1. Royale Account: DBI Bank brings to those classes of customers who believe Royal is the way of living, a Savings Account which provides not just facilities and free services but a comfortable way of banking. The definition of Banking is extended beyond the realm of the regularity it depicts. Some exclusive features are as:

• A state of art welcome kit carrying all customers deliverables with all the Cheque books, debit card and other contents are specially designed keeping in mind customer taste and attitude.
• Access to any Bank ATM domestic as well International is free of charges.
• Access to free RTGS and NEFT services through branch as well as Net- Banking.
• Enroll a Family Member into IDBI Preferred Banking Gamut by opening a Power Plus account given as complimentary by the Bank.

Benefits of Royal Account International Platinum Debit Card:

• Enhanced Access at ATMs and Merchant Establishments
• International Validity: The Platinum Debit Card can be used both in India and abroad to make purchases at Merchant locations and withdraw local currency at ATMs.

Benefits:

• Petrol Surcharge Waiver
• Petrol surcharge will be waived off for transactions carried out on the Platinum Card. Surcharge will be waived only for transactions with a value between Rs.400 and Rs.5,000.

Insurance Cover: In addition to insurance cover for lost and counterfeit cards up to Rs. 5,00,000/-, customers will also be covered for:

• Personal Accident cover: Rs.5 lakhs
• Loss of checked baggage: Rs.50,000
• Purchase Protection: Rs.20,000
• Fire and Burglary for House Hold Contents: Rs.50,000

Daily limits: Customers can withdraw cash up to Rs.1,50,000 and make purchases worth Rs. 3,00,000 in a day.
Online transactions: Platinum Debit Card can be used online, for shopping, booking air/rail/movie tickets & utility bill payments.
Loyalty Redemptions: Customers will gain two loyalty point for every Rs. 100 spent on the Platinum Card. Customers can redeem each point for a cash credit of Rs. 1 to their account.
Discounts at merchant establishments: We have tied up with different merchants to offer discounts to our Platinum Card holders. Platinum Card customers can avail of this discount by making purchases through the Platinum Cards at these merchant locations.
Convenience:

• Doorstep banking: Free 2 cash pick up and 2 cash delivery per month.
• Anywhere banking: Complimentary any where banking service free for those upgrading to Royale Plus.
• Access to banking through Internet, ATM, Mobile, Phone.
• Higher limit on NEFT and RTGS.

Personalized Services:

• Dedicated Relationship Manager who can assist you on Investment advisory, Portfolio management and personalized services.
• Preferred recognition across branches.

Discounts:

• Free Locker (Size: 5 x 6 x 19) or 50% discount in other locker rentals.
• Discount on Demat transaction charges.
• All these facilities and more brought to you for an Average Quarterly balance of Rs.3 lakhs in Royale and Rs.5 lakhs in Royale plus Savings account.

How to Apply: Applying for a Royale Account is absolutely simple. Just call Phone Banking numbers or visit your Nearest Branch. IDBI representative will contact customer at the earliest.
2. Preferred Account
Benefits of Preferred Account

• A state of art welcome kit carrying all customers deliverables.
• Free Passbook facility available at home branch for account holders (individuals).
• Personalized cheque book with at par facility.

International Gold Debit Card:

• Higher limit of cash withdrawal and point of sale.
• Petrol Surcharge Waiver: Petrol surcharge will be waived off for transactions carried out on the Gold Card. Surcharge will be waived only for transactions with a value between Rs.400 and Rs.2,000.
• Attractive Insurance Cover
• Daily limits: Cash withdrawal limit of Rs.1,00,000/- at ATMs and POS usage limit of Rs. 1,00,000/- per day.
• Online transactions: Gold Debit Card can be used online, for shopping, booking air/rail/movie tickets & utility bill payments.
• Discounts at merchant establishments: Gold Card customers can avail of discounts available at various merchant outlets by making purchases through the Gold Cards at these merchant locations.
• Access ATMs across globe and enjoy higher free limits on transactions.

Convenience:

• Doorstep banking 2 Cash pickup and delivery free per month.
• Anywhere banking.
• Access to banking through Internet, ATM, Mobile, Phone.
• Higher limit on NEFT and RTGS.

Personalized Services:

• Dedicated Relationship Manager who can assist you on Investment advisory, Portfolio management and personalized services.
• Preferred recognition across branches.

Preferred Discounts:

• Discount on Demat transaction charges.
• 50% discount on Locker.
• All the above facilities are made available to customer at maintenance of Rs.1 lakhs as Average. Quarterly balance in Customer Savings Account or Rs.5 lakhs in Fixed Deposit Account .

How to Apply: Applying for a Preferred Account is absolutely simple. Just call Phone Banking numbers or visit your Nearest Branch. IDBI representative will contact customer at the earliest.
3. Powerplus Account A power packed account acting as a stepping stone to the Preferred Banking services and availability of better services. The facilities and benefits provided are drawn absolutely on your day to day requirement from the Bank.
Benefits Customer can avail by opening a Power Plus Account:

• Account Holder may opt to either maintain a balance in customer savings account of Rs.50,000 in a quarter or earn higher returns on the Term Deposit and avail benefits under Power Plus by linking your TD with the savings account. Minimum TD of Rs.5 lakhs.
• Free NEFT upto Rs. 1 lakh per month through our branch channel.
• Any branch cheque deposit and account to account transfer free.
• Enhanced limit on cash withdrawal and POS on your International Debit cum ATM card.
• 25% discount on Locker of any size with the Bank.
• First year AMC free if you open a Demat account with the Bank.

How to Apply For further details please write to us on customercare@idbi.co.in or contact us on Toll-free Nos.1800-200-1947 , 1800-22-1070, 1800-22-6999 Debit Card Blocking Toll Free Number, Contact Number for Outside India customers (Non-Toll Free) +91-22-66937000

1. Super Savings Account: The Super Savings Account provides you a complete banking convenience and financial package to access customer money with the ease. IDBI Bank offers customer a range of savings account for optimal management of customer money. With Account, customer not only save your money but also make it grow.
Account Advantage

• Faster transfer of funds
• options to pay customer bills or tax
• Good options to grow money at attractive interest rates Instant Banking
• International Debit Card
• Demand drafts and Pay order
• Easy Payments
• Bank on the Move
• Profit from your Account
• Value Added Services
• Travel and Gift Solutions

Account Features and Benefits

• MAB – Rs. 5000 (Metro & Urban), Rs. 2500 (Semi Urban), Rs. 500 (Rural)
• International Debit cum ATM Card
• Free five ATM transactions at other Bank ATMs at Non Metro Locations
• Pass-book facility

