START UP Current Account

Start-UP CURRENT ACCOUNT - SCHEDULE OF FACILITIES

Scheme Code-RCEAZ, RCGEN
(Effective from February 01, 2023; Charges are exclusive of GST)
(MAB (Monthly Average Balance) Requirement Metro/Urban Semi-urban Rural/Rural FI
1000 500 NIL
Current Account Keeping Charges (per annum) 550 250 50
Charges For Non-Maintenance NIL
Account Opening Amount (Rs.) NIL
Transaction Limit and Charge
Credit Transaction Free and No charges
Debit Transaction Additional charge of Rs 25 per transaction over and above the particular transaction charge will be levied
(Customer induced) beyond 5 customer induced debit transaction per month.
Transaction Charges
Cash Deposit Rs 5/1000/- Min Rs 100
Omni Pay Upto Rs 5000/- Rs 50/-
Cheque (Leaves) Rs 5/ Leaf Above Rs 5000/- to Rs25000/- Rs 75/-
Rs 25001 to Rs 1 lac – Rs 4/- per thousand
or part thereof Min Rs 100/- max Rs 400/-
Above Rs1 lac – Rs 5/- per thousand or part
thereof. Min Rs 500/- Max Rs 12000/-
Net/ Rs.2 lac Above
Slab Branch Mobile Channel
to Rs.5 Rs.5 lac
Banking lac
NEFT Upto to Rs.5000/- Free Rs. 1.00 RTGS
(Charges per (Charges per Rs.24.50/- Rs.49.50/-
Branch
Transaction) Abv Rs. 5000-Rs. 10000 Rs. 2.00 Rs. 1.00 Transaction)
Abv Rs.10000/- to Rs.1 lac Rs. 5.00 Rs. 3.00

Abv Rs.1 lac to Rs.2 lac Rs.15.00 Rs.6.00 Net Banking Rs.15/- Rs.30/-
Abv Rs. 2 lac Rs.25.00 Rs.12.00

Miscellaneous Charges
Cash Withdrawal - Self and Third Party
Free within the overall limit of 5 customer debit
(in case of third party cash withdrawal a 24 hour notice required at Non Home Branch) transaction per month (Home & Non Home Branch)
The service is not available for encashing FD/DD/PO. (NRE/NRO customers will get Above Free Limit: Charges @ ₹ 2/- per ₹ 1,000/-,
facilities as per RBI rules). minimum ₹ 50/- per transaction

BNA Convenience Fee

Rs. 50 per transaction on non working day

Issuance of Duplicate Confirmation of Deposit

Rs. 150 per instance
Fund Transfer - Cheque/ account to account transfer at Non-Home Branch Free
IMPS through Net Banking ,Mobile and Branch Channel Upto ₹ 1000
Above ₹ 1000 to Above ₹ 25000 to Above ₹ 1 lac Above ₹ 5
per
₹ 25000 ₹ 1 lac upto ₹ 5 lac lac
transaction
₹1 ₹5 ₹ 10 ₹ 15 NA
Outstat Range Charges per instruments
ion <=5000 Rs.25/-
(Other
bank
Cheque collection (Branch/Non Branch Locations) >5000- 10,000 Rs.50/-
commi
Local-Free
ssion
will be >10,000- 1,00,000 Rs.100/-
recover
ed >1,00,000 Rs.250/-
separat
ely)
Speed Clearing outside CTS Grid Range Charges / Transaction
(Service charges for Speed Clearing within the CTS grid Upto Rs.1,00,000/- Nil
jurisdiction, waived.) Above Rs.1,00,000/- Rs.150/-
Foreign Currency Inward/Outward Remittances /Certificate As per Trade Finance Guidelines
DD/PO/Omni pay Cancellation Rs 100 per instrument.
Cheque Stop Payment instructions (Branch, Net & Mobile Banking) Rs 100 per leaf and Rs 500 for a Range

