IDFC Bank - Schedule of Charges for Savings Accounts


Average Monthly Balance Requirement Rs. 25,000
Transactions & Services which you enjoy without any charges
Passbook Issuance & Printing Stop Payment on Cheques
Alerts for transactions on your account Setting up or cancelling Standing Instruction
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
Internet 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 deposited & bounced Rs. 50
Cheque issued & bounced 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.
DD payable at Correspondent Bank locations Rs 30
Re-issue of Cheque Book Rs. 50 per cheque book
DD payable at branch locations Rs. 30
Re-issue / 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 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 Setting up or cancelling Standing Instruction
Phone Banking Balance Confirmation Certificate
Internet 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 deposited & bounced Rs. 50
Cheque issued & bounced 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
DD payable at Correspondent Bank locations Rs 30
Re-issue of Cheque Book Rs. 50 per cheque book
DD payable at branch locations Rs. 30
Re-issue / 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 Thruput (Q) Non Maintainance 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 Rs 30 per DD Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
Regular Business Account 1 lac 10 lacs Rs 3 per 1000 Rs 30 per DD 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 Rs 30 per DD 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 Rs 30 per DD Cheque deposited – Rs. 50 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 Rs 30 per DD 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 5 DDs (cap of Rs.10 lacs per DD) Above which charged at Rs.30/- per DD 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 5 DDs (cap of Rs.10 lacs per DD) Above which charged at 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.500/-
ATM transactions IDFC Bank ATMS ( Financial & Non Financial Transactions) Free
ATM transactions Non IDFC Bank 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 transaction 2% mark up of the transaction value
Pin Regenaration 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/-
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 (Asset Dynamic Business Account)


Details
  Average Monthly Balance (AMB)* Trade Thruput (Q) Non Maintainance 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 – Commercial and Wholesale Banking)


Details
  Average Monthly Balance (AMB)* Non Maintainance 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 Free Limit Cash deposit -Charge above free limit DD payable at Correspondent Bank locations Cheque Return
CA Zero Bal( For Wholesale banking- to be offered to large corporates ) 25 lacs Rs 3 per 1000 Rs 30 per DD Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
CA-GovtContracted Balance Unlimited Rs 3 per 1000 Rs 30 per DD Cheque deposited – Rs. 50 per cheque
Cheque issued – Rs. 250 per cheque
SA-GovtContracted Balance 1 cr 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 ( Finacial & Non Finacial Transactions) Free
ATM transactions Non IDFCBank ATMS ( Finacial & Non Finacial 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 Regenaration 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
ECS Collection - Transaction Free Free Free
ECS Collection - Mandate (New / Modify / Cancel) Rs 25 per mandate Free Free
NACH Collection - Transaction Free Free Free
NACH Collection - Mandate (New / Modify / Cancel) Free Free Free
Cheque Collection - Local Clearing Free Free Free
Outstation Cheque Collection - IDFC BANK locations Rs 25 per cheque Free Free
Outstation Cheque Collection - Other locations Rs 50 per cheque Free Free
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.
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+ ST
Above Rs 1 Lakh-Rs 100+ST
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/Instrument
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+ S.T for financial transaction and Rs 8.5+ taxes for non-financial transaction
Charges for Add on ATM card 150+ST
Renewal Fees for ATM card Nil
Re-issuance of card(Lost or damaged) Rs 200+ ST
Card Replacement Fees Rs 150+ST
Pin Regeneration(Green Pin) Nil
Through Branch-Rs 50+ST
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+ST 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
Average Quarterly Balance(AQB) 3000 10000
Charges for non maintenance of average quarterly balance(Quarterly) 200 300
AQB Method Average of the closing credit balance in the account at the end of each day during the 90 days.
Account Opening Amount Nil. Account has to be funded immediately after account opening.
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 Debit card 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+ S.T 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 Free Free
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
  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.
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+ ST Rs 50/Instrument Rs 50/Instrument
Above Rs 1 Lakh-Rs 100+ST
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 Nil Nil Nil
Annual Debit card 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+ S.T for financial transaction and Rs 8.5+ taxes for non-financial transaction
Charges for Add on ATM card Rs 150+ST Free up to 1 card. Beyond that Rs 150+ST Free up to 1 card. Beyond that Rs 150+ST
Renewal Fees for ATM card Rs.150+ST Rs.150+ST Rs.150+ST
Re-issuance of card(Lost or damaged) Lost: Rs 200+ ST. Lost: Rs 200+ ST. Lost: Rs 200+ ST.
Card Replacement Fees Rs.150+ST Rs.150+ST Rs.150+ST
Pin Regeneration(Green Pin) Nil. Nil for all channels Nil for all channels
Through Branch-Rs 50+ST
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 10 cheque leaves-Free/Annum. 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+ST per quarter Free Free
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.

