branches by the customer 100
Passbook Issuance & Printing Free
Stop Payment on Cheques Free
Note
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.

 

IDFC Bank - Schedule of Charges for Zero Balance Savings Accounts without Deliverables


Average Monthly Balance Requirement (AMB) / Initial Payment Requirement (in Rs.) Nil / Nil
Charges for non maintenance of required balance Nil
Charges (in Rs)
Debit Card Type NA
Debit Card Issuance Fee NA
Annual Debit Card Fee NA
Replacement of Debit Card NA
No. of Free ATM transactions per month at any ATM in India NA
ATM Transaction Charge at any ATM in India NA
International ATM or POS transaction NA
Electronic Funds Transfer (NEFT/ RTGS) Outward (through NetBanking) Free
Electronic Funds Transfer (NEFT/ RTGS) Outward (through Branch) NEFT Outward:
Amounts up to Rs. 10,000 - Rs.2.5 (plus taxes as applicable) per transaction
Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (plus taxes as applicable) per transaction
Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (plus taxes as applicable) per transaction
Amounts above Rs.2 lakh – Rs.25 (plus taxes as applicable) per transaction

RTGS Outward:
Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (plus taxes as applicable) per transaction
Above Rs 5 Lakhs - Rs. 50 (plus taxes as applicable) per transaction
Standing Instruction- Set Up/ Execution/ Amendment Free
Cheque Book Issuance (1st cheque book with account opening) NA
Re-issue of Cheque Book NA
Cheque Return - Deposited 100
Cheque Return - Issued 250
DD payable at branch locations 100
DD - Duplicate Issuance 100
DD Cancellation/ revalidation 100
Cash Deposit / Withdrawal at our branches by the customer 100
Passbook Issuance & Printing Free
Stop Payment on Cheques NA
Note
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.

 

IDFC Bank - Schedule of Charges for Salary Account


Average Monthly Balance Requirement Nil, as along as regular monthly salary from employer is credited into the account
Transactions & Services which you enjoy without any charges
Passbook Issuance & Printing Stop Payment on Cheques
Alerts for transactions on your account Cash Deposit / Withdrawal at our branches by the customer
Electronic Funds Transfer (NEFT/ RTGS/ IMPS) Inward & Outward Outstation Cheque Collection
Foreign Currency Draft Issuance Standing Instruction- Set Up/ Execution/ Amendment
Phone Banking Balance Confirmation Certificate
Net Banking Balance Enquiry ( Branch/ Channels)
DD - Duplicate Issuance Interest/ TDS Certificate
DD Cancellation/ revalidation  
We will apply a charge for the following transactions or events in your account
Cheque Return – Deposited Rs. 50
Cheque Return – Issued Rs. 250
International ATM or POS transaction Free, only forex mark up 2% of the transaction value will be applicable
In absence of regular salary credit in your salary account we will charge you only to recover the cost when you do the following transactions on your account. These transactions will continue to be free of charge till the time there are regular monthly salary credit's in the account
Re-issue of Cheque Book Rs. 50 per cheque book
DD payable at branch locations Rs. 30
Replacement of Debit Card Rs. 100
Annual Debit Card fees Rs. 100
ATM Transaction Charge at any ATM in India First 5 ATM transactions - Free
6th transactions onwards :
Rs. 20 + taxes for every cash withdrawal
Rs. 8 + taxes for any other transactions (for e.g. balance enquiry)
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.

 

IDFC Bank- Schedule of Service Charges (Business Account)


Details
  Average Monthly Balance (AMB)* Trade Throughput (Q) Non Maintenance charges per month
Regular Business Account 10,000 NA Rs 300
Regular Business Account 1 lac 1,00,000 NA Rs 500
Dynamic / Dynamic Plus Business Account Zero NA NA
World Business Account Zero Zero NA
Truly One Account Zero NA NA
TASC Dynamic / Dynamic Plus Current Account Zero NA NA
TASC Dynamic / Dynamic Plus Savings Account Zero NA NA
AMB is average of daily closing balance of each day for a month
Other charges
    Cash Deposit Free Limit Cash deposit -Charge above free limit DD payable at Correspondent Bank locations Cheque Bounce
Regular Business Account 1 lac Rs 3 per 1000 Free upto 8 DDs (cap of Rs.10 lacs per DD)
Above which charged at Rs.30/-
Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
Regular Business Account 1 lac 10 lacs Rs 3 per 1000 Free upto 8 DDs (cap of Rs.10 lacs per DD)
Above which charged at Rs.30/-
Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
Dynamic / Dynamic Plus Business Account 10 times of the Maintained AMB Rs 3 per 1000 Free upto 8 DDs (cap of Rs.10 lacs per DD)
Above which charged at Rs.30/-
Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
World Business Account 10 times of the Maintained AMB + 20 times $ trade volumes Rs 3 per 1000 Free upto 8 DDs (cap of Rs.10 lacs per DD)
Above which charged at Rs.30/-
Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
Truly One Account 10 times of maintained AMB in CA or 7 times of average AMB of Current Account and Savings Account Rs 3 per 1000 Free upto 8 DDs (cap of Rs.10 lacs per DD)
Above which charged at Rs.30/-
Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
TASC Dynamic / Dynamic Plus Current Account 10 times of the Maintained AMB Rs 3 per 1000 Free upto 8 DDs (cap of Rs.10 lacs per DD)
Above which charged at Rs.30/-
Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
TASC Dynamic / Dynamic Plus Savings Account 5 times of the Maintained AMB Rs 3 per 1000 Free upto 8 DDs (cap of Rs.10 lacs per DD)
Above which charged at Rs.30/-
Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
Debit Card & ATM charges
Annual Debit Card fees Free
ATM transactions IDFC Bank ATMS (Financial & Non-Financial Transactions) Free
ATM transactions Non IDFC Bank ATMS (Financial & Non-Financial Transactions) Free
Reissuance (lost or damaged) Free
Add On Card Free
International ATM or POS transaction 2% mark-up of the transaction value
Pin Regeneration Free
Payment Services
Intra-Bank Fund Transfer - Branch Free
Intra-Bank Fund Transfer -Internet Banking Free
RTGS Payment - Branch Free
RTGS Payment - Internet Banking Free
NEFT Payment - Branch Free
NEFT Payment - Internet Banking Free
IMPS Free
Payable At Par Cheque Issuance Free
DD payable at IDFC BANK locations Free
DD - Duplicate Issuance Free
DD Cancellation/ revalidation Free
Collection Services
Intra-Bank Fund Transfer Collection Free
RTGS Collection Free
NEFT Collection Free
Cheque Collection - Local Clearing Free
Outstation Cheque Collection - IDFC BANK locations Free
Outstation Cheque Collection - Correspondent Bank locations Free
Outstation Cheque Collection - Other locations Free
Foreign Currency Conversion
Converted Amount - Upto Rs. 1,00,000 0.14% of the gross amount of currency exchanged, subject to the minimum amount of Rs. 35/- and maximum amount of Rs. 7,000/-
Converted Amount -Rs. 1,00,001 - Rs.10,00,000 Rs. 140 Plus 0.07 % of the gross amount of currency exchanged, subject to the minimum amount of Rs. 35/- and maximum amount of Rs. 7,000/-
Converted Amount -10,00,001 or more Rs. 770 Plus 0.014% of the gross amount of currency exchanged, subject to the minimum amount of Rs. 35/- and maximum amount of Rs. 7,000/-
Transactions & Services which you enjoy without any charges
Account Statement Physical (Branch/ Channel) Bill Payment- Net Banking
Payable at Par Cheque Book Bankers Verification (Photo/ Signature/ Address)
Account Closure Balance Confirmation Certificate
SMS/ E mail Alerts Record Retrieval
Phone Banking Interest/ TDS Certificate
Net Banking Stop Payment per Instruction
Mobile Banking Balance Enquiry (Branch/ Channels)
Standing Instruction- Set Up/ Execution/ Amendment  
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.


