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Savings Account with industry best 7% Interest

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  • Avail IDFC FIRST Personal Loan

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    Apply Now

  • Avail IDFC FIRST Personal Loan

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  • Avail IDFC FIRST Personal Loan

    Lorem ipsum dolor sit amet, consectetur adipiscing elit

  • Avail IDFC FIRST Personal Loan

    Lorem ipsum dolor sit amet, consectetur adipiscing elit

  • Avail IDFC FIRST Personal Loan

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  • Avail IDFC FIRST Personal Loan

    Lorem ipsum dolor sit amet, consectetur adipiscing elit

  • Avail IDFC FIRST Personal Loan

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  • Avail IDFC FIRST Personal Loan

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Savings Account Fees and Charges

Schedule Of Charges For Savings Account Variants With Rs. 25,000 Average Monthly Balance (AMB) & Rs. 10,000 Average Monthly Balance

Open Now
Open a Savings Account

IDFC FIRST Bank offers ZERO FEE banking on ALL variants of Savings Account, including Rs. 10,000 AMB variant, Rs. 25,000 AMB variant, and all other variants. At IDFC FIRST Bank, we don’t touch your Bank account read more.

Recognised as a “Class Apart” among commercial banks in India by IIT Bombay and Moneylife Foundation, IDFC FIRST Bank stands committed to fair service practices and customer-first innovation. When you open a bank account online with us, you're choosing unmatched transparency, powerful tools, and real value.

Take the smarter step forward—open a savings account online with IDFC FIRST Bank and experience qa better way to save, transact, and grow your wealth with confidence.

Whether you are planning for short-term needs or building wealth for the future, now is the right time to open a savings bank account with IDFC FIRST Bank. Our advanced mobile banking app lets you manage funds, monitor expenses, invest, and even access rewards—all from one convenient platform. read less.

Enjoy Zero Charges on All Savings Account Services:

IMPS charges (outward)

Free

IDFC FIRST Bank ATM Transactions

Free

Debit Card Annual Charges 

Free

Cheque Book Reissue

Free

Third-Party Transactions at Branches

Free

Cheque Return (Issued)

Free

Duplicate Statement Issuance

Free

Doorstep Banking Services

Free

Account Closure

Free

Standing Instruction Failure

Free

Signature Attestation

Free

Address Confirmation

Free

NEFT Transfer (Outward)

Free

Other Bank ATM Transactions

Free

Debit Card Replacement or Reissue

Free

Cash Transactions at Branches(by number)

Free

Stop Cheque Payment

Free

DD/ PO Issuance at Branch

Free

Duplicate Passbook Issuance

Free

Balance Certificate Issuance

Free

International ATM or POS Transactions

Free

ECS Return

Free

Old Transaction Records Retrieval

Free

I-PIN Regeneration

Free

RTGS Transfer (Outward)

Free

Debit Card Issuance

Free

SMS Alerts

Free

Cash Transactions at Branches(by value)

Free

Cheque Return (Deposited)

Free

DD/ PO Cancellation or Revalidation

Free

ATM Decline Charges for Low Balance

Free

Interest Certificate Issuance

Free

Standing Instruction Setup

Free

Photo Attestation

Free

Return of Deliverables Due to Issues

Free

SMS Debit Card PIN Regeneration

Free

IMPS charges (outward)

Free

IDFC FIRST Bank ATM Transactions

Free

Debit Card Annual Charges 

Free

Cheque Book Reissue

Free

Third-Party Transactions at Branches

Free

Cheque Return (Issued)

Free

Duplicate Statement Issuance

Free

Doorstep Banking Services

Free

Account Closure

Free

Standing Instruction Failure

Free

Signature Attestation

Free

Address Confirmation

Free

NEFT Transfer (Outward)

Free

Other Bank ATM Transactions

Free

Debit Card Replacement or Reissue

Free

Cash Transactions at Branches(by number)