Above 1yr & less than 2 yrs – Rs.150/- per Item

Old Record (Subject to availability)
2 yrs and thereafter – Rs.100/- per Item, subject to Max of Rs.750/-
 START UP Current Account
Copy of original of cheque/draft (paid by the bank) Rs.150/- per instance
st
1 occasion (after account opening ) Free
Addition / deletion of names in Accounts/ Nominations / Change st
Beyond 1 occasion for every Addition / deletion of
in operational instructions names in Accounts/ Nominations / Change in operational Rs. 100/-
instructions
Allowing operations through power of attorney/mandate Rs.500 per request

Change of authorized signatory in accounts Rs. 300/- Per Occasion

(exempted for change due to death of the existing signatory)
Charges For Recording Reconstitution of Account Rs.200/-
(No charges in case of Death of account holder)
Facility of Sweep/Linking of accounts (Sweep Out Only) Rs.100/- per instance
Sweep Out Trigger facility charges Rs.5/- per debit in addition to the SI charges
Charges for collection of paper based Instrument other than Rs.10/1000 ( Min Rs.100/-, Max –Rs.1,000)
regular cheque payable through clearing mechanism – Collection of
documents by State Govt. Treasury, KVP, NSC etc. by customers.

TAX Payment Challan retrieval beyond 2 years for Net Rs.50/-

Banking Users
SMS alerts Rs.0.25 per SMS
INET Banking Password (Through Branch Channel) For Debit Card holders :Rs 100/-
For Non-Debit Card holders : Free for first time ,
Subsequent password : Rs 50/-
Statement of Accounts
- Physical from branch/ Post/Courier Rs. 100/- per statement plus actual courier (if applicable) charges.
- email Rs 5/- per statement
Duplicate Statement at the Branch (per instance) Upto 1 year Rs.100/-
Above 1 year Rs.300/-
Duplicate Statements over Telephone Email Rs. 25/- per occasion
Post/Courier Upto 1 year Rs.100/-
Above 1 year Rs.300/-
Overseas Mailing. Actual Courier charges shall be recovered
(To be collected by Branch Manually)
Monthly, Hold Mail facility Free
Certificate (To be collected by Branch Manually)
Balance Confirmation Certificate (per instances)
Photo/Sign. Verification Certificate (per instances) Rs. 100/-
Banker’s report Certificate (per instances)
Interest Certificate (per instances) Once in a year (For IT Return purpose etc.) Free
Additional/Duplicate copies (per copy) Rs.100/-
Standing Instructions
Standing Instructions Rs. 50/- (per instances)
Standing Instruction rejection/failure Rs.225 per instance
Account Closure Charges (To be collected by Branch Manually)
Non Individual Customer (Not applicable to Accounts required to be Within 14 days Nil
closed as per regulatory / statutory or law enforcing norms/ Accounts closed beyond 14 days but within 6 months ₹ 1000/-
directions, Bank induced closures and Deceased Settlement cases.) Accounts closed after 6 months ₹ 500/-
Individual Customer (Not applicable to Accounts required to be closed Within 14 days Nil
as per regulatory / statutory or law enforcing norms/ directions, Bank Accounts closed beyond 14 days but within 6 months ₹1000/-
induced closures and Deceased Settlement cases.)
Accounts closed after 6 months ₹ 500/-
ECS Returned Upto ₹25 lacs: ₹500 per instance : Above ₹25lacs:₹750 per instance
Financial Reason
Financial Reason(Local/Outstation)
Slab (Rs.) Up to Rs 10,001 Beyond
Slab (Rs.) Charge
to
Rs 10,000 Rs 25
25 lakh lakh Up to 1 lakh Rs.150
nd
Up to 2 Rs.500 Rs.500 Rs.1,000
instance/quarter Beyond 1 lakh Rs.250
nd
Beyond 2 Rs.500 Rs.750 Rs.1,500
instance/quarter
Technical Reason Free
 START UP Current Account