How to Apply Applying for a Super Savings Account is absolutely simple. Just call Phone Banking numbers or visit your Nearest Branch. IDBI representative will contact you at the earliest.
2. Woman Savings Account | SuperShakti Women Account: IDBI Bank is introducing a special savings account for women, which we have coined as SuperShakti women account. Along with this, we are also offering a zero balance savings account absolutely free for her child below the age of eighteen years.
IDBI Bank SuperShakti (Women’s) Account Advantages

• Two free accounts for their children below the age of eighteen years
• Simple Documents
• Faster transfer of funds
• Online options to pay customer bills or tax

IDBI Bank SuperShakti (Women’s) Account Features and Benefits

• MAB – Rs. 5000 (Metro & Urban), Rs. 2500 (Semi Urban), Rs. 500 (Rural)
• Two zero balance account for your child below the age of 18 years
• Auto Sweep out / sweep in facility above Rs. 15,000
• Specially designed Women’s International ATM cum Debit card.
• Higher ATM cash withdrawal Limits- Rs. 40,000/- per day
• Personalized PAP Cheque Book
• 25% discount* on Locker services
• 50% discount on Demat AMC
• Free Statement by e-mail
• Free ten transaction at other Bank ATM

How to Apply Applying for a SuperShakti (Women's) Account is absolutely simple. Just call Phone Banking numbers or visit customer Nearest Branch. Our representative will contact customer at the earliest.
3. Senior Citizen Account: IDBI Bank has brought to the senior citizens an account that can facilitate your banking transactions with hosts of facilities catering to the needs of the customer. This is deal in which you cannot just save the money but also make it grow by availing the auto Sweep Out / Sweep In facility.
IDBI Bank Senior Citizen Account Advantage

• Zero Balance savings account
• Simple Documents
• Faster transfer of funds
• Online options to pay your bills or tax
• Free Statement by email

IDBI Bank Senior Citizen Account Features and Benefits

• One free zero balance sponsor account
• 25% discount* on lockers charges
• Sweep In/Out FD option available for balance above Rs. 15,000/-
• Higher ATM cash withdrawal Limits- Rs. 50,000/- per day
• Free ten transaction at other Bank ATM

How to Apply To open Jubilee Plus (Senior Citizens) Account is absolutely simple. Just call Phone Banking numbers or visit your Nearest Branch. Our representative will contact you at the earliest.
4. Being Me Account | Savings Account for Youth IDBI Bank introduces special saving accounts for the Youth. "Being Me" savings account is a specially designed product for today’s youth. The objective is to establish a bond with the Youth and help them to inculcate financial discipline.
IDBI Bank Being Me Savings Account Advantages

• Preferential rate on educational loan
• Preference for Project work at Bank (subject to availability of seats)
• Training on financial planning
• Discounted charges for opening of share trading account with ICMS

IDBI Bank Being Me Savings Account Features and Benefits

• Account opening Amount – Rs. 2,500/-
• No charges for non maintenance of MAB
• Exclusive designed Debit cum ATM Card for Today’s Youth
• ATM cash withdrawal limit and Point of Sale limit through "Being Me" card is Rs. 25,000/- per day
• Free five ATM transactions at other Bank ATMs at Non Metro Locations
• Pass-book optional
• Faster transfer of funds
• Online options to pay your bills or tax

How to Apply To open Being Me Savings Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
5. Power Kids Account | Children Saving Account IDBI Bank realized the importance of introducing a product specifically catering to this market. These days, parents' start saving money for their children right from the day they are born and by supporting this thought IDBI Bank has designed the “POWERKIDZ” account, cut for the needs of children.
It is a piggy bank for the Kids that will not just keep their money safe but provide an interest on the same, allow them to take out money when required, make smart purchases by way of exclusive debit card, teach them to operate their account in a better and convenient way and also advise them from time to time about better investment options.
Kids at a young age can start saving the amount received from parents/guardian into these account which will not just inculcate the habit of saving but also act as an instrument in guiding them into financial sector. Coupled with various training programs and with insight to various other products children can make better investment decisions in future. They can even have the benefit by availing education loan from IDBI Bank at a competitive interest rate for funding their higher education in India and Overseas.
IDBI Bank Power Kids Account Features and Benefits

• MAB of Rs. 500
• No charges for non maintenance of MAB
• Exclusive designed Kids ATM Card*
• Withdrawal limits up to Rs. 2,000 at ATM / POS
• Personalized Cheque Book
• Free monthly statements via mail on request
• Free Passbook
• Demand Drafts and Pay orders on request
• Free five ATM transactions at other Bank ATMs at Non Metro Locations

Simple Documentation
List of documents required for Power kids accounts

• I S A of Guardian
• Minor Declaration to be signed by the Guardian
• Guardian's photograph and signature required on AOF
• Only natural guardians as per law are acceptable, otherwise guardian should be a person appointed by a court of law
• Only natural guardians as per law are acceptable, otherwise guardian should be a person appointed by a court of law
• Two Minors or two guardians not allowed in a minor account

For Minor Date of Birth proof

• Birth Registration certificate • Passport • Report card showing DOB • School ID card with Photo and DOB mentioned

Authentication and Certification

• Minor Declaration to be signed by the Guardian • All supporting documents to be signed by the customer i.e. self-attestation and the officer verifying the original documents • If Minor above 10 years and he himself operates the account, his/her photo is required • On attaining majority, the accounts will be frozen and the freeze will be removed only after submission of documents

How to Apply To open Power Kids Account is very simple. Just call Phone Banking numbers or visit your Nearest Branch. IDBI representative will contact you at the earliest.
6. Small Account (Relaxed KYC): IDBI Bank introduces Small Account (Relaxed KYC) - a savings account that’s literally meant for everyone. Completely elementary in its approach and Zero Balance account for inclusive banking.
The IDBI Bank Small Account Advantage

• Free Debit cum ATM card
• SMS & Email Alerts for any transaction in your account
• Free consolidated monthly account statements through E-mail

IDBI Bank Small Account Features and Benefits

• Debit cum ATM Card and Cheque Book- Get an ATM cum Debit Card (free of cost) and cheque book on request. The card allows Customer to transact at IDBI Bank ATMs and shop at retail outlets. The cheque book however, will help Customer to carry out other banking transactions.


• Multiple ways to access your account- Now Customer don’t need to visit the bank time and again. Our unique services like Phone Banking, SMS Banking and Internet Banking will allow Customer to access customer account from anywhere, anytime.


• No charges for any Branch (Home & Non-Home Branch) Cash deposit- Now Customer don’t have to pay for cash deposit at any branch.

