Verified Bank Tariff
IDFC FIRST Bank Limited Charges & Fees
Complete official Schedule of Charges for IDFC FIRST Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
How much is IDFC FIRST 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 IDFC FIRST Bank Limited
Cheque
1 checked entry
IMPS
1 checked entry
Minimum balance
2 checked entries
NEFT
1 checked entry
RTGS
1 checked entry
IDFC FIRST Bank Limited
Cheque charges
Savings Account — Common Service Charges · General
₹0 (Free)
Trigger Condition
IDFC FIRST Bank Savings Account variants covered by the current zero-fee banking promise; AMB non-maintenance charges remain separately applicable.
Verified on 2026-08-15
IDFC FIRST Bank Limited
IMPS charges
Savings Account — Common Service Charges · General
₹0 (Free)
Trigger Condition
IDFC FIRST Bank Savings Account. The official page lists IMPS among fund-transfer options available through internet banking, mobile app, ATMs and branch visits and states these transfers are without any additional charges.
Verified on 2026-08-15
IDFC FIRST Bank Limited
Minimum balance charges
Savings Account — ₹10,000 AMB Variant · General
6% of shortfall, max ₹500.00
Trigger Condition
Required AMB: Rs 10,000. Applies to the IDFC FIRST Bank Savings Account ₹10,000 AMB variant. From 01-Jan-2025, the official page states the charge is 6% of the AMB shortfall or Rs500, whichever is lower.
Verified on 2026-08-15 · Effective: 2025-01-01
Savings Account — ₹25,000 AMB Variant · General
6% of shortfall, max ₹500.00
Trigger Condition
Required AMB: Rs 25,000. Applies to the IDFC FIRST Bank Savings Account ₹25,000 AMB variant. From 01-Jan-2025, the official page states the charge is 6% of the AMB shortfall or Rs500, whichever is lower.
Verified on 2026-08-15 · Effective: 2025-01-01
IDFC FIRST Bank Limited
NEFT charges
Savings Account — Common Service Charges · General
₹0 (Free)
Trigger Condition
IDFC FIRST Bank Savings Account. The official page lists NEFT among fund-transfer options available through internet banking, mobile app, ATMs and branch visits and states these transfers are without any additional charges.
Verified on 2026-08-15
IDFC FIRST Bank Limited
RTGS charges
Savings Account — Common Service Charges · General
₹0 (Free)
Trigger Condition
IDFC FIRST Bank Savings Account. The official page lists RTGS among fund-transfer options available through internet banking, mobile app, ATMs and branch visits and states these transfers are without any additional charges.
Verified on 2026-08-15
What IDFC FIRST Bank Limited prints on your statement
4 narrations decoded against IDFC FIRST Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.
IMPS CHGA charge on an IMPS instant transfer.
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 IDFC FIRST 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 IDFC FIRST 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 IDFC FIRST 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 (IDFC FIRST Bank Limited)
What is the minimum balance (AMB) requirement in IDFC FIRST Bank Limited?
In IDFC FIRST 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 IDFC FIRST Bank Limited?
Debit card maintenance charges at IDFC FIRST Bank Limited are billed annually based on card variant plus 18% GST.
Can IDFC FIRST 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), IDFC FIRST 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 IDFC FIRST Bank Limited?
To dispute a wrongful deduction at IDFC FIRST 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 IDFC FIRST 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).