Verified Bank Tariff

IDBI Bank Limited Charges & Fees

Charges verified
8
8 checked rules · 4 fee categories · 2 account variants

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.

Figures are the bank’s own, before GST unless a rule says otherwise.Last verified
IDBI Bank Limited
Cheapest: RTGS freeCostliest: Minimum balance up to ₹600

At a glance

IDBI Bank Limited’s own figures, before GST. Tap a figure for its source.

Verified Fee Categories for IDBI Bank Limited

Debit card charges1 checked entry
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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.

GST: Does not apply (Zero tax)
Official Source Schedule

Verified on 2026-08-15 · Effective: 2026-04-01

Minimum balance charges3 checked entries
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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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-08-15 · Effective: 2026-02-01

NEFT charges2 checked entries
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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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Does not apply (Zero tax)
Official Source Schedule

Verified on 2026-08-15 · Effective: 2026-02-01

RTGS charges2 checked entries
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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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Does not apply (Zero tax)
Official Source Schedule

Verified on 2026-08-15 · Effective: 2026-02-01

What IDBI Bank Limited prints on your statementStatement narrations · 4 decoded

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 FEE

A one-time fee charged when a debit card is issued to you.

MIN BAL CHG

A penalty for not keeping the required average balance in your account for the month or quarter.

NEFT CHG

A charge on an outward NEFT transfer. Under RBI rules NEFT sent through internet or mobile banking on a savings account carries no charge.

RTGS CHG

A charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.

Annual Account Leakage AuditHow much is IDBI Bank Limited quietly deducting every year?
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Official IDBI Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Official Tariffs: View IDBI Bank Limited’s official Schedule of Charges PDF · Visit Official Website
Disputing a Wrongful Charge at IDBI Bank LimitedDispute & Refund Assistance · RBI three-level route

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.

LEVEL 1

Branch / Helpdesk Ticket

Email IDBI Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.

LEVEL 2

Principal Nodal Officer

If unresolved within 7 days, escalate to IDBI Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.

LEVEL 3

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?

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Frequently Asked Questions (IDBI Bank Limited)4 questions

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?

Annual debit card charges at IDBI Bank Limited depend on the issued card variant (Classic, Platinum, Millennia, or Signature) plus 18% GST. Customers can also request basic RuPay Classic cards which feature nil or minimal AMC under RBI financial inclusion norms.

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).