Preferred Account (September 01, 2018)

Schedule of Facilities
Charges Exclusive of Goods & Service tax.(GST applicable will be levied on all charges, and would be rounded-off to the next Rupee)
SCHEME CODE : RSPNO** / RSPNE
Eligibility
Rs. 1 Lakh in Savings Bank A/c or Maintain FD of Rs 10 Lakh under main Customer ID.
Monthly Average Balance (MAB) / TD
Value of FCNR(B) deposit is not considered.
Charges for Non-maintenance of MAB NIL.
VISA / RuPay Platinum Debit Cum ATM Card
Annual Fee Free (Card charges will be applicable if the account is downgraded)
One add-on card per account Free
Replacement of lost/stolen card Free
Re - generation of PIN Free
IDBI Bank ATM Non Financial /Financial Transaction Free
Other Bank ATM (domestic locations) Free
10 transactions Free per month, thereafter
International ATM
Non Financial - Rs 30 per transaction# Financial- Rs 140 per transaction#
International Cash withdrawals declined due to insufficient Balance Rs. 20 per Instance
1) Card issued will be an Internationally valid card. However, based upon your consent, you can use your card for Domestic + International transactions or for
Domestic transactions only. 2) For all domestic POS transactions, PIN will be prompted to complete the transaction.
**RUPAY Platinum (Domestic) Card will be offered in RSPNO (NRO Preferred) account.
#Cross currency conversion for all International transactions will be applicable @3.5% over and above the exchange rate as decided by VISA
Cheque Book
Personalised Multicity book 100 leaves per month free & Rs 3 per cheque leaf above free limit.
Account statements
Statement Daily Weekly
- Physical from Branch Rs.100/- per statement plus actual courier charges
- By Post/Courier Rs.100/- per statement plus actual courier charges
- By e-mail Rs.5/- Rs.5/-
Monthly Statement Free
Email - Rs. 25/- per Occasion
Duplicate Statement over Phone Banking Request
Post/Courier - Upto 1 Yr - Rs. 100/-; Above 1 Yr - Rs.300/-
Passbook Free
Duplicate Passbook Rs. 100/-
Miscellaneous
Once in a Year (For IT Return Purpose) - Free
Interest Certificate
Duplicate/ Additional - Rs. 100 (Per Instance)
Balance/Signature or Photo verification certificate/Banker's report Rs. 100/- (Per Instance)
Foreign inward remittance certificate As per Trade Finance guidelines
Standing instructions Rs. 50/- (Per Instance)
Overseas mailing Actual Mailing charges
Above 1 yr & less than 2 yr old Rs.150/- per Item
Old Record (Subject to Availability) 2 years and thereafter Rs.100/- per add. Yr,
subject to Max of Rs. 750/-
1st occasion (after account opening) Free
Addition/Deletion of Names in Accounts/Nominations/Change in Beyond 1st occasion, for every
Operational Instructions Addition/Deletion of Name/change in Rs. 100/-
Nomination/Operational Instructions
Allowing operations through power of Attorney/Mandate Rs. 500/- per Request
Change of Authorised Signatory in Accounts Rs. 300/- per Instance (Exempted - change due to death of existing signatory
Faclity of Sweep/Linking of Accounts (Sweep Out Only) Rs. 100/- per Instance
Sweep out Trigger facility Charges Rs. 5/- per Debit in Additon to the SI Charges
Tax Payment Challan retrieval beyond 2 years for Net Banking Users Rs.50 /- per request
Remittances
Demand Drafts (Branch/Non Branch)/Payorder Free
Payable at Par utilisation Free
Foreign currency demand drafts / international money orders As per Trade Finance guidelines
DD/ payorder cancellation (Domestic/Foreign Currency) Domestic : Free / Foreign Currency : As per TF guidelines
NEFT & RTGS via Net Banking and IPMS Free
NEFT (Through Branch Channel) Free
RTGS Free
 Any Branch Banking
Any branch cheque/ account to account transfers Free
Cash deposits (Home Branch) 20 transactions per month free -
Excess charged @Rs 2/1000. (Min. Rs 25 and Max. Rs 10,000/-)
Cash deposits (Non - Home Branch) (Max. Rs. 1,00,000/- per day) (20 transactions includes both Home - Non Home Cash deposit)
Any Branch Cash withdrawal(By self only) Free (Upto Rs 1,00,000/- per day only)
The services allows you to operate your account from any IDBI bank branch across India.
Third party cash deposit is allowed to the maximum of Rs 1,00,000 per day per account.
Cheque transaction charges
Cheque collections (Branch/Non branch locations)/Speed Clearing Only other bank commission will be recovered
Foreign currency cheque collection As per Trade Finance guidelines
Cheque stop payment instructions Free
Special Features
Particular Facilities
Cash withdrawal limit Rs.1,00,000 per day
POS (Point of sale) Rs.1,00,000 per day.
Locker 50% discount on any size of Locker (Discount available on only one Locker)
Free Insurance of Rs.10 lakh on personal accidental death (applicable to Primary account
Insurance cover holder only).
DEMAT Free of AMC, other Discounts on Demat charges as per Demat SoF
PIS Account 1st Year PIS Annual Maintenance Charge (AMC) waived for Preferred customers.
Trading Account Free Account Opening (Effective from May 2016)
CDP facility Free 2 Transaction per month.
Welcome Kit Preferred welcome kit
Alternate Channel Banking
SMS Alerts Free
For Debit Card holders Rs.100/-
INET Banking Password (Through Branch Channel) For Non-Debit Card holders Free for first time
subsequent Password Rs.50/-
Charges
ECS Returned
Financial reasons - Rs 500 Technical reasons- Free
Cheque issued and returned - Financial reasons
Slab(Rs.) Upto 2nd instance per quarter Beyond 2nd instance per quarter
Up to Rs.10,000 Rs.250 Rs.500
Above Rs.10001 - Rs.25 Lakh Rs.500 Rs.750
Beyond Rs.25 Lakh Rs.1000 Rs.1500
Technical reasons Free
Upto Rs.1 Lakh Rs.150/-
Cheque deposited and returned (Local / Oustation cheque)
Beyond Rs.1 Lakh Rs.250/-
Cheque return charges shall be levied only in cases where the customer is at faultand is responsible for such returns. Indicative list available at the Branch).

