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Bank Balance Certificate: What are its uses?

Key Takeaways

  • Key Takeaway ImageA bank balance certificate is an official document that confirms the funds available in your account on a particular date.
  • Key Takeaway ImageIt is often required for loan applications, visa processing, or business approvals as proof of financial credibility.
  • Key Takeaway ImageIDFC FIRST Bank customers can apply for a balance certificate online via net banking or mobile app, or by visiting the nearest branch.
  • Key Takeaway ImageCharges for a balance certificate vary but usually range between ₹50 and ₹200.
28 Nov 2025 by Team FinFIRST

Managing finances often requires submitting official proof of your account balance. That’s where a bank balance certificate comes in. At IDFC FIRST Bank, customers can easily apply for a balance certificate through online and mobile banking, ensuring convenience, transparency, and quick access to essential financial documentation.

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What is a bank balance certificate?

A bank balance certificate is official proof of the balance in your bank account. The certificate provides clarification regarding the funds that exist in your bank account on the requested date. It is a crucial document most financial institutions ask for when offering loans or credit products. 

In addition, when you apply for a visa to move abroad for higher education, authorities may want to know the financial status of sponsors and whether they can bear the expenses. Several government organisations need a balance certificate before approving business registrations or licenses. 

How to get a bank balance certificate?

You can apply for a bank balance certificate either online or offline. Most banks provide an online facility wherein you can log into your online bank account and request a bank balance certificate. You can also visit the bank branch at your convenience and apply for the certificate in person.

At IDFC FIRST Bank, the process is simple and customer friendly. Savings account holders can log into the mobile banking app or net banking platform and request the certificate digitally. This ensures faster turnaround and eliminates the need for physical paperwork.

An online balance certificate is system authorised and valid without manual signatures, which means it can be submitted directly to the concerned authorities. The certificate consists of the list of all your accounts and balances. With IDFC FIRST Bank savings accounts, you enjoy not just convenient certificate access but also benefits like high savings account interest rates, monthly interest credits, unlimited free ATM withdrawals, and higher transaction limits.

You can also retrieve your balance certificate offline by applying to the nearest bank branch. Once you receive the certificate, verify all the details to ensure accuracy.

A bank balance certificate isn’t just a statement of numbers—it’s proof of trust, stability, and financial readiness.

How does a balance certificate differ from an account statement?

A balance certificate is an official document that specifies the funds you hold in your bank account on a particular date. It can be used for verification by various authorities. In contrast, a bank statement is the list of all the transactions performed through an account.

A balance certificate is thus a snapshot of your funds, while an account statement is a detailed history of transactions.

Bank balance certificate charges

When you opt for a balance certificate, you may need to pay a service charge to the bank. The amount varies depending on the bank’s policy, and it can be anywhere between ₹50 to ₹200, including or excluding GST.

At IDFC FIRST Bank, charges are clearly communicated upfront, ensuring transparency and a hassle-free customer experience.

Conclusion
 

With a simple online application, bank balance certificates are easy to retrieve. These are crucial documents for loan applications, getting visas for higher studies, and more. When getting your certificate, verify the details and check for inconsistencies.

IDFC FIRST Bank makes the entire process effortless through its secure digital platforms and customer-first policies. Open an IDFC FIRST Bank savings account today to enjoy not only convenient access to essential documents like balance certificates but also attractive benefits like monthly interest credits, zero-fee banking services, and higher interest rates on your savings.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.

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