Indian Bank Charges & Fees

Trigger Condition

Indian Bank accounts closed on transfer to another branch, on the death of the account holder, and accounts held as Basic Savings Bank Deposit Accounts or small accounts, by students, or by pensioners without cheque facility. The schedule states no closure charge for any of these.

Trigger Condition

Indian Bank Current, Overdraft and OCC accounts closed in the stated windows. The categories the schedule exempts from any closure charge are stored as their own rule. GST is additional.

Trigger Condition

Indian Bank Savings Bank accounts closed in the stated windows. The concessional and the no-charge categories the same table lists are each stored as their own rules, so this rule carries the standard figures only. GST is additional.

Trigger Condition

Indian Bank Savings Bank accounts closed within one year of opening, held by individual account holders in rural areas. The schedule states this concessional charge for both the cheque-operated and the non-cheque-operated savings rows. GST is additional.

Trigger Condition

Indian Bank cards where an ATM or BNA withdrawal is declined for insufficient balance, at Indian Bank's own ATMs and at other banks' ATMs alike. GST is additional.

Trigger Condition

Indian Bank Master, VISA and RuPay cards used at international ATMs. GST is additional.

Trigger Condition

Indian Bank cards used at other banks' domestic ATMs at metro locations. The schedule defines metro for this row as other-bank ATMs in Delhi, Mumbai, Chennai, Hyderabad, Kolkata and Bengaluru. The free count includes financial and non-financial transactions together and is repeated on both rules for this area because the schedule states it once for both. GST is additional.

Trigger Condition

Indian Bank cards used at other banks' domestic ATMs at metro locations. The schedule defines metro for this row as other-bank ATMs in Delhi, Mumbai, Chennai, Hyderabad, Kolkata and Bengaluru. The free count includes financial and non-financial transactions together and is repeated on both rules for this area because the schedule states it once for both. GST is additional.

Trigger Condition

Indian Bank cards used at other banks' domestic ATMs at non-metro locations. Non-metro is every location outside the six cities the schedule names for the metro row. The free count includes financial and non-financial transactions together and is repeated on both rules for this area because the schedule states it once for both. GST is additional.

Trigger Condition

Indian Bank cards used at other banks' domestic ATMs at non-metro locations. Non-metro is every location outside the six cities the schedule names for the metro row. The free count includes financial and non-financial transactions together and is repeated on both rules for this area because the schedule states it once for both. GST is additional.

Trigger Condition

Indian Bank cards used at Indian Bank's own ATMs. The schedule states one free limit of five transactions a month counting financial and non-financial transactions together; that single limit is repeated on both rules because the schedule states it once for both. GST is additional.

Trigger Condition

Indian Bank cards used at Indian Bank's own ATMs. The schedule states one free limit of five transactions a month counting financial and non-financial transactions together; that single limit is repeated on both rules because the schedule states it once for both. GST is additional.

Trigger Condition

Indian Bank accounts; a cheque received for payment that is returned. Banded by the amount of the cheque. GST is additional.

Trigger Condition

Indian Bank Current, Cash Credit and Overdraft accounts. The schedule states a per-leaf charge and no free allowance for these accounts, so none is inferred. GST is additional.

Trigger Condition

Indian Bank Savings Bank accounts. Twenty leaves are free in a calendar year and further leaves are charged per leaf. GST is additional.

Trigger Condition

This rule covers the fixed bands (standard up to Rs 10,000; senior citizens up to Rs 50,000). Higher bands are separate per-Rs1,000 rules with minimum/maximum caps; the non-customer 50% uplift and student 50% concession are not modelled.

Trigger Condition

Indian Bank demand drafts above Rs 50,000 up to Rs 100,000 issued to senior citizens (customers of the bank). GST is additional. Non-customers pay 50% more and students pay 50% of these charges - neither is included here. The source says 'per 1000' without 'or part thereof', so amounts that are not whole thousands may round differently at the branch.

Trigger Condition

Indian Bank demand drafts above Rs 100,000 issued to senior citizens (customers of the bank). GST is additional. Non-customers pay 50% more and students pay 50% of these charges - neither is included here. The source says 'per 1000' without 'or part thereof', so amounts that are not whole thousands may round differently at the branch.