How to Apply To open Small Account (Relaxed KYC) is very simple. To know more about IDBI products and services, please get in touch with Customer Relationship Manager or Branch Head or email us at customercare@idbi.co.in
7. Sabka Basic Savings Account (Complete KYC) | Regular Saving Account IDBI Bank Presenting, Sabka Basic Savings Account (Complete KYC). It is a SB product that doesn't require a minimum balance and through which IDBI Bank intends to extend its services to a vast section of population for Financial Inclusion.
The IDBI Bank Sabka Basic Savings Account Advantage

• Zero Balance Savings Accounts
• Free International Debit cum ATM card
• SMS & Email Alerts for any transaction in your account
• Free consolidated monthly account statements through E-mail

IDBI Bank Sabka Basic Savings Account Features and Benefits

• Debit cum ATM Card and Cheque Book- Get an ATM cum Debit Card (free of cost) and cheque book on request. The card allows you to transact at IDBI Bank ATMs and shop at retail outlets. The cheque book however, will help you carry out other banking transactions.


• Multiple ways to access your account- Now you don’t need to visit the bank time and again. IDBI Bank unique services like Phone Banking, SMS Banking and Internet Banking will allow Customer to access customer account from anywhere, anytime.


• No charges for any Branch (Home & Non-Home Branch) Cash deposit- No charges for any Branch (Home & Non-Home Branch) Cash deposit. Now Customer don’t have to pay for cash deposit at any branch.

How to Apply To open Sabka Basic Savings Account (Complete KYC) is very simple. To know more about our products and services, please get in touch with Customer Relationship Manager or Branch Head or email us at customercare@idbi.co.in
8. Pension Saving Account: Pension Savings Account has been specially designed keeping your requirements in mind. With this account Customer can expect banking anywhere, anytime. Customer can avail of special privileges, easier and quicker transactions and value-added services loaded with a host of exclusive offers to enjoy a renewed experience of convenient and hassle-free banking.
The IDBI Bank Pension Saving Account Advantage

• Faster transfer of funds
• Online options to pay your bills or tax
• Good options to grow money at attractive interest rates Instant Banking
• International Debit Card
• Demand drafts and Pay order
• Easy Payments
• Bank on the Move
• Profit from your Account
• Value Added Services
• Travel and Gift Solutions

IDBI Bank Pension Saving Account Features and Benefits

• Zero Balance Account
• No charges for non maintenance of MAB
• International ATM cum Debit card
• Personalized multicity Cheque Book
• Free five ATM transactions at other Bank ATMs at Non Metro Locations

How to Apply Applying for a Pension Savings Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
9. Capital Gain Account Scheme - Capital Gain Account IDBI Bank has been authorized to accept deposits under the Capital Gains Accounts Scheme (CGAS), 1988 (Gazette notification dated November 29, 2012 from CBDT)
The scheme facilitate investment in order to save Capital Gains tax for the Capital Gains made by selling a capital investment like residential house, flat, shares, family businesses, farm houses, agriculture land etc. under Central Governments Capital Gains scheme, 1988.
IDBI Bank’s Capital Gain Account Scheme can be availed by

• Resident Individuals
• Body of individuals
• Non-individuals like Hindu Undivided family (HUF)
• Sole proprietorship firms
• Partnership firms companies
• Association of persons etc.

IDBI Bank Capital Gain Account Features

• Nature of facility- Acceptance of deposits in the form of Savings Deposit or Term Deposit for availing benefit under CGAS, 1988 by the depositor


• Target Segment- All entities of investors looking at investment to save Capital Gains Tax


• Types of deposit- There will be two types of deposit accounts
• Deposit Account-A: Saving Account.
• Deposit Account-B: Term Deposit Account


• Minimum Amount- Minimum amount should be Rs. 10,000/-


• Maximum Amount- Rs. 100 Crore


• Minimum /Maximum period-
• 15 days minimum and maximum upto 20 years
• 45 days minimum and maximum 20 years for senior citizen


• Rate of interest-
• Deposit A: Savings Bank rate as per RBI guidelines
• Deposit B: As decided by ALCO from time to time
Retail, Preferential and Bulk category- Existing Term Deposit Card rate for retail, Premium and Bulk deposit as applicable Senior Citizen - Senior Citizens get an extra benefit on the interest rate (0.5% extra) for deposit from 1 year and above.

• TDS- As per extant IT guidelines


• Interest Calculation- As per extant guidelines for SB and Term Deposit


• Premature withdrawal- As per CGAS, 1988 guidelines Withdrawal of more than Rs. 25,000/, will be allowed through crossed Demand Draft/ Pay Order/ NEFT/ RTGS only


• Premature withdrawal and Penalty- As per guidelines issued from time to time. Presently under RTD no premature penalty is prescribed, hence no premature penalty is proposed if TD booked under the scheme. CGAS 1988 provides for 1% penalty for premature withdrawal


• Utilization of the amount of withdrawal- As per the guidelines of the CGAS, 1988


• Loan / Overdraft against Fixed Deposit- Not Applicable


• Overdue deposit- Interest on overdue deposit is paid as per prevalent policy of the bank from time to time


• Sweep-in options (i.e. Fund flowing from FFD to operative a/c- Not Applicable


• Nature of FD receipt- Confirmation of Deposit (COD) as per present process and guidelines


• Change or alienation- Amount standing to the credit of the depositor in any account under the Scheme shall not be offered as security for any loan or guarantee and shall not be charged or alienated in any manner, whatsoever


• Transfer and conversion of Account- Allowed as per the Bank as well as CGAS 1988 guideline. The process and guidelines of bank and CGAS 1988 Scheme to be followed


• Issue of Duplicate Pass Book or Receipt- In the event of loss or destruction of pass book or receipt, the branch may issue, on application made to it, a duplicate thereof


• Nomination by an Individual- As per the guidelines of the CGAS, 1988


• Other features- The operations of the accounts shall be guided by the provision of the CGAS, 1988

How to Apply Applying for a Capital Gain Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact Customer at the earliest.

Flexi Current Account IDBI Bank Flexi Current Account offers facilities befitting Customer growing business needs. The more Customer avail the more facilities customer get free. It offers Customer hassle free banking which act as business enhancer.
The IDBI Bank Flexi Current Account Advantage

• Multicity Cheque Book
• Free NEFT, RTGS
• Internet Banking / Mobile Banking / SMS Alert

IDBI Bank Flexi Current Account Benefits

• Instant Account Opening- IDBI provide instant account opening facilities.


• Dynamic Free Facilities- All the banking services are availed by IDBI customers linked to the monthly average balance maintained. The facilities would vary every month based on the monthly average balance and hence considered dynamic.


• Customized solutions– With Customized Solution, the customer is offered Flexi Current Accounts that is tailor made with features, facilities and services as per their requirement.


• Home / Doorstep Banking Facility*- IDBI have specialized representatives for our preferred customers to execute Customer banking needs more easily.


