Verified Bank Tariff
IndusInd Bank Limited Charges & Fees
Complete official Schedule of Charges for IndusInd Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
How much is IndusInd 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 IndusInd Bank Limited
IMPS
1 checked entry
Minimum balance
1 checked entry
NEFT
2 checked entries
Other charge
1 checked entry
RTGS
2 checked entries
IndusInd Bank Limited
IMPS charges
Indus Delite Savings Account · Other
₹0 (Free)
Trigger Condition
Indus Delite Savings Account. Current schedule marks IMPS outward as Free; the row does not further split the delivery channel.
Verified on 2026-08-15 · Effective: 2026-04-01
IndusInd Bank Limited
Minimum balance charges
Indus Delite Savings Account · General
₹0 (Free)
Trigger Condition
Indus Delite Savings Account only. Current Schedule of Charges shows initial funding requirement ₹10,000 and makes the NMC waiver conditional on initial-funding plus debit-card-charge requirements; this is not an unconditional bank-wide zero-balance rule.
Documented Waiver Condition
NMC waived subject to Initial Funding + DC Charges Requirement Getting Fulfilled.
Verified on 2026-08-15 · Effective: 2026-04-01
IndusInd Bank Limited
NEFT charges
Indus Delite Savings Account · Branch
Up to Rs 50,000: ₹0.00 · Above Rs 50,000 to Rs 1 lakh: ₹4.00 · Above Rs 1 lakh to Rs 2 lakh: ₹14.00 · Above Rs 2 lakh: ₹24.00
Trigger Condition
Indus Delite Savings Account; NEFT outward initiated at branch. Current schedule separately states Net Banking/Mobile Banking NEFT has no charge.
Verified on 2026-08-15 · Effective: 2026-01-01
Indus Delite Savings Account · Other
₹0 (Free)
Trigger Condition
Indus Delite Savings Account. 'Other' groups only the two source-named digital channels: Net Banking and Mobile Banking.
Verified on 2026-08-15 · Effective: 2026-01-01
IndusInd Bank Limited
Other bank charges
Indus Delite Savings Account · Other
₹499.00
Trigger Condition
IndusInd Bank Indus Delite online savings account only; current Schedule of Charges effective 01-Apr-2026 lists Titanium Delights card issuance at ₹499. The schedule states charges are exclusive of taxes/GST. This rule is issuance only and does not represent the separate annual/renewal charge.
Verified on 2026-08-15 · Effective: 2026-04-01
IndusInd Bank Limited
RTGS charges
Indus Delite Savings Account · Branch
Rs 2 lakh to Rs 5 lakh: ₹20.00 · Above Rs 5 lakh: ₹45.00
Trigger Condition
Indus Delite Savings Account; RTGS outward initiated at branch. Current schedule separately states Net Banking/Mobile Banking RTGS has no charge.
Verified on 2026-08-15 · Effective: 2026-01-01
Indus Delite Savings Account · Other
₹0 (Free)
Trigger Condition
Indus Delite Savings Account. 'Other' groups only the two source-named digital channels: Net Banking and Mobile Banking.
Verified on 2026-08-15 · Effective: 2026-01-01
What IndusInd Bank Limited prints on your statement
5 narrations decoded against IndusInd 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.
IMPS CHGA charge on an IMPS instant transfer.
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 IndusInd 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 IndusInd 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 IndusInd 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 (IndusInd Bank Limited)
What is the minimum balance (AMB) requirement in IndusInd Bank Limited?
In IndusInd 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 IndusInd Bank Limited?
Debit card maintenance charges at IndusInd Bank Limited are billed annually based on card variant plus 18% GST.
Can IndusInd 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), IndusInd 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 IndusInd Bank Limited?
To dispute a wrongful deduction at IndusInd 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 IndusInd 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).