Rural MSME Asset Linked Account Fees & Charges

Open Account

Open 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 FIRST Bank location	Free	Free	Free
Outstation Cheque collection Non IDFC FIRST 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 FIRST Bank Branches) (Online / through Branch)	Free	Free	Free
Payment at Any location of IDFC FIRST Bank for clearing in same location through Payable at par Cheque	Free	Free	Free
NEFT (National Electronic Fund Transfer) (Online / through Branch)	Free	Free	Free
RTGS (Real Time Gross Settlement)	Free	Free	Free
IMPS	Free	Free	Upto Rs. 1 Lakh Rs. 5 above Rs. 1 Lakh Rs. 15

DD/PO ( payable at IDFC FIRST 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 Deposit

Disbursed Limit	INR 200 Lakh -INR 500 Lakh	INR 50 Lakh -INR 200 Lakh	Upto Rs. 50 Lakh
Free limit for Cash Deposit at Home Location Branch per month	50% of the loaded limit
Additional charges on incremental Cash deposit at Home Location Branch	Rs. 3/1000	Rs. 3/1000	Rs. 3/1000
Free Limit for Cash Deposit at non-home location branch per month	Rs. 250000	Rs. 150000	Rs. 100000
Additional charges on incremental deposit at Non-Home Location Branch	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 Transaction

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

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 FIRST 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

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