 

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
Cash Deposit at home location
Free limit per month 50% of the loaded limit
Additional charges on incremental deposit Rs. 3/1000 Rs. 3/1000 Rs. 3/1000
Free Cash Deposit at non-home location branch per month Rs. 250000 Rs. 150000 Rs. 100000
Additional charges on incremental deposit 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

IDFC Bank- Schedule of Service Charges (Home Loans)


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.
Variable rate home loans OR Hybrid rate loans during the period when the rate of interest is variable NIL
Interest Rate
Interest Rate Interest Rate on your loan will be the rate as applicable at the time of loan disbursment. Interest for the month will be charged on the last day of the month for Short & Sweet home 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 period applicable to your loan.
Re-pricing Frequency
Reset Frequency Interest rate on your loan will be reset based on the period of MCLR applicable to your loan.
*-Service Tax, other government taxes and levies as applicable will be levied on all fees and charges.
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 Service Charges (Short & Sweet Home Loans)


Cash and DD charges
    For each presentation dishonoured
VCash 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
    For each presentation dishonoured
Annual charges Nil
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 Regenaration Free
Payment Services
    For each presentation dishonoured
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
    For each presentation dishonoured
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)


These charges apply to Savings Accounts, Senior Citizen, Minor’s Saving Account
Transactions / Events when you will be charged
Cheque Returns
Indian Rupee Inward Clearing
1st Instance
 
1st Instance Rs.350/-
2nd Instance Rs.750/-
Fund Transfer Return Rs.350/-
Foreign Currency Cheque Credit Rs.1000 + Corresponding Bank Charges
Cash Transactions by anybody other than the customer at our branches
Limited to one transaction and INR 50,000 per day
Rs. 100
International ATM Cash Withdrawal Rs.100
International ATM Balance Enquiry Rs.25
Transactions & Services which you enjoy without any charges
ATM withdrawals and balance enquiry at any ATM in India Re-issue / Replacement of Debit Card or Annual Debit Card fees
Cheque book Re-order (Non available for BSBDA & BSBDA Small) Stop Payment on cheques
Duplicate Statements Setting up or cancelling Standing Instruction
Alerts for transactions on your account Cash Deposit / Withdrawal at our branches by the customer
Electronic Funds Transfer (NEFT/ RTGS/ IMPS) Inward & Outward Outstation Check Collection
Foreign Currency Draft Issuance Signature & Photo Verification
Transactions & Services where you only pay actual expenses
Demand Draft Issuance (correspondent bank charge of INR XX will apply for non IDFC Branch locations) Foreign Currency Wire Transfers (only correspondent bank charges, where applicable)
Effective 1st June 2015, all charges if applicable, will attract Service Tax @14%

IDFC Bank- Schedule of Service Charges (Personal Loans Products)


Fees
    Upto Rs. Remarks
Processing fees Up to 2.5% 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 NIL 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 as per Bank's internal guidelines
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 25% of loan outstanding in a year
2% - On part prepayment over 25% of loan outstanding in a year
Yearly cycle starts on disbursal date
Any part prepayment will be allowed after payment of the first EMI Minimum part prepayment amount needs to be Rs.10000
Foreclosure charges
    Upto Rs. Remarks
Simple Personal Loans 2.5% on Principal Outstanding, at the time of loan closure Foreclosure will be allowed after payment of the first EMI
Smart Personal Loans 2% on Principal Outstanding, at the time of loan closure Foreclosure will be allowed after payment of the first 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