IDFC Bank- Schedule of Service Charges (Asset Dynamic Business Account)


Details
  Average Monthly Balance (AMB)* Trade Throughput (Q) Non Maintenance charges per month
Asset Dynamic Business Account Zero NA NA
AMB is average of daily closing balance of each day for a month
Other charges
    Cash Deposit Free Limit Cash deposit -Charge above free limit DD payable at Correspondent Bank locations Cheque Bounce
Asset Dynamic Business Account 3 times average utilization or 10 times of the Maintained AMB Rs 3 per 1000 Rs 30 per DD Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
Payment Services
Intra-Bank Fund Transfer - Branch Free
Intra-Bank Fund Transfer -Internet Banking Free
RTGS Payment - Branch Free
RTGS Payment - Internet Banking Free
NEFT Payment - Branch Free
NEFT Payment - Internet Banking Free
IMPS Free
Payable At Par Cheque Issuance Free
DD payable at IDFC BANK locations Free
DD - Duplicate Issuance Free
DD Cancellation/ revalidation Free
Collection Services
Intra-Bank Fund Transfer Collection Free
RTGS Collection Free
NEFT Collection Free
Cheque Collection - Local Clearing Free
Outstation Cheque Collection - IDFC BANK locations Free
Outstation Cheque Collection - Correspondent Bank locations Free
Outstation Cheque Collection - Other locations Free
Foreign Currency Conversion
Converted Amount - Upto Rs. 1,00,000 0.14% of the gross amount of currency exchanged, subject to the minimum amount of Rs. 35/- and maximum amount of Rs. 7,000/-
Converted Amount -Rs. 1,00,001 - Rs.10,00,000 Rs. 140 Plus 0.07 % of the gross amount of currency exchanged, subject to the minimum amount of Rs. 35/- and maximum amount of Rs. 7,000/-
Converted Amount -10,00,001 or more Rs. 770 Plus 0.014% of the gross amount of currency exchanged, subject to the minimum amount of Rs. 35/- and maximum amount of Rs. 7,000/-
Miscellaneous Services
Account Statement Physical (Branch/ Channel) Free
Payable at Par Cheque Book Free
Account Closure Free
SMS/ E mail Alerts Free
Phone Banking Free
Net Banking Free
Mobile Banking Free
Standing Instruction- Set Up/ Execution/ Amendment Free
Bill Payment- Net Banking Free
Bankers Verification (Photo/ Signature/ Address) Free
Balance Confirmation Certificate Free
Record Retreival Free
Interest/ TDS Certificate Free
Stop Payment per Instruction Free
Balance Enquiry (Branch/ Channels) 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.

IDFC Bank- Schedule of Service Charges (Non-individual Account – Wholesale Banking)


Details
  Average Monthly Balance (AMB)* Non Maintenance charges per month
CA Zero Bal( For Wholesale banking- to be offered to large corporates ) Zero NA
CA-GovtContracted Balance Zero NA
SA-GovtContracted Balance Zero NA
AMB is average of daily closing balance of each day for a month
Other charges
  Cash deposit Charge DD payable at Correspondent Bank locations Cheque Return
CA Zero Bal( For Wholesale banking- to be offered to large corporates ) Rs 3 per 1000 Rs 30 per DD Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
CA-GovtContracted Balance Rs 3 per 1000 Rs 30 per DD Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
SA-GovtContracted Balance Rs 3 per 1000 Rs 30 per DD Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
Debit Card & ATM charges
Annual Debit Card Fees Rs. 250
ATM transactions IDFC Bank ATMS (Financial & Non-Financial Transactions) Free
ATM transactions Non IDFCBank ATMS (Financial & Non-Financial Transactions) First 5 ATM transactions - Free 6th transactions onwards: Rs. 20 + taxes for every cash withdrawal Rs. 8 + taxes for any other transactions (for e.g. balance enquiry)
Reissuance (lost or damaged) Free
Add On Card Free
International ATM or POS Transactions 2% mark-up of the transaction value
Pin Regeneration Free
Payment Services
Intra-Bank Fund Transfer - Branch Free
Intra-Bank Fund Transfer -Internet Banking Free
RTGS Payment - Branch Free
RTGS Payment - Internet Banking Free
NEFT Payment - Branch Free
NEFT Payment - Internet Banking Free
NACH Payment Free
IMPS Free
Payable At Par Cheque Issuance Free
DD payable at IDFC BANK locations Free
DD - Duplicate Issuance Free
DD Cancellation/ revalidation Free
Collection Services
  CA Zero Bal( For Wholesale banking- to be offered to large corporates ) CA-GovtContracted Balance SA-GovtContracted Balance
Intra-Bank Fund Transfer Collection Free Free Free
RTGS Collection Free Free Free
NEFT Collection Free Free Free
NACH Collection - Transaction Free Free Free
NACH Collection - Mandate (New / Modify / Cancel) Rs 25 per mandate Rs 25 per mandate Rs 25 per mandate
Cheque Collection - Local Clearing Free Free Free
Outstation Cheque Collection - IDFC BANK locations Rs 25 per cheque Rs 25 per cheque Rs 25 per cheque
Outstation Cheque Collection - Other locations Rs 50 per cheque Rs 50 per cheque Rs 50 per cheque
Miscellaneous Services
Account Statement Physical (Branch/ Channel) Free
Payable at Par Cheque Book Free
Account Closure Free
SMS/ E mail Alerts Free
Phone Banking Free
Net Banking Free
Mobile Banking Free
Standing Instruction- Set Up/ Execution/ Amendment Free
Bill Payment- Net Banking Free
Bankers Verification (Photo/ Signature/ Address) Free
Balance Confirmation Certificate Free
Record Retrieval Free
Interest/ TDS Certificate Free
Stop Payment per Instruction Free
Balance Enquiry (Branch/ Channels) 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.
The wholesale banking variant will be offered at Banks discretion to select customers. Cash Management services pricing would be as per the product offer letter.


