Basic Savings Account with complete KYC (February 01,2023)

Schedule of Facilities- Charges are Exclusive of GST

First 4 Customer Induced Debit transactions per month free; thereafter Rs.20 per transaction upto 10th will be charged over & above the respective transanction
charges. Maximum 10 Customer induced Debit transactions (viz. ATM, Branch, Inet transactions etc) are allowed in 1 month ; thereafter no further debit transactions will
be allowed.
Scheme Code - RSBA2
MAB Requirement (Monthly Average Balance) Zero
Rupay Classic Debit Card
Issuance / Annual Fee Free
One/additional add-on card per account Free
Replacement of Lost/ Stolen card Free
Re PIN Generation Free
IDBI Bank ATM Non Financial / Financial Transaction Free
4 transactions Free per month, thereafter
Other Bank ATM Non Financial - Rs 8 per transaction
Financial - Rs 21 per transaction
Non Financial - Rs 30 per transaction
International ATM
Financial- Rs 140 per transaction
Transactions declined due to insufficient Balance at IDBI Bank
Rs. 20 per Instance
ATM / other Bank ATMs / International ATM
ATM Cash Withdrawal Limit Rs 10,000/- (Per Day)
POS Limit (Point of Sale) Rs 10,000/- (Per Day)
E-Commerce (online)Transcations Rs 10,000/- (Per Day)
Contact Less card Transcations limit Rs 10,000/- (Per Day)
1) Default,Debit Card is enabled for Domestic usage only at ATM & POS as per RBI [Link] enabling & managing Domestic E-Commerce / Contactless transaction &
International Usage,kindly download and use IDBI Bank Abhay App / Go Mobile+ App or contact Branch / Customer Care for assistance.
2) For all domestic POS transactions,PIN will be prompted to complete the [Link] Domestic Transaction upto Rs.5,000/- can be done without PIN.
3) Above mentioned ATM, POS , E-Commerce & Contactless Limits are separate for Domestic & International
Cheque Book
1st Yr of Account opening
20 Cheque Leaves Free
Personalised Multicity /Local cheque book
All Subsequent Years 20 Cheque Leaves Free
Rs. 5 per cheque Leave above Free Limit
Account statements
Statement Daily Weekly Quarterly
- Physical from Branch Rs.100/- per statement
- By Post/Courier Rs.100/- per statement plus courier charges Free
- By e-mail Rs.5/- Rs.5/- Free
Duplicate Statement at the branch Upto 1 Year - Rs. 100/-; Above 1 Year - Rs. 300/-
Email - Rs. 25/- per Occasion
Duplicate Statement through Alternate Channel
Post/Courier - Upto 1 Yr - Rs. 100/-; Above 1 Yr - Rs.300/-
Passbook Free
Duplicate Passbook Free
Miscellaneous
Interest Certificate Free
Balance/Signature or Photo verification certificate/Banker's report Free
Foreign inward remittance certificate As per Trade Finance guidelines
Standing instructions Free
Overseas mailing Actual Mailing charges
Above 1 yr & less than 2 yr Rs.150/- per Item
Old Record (Subject to Availability)
2 years and thereafter, Rs.100/- per [Link],subject to Max of Rs. 750/-
Copy of Original of Cheque/Draft (paid by the Bank) Rs. 150/- per Instance
1st occasion (after account opening) Free
Addition/Deletion of Names in Accounts/Nominations/Change in
Beyond 1st occasion, for every Addition/Deletion of Name/change in
Operational Instructions Rs. 100/-
Nomination/Operational Instructions
Allowing operations through power of Attorney/Mandate Not Allowed
Change of Authorised Signatory in Accounts Rs. 300/- per Instance (Exempted - change due to death of existing signatory
Faclity of Sweep/Linking of Accounts (Sweep Out Only) Not Allowed
Sweep out Trigger facility Charges NA
Tax Payment Challan retrieval beyond 2 years for Net Banking Users Rs.50 /- per request
Mandate Registration Charge Free
Issue of Duplicate Confirmation Of Deposit( COD) Rs.150 per Instance
Remittances
Demand Drafts (Branch/Non Branch Location)/ Payorder* Free
Payable at Par utilisation Free
Foreign currency demand drafts / international money orders As per Trade Finance guidelines
DD/ payorder cancellation (Domestic) Free
DD/ payorder cancellation (Foreign Currency) As per Trade Finance Guidelines
NEFT (Through Branch /Net Banking /Mobile Channel)* Free
RTGS (Through Branch Channel) Free
IMPS ( Through Net Banking/Mobile Banking/Branch Channel)* Free