Free

Stop Cheque Payment

Free

DD/ PO Issuance at Branch

Free

Duplicate Passbook Issuance

Free

Balance Certificate Issuance

Free

International ATM or POS Transactions

Free

ECS Return

Free

Old Transaction Records Retrieval

Free

I-PIN Regeneration

Free

RTGS Transfer (Outward)

Free

Debit Card Issuance

Free

SMS Alerts

Free

Cash Transactions at Branches(by value)

Free

Cheque Return (Deposited)

Free

DD/ PO Cancellation or Revalidation

Free

ATM Decline Charges for Low Balance

Free

Interest Certificate Issuance

Free

Standing Instruction Setup

Free

Photo Attestation

Free

Return of Deliverables Due to Issues

Free

SMS Debit Card PIN Regeneration

Free

Non maintenance charges for Savings Account

Particulars
₹25,000 Variant (Effective 1st January, 2025)
₹10,000 Variant (Effective 1st January, 2025)
Average Monthly Balance Requirement
₹25,000
₹10,000
Non Maintenance Charges of AMB
6% of the AMB shortfall or ₹500,
whichever is lower
6% of the AMB shortfall or ₹500,
whichever is lower

Testimonials

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Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra. Id ac nibh phasellus diam dui vel risus justo. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra. Id ac nibh phasellus diam dui vel risus justo. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra. Id ac nibh phasellus diam dui vel risus justo. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

FAQs

What is a personal loan?

When a loan is taken out to purchase a pre-owned car, it is called a repurchase loan.

A Current Account is an account that is used by business enterprises or self-employed professionals to carry out business-related transactions. It allows businesses to carry out a higher number of transactions daily.

What can a personal loan be used for?

Anyone who meets any of the following requirements can apply:

- Self Employed Professionals

- Hindu Undivided Family (H.U.F.)

- Sole Proprietorship

- Partnership

- OPC / Private & Public  Limited Company

- Limited Liability Partnership

How do I check my eligibility for a personal loan?

You can open an IDFC FIRST Bank Current Account by visiting your nearest bank branch or click here to apply online.

How can I manage my EMI schedule?

The documents required to open a Current Account are based on your constitution type. Click here to view the list of documents.

How much time does it take to process a pre-owned car loan?

It takes 1 day to sanction the loan and further 2 days to process the payment after all the relevant documents have been provided.

How much loan can I get on repurchase of a pre-owned car?

You can get loan up to 100% of the valuation of your desired pre-owned car basis your credit score and Bank's internal assessment criteria.

How much loan can I get against a pre-owned car?

You can get loan of up to 200% of the valuation of your pre-owned car basis your credit score and Bank's internal assessment criteria.

What are special offers by IDFC FIRST Bank pre-owned car loan/loan against car?
  1. Re-purchase:

    • • Rate of Interest: Starting as low as 11.99%* per annum
    • • Tenure: up to 7 years
    • • Loan Amount: From ₹1 Lakh up to ₹2 Cr
    • • Funding: Up to 100% of the valuation of the car

  2. Re-finance/Loan against Car:

    • • Rate of Interest: Starting as low as 13.99%* per annum
    • • Tenure: Up to 5 years
    • • Loan Amount: From ₹1 Lakh up to ₹50 lakhs
    • • Funding: Up to 200% of the valuation of the car

More FAQs

Blogs

What is a Quick cash loan in IDFC FIRST Bank?

18 Mar 2023 | 3 mins read

How to calculate your personal loan EMI? Is there a calculator?

18 Mar 2023 | 3 mins read

Benefits of Fixed Interest Personal Loans in IDFC FIRST Bank?

18 Mar 2023 | 3 mins read
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FEATURED

What is a Quick cash loan in IDFC FIRST Bank?

18 Mar 2023 | 3 mins read
FEATURED

How to calculate your personal loan EMI? Is there a calculator?

4 Feb 2023 • 3 mins read
Products

Benefits of Fixed Interest Personal Loans in IDFC FIRST Bank?

05 Apr 2023 • 3 mins read
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