IDFC Bank- Schedule of Charges Savings Account IDFC Pratham(BSBDA)


Details
Minimum Balance Zero
Charges for non-maintenance-Quarterly(Rs) Not Applicable
Interest Application Interest will be calculated on daily available balance and will be credited at the end of every quarter. Min. interest of Rs.1/- will only be credited
Interest Rate 4 %
Account Opening Amount Nil. After Account Opening, account has to be funded.
Cash Transaction
Cash Deposit-Home/Non Home Branch (Monthly) Home Branch:
Number Cap: Free un-limited.
Value Cap: Free unlimited,
Non-Home Branch :
Number Cap: Free un-limited.
Value Cap: Up to Rs 50000/Month (Free)
Cash Deposit (above free limit) Rs 2 per 1000. Min Rs 50
Cash Withdrawal-Home/Non Home Branch Up to 4 times/month-Free
Cash Withdrawal beyond free limit Rs 2 per 1000. Min Rs 50
Payment Service
Intrabank-Fund Transfer-Branch Free
Intra-Bank Fund Transfer -Internet Banking Free
RTGS Payment - Branch/Internet Banking Rs 2 Lakh to Rs 5 Lakh: Rs 25/transaction
Above Rs 5 Lakh-Rs 50/transaction
NEFT Payment - Branch/Internet Banking Up to Rs 10000-Rs 2.5/transaction
Above Rs 10000 to Rs 1 Lakh:Rs 5/transaction
Above Rs 1 Lakh to Rs 2 Lakh: 15/transaction.
Above Rs 2 Lakh: Rs 25/transaction
IMPS-outgoing Up to Rs 1 Lakh-Rs 5/transaction
Above Rs 1 Lakh to Rs 2 Lakh-Rs 15/transaction
DD/PO payable at IDFC BANK locations 1 DD/month-free. Thereafter, charges as under
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
DD/PO payable at Correspondent bank locations Up to Rs 1 Lakh-Rs 50+ taxes
Above Rs 1 Lakh-Rs 100+taxes
Cheque Drawn on us/deposited/ECS-bounce charge
Cheque Deposited-Outward clearing Rs 50/Instrument
Due to technical reasons Nil.(Except signature mismatch. In case of signature mismatch same charges will be levied)
Cheque Issued-Inward Clearing (Drawn on us) Rs 225
SI return Charges Rs 50/Instrument
ECS Debit Return charges Rs 50/transaction
Collection Service
Intra-Bank Fund Transfer Collection Nil through branch channel
RTGS Collection Free
NEFT Collection Free
ECS Collection - Transaction Free
ECS Collection - Mandate (New / Modify / Cancel/Stop) Rs 50/instance
Cheque collection-local clearing Free
Outstation cheque collection-IDFC Bank Location Upto Rs.5,000/- Rs.25/-
Above Rs.5,000/- up to Rs.10,000/- Rs.50/-
AboveRs.10,000/-up to Rs.1.00 lac Rs.110/-
AboveRs.1.00 lacs uptoRs.5.00 lac Rs.225/
AboveRs.5.00 lacs uptoRs.10.00 lac Rs.250/-
Above Rs.10.00 lacs Rs.280/-(Max)
Outstation cheque collection-Non IDFC Bank Location Upto Rs.5,000/- Rs.25/-
Above Rs.5,000/- up to Rs.10,000/- Rs.50/-
AboveRs.10,000/-up to Rs.1.00 lac Rs.110/-
AboveRs.1.00 lacs uptoRs.5.00 lac Rs.225/
AboveRs.5.00 lacs uptoRs.10.00 lac Rs.250/-
Above Rs.10.00 lacs Rs.280/-(Max)
Outstation cheque collection at correspondent bank location and other location: Non MICR cheque/Non CTS cheque Upto Rs.5,000/- Rs.25/-
Above Rs.5,000/- up to Rs.10,000/- Rs.50/-
AboveRs.10,000/-up to Rs.1.00 lac Rs.110/-
AboveRs.1.00 lacs uptoRs.5.00 lac Rs.225/
AboveRs.5.00 lacs uptoRs.10.00 lac Rs.250/-
Above Rs.10.00 lacs Rs.280/-(Max)
Debit Card & ATM charges
Issuance charge Nil
Annual Debit card fees Nil
ATM transaction-IDFC Bank Location (Financial/non- financial) Free - First 5 transactions per month
ATM transaction-Non IDFC Bank ATMS (Financial-non financial transaction)
ATM transaction charges beyond free limit Rs 20+ taxes for financial transaction and Rs 8.5+ taxes for non-financial transaction
Charges for Add on ATM card 150+taxes
Renewal Fees for ATM card Nil
Re-issuance of card (Lost or damaged) Rs 200+ taxes
Card Replacement Fees Rs 150+taxes
Pin Regeneration (Green Pin) Nil
Through Branch-Rs 50+taxes
Daily ATM Limit (withdrawal) Rs 25000
Daily Merchant Establishment point of sale limit/E commerce (spending/purchase) Rs 100000
Cheque Book Issuance
Cheque Book Facility On request. Rs 2/Leave. Min 10 cheque leaves.( Per book)
Cheque Book beyond Free Limit Not Applicable
Miscellaneous Charges
Account Statement Physical (Branch/ Channel) Free by Email-Monthly
Issue of Duplicate/Adhoc statement (Branch/Channel) Rs 50/Instance
Issue of passbook facility Nil
Duplicate Passbook Rs 100/passbook. For Previous entries-Rs 20/page
Account Closure Free
SMS/ E mail Alerts SMS-Rs 15+taxes per quarter
Phone Banking On request
Net Banking On request
Mobile Banking On request
Standing Instruction- Set Up/ Execution/ Amendment Free
Bill Payment- Net Banking Free
Bankers Verification (Photo/ Signature/ Address) Attestation-Rs 100
Address confirmation-Rs 50/instance
Balance Confirmation Certificate Free
Record Retrieval Rs 100/Instance
Copy of paid cheque-Nil
Interest/ TDS Certificate One copy free/year
Rs 50/certificate for more than one copy in one F.Y
Stop Payment per Instruction (Particular cheque/Range of cheque) Rs 50/cheque
Rs 100 for range of cheque
Balance Enquiry (Branch/ Channels) Free
Activation of dormant/inoperative account 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.

 

IDFC Bank- Schedule of Charges(Current Account)


Details
Product IDFC - Business IDFC - Enterprise
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
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
Intrabank-Fund Transfer-Branch Free Free
Intra-Bank Fund Transfer -Internet Banking Free Free
RTGS Payment - Branch/Internet Banking First 10 transactions in a month-Free. Thereafter, with charges as below. First 15 transaction in a month-Free. Thereafter, with charges as below.
Rs 2Lakh to Rs 5 Lakh: Rs 25/transaction Rs 2Lakh to Rs 5 Lakh: Rs 25/transaction
Above Rs 5 Lakh-Rs 50/transaction Above Rs 5 Lakh-Rs 50/transaction
NEFT Payment - Branch/Internet Banking First 10 transaction in a month-Free. Thereafter, with charges as below. First 15 transactions in a month-Free. Thereafter, with charges as below.
Up to Rs 10000-Rs 2.5/transaction Up to Rs 10000-Rs 2.5/transaction
Above Rs 10000 to Rs 1 Lakh:Rs 5/transaction Above Rs 10000 to Rs 1 Lakh:Rs 5/transaction
Above Rs 1 Lakh to Rs 2 Lakh: 15/transaction. Above Rs 1 Lakh to Rs 2 Lakh: 15/transaction.
Above Rs 2 Lakh: Rs 25/transaction Above Rs 2 Lakh: Rs 25/transaction
IMPS-outgoing Up to Rs 1 Lakh-Rs 5. Above Rs 1 Lakh to Rs 2 Lakh-Rs 15 Up to Rs 1 Lakh-Rs 5. Above Rs 1 Lakh to Rs 2 Lakh-Rs 15
DD payable at IDFC 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
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 Service
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 Bank Location Free Free
Outstation cheque collection-Non IDFC 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 and ATM Charges
Annual fees Rs 150 Rs 150
ATM transaction-IDFC Bank Location(Financial/non- financial) First 5 transaction/Month-Free First 15 transaction/Month-Free
ATM transaction-Non IDFC Bank ATMS(Financial-non financial transaction) First 5 transaction/Month-Free First 5 transaction/Month-Free
ATM transaction charges beyond free limit Rs 20+ taxes for financial transaction and Rs 8.5 + taxes 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
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
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 SMS - Rs. 15 per quarter SMS – Rs. 15 per quarter
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. The charges as indicated above are subject to periodic revision.