• Free Platinum / Gold Card*- We provide free platinum and gold debit-cum-ATM card.

How to Apply Applying for a Flexi Current Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.

1. IDBI Bank Imperial Salary Account IDBI Bank Imperial Salary Account is offered only to selective customers. We realize that everyone in an organization is having special position of existence by having different monetary and banking needs. With Customer fast paced life, back-to-back meetings, tight deadlines, and mounting pressures IDBI Imperial Salary Account has been specially designed keeping Customers requirements in mind. With this account customer can expect banking anywhere, anytime.
IDBI Bank Salary Account Advantage

• Multi city at Par cheque books per quarter
• 24x7 conveniences at no charges
• Internet Banking, Mobile Banking and Phone Banking
• Interest concession on Home Loans, Auto Loans
• Electronic Fund Transfers across all branches
• Discount on locker facility subject to AQB maintained

IDBI Bank Salary Account Features The basic features of Imperial Salary Accounts that we offer are as follows

• Gold Debit Card - Get a free Gold Debit card and set up direct debit for all your expenses


• Insurance Cover - Personal Accident covers upto Rs. 3 Lacs and Purchase Protection upto Rs. 50,000 upto 90 days


• Demand Drafts and Pay Orders - IDBI Bank provides concession in Demand drafts and pay orders


• Hassel free banking - IDBI Bank have specialized representatives for our preferred customers to execute customers banking needs more easily.


• Electronic Fund Transfers facility - RTGS, Card to Card transfer and Fund Transfer services are available with it

How to Apply To open Imperial Salary Account is absolutely simple. Just call Phone Banking numbers or visit your Nearest Branch. Our representative will contact you at the earliest.
2. IDBI Bank Crown Salary Account Our Crown Salary Account has been specially designed keeping your requirements in mind. With this account you can expect banking anywhere, anytime. You can avail of special privileges, easier and quicker transactions and value-added services loaded with a host of exclusive offers to enjoy a renewed experience of convenient and hassle-free banking. As an esteemed Crown Salary Account holder you will be entitled to loads of benefits.
IDBI Bank Salary Account Advantage Some of the benefits that you are entitled to as an employee.

• Multi city at Par cheque books per quarter
• 24x7 conveniences at no charges
• Internet Banking, Mobile Banking and Phone Banking
• Interest concession on Home Loans, Auto Loans
• Discount on locker facility subject to AQB maintained

IDBI Bank Salary Account Features The basic features of Imperial Salary Accounts that we offer are as follows

• Gold Debit Card - Get a free Gold Debit card and set up direct debit for all Customer expenses


• Insurance Cover - Personal Accident covers upto Rs. 3 Lacs and Purchase Protection upto Rs. 50,000 upto 90 days


• Demand Drafts and Pay Orders - We provides concession in Demand drafts and pay orders


• Hassel free banking - We have specialized representatives for IDBI preferred customers to execute Customer banking needs more easily

How to Apply To open Imperial Salary Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
3. IDBI Bank Star Salary Account Our Star Salary Account has been specially designed keeping your requirements in mind. With this account Customer can expect banking anywhere, anytime. Customer can avail of special privileges, easier and quicker transactions, and value-added services to enjoy a renewed experience of convenient and hassle-free banking. As an esteemed Star Salary Account holder customer will be entitled to loads of benefits.
IDBI Bank Star Salary Account Advantage Some of the benefits that customers are entitled to as an employee.

• Multi city at Par cheque books per quarter
• 24x7 conveniences at no charges
• Internet Banking, Mobile Banking and Phone Banking
• Any Branch Banking –cash withdrawal and deposits

IDBI Bank Star Salary Account Features The basic features of Imperial Salary Accounts that we offer are as follows

• Zero Balance Account- Zero balance account can be opened


• Debit-cum-ATM card- IDBI Bank provide Free International Classic debit-cum-ATM card


• Insurance Cover- Rs.3 lakhs personal accident Insurance and Rs. 50000 purchase protection cover for Insurance


• Demand Drafts and Pay Orders- We provides concession in Demand drafts and pay orders


• Hassel free banking- We have specialized representatives for our preferred customers to execute customer banking needs more easily

How to Apply To open Star Salary Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
4. IDBI Bank Prime Salary Account IDBI Bank offers Prime Salary Account specifically for Customers employees by keeping their banking requirements in mind. With this account customer can expect banking anywhere, anytime. customer can avail of special privileges, easier and quicker transactions and value-added services loaded with a host of exclusive offers to enjoy a renewed experience of convenient and hassle-free banking. Some of the benefits that Customer employees would be entitled to are.
IDBI Bank Prime Salary Account Advantage Some of the benefits that you are entitled to as an employee Some of the benefits that you are entitled to as an employee.

• Multi city at Par cheque books per quarter
• 24x7 conveniences at no charges
• Internet Banking, Mobile Banking and Phone Banking
• Any Branch Banking –cash withdrawal and deposits

IDBI Bank Prime Salary Account Features The basic features of Imperial Salary Accounts that IDBI offer are as follows

• Zero Balance Account- Zero balance account can be opened


• Debit-cum-ATM card- IDBI provide Free International Classic debit-cum-ATM card


• Demand Drafts and Pay Orders- IDBI provides concession in Demand drafts and pay orders


• Hassel free banking- IDBI have specialized representatives for IDBI preferred customers to execute customer banking needs more easily

How to Apply To open Prime Salary Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
5. IDBI Bank Pride Salary Account Our Pride Salary Account is our tribute to the defence personnel of the country, which has been specially designed keeping Customers requirements in mind. With this account customer can expect banking anywhere, anytime. Customer can avail of special privileges, easier and quicker transactions and value-added services loaded with a host of exclusive offers to enjoy a renewed experience of convenient and hassle-free banking. As an esteemed Pride Salary Account holder customer will be entitled to loads of benefits. Some of the benefits that customer are entitled to as an employee:
IDBI Bank Pride Salary Account Advantage Some of the benefits that Customer are entitled to as an employee.

