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IDBI Current Account

IDBI Retail Current Account provides the flexibility of banking with the Suprema Current Account scheme. There are five different product variants available with the IDBI Current Accounts. They are

  1. Universal Current account
  2. Special Current account
  3. Silver Current account
  4. Gold Current account
  5. Platinum Current account

The basic features of the various IDBI Current Accounts are as follows:

Universal Current Account

  • Electronic Funds Transfer can be made.
  • Cash deposit limit of Rs.12 Lac per month inclusive of both home and non-home branch
  • Free checkbook with 100 leaves per month
  • Collection of outstation cheque on a branch and non-branch locations
  • Demand Drafts on branch and other branch locations

Special Current Account 

  • An account holder, in this case, can get payable at par (PAP) checkbook for free and there are no charges for PAP utilization of up to Rs 75 lac per month
  • No charges are levied on Electronic Funds Transfer of up to Rs 75 lac per month
  • Cash deposit limit of Rs.45 Lac per month inclusive of both home and non-home branch
  • Free checkbook with 300 leaves per month
  • No extra charges for collection of outstation cheque on branch locations of up to Rs 50 lac per month
  • Zero Charges on any branch for a maximum cash deposit of Rs 20,000 per day and cash withdrawal of Rs 1 lac per day

Silver Current Account 

  • No charges against PAP utilization of up to Rs 1.50 crore per month
  • Electronic Funds Transfer of up to Rs 1.50 crore per month is free
  • Cash deposit limit of Rs.85 Lac per month inclusive of both home and non-home branch
  • Free checkbook with 400 leaves per month
  • No extra cost is required for Pay Orders and Demand Drafts on RBI branch location

Gold Current Account

  • PAP utilization of up to Rs 3 crore per month is free
  • No charges for Electronic Funds Transfer of up to Rs 3 crore per month
  • Cash deposit limit of Rs.2 Crores per month inclusive of both home and non-home branch
  • Free checkbook with 500 leaves per month
  • Cash deposit of Rs 50,000 per day and cash withdrawal of Rs 1 lac per day is possible at any branch

Platinum Current Account

  • Utilization of PAP of up to Rs 5 crore per month and Electronic Funds Transfer of up to Rs 5 crore per month is possible without paying any extra charge
  • Collection of outstation cheque on branch locations of up to Rs 1 crore per month
  • Cash deposit limit of Rs.6 Crores per month inclusive of both home and non-home branch
  • Free unlimited cheques
  • No extra cost for Demand Drafts on non-branch locations of up to Rs 30 lac per month.