 

IDFC Bank- Schedule of Charges(Savings Account: Bharat Banking)


Details
Product IDFC Shakti IDFC Param IDFC Vishesh
AQB/AMB AMB-Rs 100 AQB-Rs 1000 AQB-Rs 5000
Charges for non maintenance-Quarterly(Rs) Rs 20 AQB-Rs 500 to less than 1000: Rs 100 AQB-Rs 2500 to less than 5000: Rs 300
AQB: less than Rs 500: Rs 200 AQB-Less than Rs 2500-Rs 500
Interest Application Interest will be calculated on daily available balance and will be credited at the end of every quarter. Min. interest of Rs.1/- will only be credited.
Account Opening Amount Nil. After Account Opening, account has to be funded. Rs. 2000 Rs. 5000
Cash Transaction
Cash Deposit-Home/Non Home Branch(Monthly) First 5 Transactions or Rs 1 Lakh whichever is earlier.(Free) First 5 Transactions or Rs 5 lakh whichever is earlier.(Free) First 10 Transactions or Rs20 lakh whichever is earlier.(Free)
Cash Deposit(above free limit) Rs 2/1000 Rupees. Min Rs 50 Rs 2/1000 Rupees. Min Rs 50 Rs 2/1000 Rupees. Min Rs 50
Cash Withdrawal-Home/Non Home Branch Free up to 4 times(Free) First 5 transaction or Rs 5 Lakh whichever is earlier. First 10 transaction or Rs 10 Lakh whichever is earlier.
Cash Withdrawal beyond free limit Rs 2/1000 Rupees. Min Rs 50 Rs 2/1000 Rupees. Min Rs 50 Rs 2/1000 Rupees. Min Rs 50
Payment Service
Intrabank-Fund Transfer-Branch Free Free Free
Intra-Bank Fund Transfer -Internet Banking Free Free Free
RTGS Payment - Branch/Internet Banking Rs 2Lakh to Rs 5 Lakh: Rs 25/transaction First 2 transaction in a month-Free. Thereafter, with charges as below. First 10 transactions in a month-Free. Thereafter, with charges as below.
Above Rs 5 Lakh-Rs 50/transaction Rs 2Lakh to Rs 5 Lakh: Rs 25/transaction Rs 2Lakh to Rs 5 Lakh: Rs 25/transaction
Above Rs 5 Lakh-Rs 50/transaction Above Rs 5 Lakh-Rs 50/transaction
NEFT Payment - Branch/Internet Banking Up to Rs 10000-Rs 2.5/transaction First 2 transaction in a month-Free. Thereafter, with charges as below. First 10 transactions in a month-Free. Thereafter, with charges as below.
Above Rs 10000 to Rs 1 Lakh:Rs 5/transaction Up to Rs 10000-Rs 2.5/transaction Up to Rs 10000-Rs 2.5/transaction
Above Rs 1 Lakh to Rs 2 Lakh: 15/transaction Above Rs 10000 to Rs 1 Lakh:Rs 5/transaction Above Rs 10000 to Rs 1 Lakh:Rs 5/transaction
Above Rs 2 Lakh: Rs 25/transaction Above Rs 1 Lakh to Rs 2 Lakh: 15/transaction Above Rs 1 Lakh to Rs 2 Lakh: 15/transaction
Above Rs 2 Lakh: Rs 25/transaction Above Rs 2 Lakh: Rs 25/transaction
IMPS-outgoing Up to Rs 1 Lakh-Rs 5/transaction Up to Rs 1 Lakh-Rs 5/transaction Free
Above Rs 1 Lakh to Rs 2 Lakh-Rs 15/txn Above Rs 1 Lakh to Rs 2 Lakh-Rs 15/txn Free
DD/PO payable at IDFC BANK locations 1 DD/month-free, thereafter charges as under First 2 DD/Month-Free. Thereafter charges as under First 10 DD/Month-Free. Thereafter charges as under
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 Free Free
DD/PO payable at Correspondent bank locations Up to Rs 1 Lakh-Rs 50+ taxes Rs 50/Instrument Rs 50/Instrument
Above Rs 1 Lakh-Rs 100+taxes
Cheque Drawn on us/deposited/ECS-bounce charge
Cheque Deposited-Outward clearing Rs 50/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.(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 (Drawn on us) Rs 225 Rs 225 Rs 225
SI return Charges Rs 50/Instrument Rs 50/Instrument Rs 50/Instrument
ECS Debit Return charges Rs 50/Instrument Rs 50/Instrument Rs 50/Instrument
Collection Service
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 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 lacs up to Rs.5.00 lac Rs.225/
Above Rs.5.00 lacs up to Rs.10.00 lac Rs.250/-
Above Rs.10.00 lacs Rs.280/-(Max)
Outstation cheque collection-Non IDFC Bank Location 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/-
AboveRs.10,000/-up to Rs.1.00 lac Rs.110/- AboveRs.10,000/-up to Rs.1.00 lac Rs.110/- AboveRs.10,000/-up to Rs.1.00 lac Rs.110/-
AboveRs.1.00 lacs uptoRs.5.00 lac Rs.225/ AboveRs.1.00 lacs uptoRs.5.00 lac Rs.225/ AboveRs.1.00 lacs uptoRs.5.00 lac Rs.225/
boveRs.5.00 lacs uptoRs.10.00 lac Rs.250/- boveRs.5.00 lacs uptoRs.10.00 lac Rs.250/- boveRs.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 uptoRs.5.00 lac 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 uptoRs.10.00 lac 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)
Debit Card and ATM Charges
Issuance charge 200 Nil Nil
Annual Fees Rs.120 Rs.150 Rs.150
ATM transaction-IDFC Bank Location(Financial/non- financial) First 5 transaction/Monthly-Free First 5 transaction/Monthly-Free First 10 transaction/Month-Free
ATM transaction-Non IDFC Bank ATMS (Financial-non financial transaction) First 5 transaction/Monthly-Free First 5 transaction/Monthly-Free First 5 transaction/Month-Free.
ATM transaction charges beyond free limit Rs 20+ taxes for financial transaction and Rs 8.5+ taxes for non-financial transaction
Charges for Add on ATM card Rs 150+taxes Free up to 1 card. Beyond that Rs 150+taxes Free up to 1 card. Beyond that Rs 150+taxes
Re-issuance of card (Lost or damaged) Lost: Rs 200+ taxes Lost: Rs 200+ taxes Lost: Rs 200+ taxes
Pin Regeneration(Green Pin) Nil. Nil for all channels Nil for all channels
Through Branch-Rs 50+taxes
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
Cheque Book Facility NA 10 cheque leaves free(Quarterly). Free
Cheque Book beyond Free Limit Rs 2/Cheque leaves. i.e Thereafter Rs 20/40/100 for every additional 10/20/50 cheque leaves respectively.(Min 10 cheque leaves) Rs 2/Cheque leaves. i.e Thereafter Rs 20/40/100 for every additional 10/20/50 cheque leaves respectively.(Min 10 cheque leaves) NA
Miscellaneous Charges
Account Statement Physical (Branch/ Channel) Free by e-mail (Monthly). Free by e-mail (Monthly). Physical copy -Free/Half yearly Free-by e-mail (Monthly). Physical-free/quarterly
Issue of Duplicate/Adhoc statement(Branch/Channel) Rs 50/Instance Rs 50/Instance Rs 50/Instance
Issue of passbook facility Nil Nil. Nil.
Duplicate Passbook Rs 100/passbook. For Previous entries-Rs 20/page. Rs 50/passbook. For Previous entries-Rs 20/page Free
Account Closure Free Free Free
SMS/ E mail Alerts SMS-Rs 15+taxes per quarter SMS-Rs 15+taxes per quarter SMS-Rs 15+taxes 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 Rs 50/Instance Free
Address confirmation-Rs 50/instance
Balance Confirmation Certificate Free Free Free
Record Retrieval Rs 100/Instance Rs 100 per record Rs 100/record
Copy of paid cheque-Nil
Interest/ TDS Certificate One copy free/year One copy free/year One copy free/year
Rs 50/certificate for more than one copy in F.Y Rs 50/certificate for more than one copy in F.Y Rs 50/certificate for more than one copy in F.Y
Stop Payment per Instruction (Particular cheque/Range of cheque) Rs 50/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. The charges as indicated above are subject to periodic revision.
*These charges will be debited to customer account manually till its system readiness