• Multi city at Par cheque books per quarter
• 24x7 conveniences at no charges
• Internet Banking, Mobile Banking and Phone Banking
• Any Branch Banking –cash withdrawal and deposits
• Electronic Fund Transfers across all branches

IDBI Bank Pride Salary Account Features The basic features of Imperial Salary Accounts that IDBI offer are as follows

• Zero Balance Account- Zero balance account can be opened


• Debit-cum-ATM card- IDBI provide Free International Classic debit-cum-ATM card


• Demand Drafts and Pay Orders- IDBI provides concession in Demand drafts and pay orders


• Hassel free banking- IDBI have specialized representatives for IDBI preferred customers to execute customer banking needs more easily

How to Apply To open Prime Salary Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
6. Indian Army Salary Account IDBI Bank is proud to be associated with India's most prestigious and the largest component of the Indian Armed Forces 'Indian Army'. IDBI Bank wishes to offer the best of services to those who offers the nation protection and ensures peace and security within its border.
IDBI Bank Salary Account Advantage

• Multi city at Par cheque books per quarter
• 24x7 conveniences at no charges
• Electronic Fund Transfers across all branches
• Preferential rate for safe deposit lockers
• Access to any branch free of cost for Cheque deposit, account to account money transfer, cash withdrawal and cash deposit
• Instant Credit of outstation cheques upto Rs. 25,000 /-
• No charges and no minimum balance accounts for the family members of Army Personnel

IDBI Bank Indian Army Salary Account Features The basic features of Indian Navy Salary Accounts that we offer are as follows

• Debit-cum-ATM card- Usage of IDBI Bank ATM network free of cost sage of any other bank's ATM for domestic as well as international transactions free of cost - subject to RBI regulations as applicable from time to time. Free international Debit cum ATM card which can be used for cash withdrawal as well as for shopping.


• Hassel free banking- IDBI have specialized representatives for IDBI preferred customers to execute customer banking needs more easily.


• Free Alternate Channel banking facilities- Internet banking, Phone banking, Mobile banking, Mobile payment service and Account alerts. Free Bill pay, on-line tax payments, funds transfer on customer savings account and much more through Internet Banking.


• Electronic Fund Transfers facility- Card-to-Card Transfer facility using the Visa Money Transfer Service are available within this account.


• Personalised Advisory Service- IDBI offer Investment Advisory Services and Free facility of setting up of standing instructions.


• Insurance cover- Accidental Insurance and purchase protection at Bank's cost.


• Special discount on Home loan- A special discount of 75 bps on home loans to Gallantry Award winners, War Widows and War disabled army personnel.

How to Apply To open Indian Army Salary Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
7. IDBI Bank Indian Navy Salary Account IDBI Bank is proud to be associated with the naval branch of the Armed forces of India 'Indian Navy'. IDBI Bank wishes to offer the best of services to those who offers nation protection and also plays crucial role in providing humanitarian relief.
IDBI Bank Indian Navy Salary Account Advantage Some of the benefits that you are entitled to as an employee.

• Multi city at Par cheque books per quarter
• 24x7 conveniences at no charges
• Electronic Fund Transfers across all branches
• Lifetime Unique Account Number.
• Preferential rate for safe deposit lockers
• Interest concession on Home Loans, Auto Loans, Personal Loan, and Education Loan
• Access to any branch free of cost for Cheque deposit, account to account money transfer, cash withdrawal and cash deposit

IDBI Bank Indian Navy Salary Account Features The basic features of Indian Navy Salary Accounts that we offer are as follows

• Zero Balance Account- Zero balance account can be opened


• Debit-cum-ATM card- Usage of IDBI Bank ATM network free of cost also usage of any other bank's ATM for domestic as well as international transactions free of cost - subject to RBI regulations as applicable from time to time


• Demand Drafts and Pay Orders- We provides concession in Demand drafts and pay orders


• Salary Accounts with flexi fixed deposit facility- Salary savings account with Flexi Fixed Deposit facility allowing a sweep out to fixed deposit from salary account over Rs. 25000 in multiples of Rs. 10000 for FD tenure of minimum 6 months


• Hassel free banking- We have specialized representatives for our preferred customers to execute your banking needs more easily


• Free Alternate Channel banking facilities- Internet banking, Phone banking, Mobile banking, Mobile payment service and Account alerts. Free Bill pay, on-line tax payments, funds transfer on your savings account and much more through Internet Banking


• Electronic Fund Transfers facility- Card-to-Card Transfer facility using the Visa Money Transfer Service are available within this account


• Personalised Advisory Service- IDBI offer Investment Advisory Services

How to Apply To open Indian Navy Salary Account is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. representative will contact you at the earliest.

1. IDBI Bank Freedom Deposit IDBI Bank’s ‘Suvidha Fixed Deposit’ is now 'Freedom Deposit' has always stood for safety, credibility, attractive rates of interest and assured liquidity. What’s more, the interest rates on Freedom deposit are among the highest in the industry so Customer get the benefit of higher rate of return on customer savings.
IDBI Bank Freedom Deposit Advantage These deposits have been further packed with the following advantages.

• Anytime access to customer fixed deposits
• You can choose from tenure ranging from 15 days to 20 years for minimum deposits starting from Rs.10,000
• Attractive interest rate
• Senior Citizens get an extra benefit on the interest rate (0.5% extra) on fixed deposit of 1 year and above
• No penalty on premature withdrawal
• Avail of overdrafts against customer deposits at competitive rates.
• Auto renewal facility
• Various Deposit Options to suit customer needs

IDBI Bank Freedom Deposit Features Please go through the options given below to find out the one that suits customer requirements the most.

• Monthly, Quarterly and Annual Income Plans For those who seek regular incomes - A great option for people who require interest income at regular intervals. The interest income will be credited automatically into customer savings account at the interval (Monthly/Quarterly/Annual) specified by Customer. Monthly interest payout is calculated at monthly discounted rate and Annual interest payout is calculated at Simple interest rate. The deposit is automatically renewed on maturity so that customer don't lose interest for a single day. What more customer can book customers Fixed Deposit with only Rs.10,000.


• Quarterly Compounding ‘Freedom Deposit’ Ideal for those who want a higher rate of return combined with a low risk ‘Freedom Deposit’- This option re-invests the interest earned on customers deposit, every quarter resulting in a higher rate of return for customer. For example, the interest rate for a 2 years + 1 day deposit is 5.80% p.a. but the effective yield is higher at 6.11% p.a. on account of re-investment of the interest earned. Also, there is automatic renewal of 'Freedom Deposit' on maturity; hence customer don't lose interest for a single day. What's more customer can book customers Fixed Deposit with only Rs. 10,000.


• Sweep In Savings- Earn Fixed Deposit interest rate on customers savings account. This option offers customer the flexibility of a savings account combined with the safety and higher rate of interest on Fixed Deposit. Open a savings account and customer can link multiple Fixed Deposits to customers savings account. If there are no funds in the savings account the same can be broken from the Fixed Deposit through a debit card or a cheque. Moreover, the Fixed Deposit booked last will be broken first so that customer lose the least amount of interest.


• Overdraft against ‘Freedom Deposit’- Tide over customers urgent cash requirements without breaking customers ‘Freedom Deposit’ This option allows customer to continue earning the higher rate of interest on an ‘Freedom Deposit’ and at the same time, customer meet customers monetary requirements. An overdraft of upto 90% of the Freedom Deposit /Multiple Freedom Deposit held with the bank, will be setup in the account. The overdraft can be availed against a Freedom Deposit amount of Rs.10,000 or higher at competitive rates. Moreover, the overdraft is first given on the Freedom Deposit earning least interest so that customers interest payout is minimized.


