Trust, Association, Society and Clubs (TASC),

Government Bodies, Educational Institutes :(Savings and Current Account)

(Effective from April 01, 2022 charges are exclusive of GST)
RSNGO /RCNGO / RCFCR /
SCHEME CODE (For Bank use) RSBLK/RCBLK RSEDN/RCEDN RSGOV/RCGOV
RSFCR
Trust/NGO/Edu. Institute Govt owned corporations/Bodies
Association, Societies and Educational Institute
Segment without fee collection acct/PF /FI/Boards/ State & Central
Clubs
Trust /FCRA dept
Account Balance Requirement NIL NIL NIL NIL
Account Maintenance Charges NIL NIL NIL NIL
Debit-cum-ATM Card (Classic/Gold/Platinum with International/Domestic Validity)
Annual Fee FREE FREE FREE FREE
Add on Card FREE FREE FREE FREE
Replacement of Lost Stolen card FREE FREE FREE FREE
New PIN Generation Rs 50 for PIN Lost/Forgotten Cases Only
Classic Debit-cum-ATM Card - Rs 50,000
ATM Cash Withdrawal Limit Gold Debit Card - Rs 75,000
(per day) Platinum Debit Card - Rs 1,00,000

Classic Debit-cum-ATM Card - Rs 50,000

POS (Point of Sale) Limit (per day) Gold Debit Card - Rs 75,000
Platinum Debit Card - Rs 1,00,000
ECOM Txn Limit (per day) Classic Debit-cum-ATM Card - Rs 50,000
Gold Debit Card - Rs 75,000
Platinum Debit Card - Rs 1,00,000
Contact Less Card Limit (per day) All variant shall have maximum limit of Rs 10,000/- per day with existing cap of maximum Rs 5,000/- per txn.
Domestic: Non- Financial & Financial - FREE
Transaction at other Bank ATM International: Non- Financial - Rs 30 per Transaction. Financial - Rs 140 per Transaction
International Cash withdrawal transactions declined due to insufficient funds – Rs.20/- per instance
Domestic Validity: - If a Customer opts for Domestic Validity Card, a Debit Card with magnetic stripe will be issued which can be used only in India for ATM, POS & E-com transactions. For all
domestic POS transactions, PIN will be prompted to complete the transaction.

International Validity:- If a Customer opts for International Validity Debit Card, EMV Chip Debit Card will be issued which can be used in India & abroad for ATM, POS & E-com
transactions. For all domestic POS transactions, PIN will be prompted to complete the transaction.

Account related charges

Cash Deposit 10 times of Current Month MAB maintained. Cash Deposits beyond free limit for Saving
Bank - Rs. 3/1000 & for Current account Upto Rs. 3 lacs- Rs.4/1000 & > 3 lacs- Rs.5/1000 FREE
(Min 53/- for Home and Non Home Branch)

FREE
3 chq. Books (50 leaves in each book) Monthly FREE. CO approval required, if More than 10 chq.
Personalised Multi City Cheque book Beyond FREE limit Rs 5 per leaf
books printed in a quarter.

Bulk/Continuous Stationery Requirement(Customer

Subject to Approval. (Regional Head Approval)
need to pay the cost of printing chq book)
Account statements
Monthly, Duplicate, Hold Mail Facility, Overseas FREE
Mailing
Daily Statement (at customer request)
Physical from branch/Post/Courier Rs.100/- per statement plus actual postage
By email Rs.5/-
Duplicate Statement over Telephone
Email Rs. 25/- per occasion
Post/Courier Upto 1 year - Rs. 100/- & Above 1 year - Rs. 300/-
Standing instructions (Set
FREE FREE FREE FREE
- up and execution)

Standing Instruction rejection/failure Rs.225 per instance

Above 1yr & less than 2 yrs – Rs.150/- per Item
Old Record (Subject to availability)
2 yrs and thereafter – Rs.100/- per Item, subject to Max of Rs.750/-

Addition / deletion of names in Accounts/ 1st occasion (after account opening ) - FREE
Nominations / Change in operational instructions Beyond 1st occasion - Rs. 100/-

Allowing operations through power of Rs.500 per request

attorney/mandate
Rs. 300/- Per Occasion
Change of authorized signatory in accounts
(exempted for change due to death of the existing signatory) FREE
Rs.200/-
Charges For Recording Reconstitution of Account
(No charges in case of Death of account holder)
Facility of Sweep/Linking of accounts (Sweep Out Rs.100/- per instance FREE
Only)
Sweep Out Trigger facility charges Rs.5/- per debit in addition to the SI charges, if any FREE
Certificate
Balance/Interest/Signature verification/ Bankers FREE
report