 

IDFC Bank- Schedule of Service Charges (IDFC Rural MSME Asset linked Account)


Utilisation & Cheque Book Charges
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
Charges for utilising limit less than 25% of the loaded limit in the Qtr. Rs. 7500 Per Quarter Rs. 6000 Per Quarter Rs. 5000 Per Quarter
Cheque Book Issuance (Payable at Par: 25 Leaves Book) 3 Cheque books Free per month 2 Cheque books Free per month 1 Cheque book Free per month
Charges of Cheque Book on additional usage per Cheque book ( Cheque book of 25 leaves) Rs. 50 Rs. 50 Rs. 50
Average Outstanding Balance Method Average of Outstanding Balance in the account at the end of each day during the 90 days
Collection
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
Cheque Collection Local Clearing Free Free Free
Outstation Cheque collection IDFC Bank location Free Free Free
Outstation Cheque collection Non IDFC Bank location Instrument value
Upto to Rs. 10000
Above 10000 to Rs. 200000
Above Rs. 200000
Charges
Rs. 50
Rs. 100
Rs. 200
Payments
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
Fund Transfer (between any IDFC Bank Branches) (Online / through Branch) Free Free Free
Payment at Any location of IDFC Bank for clearing in same location through Payable at par Cheque Free Free Free
NEFT (National Electronic Fund Transfer) (Online / through Branch) First 35 Transaction per month are free. Thereafter with charges as below
Upto Rs. 10000 –charge of Rs. 2.50 Rs. 10001 to Rs. 1 Lakh charges of Rs. 5 per transaction
above Rs. 1 Lakh to Rs. 2 Lakh Charges of Rs. 15 per transaction – Rs. 2 Lakh and above Rs. 25 per transaction
First 25 Transaction per month are free. Thereafter with charges as below
Upto Rs. 10000 –charge of Rs. 2.50 Rs. 10001 to Rs. 1 Lakh charges of Rs. 5 per transaction
above Rs. 1 Lakh to Rs. 2 Lakh Charges of Rs. 15 per transaction – Rs. 2 Lakh and above Rs. 25 per transaction
First 10 Transaction per month are free. Thereafter with charges as below Upto Rs. 10000 –charge of Rs. 2.50, Rs. 10001 to Rs. 1 Lakh charges of Rs. 5 per transaction
above Rs. 1 Lakh to Rs. 2 Lakh Charges of Rs. 15 /- per transaction Rs. 2 Lakh and above Rs. 25 per transaction
RTGS (Real Time Gross Settlement) Free Free First 20 Transaction per month are free. Thereafter with charges as below
From Rs. 2 Lakh to Rs. 5 Lakh Charges of Rs. 25 per transaction
-Rs. 5 Lakh and above Rs. 50 per transaction
IMPS Free Free Upto Rs. 1 Lakh Rs. 5 above Rs. 1 Lakh Rs. 15
DD/PO ( payable at IDFC Bank Location)
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
Free Limit Rs. 50 Lakh or 5 per month whichever is earlier Rs. 20 Lakh or 3 per month whichever is earlier Rs. 5 Lakh of 1 per month whichever is earlier
Charges on additional usage Rs. 1/1,000 Min 25 Max Rs. 10000 Rs. 1/1,000 Min 25 Max Rs. 10000 Rs. 1/1,000 Min 25 Max Rs. 10000
DD/PO ( payable at Correspondent Bank Location )
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
Free Limit NIL NIL NIL
Charges on additional usage Rs. 2/1,000 Min 30 Max Rs. 10000 Rs. 2/1,000 Min 30 Max Rs. 10000 Rs. 2/1,000 Min 30 Max Rs. 10000
DD-Duplicate Issuance
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
DD-Duplicate Issuance Rs. 30/ Instrument Rs. 30/ Instrument Rs. 30/ Instrument
DD-Cancellation/Revalidation
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
DD-Cancellation/Revalidation Rs. 30/ Instrument Rs. 30/ Instrument Rs. 30/ Instrument
Cash Transaction
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
Free limit for Cash Deposit at Home Location Branch per month 50% of the loaded limit
Additional charges on incremental Cash deposit at Home Location Branch Rs. 3/1000 Rs. 3/1000 Rs. 3/1000
Free Limit for Cash Deposit at non-home location branch per month Rs. 250000 Rs. 150000 Rs. 100000
Additional charges on incremental deposit at Non-Home Location Branch Rs. 3/1000 min Rs. 50 per transaction Rs. 3/1000 min Rs. 50 per transaction Rs. 3/1000 min Rs. 50 per transaction
Cash withdrawal
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
Cash withdrawal (Home Location) Free Free Free
Cash withdrawal ( Non-Home ) location Free Free Free
Other Features and Charges
Disbursed Limit INR 200 Lakh -INR 500 Lakh INR 50 Lakh -INR 200 Lakh Upto Rs. 50 Lakh
Stop Payment per request Rs. 100 Rs. 100 Rs. 100
Cheque Return (inward) for financial reason Rs. 250 per Cheque Rs. 250 per Cheque Rs. 250 per Cheque
Cheque Return (Outward) IDFC Bank Locations Rs. 50 per Cheque Rs. 50 per Cheque Rs. 50 per Cheque
Internal Transfer Return Charges NIL NIL NIL
ECS debit return charges Rs. 250 per transaction Rs. 250 per transaction Rs. 250 per transaction
Account statement Email – Free Monthly Physical – Free per quarter Email – Free Monthly Physical – Free per quarter Email – Free Monthly Physical – Free per quarter
Adhoc Statement printed per request Rs. 50 Rs. 50 Rs. 50
Record Retrieval Rs. 100 Rs. 100 Rs. 100
Net Banking Free Free Free
SMS / Email Alerts Free Free Free
CMS Cash Collection
CMS Deposits Free Limit: - NIL; INR 3 per 1000
Holiday / Outside City Pick-up 25% Additional plus actual visit charges. (Pre-feasibility is required to be conducted)
Counting at client premise INR 0.35/1000
NACH / ECS Collections
Mandate Set-up Charges INR 5000
Mandate Lodgment INR 25
Charge per transaction INR 5
Minimum charge per ECS/ACH file INR 200
Annexure II
Bharat Baking Rural MSME program  
Processing charges Upto 5%
Stamping charges On Actuals
Temporary Overdraft/Adhoc OD Upto 21% p.a.
Adhoc OD setting up fees(for every instanceof Adhoc setup) Upto 5%
Overdue Interest Upto 24% p.a.
Delay in submission of documents/Stock statements as per sanction letter/collateral security/security creation Upto 12% above sanctioned ROI
prepayment/preclosure of credit facility through balance transfer Upto 6% penalty on Outstanding balance
Stock Audit charges On Actuals
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.