* Subject to Maximum 4 Free Customer Induced Debit transactions per month; thereafter appliacable charges upto 10th transcation . No further debit transaction allowed.
 Any Branch Banking
Any branch cheque deposits and account to account transfers Free
Cash deposits (Home & Non Home Branch)
Free
Cash deposits Non - Home Branch - Max. Rs. 10,000/- per day
Home Branch Cash withdrawal Free
Non Home Branch Cash withdrawal (By self only) Free (upto Rs 50,000/- per day only)
The services allows you to operate your account from any IDBI bank branch across [Link] Party cash withdrawal not allowed from Non Home Branch
Cheque transaction charges
Cheque collections (Branch/Non branch locations) Local / Outstation - Free. Only other Bank commission recovered
Speed Clearing outside CTS Grid (Service charges for Speed
Free
Clearing within the CTS grid jurisdiction is waived)
Foreign currency cheque collection As per Trade Finance guidelines
Cheque stop payment instructions-Branch/NetBanking/Mobile banking/IVRS
Per Cheque Leaf Rs. 100
Per Range of Cheque Leaves Rs. 500/-(Max)
Alternate Channel Banking
SMS Alerts Free
For Debit Card holders Rs.100/-
INET Banking Password (Through Branch Channel) For Non-Debit Card holders Free for first time
subsequent Password Rs.50/-
Online VISA Card Remittance (Excl. IDBI Bank credit card payment) Rs. 5/- per transaction
Charges
ECS/NACH/ACS returned Slab (Rs.)
Upto Rs.25 lakh Rs.500 per instance
Financial reasons
Above Rs.25 lakh Rs.700 per instance
Technical reasons Free
Cheque issued and returned
Upto 2nd instance per
Slab(Rs.) Beyond 2nd instance per quarter
quarter
Financial reasons Up to Rs.10,000 Rs.500 Rs.500
Above Rs.10000 - Rs.25 lac Rs.500 Rs.750
Beyond Rs.25 lac Rs.1000 Rs.1500
Technical reasons Free
Cheque deposited and returned
Upto Rs.1 lac Rs.150/-
Local / Oustation cheque
Beyond Rs.1 lac Rs.250/-
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).
Charges for collection of paper based instrument other than
Rs.10/1000( Min Rs.100/-, Max Rs.1000/-)
regular cheque
Standing Instruction Rejection/Failure Rs. 225 per instance)
Unarranged overdraft / Cheque Purchase (A + B) (Subject to approval)
Per occasion (A) Rs.115
Interest (B) 19.75%
Account Closure
NIL
* Reckoned from the date of issuance of card

1. The Savings Bank Account is essentially an account to build up savings and should be used to route transactions of only non-business/ non-commercial nature. It should not be used as a Current
Account. If the Bank at any stage finds that the Savings Bank Account is being used either for the purpose for which it is not allowed or for the purpose of routing transactions which are dubious or
undesirable, the Bank reserves the right to close such Savings Bank Account.
2. GST applicable on above charges will be additional.
3. If there are no transactions in the account for a period of two years, the account will be treated as an inoperative account. The customer should thus transact on the account periodically, so that it does not
become inoperative. In case there are no customer induced debit, credit and/or third party transactions in the account, it may be classified as inoperative. The service charges levied by the Bank and/or
interest credited by the Bank would not be considered as customer induced transactions.
4. Availing of the Anywhere Banking facility and the At Par Cheque facility is contingent upon the limits and service charges stipulated for these facilities.
5. Any change of address should be immediately communicated in writing to the Bank.
6. Opening of the Saving Account tantamount to deemed acceptance of the aforesaid rule & regulations as well as the fact of being informed about the various service charges being levied by the Bank and
the terms and conditions guiding related products and services.

Declaration: I/we confirm that we do not hold Basic Savings Bank Deposit Account in any other Bank. In case of Mode of Operation instruction as Either or survivor/Former or
survivor/ Anyone or survivor, we jointly agree and authorize IDBI Bank Ltd. to pay the principle along with interest and permit premature withdrawals of the Sweep out fixed deposit on
written instruction from any one of us, any day before the maturity.I/ we have read / understood the terms and condition as applicable to Account opening / Scheme Code upgrade or
downgrade and other operational aspect. I / We understand that the terms and condition may be revised by the Bank from time to time. I /we shall also be responsible for regularly
reviewing these terms, including the amendments that are posted on the website. I / we also agree to pay charges as per the Bank Policy. (P&T and swift charges applicable)

Signature of first holder Signature of Second holder Signature of Third holder