• Text size:

    S M L

  • Letter spacing:

WhatsApp banking

WhatsApp banking

Right Arrow

Say ‘Hi 👋’ on WhatsApp at 9555 555 555 & we’ll get back to you instantly

Track Requests

Track Requests

Right Arrow

View & track all your past and active service requests.

Raise a Request

Raise a Request

Right Arrow

Facing issues? Let us know how we can help you

Locate Us

Locate Us

Right Arrow

Locate your nearest IDFC FIRST Bank branches and ATMs

Add a compliment

Add a compliment

Right Arrow

Our customers are talking, and we think you’ll like what they’re saying.

Customer care

Customer care

Right Arrow

We will be happy to help you 24x7.

Help Center Icon

Help Center

Right Arrow

Support topics, FAQs and more

QR code for IDFC app download

Download our app

Get instant help for all your queries in one place

Pay Login
Customer Service Contact us Service request Locate a branch Customer Service
Explore Personal
Explore Credit Cards
WhatsApp banking

WhatsApp banking

Right Arrow

Say ‘Hi 👋’ on WhatsApp at 9555 555 555 & we’ll get back to you instantly

Track Requests

Track Requests

Right Arrow

View & track all your past and active service requests.

Raise a Request

Raise a Request

Right Arrow

Facing issues? Let us know how we can help you

Locate Us

Locate Us

Right Arrow

Locate your nearest IDFC FIRST Bank branches and ATMs

Add a compliment

Add a compliment

Right Arrow

Our customers are talking, and we think you’ll like what they’re saying.

Customer care

Customer care

Right Arrow

We will be happy to help you 24x7.

Help Center Icon

Help Center

Right Arrow

Support topics, FAQs and more

QR code for IDFC app download

Download our app

Get instant help for all your queries in one place

Download now!

Business Account Fees and Charges

Image

Details

Description of Charge/ Feature
Standard Charges
Silver Plus Current Account
Gold Current Account
Platinum Current Account
Average Monthly Balance Requirement
-
₹25,000
₹50,000
₹2,00,000
Charges for Non-maintenance of required balance
-
₹1000
₹1000 + Std charges applicable
AMB: 50K- 2 Lakh - Rs. 1000; AMB: < 50K - ₹1000 + Std charges applicable
Cash Deposit Free Limit
-
10 times Current month AMB (Max - ₹50 Lacs p.m.)
12 times Current month AMB
15 times Current month AMB
Cash deposit charges beyond free limit
₹3 per ₹1000 Min.50
Std Charge
Std Charge
Std Charge
Cash Withdrawal
-
FREE
FREE
FREE
Cheque Book Issuance
Free upto 25 cheque leaves p.m. thereafter ₹2 per leaf
Free upto 100 cheque leaves on maintenance of AMB, otherwise std charges
FREE
FREE
Cheque Return charges
Issued:- Up to 2nd: ₹500 per chq, 3rd onwards: ₹750 per chq
Deposited:- ₹200 per chq
Std Charge
FREE
FREE
ECS/ NACH Return
Upto 3 returns : ₹350 per instance 4th return onward : ₹750 per instance
Std Charge
FREE
FREE

Debit Card & ATM Charges

Description of Charge/ Feature
Standard Charges
Silver Plus Current Account
Gold Current Account
Platinum Current Account
Debit Card Type
-
VISA Platinum
VISA Platinum
VISA Signature
Debit Card Issuance
-
FREE
FREE (Opt for VISA Signature at ₹500)
FREE (Opt for VISA Signature at ₹500)
Debit Card Annual
-
FREE
VISA Platinum: FREE
VISA Signature: ₹500
VISA Signature: FREE
VISA Platinum: FREE
Debit Card Replacement
₹200
Std Charge
FREE
FREE
No. of ATM transactions - Own Network
-
FREE
FREE
FREE
No. of ATM transactions - Other Bank Network
5 transactions free p.m. thereafter Financial : ₹20 per txn Non Financial : ₹8 per txn
Std Charge
FREE
FREE
International ATM / POS transaction
Cash withdrawal : ₹125
Balance enquiry: ₹25
Std Charge
FREE
FREE
International Transaction Mark-up
Cross Currency Markup : 3.5%
Std Charge
FREE
FREE
Decline Charge for Insufficient balance at ATM
₹25 per txn
Std Charge
FREE
FREE
PIN Generation (Physical)
₹40
Std Charge
FREE
FREE

Payment Services

Description of Charge/ Feature
Standard Charges
Silver Plus Current Account
Gold Current Account
Platinum Current Account
RTGS - Outward
-
FREE
FREE
FREE
NEFT - Outward
-
FREE
FREE
FREE
IMPS - Outward
0-1000: ₹3.5 per txn 1001-1L : ₹5 per txn > 1L: ₹15 per txn
Std Charge
FREE
FREE
DD Issuance
₹100 per issuance
Std Charge
FREE
FREE
DD- Cancellations/ revalidation
₹50 per instance
Std Charge
FREE
FREE
Stop payment charges
Per Instrument : ₹100, Per Series: ₹200
Std Charge
FREE
FREE

Collection Services

Description of Charge/ Feature
Standard Charges
Silver Plus Current Account
Gold Current Account
Platinum Current Account
Local Cheque collection
-
FREE
FREE
FREE
Outstation cheque collection - Bank location
-
FREE
FREE
FREE
Outstation Cheque Collection - Correspondent Bank locations
-
FREE
FREE
Outstation cheque collection - Other locations
-
FREE
FREE
FREE