IDFC Bank- Schedule of Service Charges (Home Loans)

Charges
Processing Fees Upto Rs.10,000 To be paid at the time of loan agreement execution
Other charges
    Upto Rs. Remarks
EMI bounce charges Rs.500 For each presentation dishonoured
Repayment instrument swap charges Rs.500 Per repayment change request
Copies of documents Charges Rs.500 Per request for copies
Duplicate list of documents Rs.500 Per request of list of documents
Duplicate No Objection certificate/No Due Certificate Rs. 100 Request in addition to bank’s issued letter
Disbursement cheque cancellation Rs. 500 per cancellation On specific request and as per bank’s internal guidelines
Other Statutory / Mortgage creation charges e.g. Stamp duty, MOD, MOE, etc. On actuals As applicable for each state for creation of mortgage
Charges on account of delayed payments/defaults
    Upto Rs.
Default Interest 2% per month. Default Interest is levied in case of non-payment of the monthly payment. It is charged on the overdue instalment for the defaulted period.
Incidental charges & Expenses Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. Charged on actuals
Fees
    Upto Rs. Remarks
Switch Fees Upto 0.5% Switch Fees is applicable for Variable rate loans for conversion from base rate to MCLR applicable on the outstanding loan amount.
Product Conversion Fees Upto 0.5% Conversion Fees is applicable for Short & Sweet Loan to Simple Home Loan & vice versa and applicable on the outstanding loan amount.
Re-pricing Fees Upto 2% Re-pricing Fee will be charged on loan outstanding. At the request of the borrower, bank at its sole discretion may permit the borrower for repricing of the loan
Part payment fees
    Upto Rs. Remarks
Variable rate home loans OR Hybrid rate loans during the period when the rate of interest is variable NIL  
Fixed rate home loans OR Hybrid rate loans during the period when the rate of interest is Fixed Upto 2% Part payment fees will be charged on loan amount being part paid.
Foreclosure fees
    Upto Rs. Remarks
Variable rate home loans OR Semi fixed rate loans during the period when the rate of interest is variable NIL  
Fixed rate home loans OR Semi fixed rate loans during the period when the rate of interest is Fixed Upto 2% Foreclosure fees will be charged on loan amount being part paid.
Interest Rate
Interest Rate Interest Rate on your loan will be the rate as applicable at the time of loan disbursement. Interest Rate on your loans is linked to the MCLR for the period applicable to your loan.
Reset Frequency
Reset Frequency Interest rate on your loan will be reset from the next EMI cycle date falling post the completion 6 months / 12 months from date of first disbursement of your loan for loans linked to MCLR.

 

IDFC Bank- Schedule of Service Charges (Short & Sweet Home Loans)


Cash and DD charges
    Charges in INR
Cash Deposit Free Limit 1 lac
Cash deposit -Charge above free limit Rs 3 per 1000
DD payable at Correspondent Bank locations Rs 30 per DD
Cheque Return Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
Debit Card & ATM charges
    Charges in INR
Annual charges 250
ATM transactions IDFC Bank Ltd. ATMS Free
ATM transactions Non IDFC ATMS (Cash Withdrawal, Balance Enquiry) “5 Txn per month Free above 5 txn, Balance Enquiry
Rs 8 per Txn, Withdrawal Rs 20 per Txn”
Reissuance (lost or damaged) Free
Cross Country Mark Up for International transactions (POS/ATM) 2 %< /td>
Pin Regeneration Free
Payment Services
    Charges in INR
Intra-Bank Fund Transfer - Branch Free
Intra-Bank Fund Transfer -Internet Banking Free
RTGS Payment - Branch Free
RTGS Payment - Internet Banking Free
NEFT Payment - Branch Free
NEFT Payment - Internet Banking Free
NACH Payment Free
IMPS Free
Payable At Par Cheque Issuance Free
DD payable at IDFC BANK locations Free
DD - Duplicate Issuance Free
DD Cancellation/ revalidation Free
Miscellaneous Services
    Charges in INR
Account Statement Physical ( Branch/ Channel) Free
Payable at Par Cheque Book Free
Account Closure Free
SMS/ E mail Alerts Free
Phone Banking Free
Net Banking Free
Mobile Banking Free
Standing Instruction- Set Up/ Execution/ Amendment Free
Bill Payment- Net Banking Free
Bankers Verification (Photo/ Signature/ Address) Free
Balance Confirmation Certificate Free
Record Retreival Free
Interest/ TDS Certificate Free
Stop Payment per Instruction Free
Balance Enquiry (Branch/ Channels) Free

 

IDFC Bank- Schedule of Service Charges (Loan Against Property)


Charges
Items (INR) Loan Against Property Remarks
Processing fees Upto 1% of Loan Amount Taken at the time of loan agreement execution
Other Charges
Other Charges Upto Rs.  
EMI bounce charges Rs.500 For each presentation dishonoured
Repayment instrument swap charges Rs.500 Per repayment change request
Copies of documents Charges Rs.500 per request for copies / list of documents
Duplicate List of documents Rs.500 per request of list of documents
Duplicate No Objection certificate / No Due Certificate Rs.100 Request in addition to bank's issued letter
Disbursement cheque cancellation Rs. 500 per cancellation On specific request and as per bank's internal guidelines
Other Statutory / Mortgage creation charges e.g. Stamp duty, MOD, MOE, etc. on actuals As applicable for each state for creation of mortgage
Charges on account of delayed payments / defaults
Default Interest 2% per month. Default Interest is levied in case of non-payment of the monthly payment. It is charged on the overdue instalment for the defaulted period
Incidental charges & Expenses Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. Charged on actuals.
Switch Fees
Switch Fees Upto 0.5 % Switch Fees is applicable for Variable rate loans for change in the applicable benchmark MCLR tenure on the outstanding loan amount.
Product Conversion Fees
Product Conversion Fees Upto 0.5 % Conversion Fees is applicable for Short & Sweet Loan to Simple Loan against property & vice versa and applicable on the outstanding loan amount.
Re-pricing Fees
Re-pricing Fees Upto 2 % Re-pricing Fee will be charged on loan outstanding. At the request of the borrower, bank at its sole discretion may permit the borrower for repricing of the loan.
Incidental charges & Expenses Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. Charged on actuals.
Part payment fees
  Individuals MSME borrowers Others
Floating rate loans/ Hybrid rate loans during the period when the rate of interest is floating rate. NIL NIL For part prepayments more than 25% of the opening principal of the financial year, charges will be levied upto the rate of 2% (plus taxes & surcharge)
Fixed rate OR Hybrid rate loans during the period when the rate of interest is fixed
NIL for loans upto Rs 50 lacs
Loans above 50 Lacs
For part prepayments more than 25% of the opening principal of the financial year, charges will be levied upto the rate of 2%
For part prepayments more than 25% of the opening principal of the financial year, charges will be levied upto the rate of 2%
Foreclosure charges
  Individuals
MSME borrowers others
Floating rate loans NIL NIL 4% of principal outstanding if loan foreclosed within 12 months of loan disbursement 2% of principal outstanding after 12 months of loan disbursement.
Fixed Rate Loans
NIL 4% of principal outstanding if loan foreclosed within 12 months of loan disbursement 2% of principal outstanding after 12 months of loan disbursement.
Interest Rate
Interest Rate on your loan will be the rate as applicable at the time of loan disbursement. Interest for the month will be charged on the last day of the month for Short & Sweet LAP loan & on the EMI cycle for other loans basis loan outstanding on daily basis for actual number of days in a month. Interest Rate on your loans is linked to the MCLR rate for the period applicable to your loan.
Re-Pricing frequency
As per the applicable MCLR tenor. The reset date will be 1st day of next month for Short & Sweet accounts and EMI cycle date for other loans.

