Verified Bank Tariff

IDFC FIRST Bank Limited Charges & Fees

Charges verified
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6 checked rules · 5 fee categories · 3 account variants

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.

Figures are the bank’s own, before GST unless a rule says otherwise.Last verified
IDFC FIRST Bank Limited
Cheapest: RTGS freeCostliest: Minimum balance up to ₹500

At a glance

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

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Verified Fee Categories for IDFC FIRST Bank Limited

Most-searched IDFC FIRST Bank Limited chargesVerified figures, each named with its account

Most-searched IDFC FIRST Bank Limited charges

Verified figures only, each named with the account it applies to.

ChargeVerified figureMore
SMS alertNot verified yet
Demand draft (DD)Not verified yet
RTGS
  • ₹0 (Free) · No GST added · Savings Account — Common Service Charges
IMPS
  • ₹0 (Free) · No GST added · Savings Account — Common Service Charges
NEFT
  • ₹0 (Free) · No GST added · Savings Account — Common Service Charges
Minimum balance
  • 6% of shortfall, max ₹500.00 · + 18% GST · Savings Account — ₹10,000 AMB Variant
  • 6% of shortfall, max ₹500.00 · + 18% GST · Savings Account — ₹25,000 AMB Variant
Cheque returnNot verified yet
LockerNot verified yet
Cheque charges1 checked entry
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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.

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

Verified on 2026-08-15

IMPS charges1 checked entry
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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.

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

Verified on 2026-08-15

Minimum balance charges2 checked entries
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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.

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

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.

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

Verified on 2026-08-15 · Effective: 2025-01-01

NEFT charges1 checked entry
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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.

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

Verified on 2026-08-15

RTGS charges1 checked entry
Compare this charge across all banks →

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.

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

Verified on 2026-08-15

What IDFC FIRST Bank Limited prints on your statementStatement narrations · 4 decoded

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 CHG

A charge for cheque leaves issued beyond the free allowance for the year.

IMPS CHG

A charge on an IMPS instant transfer.

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 IDFC FIRST Bank Limited quietly deducting every year?
Annual Account Leakage Audit

How much is IDFC FIRST Bank Limited quietly deducting from your account every year?

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Audit My IDFC FIRST Bank Limited Fees
Official IDFC FIRST Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Official Tariffs: Visit IDFC FIRST Bank Limited’s official website
Disputing a Wrongful Charge at IDFC FIRST 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 IDFC FIRST 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 IDFC FIRST 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 (IDFC FIRST Bank Limited)4 questions

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).