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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
| Particulars | Up to Rs. | Remarks |
| Processing Fees | Up to 3% of loan amount. Upfront PF / IMD to be paid at the time login and balance at the time of loan agreement execution | - |
| 1) Duplicate No Objection Certificate Issuance Charges 2) Document retrieval charges (per physical document) 3) EMI Pick up/ Collection Charges |
₹ 500 | 1) Request in addition to bank’s issued letter 2) Per retrieval request 3) Per Pick up /collection |
| EMI Bounce charges per presentation | 7.5% of EMI bounced with minimum charge of Rs. 400 & maximum of Rs. 1000 (excluding GST) *Revised bounce charges are effective from April 1, 2025 |
For each presentation dishonoured |
| Cheque/ Instrument Swap charges (per swap) | NIL | - |
| 1) Copies of documents 2) List of Documents 3) Repayment Schedule 4) Statement of Account |
Soft copy - NIL Physical copy ₹ 500 |
1) Per request for copies 2) Per request of list of documents 3) Per physical repayment schedule request 4) Per physical Statement of Account request |
| 1) Stamp Duty & other statutory charges 2) Equitable mortgage creation charges 3) Equitable mortgage cancellation charges |
As applicable for each state | - |
| MCLR to EBR type |
NIL | - |
| Cancellation & Rebooking Charges | 1% of the loan amount + interest from date of disbursal till receipt of cancellation request | Cancellation request to be received within 30 days or 1st EMI presentation date, post which cancellation will be treated as foreclosure |
| Switch Fees (For rate repricing) | 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 |
| Switch Fee (For interest type) | • Switching from Floating Rate of interest to Fixed rate of interest: 0.1% of principle outstanding amount or Rs.10,000/- whichever is lower, excluding applicable taxes. • Switching from Fixed Rate of interest to Floating Rate of interest will attract a fee of upto 2% of the principle outstanding amount. • Switching from higher Fixed Rate of interest to lower Fixed Rate of interest will attract a fee of upto 1 % of the principle outstanding amount. Note: Interest rate type can be switched two times during the entire tenure of the loan. Once interest rate is switched from floating rate to fixed rate, it will not be allowed to switch back to floating rate for minimum three years from the date of switch. |
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| Penal Charges for Delay of Payment (Non payment of EMI/ installment/ amount payable). Penal charges will be levied to customer post expiry of grace period of 7 days | 2% per month of the unpaid EMI or Rs 300 whichever is higher. | - |
| 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 | - |
| Foreclosure / Prepayment / Part Payment charges | For loans having floating rate of interest : i. Foreclosure / Prepayment/ Part Payment charge: NIL For loans having fixed rate of interest for entire tenure: i. Foreclosure / Prepayment/ Part Payment charge: Upto 2% of the principle outstanding amount, excluding applicable charges/taxes. For loans having hybrid rate of interest: i. If Foreclosure/ Prepayment/ Part Payment is done during floating rate: NIL ii. If Foreclosure/ Prepayment/ Part Payment is done during fixed rate: Upto 2% of the principle outstanding amount, excluding applicable charges/taxes |
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| Reset Frequency | Loans booked from 1st October 2019 onwards which are linked with EBR (External Benchmark Rate) would be reset every 3 months. | |
| Insurance | Specialized insurance products funded with Home Loans | |
| Initial Money Deposit/ Application Fees (Non-refundable) | Upto 5000 IMD/Application Fees is part of Processing fees | - |
| 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). |
- |
| Loan rescheduling charges (per rescheduling) | NIL | - |
Interest Rate
All loans disbursed on or before 30th September 2019 would continue to be linked with MCLR.
| Product | External Benchmark (a) |
Fixed Spread over External Benchmark (b) |
| Housing Loan | Repo | 2% |
- • Additional Premium (c) up to 750 bps will be added depending on customer risk profile, product strategy, market competition etc, which will be over and above the (a) External Benchmark (b) Fixed Spread over External Benchmark
- • Premium will be fixed at the time of the origination of the loan and will not be changed unless the borrower’s credit assessment undergoes a substantial change, as agreed upon in the loan contract.
- • The Repo Rate will be updated on a quarterly basis and any change in the Repo Rate will be passed on to the customers on the next reset date.
GST, as applicable, will be levied on all service charges. The above 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.
Short & Sweet Home Loan Fees & Charges
Short & Sweet Home Loan Fees and Charges. Charges are exclusive of GST
| Particulars | Up to Rs. |
| Cash Deposit Free Limit | 1 lac |
| Cash deposit -Charge above free limit | ₹3 per 1000 |
| DD payable at Correspondent Bank locations | ₹30 per DD |
| Cheque Return | Cheque deposited – ₹50 per cheque Cheque issued – ₹250 per cheque |
| Annual charges | Free |
| 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 ₹8 per Txn, Withdrawal ₹20 per Txn |
| Reissuance (lost or damaged) | Free |
| Cross Country Mark Up for International transactions (POS/ATM) | 2% |
| Pin Regeneration | Free |
Payment and Miscellaneous Services
| Particulars | Up to Rs. |
| 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 |
| 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 |