 

IDFC Bank- Schedule of Service Charges (Short & Sweet LAP loans)


Cash and DD charges
    Charges in INR
Cash Deposit Free Limit 1 lac
Cash deposit -Charge above free limit Rs 3 per 1000
DD payable at Correspondent Bank locations Rs 30 per DD
Cheque Return Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
Debit Card & ATM charges
    Charges in INR
Annual charges 250
ATM transactions IDFC Bank Ltd. ATMS Free
ATM transactions Non IDFC ATMS (Cash Withdrawal, Balance Enquiry) “5 Txn per month Free above 5 txn, Balance Enquiry
Rs 8 per Txn, Withdrawal Rs 20 Per Txn”
Reissuance (lost or damaged) Free
Cross Country Mark Up for International transactions (POS/ATM) 2 %
Pin Regeneration Free
Payment Services
    Charges in INR
Intra-Bank Fund Transfer - Branch Free
Intra-Bank Fund Transfer -Internet Banking Free
RTGS Payment - Branch Free
RTGS Payment - Internet Banking Free
NEFT Payment - Branch Free
NEFT Payment - Internet Banking Free
NACH Payment Free
IMPS Free
Payable At Par Cheque Issuance Free
DD payable at IDFC BANK locations Free
DD - Duplicate Issuance Free
DD Cancellation/ revalidation Free
Miscellaneous Services
    Charges in INR
Account Statement Physical ( Branch/ Channel) Free
Payable at Par Cheque Book Free
Account Closure Free
SMS/ E mail Alerts Free
Phone Banking Free
Net Banking Free
Mobile Banking Free
Standing Instruction- Set Up/ Execution/ Amendment Free
Bill Payment- Net Banking Free
Bankers Verification ( Photo/ Signature/ Address) Free
Balance Confirmation Certificate Free
Record Retreival Free
Interest/ TDS Certificate Free
Stop Payment per Instruction Free
Balance Enquiry (Branch/ Channels) Free

 

IDFC Bank- Schedule of Service Charges (Personal Loans )


Fees
    Upto Rs. Remarks
Processing fees Processing Fees will be deducted from the loan amount at the time of disbursal
Up to 2.0% of loan amount
Collected at the time of loan disbursal
Other charges
    Upto Rs. Remarks
EMI bounce charges Rs.500 For each presentation dishonoured
Repayment instrument swap charges Rs.500 per change request
Statement of Account (Adhoc/Duplicate) Nil  
Duplicate No Objection certificate / No Dues Certificate Rs.100 Per request, in addition to Bank's issued letter
Disbursement cancellation Rs. 500 per cancellation On specific request and within 5 working days of loan disbursal, processing fees to be retained by the Bank
Charges on account of delayed payments / defaults
Overdue Interest 2.5% per month. Overdue Interest is levied in case of non-payment of the monthly payment. It is charged on the overdue installment for the defaulted period.
Incidental charges & Expenses Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. Charged on actuals.
Part Prepayment fees
    Upto Rs. Remarks
Simple Personal Loans Not applicable Part Prepayment Facility not available for Simple Personal Loans
Smart Personal Loans NIL - For part prepayment up to 40% of loan amount in a year
any part prepayment will be allowed after payment of the third EMI
Foreclosure charges
    Upto Rs. Remarks
Simple Personal Loans and
Smart Personal Loans
3% on Principal Outstanding, at the time of loan closure
Foreclosure will be allowed after the payment of the third EMI
Interest Rate
Interest Rate Interest Rate on your loan will be the rate as applicable at the time of signing the loan agreement basis actuals. Interest for the month will be charged on the EMI cycle basis loan outstanding on daily basis for actual number of days in a month
Registration Charges Agreement registration charges will be on actuals, to be deducted from the loan amount at the time of disbursal
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 Bank and shall be binding on customer. In case customer is related person to IDFC Bank, GST, as may be applicable, needs to be paid by customer.
Note: The above stipulated Schedule of Charges is subject to be revised from time to time by the Bank as will be updated on the official website of the Bank

 

IDFC Bank- Schedule of Charges for Commercial Vehicle Loan


Charges
Processing fees (Non-Refundable) New/Used Loans: up to 0.50% of the Loan Amount
Stamp Duty At Actuals
Valuation At Actuals
Asset Verification At Actuals
EMI Return Rs. 500/- per EMI bounce
Cheque/ECS Swap Rs. 500/- per transaction [Other bank to IDFC swapping - nil]
Duplicate Amortisation Schedule Rs. 200/- per schedule
Loan Re-scheduling /Rebooking Rs. 1500/- per loan
Duplicate/Special NOC Rs. 500/- per instance
Statement of Account Rs. 200/- per statement
Foreclosure/Prepayment [Within one year] 4.00% of the POS

[After one year] 2.00% of the POS
Service Charges Up to 1.5 % of the loan Amount
Legal/Collection/Repossession and Incidental
Charges Incidental charges are those expenses
That are not budgeted or specified but are
Incurred by the bank on behalf of the customer
At Actuals
Loan Cancellation Loan Cancellation Charges Rs-1000/-
(Gap interest to be borne by customer along with No refund/waiver
of Processing fee, Stamp Duty and any other charges)
Note
In the event of cancellation of loan, interest charges from disbursement date till refund of disbursement amount will be borne by the customer. Processing fees, Stamp duty are non refundable charges and would not be waived/refundable in case of loan cancellation.
Above charges are inclusive of Goods and Services Tax(GST)

IDFC Bank- Schedule of Service Charges (Trade Finance and Services)