Account closure charges FREE FREE FREE FREE

 Remittances
Demand Drafts (On branch/Non branch locations), Pay
orders, Payable at Par utilization
FREE
Demand draft / pay order cancellation or
revalidation
Foreign currency cheque collection/ demand draft
(issuance and cancellation) As per Trade Finance Guidelines.
International money order/ certificate
Mode of Transaction Branch Channel Net / Mobile Banking
FREE
Amount (Rs.) Charge (Rs.)
Up to Rs 5,000/- FREE FREE
Above Rs 5000 to Rs 10000 2 FREE
NEFT Above Rs 10000 to Rs 1 Lakh 5 FREE
Above Rs 1 Lakh to Rs 2 lakh 15 FREE
Above Rs 2 lakh 25 FREE
NEFT transactions are FREE for Accounts maintaining PMAB more than Rs 1 lakh
Mode of Transaction Branch Channel Net / Mobile Banking
RTGS Amount (Rs.) Charge (Rs.) FREE
Rs 2 Lakh to Rs 5 Lakh 24.50 FREE
Above Rs 5 Lakh 49.50 FREE
RTGS transactions are FREE for Accounts maintaining PMAB more than Rs 1 lakh
Any Branch Banking
Any branch cheques deposits and account to
FREE
account transfer (electronic fund transfer)
Cheque transaction charges
Outstation
Up to Rs. 5,000/-:Rs.25/- per instruments
Upto Rs. 10,000/-:Rs.50/- per instruments
Cheque collections
Rs. 10,001/- to Rs. 1,00,000/-:Rs.100/- per instruments
On branch locations/ Non branch location
Rs. 1,00,001/- and above :Rs.250/- per instruments
Other bank commission will be recovered separately
Speed Clearing

Speed Clearing outside CTS Grid

(Service charges for Speed Clearing within the CTS grid Upto Rs.1,00,000/- : NIL
jurisdiction, waived.) Above Rs.1,00,000/- : Rs.150/- per transaction
Per Cheque Leaf Rs 100 , Maximum for
Cheque stop payment instructions range of cheques - Rs 500
(Branch/Net/Mobile Banking)

Copies of paid cheques FREE

Net Banking FREE FREE FREE FREE

Cheque Returned
Technical reasons no charge no charge no charge no charge
Financial reasons
(Issued/Inward)
Rs 10,001
Up to Beyond
to
Slab (Rs.) Rs 10,000 Rs 25 lakh
25 lakh
FREE
d
Up to 2 n
instance/quarter Rs.250 Rs.500 Rs.1,000
d
Beyond to 2 n
instance/quarter Rs.500 Rs.750 Rs.1,500
Local/Outstation (Deposited/Outward)
Up to 1 lakh Rs.150
FREE
Beyond 1 lakh Rs.250
Cheque return charges shall be levied only in cases where the customer is at fault and is responsible for such returns. Indicative list available at the Branch.
Unarranged overdraft / Cheque Purchase (A + B)
Per occasion (A) Rs. 115 Rs. 115 Rs. 115 Rs. 115
Interest (B) 18.75% 18.75% 18.75% 18.75%
Issue of duplicate confirmation of Deposits (COD) Rs 150 per instance Rs 150 per instance Rs 150 per instance Rs 150 per instance
ATM transactions failure at IDBI ATM Rs 20 per failed transaction Rs 20 per failed transaction Rs 20 per failed transaction Rs 20 per failed transaction
Any Branch Banking service allows you to operate your account from any IDBI Bank branch across India.
Any Branch Banking service is not available for encashing fixed deposits, third party bearer cheques. These can be done only at home branch.
Cash deposit and withdrawal at non-home branches is restricted to one transaction per day per account.
Cash Deposit is not allowed in RCFCR and RSFCR scheme code.
Third party cash deposit is allowed to the maximum of Rs. 1 lac per day per account.
Important Instruction :-
1. GST applicable on above charges will be additional.
2. Opening of the Current/Savings Account tantamount to deemed acceptance of the aforesaid rule & regulations as well as the fact of being informed about the various service charges being levied by
the Bank and the terms and conditions guiding the related products and services. Service charges are subject to change from time to time.
3. In-Operative Account:-
- If there are no transactions in the account for a period of two years, the account will be treated as an inoperative account.
- In case there are no customer induced debit, credit and/or third party transactions in the account, it would be classified as inoperative.
- The service charges levied by the Bank and/or interest credited by the Bank are not be considered as customer induced transactions.
- The customer should thus transact in the account periodically, so that it does not become inoperative.
4. Satisfactory conduct of the account entails maintaining sufficient balance to honor cheques issued to third parties. If there are high incidences to the contrary, the Bank reserves the right to close the
account under intimation to the customer.

Declaration: I/We have read / understood the terms and condition as applicable to Account opening and other operational aspect. I/We understand that the terms and condition may be revised by the Bank
from time to time and it will be agreeable to me/us. I/We shall be responsible for regularly reviewing these terms, including the amendments that are posted on the website. I/We agree to pay charges as
per the Bank Policy. I/We also agree to down-gradation of the account and withdrawal of features, in the event of non-maintenance of required balance.

Signature(s)/ Thumb impression(s) of the account holder (With Seal and stamp)

Signature 1 Signature 2 Signature 3