Cheque return charges shall be levied only in cases where the customer is at fault and is responsible for such returns. Indicative list
available at the Branch.
Arranged / Unarranged Overdraft / Cheque Purchase (Subject to Per Occasion (A) Rs 115/- (To be collected by Branch Manually)
Approval) Interest (B) 18.75% (auto collection)
Cash Delivery & Pick Up As per Schedule of Charge (SOC) for
Home Banking Facility
CDP Service
Transaction at IDBI Bank ATM First 5 Transactions Free in all cities; Thereafter ₹ 21/-
Non Financail Free
Domestic (Charges per Tran) International (Charges per
Transaction at other Bank ATM Charges per Transaction
Non Financial Rs. 8/- Tran)
Financial Rs. 21/- Non- Financial Rs.30/-
Financial Rs.140/-
Domestic Cash withdrawal transactions declined due to
Rs.20/-
insufficient funds (w.e.f. December 01, 2019)
International Cash withdrawal transactions declined due to
Rs.20/-
insufficient funds
Rs 5/- per transaction inclusive of Service Tax
Visa Credit Card Remittances through Net Banking
[Excluding IDBI Bank Credit Card Payment]
Cash Withdrawal at IDBI ATMs by IDBI card holders First 5 Transactions per month free in all cities, thereafter Rs. 20
Debit-cum-ATM Card Validity Classic Debit-cum-ATM Card
Personalised Debit Card Issuance Fee Domestic/ International Rs.150/-
Domestic First Year Free, Second year onwards Rs.220/-.
Annual Fee
International First Year Free, Second year onwards Rs.220/-.
Domestic First Year Free, Second year onwards Rs.110/-.
Add on Card
International First Year Free, Second year onwards Rs.220/-.
Domestic First Year Free, Second year onwards Rs.110/-.
Replacement of Lost Stolen card
International First Year Free, Second year onwards Rs.220/-.
New PIN Generation Rs 50 for PIN Lost/Forgotten Cases Only
ATM Cash Withdrawal Limit (per day) Rs 50,000
POS Limit (Point of Sale)/ (per day) Rs 50,000
E commerce online Transactions (per day) Effective from 10th Feb, Rs 50,000
2021
Contact Less card Transactions limit Rs. 10,000/- (Per Day) Effective 10th Feb,2021
Important Instructions
1) GST applicable on above charges will be additional.
2) Cash deposit at any branch subject to non-home branch acceptance
Opening of the Current Account tantamount to deemed acceptance of the aforesaid rule & regulations as well as the fact of being
3) informed about the various service charges being levied by the Bank and the terms and conditions guiding the related products and services.
Service charges are subject to change from time to time.
In-Operative Account:-
If there are no transactions in the account for a period of two years, the account will be treated as an inoperative account.
In case there are no customer induced debit, credit and/or third party transactions in the account, it would be classified as
4) inoperative.
The service charges levied by the Bank and/or interest credited by the Bank would not be considered as customer induced
transactions.
The customer should thus transact in the account periodically, so that it does not become inoperative.
Satisfactory conduct of the account entails maintaining sufficient balance to honor cheques issued to third parties. If there are high
5)
incidences to the contrary, the Bank reserves the right to close the account under intimation to the customer.
6) Home Loan / Loan against Property interest saver scheme can be availed under BASIC Current Account.
Declaration: I/We have read / understood the terms and condition as applicable to Account opening and other operational aspect. I/We understand that
the terms and condition may be revised by the Bank from time to time and it will be agreeable to me/us. I/We shall be responsible for regularly
reviewing these terms, including the amendments that are posted on the website. I/We agree to pay charges as per the Bank Policy. I/We also
agree to down- gradation of the account and withdrawal of features, in the event of non-maintenance of required balance.
Signature(s)/ Thumb impression(s) of the account holder (With Seal and stamp)

Authorized Signatory 1 Authorized Signatory 2 Authorized Signatory 2

COMPANY / FIRM SEAL AND STAMP