Verified Bank Tariff

IndusInd Bank Limited Charges & Fees

Charges verified
7
7 checked rules · 5 fee categories · 1 account variant

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.

Figures are the bank’s own, before GST unless a rule says otherwise.Last verified
IndusInd Bank Limited
Cheapest: RTGS freeCostliest: RTGS up to ₹45

At a glance

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

Verified Fee Categories for IndusInd Bank Limited

Debit card charges1 checked entry
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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.

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

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

IMPS charges1 checked entry
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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.

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

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

Minimum balance charges1 checked entry
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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.

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

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

NEFT charges2 checked entries
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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.

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

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.

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

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

RTGS charges2 checked entries
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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.

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

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.

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

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

What IndusInd Bank Limited prints on your statementStatement narrations · 5 decoded

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 FEE

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

IMPS CHG

A charge on an IMPS instant transfer.

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 IndusInd Bank Limited quietly deducting every year?
Annual Account Leakage Audit

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Official IndusInd Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Official Tariffs: View IndusInd Bank Limited’s official Schedule of Charges PDF · Visit Official Website
Disputing a Wrongful Charge at IndusInd 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 IndusInd 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 IndusInd 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 (IndusInd Bank Limited)4 questions

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?

Annual debit card charges at IndusInd 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 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).