Bundled Savings Account (January 01,2020) Schedule of

Bundled Savings Account (January 01,2020)

MAB (Monthly Average Balance) as per Branch Categorization Minimum AOA should be equivalent to required MAB amount

Schedule of Facilities

Charges are Exclusive of GST

Scheme Code - RSDMT / RSFAM / RSRLN

MAB Requirement

Charges for Non-maintenance of MAB

Metro/Urban - Rs. 1,000/Semi Urban - Rs, 500/Rural - Rs. 250/Rural FI - NIL

4% per month on the differential Min - Rs. 10

amount of MAB & Actual Avg Min - Rs. 5

Bal maintained

Min - Rs. 3

NA

Grace Period granted - 1 month as per RBI guidelines to restore MAB

RSDMT - Saving Linked to Demat Account RSFAM - Saving linked to Demat & Trading Account RSRLN - Saving Linked to Retal Loans (Auto/Personal/Home/LAP/PSL)

Issuance Fee (Personalised Debit Card ) Annual Fee (Second year onwards)* One/additional add-on card per account (Second year onwards)* Replacement of Lost/ Stolen card Re PIN Generation IDBI Bank ATM Non Financial / Financial Transaction
Other Bank ATM
International ATM

Classic Debit Card Rs.150/-
Rs. 220/Rs. 220/Rs. 220/Rs. 50 for Lost/Forgotten PIN Free
3 transactions (both Financial & Non-Financial) Free at 6 Metro locations viz. Mumbai, New Delhi, Chennai, Kolkata, Bengaluru & Hyderabad, 5 transactions (both Financial & Non-Financial) Free per month at all other locations, thereafter Non Financial - Rs 8 per transaction Financial - Rs 20 per transaction
Non Financial - Rs 30 per transaction Financial- Rs 140 per transaction

Transactions declined due to insufficient Balance at other Bank ATMs Rs. 20 per Instance ( wef Dec 1,2019) / International ATM

ATM Cash Withdrawal Limit

Rs 25,000/- (Per Day)

POS Limit (Point of Sale)

Rs 25,000/- (Per Day)

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.

Personalised Multicity /Local cheque book

Common Service Charges Cheque Book
1st Yr of Account opening All Subsequent Years

60 Cheque Leaves Free 50 Cheque Leaves Free Rs. 3 per cheque leaf above Free Limit

Statement - Physical from Branch - By Post/Courier - By e-mail Duplicate Statement at the branch
Duplicate Statement through Alternate Channel
Passbook Duplicate Passbook

Account statements

Daily

Weekly

Rs.100/- per statement

Rs.100/- per statement plus courier charges

Rs.5/-

Rs.5/-

Upto 1 Year - Rs. 100/-; Above 1 Year - Rs. 300/-

Email -

Rs. 25/- per Occasion

Post/Courier - Upto 1 Yr - Rs. 100/-; Above 1 Yr - Rs.300/-

Free

Rs. 100/-

Quarterly
Free Free

Interest Certificate

Miscellaneous Once in a Year (For IT Return Purpose) - Free Duplicate/ Additional - Rs. 100 (Per Instance)

Balance/Signature or Photo verification certificate/Banker's report Rs. 100/- (Per Instance)

Foreign inward remittance certificate Standing instructions Overseas mailing
Old Record (Subject to Availability)
Copy of Original of Cheque/Draft (paid by the Bank) Addition/Deletion of Names in Accounts/Nominations/Change in Operational Instructions Allowing operations through power of Attorney/Mandate Change of Authorised Signatory in Accounts Faclity of Sweep/Linking of Accounts (Sweep Out Only) Sweep out Trigger facility Charges Tax Payment Challan retrieval beyond 2 years for Net Banking Users Mandate Registration Charge

As per Trade Finance guidelines

Rs. 50/- (Per Instance)

Actual Mailing charges

Above 1 yr & less than 2 yr

Rs.150/- per Item

2 years and thereafter,

Rs.100/- per add.Yr,subject to Max of Rs. 750/-

Rs. 150/- per Instance

1st occasion (after account opening)

Free

Beyond 1st occasion, for every Addition/Deletion of Name/change in Rs. 100/-

Rs. 500/- per Request

Rs. 300/- per Instance (Exempted - change due to death of existing signatory

Rs. 100/- per Instance

Free

Rs.50 /- per request

Rs.50 per mandate

Demand Drafts (Branch/Non Branch Location)/ Payorder
Payable at Par utilisation Foreign currency demand drafts / international money orders DD/ payorder cancellation (Domestic) DD/ payorder cancellation (Foreign Currency)
NEFT (Through Branch Channel)

Remittances Upto Rs. 5000/Above Rs.5000/- - Rs. 10000 Above Rs.10000 Free As per Trade Finance guidelines Rs. 100/As per Trade Finance Guidelines
Upto Rs. 10000/- per Transaction Above Rs. 10000/- - Rs. 1 Lac Above Rs. 1 Lac - Rs. 2 Lac Above Rs. 2 lac