Other Charges

Description of Charge/ Feature
Standard Charges
Silver Plus Current Account
Gold Current Account
Platinum Current Account
Account Statement Physical (Branch)
₹100 per statement
Std Charge
FREE
FREE
Account Closure (From account opening date)
Up to 14 days OR Beyond 12 months : NIL
15 days to 6 months : ₹500
6 months to 12 months : ₹250
Std Charge
FREE
FREE
SMS/ Email alerts
-
FREE
FREE
FREE
Standing instructions
SI Setup - NIL;
SI Reject (Monthly) - Up to 3 returns : ₹250 per instance
4th return onward : ₹750 per instance
Std Charge
FREE
FREE
Bill payment - Netbanking
-
FREE
FREE
FREE
Banker's Verification (Photo/ Signature/ Address)
₹100 per request
Std Charge
FREE
FREE
Balance Confirmation Certificate
₹100
Std Charge
FREE
FREE
Record Retrieval
₹80 per record
Std Charge
FREE
FREE
Interest Certificate at Branch
₹100
Std Charge
FREE
FREE
Balance Enquiry (Branch)
-
FREE
FREE
FREE
Mandate Registration Charges
₹40
Std Charge
FREE
FREE
Any deliverable returned by courier due to negative reasons (No such consignee/ consignee shifted and non-existent address)
₹50 per instance
Std Charge
FREE
FREE

Charges for Smaller Denomination (Cash Deposit)

1% on the value of cash deposited in Low Denominations (Currency notes and coins of denomination Rs. 50 and below), exceeding 10,000 per month in either single or multiple transactions.

Download Schedule of Charges here

Platinum Current Account

Platinum Current Account

3 pages146 KB

Gold Current Account

Gold Current Account

3 pages146 KB

Silver Plus Current Account

Silver Plus Current Account

2 pages827 KB

Silver Plus Gold and Platinum Current Account

Silver Plus Gold and Platinum Current Account

3 pages148 KB

Agri Multiplier Account

Agri Multiplier Account

2 pages160 KB

Merchant Multiplier Account

Merchant Multiplier Account

2 pages918 KB

Titanium, Palladium, Quantum Accounts' SOC

Titanium, Palladium, Quantum Accounts' SOC

4 pages129 KB

World Business Account Platinum & Gold

World Business Account Platinum & Gold

4 pages209 KB

First Startup Current Account

First Startup Current Account

2 pages259 KB

TASC Savings Account – Self-Help Group

TASC Savings Account – Self-Help Group

2 pages176 KB

Dynamic Business Account

Dynamic Business Account

2 pages1,519 KB

RERA accounts

RERA accounts

2 pages235 KB

IDFC FIRST Enterprise Account

IDFC FIRST Enterprise Account

2 pages266 KB

Dynamic TASC Current Account &amp; Savings Account (w.e.f. 1<sup>st</sup> September 2024)

Dynamic TASC Current Account & Savings Account (w.e.f. 1st September 2024)

2 pages58.0 KB

Dynamic TASC Current Account &amp; Savings Account (Applicable till 31<sup>st</sup> August’24)

Dynamic TASC Current Account & Savings Account (Applicable till 31st August’24)

2 pages1,562 KB

Current Account- 10k, 25k, 50k, 100k (Discontinued)

Current Account- 10k, 25k, 50k, 100k (Discontinued)

2 pages 101 KB

Freedom Current Account , Customisable Current Account &amp; World Business Account (Discontinued)

Freedom Current Account , Customisable Current Account & World Business Account (Discontinued)

2 pages49.3 KB

Dynamic Plus TASC Current Account &amp; Savings Account (Discontinued)

Dynamic Plus TASC Current Account & Savings Account (Discontinued)

2 pages58.4 KB

Regular Business Account- 10K/Dynamic 10K Merchant Account (Discontinued)

Regular Business Account- 10K/Dynamic 10K Merchant Account (Discontinued)

2 pages101 KB

Regular Business Account 1 Lakh (Discontinued)

Regular Business Account 1 Lakh (Discontinued)

2 pages85.5 KB

New Business Account (Discontinued)

New Business Account (Discontinued)

2 pages284 KB

World Business Account- 25k, 50k, 1 lakh (Discontinued)

World Business Account- 25k, 50k, 1 lakh (Discontinued)

2 pages48.2 KB

Freedom World Business Account (Discontinued)

Freedom World Business Account (Discontinued)

2 pages1,224 KB

TASC 10K Account (Discontinued)

TASC 10K Account (Discontinued)

2 pages151 KB

Silver Current Account

Silver Current Account

2 pages838 KB

Trade Charges - World Business Account -25K, 50K, 100K, Freedom WBA (Discontinued)

Trade Charges - World Business Account -25K, 50K, 100K, Freedom WBA (Discontinued)

2 pages2.5 MB

FIRST Booster &amp; Advantage Account (w.e.f. 23<sup>rd</sup> Dec 2025) - Discontinued

FIRST Booster & Advantage Account (w.e.f. 23rd Dec 2025) - Discontinued

2 pages305 KB

ON A MISSION TO BUILD THE WORLD’S MOST

CUSTOMER-FRIENDLY BANK