• Senior Citizens Freedom Deposits' - Earn higher rates If customer is a senior citizen, customer have the advantage of earning higher interest on customers regular income plans and reinvestment plans. IDBI Bank interest rates for senior citizens are higher by 0.50% pa. for deposit from 1 year and above. Customer can choose their Fixed Deposit tenure ranging from 15 days to 20 years for minimum deposits starting from Rs.10,000.

How to Apply Applying for a Freedom Deposit is absolutely simple. Just call Phone Banking numbers or visit Customers Nearest Branch. IDBI representative will contact customer at the earliest.
2. IDBI Bank Suvidha Tax Saving Fixed Deposit IDBI Bank Tax-Saving Fixed Deposit which gives the dual benefits of tax exemption u/s 80c of the Income Tax Act and higher returns on customers investments with interest rates at 6.00% p.a. for regular deposits and 6.50% p.a. for Senior Citizens w.e.f. May 05, 2017. Invest in IDBI Bank Fixed Deposit and take home an entire bank, read through to know how.
IDBI Bank Suvidha Tax Saving Fixed Deposit Features

• Door to door complete banking experience
• Any individual or HUF can invest in IDBI Bank Suvidha Tax - Saving Fixed Deposit
• Customer can invest up to Rs. 1.5 lac for 5 years
• Get a lump sum amount as saving as customers deposits mature only after 5 years
• Customer can apply for Home Loans, Personal Loans and Education Loans, loans against Securities with minimal paperwork

Simply put, opening an IDBI Bank Suvidha Tax-Saving Fixed Deposit Account is like opening the door to complete banking experience.
How to Apply Applying for a Suvidha Tax Saving Fixed Deposit is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
3. IDBI Bank Recurring Deposit IDBI Recurring deposit helps customer to add their savings at customers complete convenience. With customer regular incomes, customer can start saving any fixed amount from 100 to less than 1 crore every month. The amount as decided by customer will be deducted every month from customers savings account.
The IDBI Bank Recurring Deposit Advantage

• No charges for executing customer standard instruction

IDBI Bank Recurring Deposit Features

• Pre-planned saving for a future goal
• Regular savings for a certain period of time
• The period of deposit can be from 1 year to 10 years
• Deposit can be start with minimum amount of Rs.100

How to Apply Applying for a Recurring Deposit is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
4. Godhuli Retail Term Deposit IDBI Banks Godhuli Retail Term Deposit ensures that when customers are nearing their retirement age of 60 years, breaking their fixed deposit prematurely is not amongst customers top concerns. With Godhuli Retail Term Deposit scheme customer fixed deposit will automatically start earning customer Senior-Citizen rates, when customer attain the age of 60 years.
IDBI Bank Godhuli Retail Term Deposit Features and Benefits

• The product is available to Resident Individuals aged between 55 years and above but less than 60 years
• Interest rate - Interest rate on Godhuli Term Deposits shall be applied separately across two deposit periods as illustrated below:

a). Period 1- From the date of booking till attainment of senior citizenship
In this period, the rate of interest applicable for the deposit would be the regular deposit rate applicable to non-senior citizen category and shall be applied on the original deposit amount.
b). Period 2- From the date of attainment of senior citizen.status till the date of maturity of the deposit
In this period, the rate of interest on senior citizen deposits prevailing at the time of booking the Godhuli deposit for the tenure corresponding to the residual tenure of the godhuli deposit (tenure from the date of attainment of senior citizen.status till the date of maturity of the deposit) shall be applied. The interest shall however be reset on the fixed deposit balance outstanding at the time of attainment of senior citizen status and not on the original deposit amount.

• Minimum amount – Rs.10,000
• The FD can be booked for a minimum tenor of 1 year & maximum tenor of 20 years.
• Maximum amount – less than Rs.1 Crore
• No penalty on premature withdrawal
• Renewal of deposit is not allowed
• Avail of overdrafts against customer deposits at competitive rates

How to Apply To know more about IDBI products and services, please get in touch with Customer Relationship Manager or Branch Head or email us at customercare@idbi.co.in.
5. IDBI Bank Floating Rate Term Deposit Floating rate term deposits (FRTDs), as the name suggests, are a variant of fixed deposits, wherein the rate of interest is not fixed for the entire tenor of the deposit, but moves in tandem with a reference rate, which is periodically reset. This deposit shall allow customer to take advantage of Interest Rate changes without closing and re-booking their Fixed Deposits. Thus, FRTDs is ideally suited for the financially literate investor, who is not averse to taking a call on the directionality of future interest rates/inflation. The rates offered at aligned to Bank's Treasury Bill rates that are auctioned every fortnightly at the RBI website and with a mark-up that shall be re-set once every calendar year.
Advantages of IDBI Bank Floating Rate Term Deposits

• Interest Payment - The interest on the deposit is payable quarterly on the last day of each quarter.


• Interest Reset - Every 3 months, coinciding with calendar quarters – on April 1, July 1, October 1 and January 1 every year.


• Liquidity - One can avail a loan/overdraft against term deposit. At the discretion of the Branch Manager, overdraft/loan up to 90% of FRTD amount may be provided. The loan/overdraft will be given at interest rate of 2.0% p.a. above the interest rate paid on the deposit, with reduction up to 1.0% as per DoP applicable for Fixed Rate Deposits.


• Nomination facility - Nomination facility is available free of charge.


• Minor's account - A minor alone cannot open an FRTD as the maturity amount cannot be determined at the time of opening the FRTD. Minor’s account to be can opened jointly with his/her guardian only.


• Automatic Renewals - Auto Renewal option would be available for deposit with tenure above 1 year only. The deposits will be renewed automatically for same period as that of the matured deposit, at the FRTD rates prevailing at the time of maturity. Automatic renewals take place where there are no standing instructions for renewal.


• deduction at source - TDS as per extant guidelines.


• Premature Withdrawal – Minimum Lock-in period: one year; No premature withdrawal up to one year.
  After one year, the rate applicable, in the event of premature withdrawal, would be the average benchmark rate of the immediate preceding quarter with the mark up of applicable preceding tenor e.g. If the depositor books deposit for 2 years and requests for a pre closure after 1year and 110 days the applicable rate would be the average benchmark of the preceding quarter of the last quarter the deposit had remained with the Bank (as applicable for the relevant quarter) plus the mark up of 1 year.

The calculation of interest shall be as per extant guidelines for term deposit carrying fixed rate.

