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Domestic Validity

International Validity

Domestic Validity

International Validity

Domestic Validity

International Validity

Till 31st March '14

Free

Free

Free

Free

Free

Free

Free

Nil

Nil

Nil

Nil

Free

Free

Free

Till 31st March '14

Free

Free

SCHEME CODE - RSYOU, RSYNE, RSYNO

Account ClosureNil

Rs. 100/-

Rs. 100/-

Nil

W.e.f. 1st April 2014

Rs. 50/- (W.e.f. 1st April 2014)

Foreign currency demand drafts / international money orders

DD/ payorder cancellation (Foreign Currency)

Within 14 Days

Rs. 50

Rs. 100/-

Over 14 Days upto 6 Months

Over 6 Months upto 1 Year

Beyond 1 Year

Cheque stop payment instructions

Per Cheque Leaf

Per Range of Cheque Leaves

Rs 220/-

Rs 110/-

Rs 220/-

Rs 110/-

Rs 220/-

Hold mail facility Free

Schedule of Facilities

Charges inclusive of Service Tax

Re - generation of Pin/ Copy retrieval

IDBI Bank ATM Non Financial / Financial Transaction

Average Quarterly Balance

Account Opening Amount

Being Me Debit Cum ATM Card

Rs.2,500/-

Rs.2,500/-

Free

Rs 110/-

"Being Me" Savings Account (March 01, 2014)

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.

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.

Eligibility

Replacement of Lost/ Stolen card

One/additional add-on card per account

(Second year onwards)*

Annual Fee (Second year onwards)*

Free

20 leaves per quarter free and Rs 2 per cheque leaf above free limit.

Cheque Book

Non Financial - Rs 30 per transaction

Financial- Rs 140 per transaction

5 transactions Free per month, thereafter

Non Financial - Rs 8 per transaction

Financial - Rs 20 per transaction

Other Bank ATM

International ATM

Personalised Multicity book

Passbook / Statement

Monthly statement by e-mail

Duplicate Statement at the branch

Free

Free

Rs. 100/-

Duplicate Passbook

Standing instructions

Certificates

Rs. 100/-

Rs. 50/-

Payable at Par utilisation

Overseas mailing Actual Mailing charges

Rs. 100/-Request for duplicate statement through Phone banking & ATM

NEFT

Balance/Interest/Signature verification certificate/Banker's report

Foreign inward remittance certificate

Demand Drafts (Branch/Non Branch Location) / Payorder

Remittances

As per Trade Finance guidelines

DD/ payorder cancellation (Domestic)

10 Transactions Free per month (Both inclusive)

Above free limit Rs 2.50/1000, (Min.- Rs 25/- and Max. Rs 10,000/-)

Cash deposits (Home Branch)

Cash deposits (Non - Home Branch) (Max. Rs. 50,000/- per day)

Any Branch Cash withdrawal (By self only) Free (Upto Rs 50,000/- per day only)

15 transactions per month free -

Excess charged @Rs 2/1000. (Min. 25 and Max Rs. 10,000/-)(15 transactions includes both Home - Non Home Cash deposit)

NEFT (Net Banking)

RTGS

Any branch cheque/ account to account transfers

Any Branch Banking

Free

Cheque collections (Branch/Non branch locations)/Speed Clearing

Foreign currency cheque collection As per Trade Finance guidelines

Only other bank commission will be recovered

Cheque transaction charges

The services allows you to operate your account from any IDBI bank branch across India.

This service is not available for encashing FD, issuance of DD/PO and third party bearer cheque. These can be done only at Home Branch.

Third party cash withdrawal is not allowed at Non-Home branch.

Third party cash deposit is allowed to the maximum of Rs 50,000/- per day per account.

Old records / copies of paid cheques Free

As per Trade Finance Guidelines

As per Trade Finance guidelines

Free

W.e.f. 1st April 2014

Rs. 100/-

Account statements

Rs 2 lakh to Rs 5 Lakh - Rs 25 per transaction,

Above Rs 5 lakh - Rs 50 per transaction.

Free

Upto Rs 1 Lakh - Free

above Rs 1 Lakh to 2 Lakhs Rs 15 per transaction

above Rs 2 Lakhs - Rs 25 per transaction

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Rs.25,000/- per day

FacilitiesParticular

ATM Cash withdrawal limit

POS (Point of sale)

Discounted charges for opening of share trading account

Tie-up with various outlets.

Other Features

Rs. 25,000/- per day

Rs.60Cheque deposited and returned

Rs 225

Special Features *

Internet/Mobile/Phone/SMS banking

Alternate Channel Banking

Free

Preferential rate on Education Loan

Charges

* Special features shall be withdrawan if the Average Quarterly Balance is not maintained for two consecutive quarters

Rs.115

Unarranged overdraft / Cheque Purchase (A + B) (Subject to approval)Rs.115

ECS/ Cheque issued and returned ( Financial reasons )

Local cheque

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

Declaration: 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)

6. 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.

5. Any change of address should be immediately communicated in writing to the Bank.

4. Availing of the Anywhere Banking facility and the At Par Cheque facility is contingent upon the limits and service charges stipulated for these

facilities.

3. Satisfactory conduct of the account entails maintaining stipulated minimum quarterly 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.

2. 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.

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.

* Reckoned from the date of issuance of card

Outstation cheque

Per occasion (A)

Interest (B) 19.75%