Standing Instruction Rejection/Failure Rs. 225 (per instance)

Charges for collection of paper based instrument other than

Rs.10/1000( Min Rs.100/-, Max Rs.1000/-)
regular cheque payable thr' clearing mechnism- NSC,KVP, etc.
Unarranged overdraft / Cheque Purchase (A + B) (Subject to approval)
Per occasion (A) Rs.115
Interest (B) 19.75%
CMS/CDP charges shall be levied as per the limit set in the agreement
Account closure (To be Collected Manually by Branch)
Witnin 14 days Nil
Over 14 days upto 6 months Rs.100/-
Over 6 months old upto 1 year Rs.100/-

Beyond 1 year Nil

1. The Savings Bank Account is essentially an account to build up savings and should be used to route transactions of only non-business/ non-commercial nature. It should not be
2. Service Tax applicable on above charges will be additional.
3. If there are no transactions in the account for a period of two years, the account will be treated as an inoperative account. The customer should thus transact on the account
periodically, so that it does not become inoperative. In case there are no customer induced debit, credit and/or third party transactions in the account, it may be classified as
inoperative. The
4. Satisfactory serviceofcharges
conduct leviedentails
the account by themaintaining
Bank and/or interest credited
stipulated monthly by the Bank
average wouldasnot
balance beas
well considered
sufficient as customer
balance induced
to honour transactions.
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.

5. As per RBI guidelines with respect to Savings Account, if customer defaults in maintenance of monthly average balance as agreed between the bank and customer, the bank
6. Availing of the Anywhere Banking facility and the At Par Cheque facility is contingent upon the limits and service charges stipulated for these facilities.
7. Any change of address should be immediately communicated in writing to the Bank.
8. Opening of the Saving 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 related products and services.

Declaration: In case of Mode of Operation instruction as Either or survivor/Former or survivor/ Anyone or survivor, we jointly agree and authorize IDBI Bank Ltd.
to pay the principle along with interest and permit premature withdrawals of the Sweep out fixed deposit on written instruction from any one of us, any day before
the maturity.
I / We understand that the insurance Cover will commence only after completion of 60 days from the date of Account opening.
I / We have read / understood the terms and condition as applicable to Account opening / Scheme Code upgrade or downgrade and other operational aspect. I /
We understand that the terms and condition may be revised by the Bank from time to time. I shall also be responsible for regularly reviewing these terms,
including the amendments that are posted on the website. I / we also agree to pay charges as per the Bank Policy.

Signature of first holder Signature of Second holder Signature of Third holder