• Senior Citizen - Senior Citizens will be paid interest at 50 basis point higher that applicable FRTD rate.

IDBI Bank Floating Rate Term Deposit Features

• Who Can Open The A/C - Any Individual Singly Or jointly Minor (himself/herself or through his/her guardian), Karta of HUF


• Min. & Maximum amount - Rs.10,000/- only and thereafter in multiple of Rs.1,000/-. Maximum amount: Less than Rs.1 crore


• Joint accounts - Two persons can open joint accounts as: Either or survivor* Former or survivor, Later or survivor Both or survivor** Both jointly Where there are more than two applicants, it should be All of them or survivors or last survivor, Any one or more of them or survivors or the last survivor. A particular person during his/her life time or survivors jointly or the last survivor
  *Either or survivor - It means either of the depositors can operate the account, and after the death of one of the depositor survivor can operate the account.
  **Survivor - The person who remains alive after the death of other account holder.


• Period of Deposit - Deposits would be accepted for a period of 1 year 2 years 3 years 5 years 7 years 10 years >10 – 20 years***
  ***Retail Deposits under Floating Rate Term Deposit (FRTD) Scheme for maturity bucket above 10 years to 20 years (non-cumulative) may also be accepted.


• Interest Rate (anchor) - Anchored to average yield at 364-Days Treasury Bills Auctions during the immediately preceding three months undertaken by RBI. This would be reset every calendar quarter.
  For example, average yield of 364 Day T-Bills during auctions held between April 1-June 30, 2012 stood at 8.19. Interest on FRTD, mobilized from July 1 to Sep 30, 2012, would be set based on tenor as under:

  Tenor	Mark up over the Anchor rate	Effective Rate for July 1,2013 -Sep 30,2013 period
  1 year	1.00	8.46
  2 years	1.10	8.56
  3 years	1.25	8.71
  5 years	1.25	8.71
  7 years	1.35	8.81
  10 years	1.40	8.86
  >10 – 20 years	1.40	8.86



• Confirmation of Deposit (COD) - The interest rate is floating and is not pre decided as in the case of normal fixed deposit, the COD would not contain any maturity value.

All other terms would be in line with the regular Term Deposit Product.
Disclaimer - The mark-up would be revised at the Bank's discretion. The revised mark-up would be applicable only for fresh and renewal of existing deposits.
How to Apply Applying for a Floating Rate Term Deposit is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
6. IDBI Bank Lockers The Safe Deposit Locker facility offers invaluable safety for customer valuables. We also have on offer a variety of sizes to fit customers requirements. The deposit lockers can be operated at customer convenience during IDBI banking hours.
We provide the maximum safety to customer valuables that are placed in our Safe Deposit Lockers.
How to Rent a Locker?

• Open a savings bank account with Rs.5,000 / Rs.2,500 (as per tier classification of the branch)
• Administrative charges and Franking / Stamp Paper charges, as applicable are one-time non-refundable charges that are to be paid during issuance only
• Pay only one year's rent in advance upfront. No additional fixed deposit required

IDBI Bank Lockers Features and Benefits

• It is a safer option compared to storing the items at home
• It is similar to an insurance policy that protects customer treasures
• It provides Long-term Protection
• The Lockers available in various sizes: small, medium and large
• Lockers rented out for a minimum period of one year
• Nomination facility available
• Lockers can be hired by individuals, limited companies, associations, clubs and trusts

How to Apply Applying for IDBI Bank Lockers is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. Our representative will contact customer at the earliest.

1. IDBI Bank Home Loan Owning a home is one of life’s biggest aspirations, at IDBI our home loan solutions are designed to offer Customer convenience and make the journey to customer dream home a pleasant one. IDBI home loan solutions cater to Customer home loan requirements in a customized manner and are based on the following traits.

• Our expertise & in-depth knowledge of the Industry.
• Quality of Service
• Transparency
• Quick Processing
• Power Packed customized Features to suit Customer Home Loan requirements.

IDBI Bank Home Loan Solutions: Advantages

1. Assistance in property search and due-diligence of property for acquisition.


2. In-principle loan approval even before property is selected.


3. Extensive Range of Home Loan Products viz .Home Loan, Home Loan Interest Saver, Home Loan - Top up, Home Loan - takeover facility, Home Improvement Loan, Home Extension Loan, Home Loan - Booking Finance, Loan on second Charge/Pari-passu charge and Home Loan-Refinance Facility.


4. Customized Home Loan Features for Salaried (Including NRI), Self Employed Professional and Self Employed Non Professional (Business Category).


5. Already approved projects for convenience of Home Loan buyers


6. Flexible Loan Repayment Option viz. Flexible Loan Installment Plan, Step up & Step down repayment facility, Tranche Based EMI.


7. Broad presence across India with 1800+ Branches and 76 dedicated Loan Processing Centers.


8. Loan from anywhere to purchase Home anywhere in India.


9. Most experienced personnel for smooth and easy loan processing.


10. Online application facility.

2. IDBI Bank Auto Loan Getting to drive your dream vehicle can make life seem so much better. IDBI Bank offers Express Auto Loans for customers dream vehicle. IDBI Auto loans are easy and quick to avail and IDBI make sure the customer take on the roads faster with their quick processing of the loan. So, what are customer waiting for? Just rush to book customer dream car or bike (High end bikes costing minimum Rs. 1.20 lacs onwards) , while we take care of customer loan requirement.
The IDBI Bank Auto Loan Advantage
Maximum Funding: IDBI Bank will help customer to get a higher sanction for funding your dream Vehicle
Wide coverage on Vehicles: IDBI Auto loan covers wide range of car's, suv's and high end bikes
EMI on reducing balance: Repayment with easy EMIs and avail the loan for upto 7 years
Attractive Interest rates: To ensure a smooth ride IDBI Auto loans offer attractive rate of interest
Tie-ups with Dealers and Manufacturers: IDBI have the tie-ups with dealers and Manufactures of vehicles and IDBI make sure customer will get the best deal.
Features
Eligibility Criteria: IDBI Bank offers Auto loans for both Salaried and self- employed professionals at attractive interest rates.
Hassle-free documentation: IDBI representative will guide customer through the easy Auto loan application and can make life seems much better
List of documents required for Auto loan

Fee & Charges: Festival Offer w.e.f October 09,2013

Repayment: Repayment is done through Equated Monthly Installments (EMIs) comprising both principal and interest.