Rs.30 Rs.50/Rs.3 per thousand(Min:Rs50,Max:Rs10000)
Rs. 1/Rs. 3/Rs. 9/Rs. 15/-

NEFT (Throgh Net /Mobile Banking) RTGS (Through Branch Channel)
IMPS ( Through Net Banking , Mobile Banking and Branch Channel)

Free Rs.2 Lac - Rs.5 Lac Above Rs. 5 Lacs Upto Rs. 1000/- per Transaction Above Rs. 1000/- - Rs. 1 Lac Above Rs. 1 Lac

Rs. 20/Rs. 40/NIL Rs.5/Rs.15/-

Any branch cheque deposits and account to account transfers

Any Branch Banking Free

Cash deposits (Home & Non Home Branch)

Metro/Urban - 5 Txn Free/Month Semi-Urban - 7 Txn Free/Month Rural - 10 Txn Free/Month

Any Branch Cash withdrawal (By self only)

Charges beyond free limit - Rs.2.50/- per 1000 (Min Rs.25& Max Rs.10,000) Free (upto Rs 50,000/- 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 50,000/- per day per account.

Cheque collections (Branch/Non branch locations)
Speed Clearing outside CTS Grid (Service charges for Speed Clearing within the CTS grid jurisdiction is waived) Foreign currency cheque collection
Per Cheque Leaf Per Range of Cheque Leaves Cheque Stop payment requests through Net Banking - Free
SMS Alerts
INET Banking Password (Through Branch Channel)

Cheque transaction charges Local - Free Outstation Upto Rs. 5000/Upto Rs. 10,000/Rs. 10,001/- - Rs. 1,00,000/Rs. 1,00,001/- and above Upto Rs. 1,00,000/Above Rs. 1,00,000/As per Trade Finance guidelines Cheque stop payment instructions Rs. 50 Rs. 100/-
Alternate Channel Banking Rs.15/- per quarter For Debit Card holders For Non-Debit Card holders subsequent Password

Charge / Instrument Rs. 25/Rs. 50/Rs. 100/Rs. 250/Nil Rs. 150/-
Rs.100/Free for first time Rs.50/-

Online VISA Card Remittance (Excl.IDBI Bank credit card payment) Rs. 5/- per transaction

ECS returned Financial reasons Technical reasons

Rs.500/Free

Charges

Cheque issued and returned

Slab(Rs.)

Upto 2nd instance per quarter Beyond 2nd instance per quarter

Financial reasons Technical reasons

Up to Rs.10,000 Above Rs.10000 - Rs.25 lac Beyond Rs.25 lac Free

Rs.250 Rs.500 Rs.1000

Rs.500 Rs.750 Rs.1500

Cheque deposited and returned

Local / Oustation cheque

Upto Rs.1 lac Beyond Rs.1 lac

Rs.150/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).

Charges for collection of paper based instrument other than regular cheque

Rs.10/1000( Min Rs.100/-, Max Rs.1000/-)

Standing Instruction Rejection/Failure

Rs. 225 per instance)

Unarranged overdraft / Cheque Purchase (A + B) (Subject to approval)

Per occasion (A)

Rs.115

Interest (B)

19.75%

Demand Drafts/ Pay Orders/ Omni Pay (Non IDBI Bank Account Holders)

Upto 25,000: Rs.70 Above Rs.25,000 upto Rs.49,999: Rs.2.50/1000

Within 14 Days Over 14 Days upto 6 Months Over 6 Months upto 1 Year Beyond 1 Year * Reckoned from the date of issuance of card

Account Closure Nil Rs. 100/Rs. 100/Nil

Terms & Conditions: • The facility of linked Account shall be available in only one Account opened and duly linked with the Demat/Trading/Loan Accounts • In the event of closure of the linked Demat Account or Trading Account the Accounts will be converted to Super Savings Account (RSNEW). • In the event of closure of the Retail Loan the Accounts to be converted to Super Savings Account (RSNEW)
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 used as a Current Account. If the Bank at any stage finds that the Savings Bank Account is being used either for the purpose for which it is not allowed or for the purpose of routing transactions which are dubious or undesirable, the Bank reserves the right to close such Savings Bank Account. 2. GST 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 service charges levied by the Bank and/or interest credited by the Bank would not be considered as customer induced transactions.
4. Satisfactory conduct of the account entails maintaining stipulated monthly average balance as well as sufficient balance to honour 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 minimum balance/average balance as agreed between the bank and customer, the bank should notify the customer clearly by SMS or email or letter etc. that in the event of the minimum balance not being restored in the account within a month from the date of notice, penal charges will be applicable.
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 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 /we 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. (P&T and swift charges applicable)

Signature of first holder

Signature of Second holder

Signature of Third holder