Verified Bank Tariff
IDBI Bank Limited Charges & Fees
Complete official Schedule of Charges for IDBI Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
How much is IDBI Bank Limited quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Verified Fee Categories for IDBI Bank Limited
Minimum balance
3 checked entries
NEFT
2 checked entries
Other charge
1 checked entry
RTGS
2 checked entries
IDBI Bank Limited
Minimum balance charges
Advantage Savings Account · General
6% of shortfall, max ₹600.00
Trigger Condition
Advantage Savings Account; Metro/Urban branch category. Required MAB: Rs 10,000. Charge is 6% per month of MAB shortfall, maximum Rs600.
Verified on 2026-08-15 · Effective: 2026-02-01
Advantage Savings Account · General
6% of shortfall, max ₹150.00
Trigger Condition
Advantage Savings Account; Rural branch category (excluding the separately listed Rural-FI category). Required MAB: Rs 2,500. Charge is 6% per month of MAB shortfall, maximum Rs150.
Verified on 2026-08-15 · Effective: 2026-02-01
Advantage Savings Account · General
6% of shortfall, max ₹300.00
Trigger Condition
Advantage Savings Account; Semi-Urban branch category. Required MAB: Rs 5,000. Charge is 6% per month of MAB shortfall, maximum Rs300.
Verified on 2026-08-15 · Effective: 2026-02-01
IDBI Bank Limited
NEFT charges
Advantage Savings Account · Branch
Up to Rs 10,000: ₹2.00 · Above Rs 10,000 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh to Rs 2 lakh: ₹15.00 · Above Rs 2 lakh: ₹25.00
Trigger Condition
IDBI Advantage Savings Account; NEFT initiated through Branch Channel. Net/Mobile Banking NEFT is represented separately as free.
Verified on 2026-08-15 · Effective: 2026-02-01
Advantage Savings Account · Other
₹0 (Free)
Trigger Condition
IDBI Advantage Savings Account. 'Other' groups only the two source-named digital channels: Net Banking and Mobile Banking.
Verified on 2026-08-15 · Effective: 2026-02-01
IDBI Bank Limited
Other bank charges
Basic Savings Account with Complete KYC · Other
₹0 (Free)
Trigger Condition
IDBI Bank Basic Savings Account with Complete KYC, Scheme Code RSBA2, only. The current Schedule of Facilities dated 01-Apr-2026 lists RuPay Classic Debit Card issuance / annual fee as Free. This rule models the zero card fee only and does not generalize to Advantage or other savings variants.
Verified on 2026-08-15 · Effective: 2026-04-01
IDBI Bank Limited
RTGS charges
Advantage Savings Account · Branch
Rs 2 lakh to Rs 5 lakh: ₹24.50 · Above Rs 5 lakh: ₹49.50
Trigger Condition
IDBI Advantage Savings Account; RTGS initiated through Branch Channel. Net/Mobile Banking RTGS is represented separately as free.
Verified on 2026-08-15 · Effective: 2026-02-01
Advantage Savings Account · Other
₹0 (Free)
Trigger Condition
IDBI Advantage Savings Account. 'Other' groups only the two source-named digital channels: Net Banking and Mobile Banking.
Verified on 2026-08-15 · Effective: 2026-02-01
What IDBI Bank Limited prints on your statement
4 narrations decoded against IDBI Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.
MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.
NEFT CHGA charge on an outward NEFT transfer. Under RBI rules NEFT sent through internet or mobile banking on a savings account carries no charge.
RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.
Disputing a Wrongful Charge at IDBI Bank Limited
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email IDBI Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to IDBI Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (IDBI Bank Limited)
What is the minimum balance (AMB) requirement in IDBI Bank Limited?
In IDBI Bank Limited, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for IDBI Bank Limited?
Debit card maintenance charges at IDBI Bank Limited are billed annually based on card variant plus 18% GST.
Can IDBI Bank Limited deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), IDBI Bank Limited is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by IDBI Bank Limited?
To dispute a wrongful deduction at IDBI Bank Limited: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to IDBI Bank Limited's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).