Imports
  Charges Minimum (INR)
1. Letters of credit issuance commission    
Commitment 0.15% per Quarter or part thereof 2000
Sight / Usance (upto 30 days) 0.15% flat 2000
Usance (30 to 90 days) 0.30% flat 2000
Usance (Over  90 days) 0.30% flat for first 3 months + 0.1% per additional month or part thereof 3000
Retirement (FX Through Bank) 0.15% flat 1000
Retirement (No FX Through Bank) 0.25% flat 1000
Amendments to LCs    
Financial same as Imports LC Issuance  
Non - Financial INR 1500  
Cancellation of LCs INR 1500  
2. Documentary Collections    
Import Bills on Collections 0.15% flat 1500
Import Bills - Direct Collections 0.15% flat 1500
Advance Import Payment 0.15% flat 1500
3. Other    
Follow up charges for non submission of Bill of Entry (per reminder) INR 250  
BEF Reporting Charges (per reporting) INR 750  
Commission in lieu of exchange (in case of debit from EEFC/RFC/SFC account) 0.25% flat 1000
Bills Returned Unpaid (Overdue > 90 days) USD 100  
Discrepancy fee per bill – Import bill USD 100  
4.Trade Credits    
Processing charge for Letter of Undertaking/ Letter of Comfort INR 2500  
Handling charges for Roll Over requests INR 1500  
Exports
  Charges Minimum (INR)
1. Letters of credit    
Advising Letter of Credit (LC) INR 1500  
Advising LC Amendments INR 1500  
Request for cancellation of LCs INR 1500  
Transfer of LCs  INR 2500  
2. Export Negotiations and Collections    
Negotiation/Scrutiny / Examinations of documents under Confirmed / Unconfirmed LC 0.15% Flat 1500
Export Bills on Collections 0.0625% flat 1500
Export Bills on Collections - Under LC (Under Approval, Without Scrutiny) 0.0625% flat 1500
3. Others    
Handling GR of bills directly dispatched by drawers INR 2000  
SOFTEX Realization / Handling charges  INR 2000  
Bank Realization Certificate Charges INR 300  
Extension of time for realisation of export proceeds INR 1500  
Write off / Reduction in invoice value of export bills INR 1500  
Follow up for submission of Order Copy for Packing credit INR 500  
Follow up charges for o/s export bills (overdue, follow up with foreign bank) INR 500  
Request to change Buyer / Consignee INR 1500  
Export Advance follow up  INR 750 per quarter  
Issuance of GR waiver Certificate (approved by us) INR 2500  
Bank Guarantees (BG)
  Charges Minimum (INR)
1. Financial BG's    
Issuance against 100 % Cash Margin 1.5% p.a. (Min. One Quarter) 1500
Issuance against Non Fund Based Line 3 % p.a. (Min. One Quarter) 1500
2. Non-Financial BG's (Bid / Performance)    
Issuance against 100 % Cash Margin 1.25% p.a. (Min. One Quarter) 1500
Issuance against Non Fund Based Line 2.5 % p.a. (Min. One Quarter) 1500
Amendment to Guarantees    
Financial Same as Issuance Charges  
Non - Financial INR 1500  
Cancellation of Guarantees INR 1500  
Invocation Charges INR 1000  
Co-acceptance commission Same as Financial Guarantee Issuance  
Issuance of Shipping Guarantee / Delivery Order - over & above BG Issuance charges) INR 1500  
Follow up for non submission of documents under Delivery Order issued INR 1000  
Remittances
  Charges Minimum (INR)
1. Outward Remittances    
On all foreign currency remittances other than for payment of imports 0.25% flat 500
2. Inward Remittances    
Processing of Inward Remittance INR 1000  
Issuance of FIRC / FIRA INR 500  
Duplicate FIRC / FIRA INR 1000  
Inland Trade
  Charges Minimum (INR)
1. Letters of credit     
Commitment 0.25% per Quarter or part thereof 2000
Sight / Usance (upto 30 days) 0.25% flat 1500
Usance (30 to 90 days) 0.40% flat 2000
Usance (Over  90 days) 0.40% flat for first 3 months + 0.25% per additional month or part thereof 3000
Retirement 0.20% flat 1000
Amendments to LCs    
Financial same as Inland LC Issuance  
Non - Financial INR 1500   
LC Cancellation INR 1500  
Discrepancy fee per bill INR 2000  
2. Discounting    
LCBD / BD / Invoice Financing / PO Financing ( In addition to finance charges) INR 1000  
Negotiation of bills under LCs issued by us 0.25% flat 500
3. Collections    
Documentary Collection Inward 0.25% flat 2500
Documentary Collection Outward 0.25% flat 2500
Outward Bills Under Inland LC 0.25% + INR 1500 Scrutiny 3500
4. Other    
Follow up for overdue Bills (per follow up per bill) - Outward Collection Bills INR 500  
Dishonoured bills / document return charges INR 1000  
Miscellaneous
  Charges Minimum (INR)
Status Report (per report) INR 10000  
1. Swift / SFMS Charges    
LC Issuance INR 1500  
Amendments to LC INR 1000  
Other Swift Messages/Follow-ups/Tracers INR 750  
2. Courier    
Domestic INR 500  
International INR 1000  
Merchanting Trade Transaction INR 5000  
Follow up - Merchanting Trade Transaction (opposite leg) INR 500  
Any requests to other banks INR 1000  

IDFC Bank Schedule of Charges - Bharat Banking Retail Loans


Charges
Product JLG MEL TW CV EHL
Cheque Bounce Charges NIL Rs. 250/- Rs. 250/- Rs. 350/- Rs. 350/-
Penal Charges NIL Rs. 200/- Rs. 200/- Rs. 250/- Rs. 250/-
Cheque / ECS Swap Charges NIL Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/-
Pre-PaymentCharges (Foreclosure) NIL 4% of the o/s Principal 4% of the o/s Principal 4% of the o/s Principal 4% of the o/s Principal
Processing Fee 1% (Applicable if
Loan Amount > Rs.25000/-)
2% of the Loan Amount 2% of the Loan Amount 1 - 2% of the Loan Amount 1 - 2% of the Loan Amount
Administrative / Document Fee NIL NIL Rs.750/ - To Rs.1000/- NIL NIL

IDFC Bank Schedule of Charges - Bharat Banking


Charges
Items (INR) HL/LAP Remarks
Application Fees Rs 1000 This fee will be collected at the time of application and would be non-refundable.
Processing Fees Up to 1% of the sanctioned Loan amount subject to minimum of Rs 1000 and maximum of Rs 5000. For LAP, maximum Rs 10000 This fee will be collected at the time of disbursement.
Other Charges
  Upto Rs.  
EMI bounce charges Rs.500 for each presentation dishonoured
Repayment instrument swap charges Rs.500 per repayment change request
Copies of documents Charges Rs.500 per request for copies / list of documents
Duplicate List of documents Rs.500 per request of list of documents
Duplicate No Objection certificate / No Due Certificate Rs.100 Request in addition to bank's issued letter
Disbursement cheque cancellation Rs. 500 per cancellation on specific request and as per bank's internal guidelines
Other Statutory / Mortgage creation charges e.g. Stamp duty, MOD, MOE, etc. on actuals as applicable for each state for creation of mortgage
Legal & technical verification charges on actuals would be collected before initiation of legal & technical verifications.
Charges on account of delayed payments / defaults
Default Interest 2% per month. Default Interest is levied in case of non-payment of the monthly payment. It is charged on the overdue instalment for the defaulted period.
Incidental charges & Expenses Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. Charged on actual
Re-pricing Fees Upto 2 % Re-pricing Fee will be charged on loan outstanding. At the request of the borrower, bank at its sole discretion may permit the borrower for reprising of the loan.
Part payment/foreclosure fees
Variable rate home loans OR Hybrid rate loans during the period when the rate of interest is variable. NIL
 
Foreclosure charges
Floating rate loans Nil if loan is extended to Individual
 
Loan to non individual or for fixed rate of interest 4% of principal outstanding if loan is foreclosed within 12 months
2% of principal outstanding if foreclosed after 12 months