Trigger Condition

Indian Bank demand drafts above Rs 10,000 up to Rs 100,000 issued to standard customers (customers of the bank). GST is additional. Non-customers pay 50% more and students pay 50% of these charges - neither is included here. The source says 'per 1000' without 'or part thereof', so amounts that are not whole thousands may round differently at the branch.

Trigger Condition

Indian Bank demand drafts above Rs 100,000 issued to standard customers (customers of the bank). GST is additional. Non-customers pay 50% more and students pay 50% of these charges - neither is included here. The source says 'per 1000' without 'or part thereof', so amounts that are not whole thousands may round differently at the branch.

Trigger Condition

Indian Bank IMPS. The schedule states the same rate at the branch and at internet and mobile banking, so no channel split is stored. Not applicable to staff and ex-staff. GST is additional.

Trigger Condition

Indian Bank Current accounts at branches in the metro and urban categories, which is the schedule's Urban/Metropolitan row. Charged per quarter when the quarterly average balance is not maintained. GST is additional.

Trigger Condition

Indian Bank Current accounts at branches in the schedule's Rural/Semi-urban row. Charged per quarter when the quarterly average balance is not maintained. GST is additional.

Trigger Condition

Indian Bank savings accounts. The schedule waives the charge for non-maintenance of minimum balance entirely, so nothing is levied at any balance level. The document's modification table dates this waiver 07.07.2025.

Trigger Condition

Indian Bank IND Plus NRE Savings Bank Account only. Customer chooses one fund criterion: AMB ₹50,000; or AMB ₹25,000 plus term deposit ₹5 lakh; or AMB ₹10,000 plus term deposit ₹10 lakh. The term-deposit criterion applies from onboarding; the requisite AMB may be built within three months. After three months, ₹500 per month applies if the required AMB is not built up.

Trigger Condition

Indian Bank outward NEFT. The schedule carries a footnote waiving savings-bank customers from charges on NEFT online transactions; that waiver is stored as its own channel rule on the savings product and is not folded into this base tariff. GST is additional.

Trigger Condition

Indian Bank savings-bank customers, NEFT initiated online. The channel value carries only the online transactions the schedule's footnote names; NEFT that is not online keeps the base tariff stored separately.

Trigger Condition

Indian Bank accounts; collection of a local cheque. The schedule states this is free.

Trigger Condition

Indian Bank accounts; collection of an outstation cheque, banded by the amount of the cheque. GST is additional.

Trigger Condition

Indian Bank Current, Overdraft and OCC accounts; stop-payment instruction other than through digital channels. Charged per instrument up to a stated maximum of Rs 1,000. The schedule states no charge when the instruction is given through digital channels, stored as its own rule. GST is additional.

Trigger Condition

Indian Bank Savings Bank accounts; stop-payment instruction other than through digital channels. Charged per instrument up to a stated maximum of Rs 500. The schedule states no charge when the instruction is given through digital channels, stored as its own rule. GST is additional.

Trigger Condition

Indian Bank accounts of any type where the stop-payment instruction is given through digital channels. The schedule states no charge for these, so the per-instrument charges stored for the branch route do not apply.

Trigger Condition

Current Indian Bank non-credit service-charge table. Select-category concessions in the same source remain separate eligibility overlays and must not alter this base tariff silently.

Trigger Condition

Indian Bank Current, Overdraft and OCC accounts. Charged per alert message at the published per-message rates and capped at Rs 30 per month. Staff, ex-staff, senior citizens, UPI transactions and Basic Savings Bank Deposit Accounts are exempt; the document dates the BSBDA exemption 01.04.2024. GST is additional.

Trigger Condition

Indian Bank Savings Bank accounts. Charged per alert message at the published per-message rates and capped at Rs 15 per month. Staff, ex-staff, senior citizens, UPI transactions and Basic Savings Bank Deposit Accounts are exempt; the document dates the BSBDA exemption 01.04.2024. GST is additional.

Trigger Condition

Indian Bank Basic Savings Bank Deposit Accounts and small accounts. The schedule exempts these from SMS alert charges, so the per-message savings rates do not apply to them.