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Introducing the First-in-industry IDFC FIRST Bank's Super Account
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You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
Know More- Account with Auto-Sweep FD
- Account for all Domestic businesses
- Account for Importers & Exporters
- Account for Start-ups
- Accounts for Trusts/Associations/Societies/Clubs
- Account for Merchants
- Account for Agri Traders
- Account for Self-employed professionals
- Special Purpose Accounts e.g. SNRR, RERA, EEFC
BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Streamline your export process with digital convenience with IDFC FIRST Bank's Export Solutions
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Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
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Charges
| Items | Charges | Remarks |
|---|---|---|
| Processing Fees ( Inclusive of Administrative Charges ) |
Upto 3.5% of loan amount | Taken at the time of loan agreement execution |
Other Charges
| Items | Charges | Remarks |
| Repayment instrument swap charges | Nil | |
| Duplicate No Objection certificate /No Dues Certificate | ₹500 | Per extra copy requested beyond the original issued by the bank |
| Other Statutory / Facilitation charges e.g. Stamp duty etc | on actuals | |
| Cancellation & booking charges | • INR 10,000 towards Cancellation in case of uncashed disbursal Cheque. • INR 10,000 + Interest from date of disbursal till receipt of cancellation request, in case of uncashed disbursal Cheque. Please note: Cancellation request to be received within 30 days, post which cancellation will be treated as foreclosure. |
|
| Physical repayment schedule | ₹500 | |
| Physical statement of loan | ₹500 | |
| Cheque swap charges | Nil | |
| Document retrieval charges |
NA | |
| Stamping Charges |
As per actuals | |
| Part Payment charges |
Part Payment is not allowed |
Charges on account of delayed payments / defaults
| Items | Charges | Remarks |
|---|---|---|
| Late Payment/Penal Charges/Default Interest/Overdue(Per Month) |
2% of the unpaid EMI or ₹300 whichever is higher | No GST Applicable for Penal Charges |
| EMI Pickup/Collection Charges |
₹500 | |
| EMI bounce charges | 7.5% of EMI bounced with minimum charge of Rs. 400 & maximum of Rs. 1000 (excluding GST) | Effective from April 1, 2025 |
| Overdue handling charges (Delinquent Accounts) | At actuals plus applicable taxes | |
| Technical Bounce Charges* | Charge rates would be same as applicable under EMI bounce charges |
*Mandate Rejection technical Bounce Charges (for mandate rejected by your bank, to be charged for each month from 3rd consecutive bounce month onwards until the mandate is registered)
Foreclosure charges
5% of principal outstanding. Waiver in the foreclosure charges are provided to MSME's as per guidelines.
Charges on Dropline Overdraft facility
1. Annual Renewal Charge - 0.5% of the limit
2. Under-Utilisation Charges - If average quarterly utilisation is <25% of drawing power, then quarterly 0.25% will be charged on the difference between actual average utilisation and expected average utilisation (i.e. 25%), subject to a minimum of Rs.2500
3. Penal Charges on overdrawn accounts – 2% per annum on the overdrawn amount. No GST Applicable for Penal Charges
4. Interest bounce charges - 7.5% of Interest bounced with minimum charge of Rs. 400 & maximum of Rs. 1000 (excluding GST) Effective from April 1, 2025
5. Technical Bounce Charges* - Charge rates would be same as applicable under Interest bounce charges
*Mandate Rejection technical Bounce Charges (for mandate rejected by your bank, to be charged for each month from 3rd consecutive bounce month onwards until the mandate is registered)