How to Apply Applying for an Auto Loans is absolutely simple. Just call Phone Banking numbers or visit Customer Nearest Branch. IDBI representative will contact customer at the earliest.
3. IDBI Bank Education Loan Education loans from IDBI Bank aims at providing financial support to deserving / meritorious students for pursuing higher education in India and abroad. With an array of services to choose from and easy repayment options, IDBI Bank makes sure customer to get complete financial backing.
For interest rates Click Here
IDBI Bank`s Education Loan scheme comprises of the following variants:
a. Education Loan scheme for Non Vocational Courses (including General offer, Education loan for students studying in Premier Education Institutes, Education Loan for courses offered by ICAI, ICWAI & ICSI) Click Here for details
b. Education Loan scheme for the other students secured admission through Management Quota Click Here for details
c. Education Loan scheme for Specialised Courses Click Here for details
d. Skill Loan Scheme Click Here for details
e. Udaan – a unique Saving-cum- Education Loan Scheme Click Here for details
To know General terms & conditions Click Here
Central Interest Subsidy Scheme on Education Loan a) Scheme Details b) List of Income Certificate Authority
To know Guidelines for Education Loan to Physically Challenged Persons under NHFDC Click Here
4. IDBI Bank Personal Loans: To meet unexpected financial exigencies or come out of high priced Credit Cards funds, Customer can avail IDBI Bank’s Personal Loan. Be it a marriage in family, renovation of house, meeting urgent educational / hospitalization expenses or travel abroad At times, personal Loan comes handy while arranging for Earnest Money to apply for a Plot / House, or to manage Margin Money funding to avail of a Home Loan / Loan Against Property.
Personal Loan from IDBI Bank is targeted to the Salaried Individuals , Self Employed Professionals (SEPs) & Pensioners
Following are the variants of Personal Loan:

• Personal loan to Salaried Individuals, Self Employed Professionals (SEPs) & Pensioners
• Salary Account with In-built Overdraft facility
• Pension Account with in-built Overdraft facility to Pensioners of IDBI Bank Ltd

The IDBI Bank Personal Loan Features
Personal loan to Salaried Individuals, Pensioners & Self Employed Professionals (SEPs):

Other Personal Loan products are as follows:

Rate of interest: Click here for latest rate of interest.
How to Apply
For applying online, please Click Here.
Applying for “IDBI Bank Personal Loan” is absolutely simple. Just call our Phone Banking numbers or visit IDBI nearest Retail Asset Centre/Branch. Our representative will contact customer at the earliest.
5. IDBI Bank Mortgage Loan (Loan Against Property) IDBI Bank brings to customers Loan Against Property facility to enable customer to unlock the power of their property. customer can mortgage their residential or commercial property to get a loan & meet all their financial requirements.
Features:
Loan Purpose:-

• Business Expansion
• Education/Marriage expenses
• Purchase of house
• Improvement/Extension of existing Property
• Medical Treatment
• Any other personal Need.

Loan Amount: Up to Rs.10 Cr. Loan above Rs.10 Cr can be provided depending upon the merit of the proposal.
Bullet Loan Tenure: Up to 15 Years.
Bullet Processing Fees: Please refer to Schedule Of Charges of Retail Assets.
Bullet Maximum Funding*: If the applicant is not existing Home Loan /Loan Against Property customer
If the applicant is an existing Home Loan /Loan Against Property customer

Documentation: The Following documents are required along with The Application Form to process your Loan Application.

Security Primary: First Charge on the mortgaged property by way of equitable mortgage against which IDBI Bank has advanced the loan.
Collateral: Liquid Collaterals as required by The Bank selectively in the form of Pledge/Hypothecation and Assignment depending upon individual cases.
Other Charges: Following are the schedule of charges and Terms & Conditions applicable on Home Loans and Loans against property.
Click Here - To download the schedule of charges.
How to apply: You can help us by choosing any of the following ways to provide you our Loan Solution:-
IDBI Bank Branch Locator:
Click Here - To know the Branch nearest to your location. Contact our Branch Personnel.
Click Here - To Call IDBI Loan Against Property Sales Officer in your City.
Click Here - To Apply online
Click Here - For Help us to Contact You.

Click Here - For complete detailes of Pradhanmantri Social Security Scheme

1. Credit Card
IDBI Bank Credit Card:
IDBI Bank Credit Cards offer benefits that match customer preferences, suit their lifestyle and are accepted globally. The cards offer best-in-class privileges specially crafted to meet customer stature. The Credit Cards issued are EMV Chip and PIN enabled for enhanced security so that customer can use it freely without any concerns.
And there’s more, you earn delight points on all customer spends using IDBI Bank Credit Card. These points can also be redeemed as cashback into customer credit card account.
Click Here - For different type of Credit cards
2. Debit Card
IDBI Bank Debit Card:
The IDBI Bank Debit Card allows customer to access the bank account around the clock and across the globe. IDBI Bank Debit Card is more than just an ATM card. Customer can now shop, dine out, buy fuel, book travel or movie tickets, pay their bills and a lot more.That's not all; customer can also enjoy exciting offers from time to time and earn rewards on using customer card.
Click Here - For different type of Debit cards
3. Prepaid Cards
IDBI Bank Prepaid Cards:
The IDBI Bank Prepaid Card offers convenient and a secured alternative over cash for all customer spends. With our prepaid card offering, customer have a choice to select to suit customer needs - as a gift, for salary disbursements or reimbursements and foreign travel.
Click Here - For different type of Prepaid Cards
4. Card Offers Click on the link below to know more about Card Offers:
Click Here - For Debit Card Offers
Click Here - For Credit Card Offers
Click Here - For Prepaid Card Offers
5. Other Information
Click on the link below to know more about Card related information:
Click Here - For Cash at POS Facility.
6. Debit Card Green PIN Generation IDBI Bank GREEN PIN is a paperless PIN generation solution that enables IDBI Bank Debit Cardholders to securely generate their Debit card PIN in electronic form through multiple delivery channels. Green PIN as the name suggests, helps save paper thus contributing to earth’s environment as well as contributes to reduce the carbon foot print. Green PIN initiative offers a hassle free mechanism to generate Debit-cum-ATM PIN for existing as well as new Debit card customers. Customers can set their PIN for new debit cards instantly after receiving the debit card or make use of this functionality in case they forget their existing Debit-cum-ATM Card PIN. Customers can easily use this service without visiting the branch/ contact the customer care and wait for the PIN mailer.
Some of the features of Green Pin are as under:

• Instant PIN generation.
• Can be used by both existing as well as new customers.
• Customers can reset their ATM PIN instantly using Green PIN solution.
• Secure, convenient, anywhere and anytime.
• 24x7 availability.
• Available on Multiple channels-ATM, IVR and Internet Banking.
• Facility can be utilized without visiting the branch.

Generating your Debit-cum-ATM PIN through IDBI Bank ATM
Green PIN generation through IDBI Bank ATM is a two-step process. In the first step, customer needs to generate an OTP using IDBI Bank ATM and in the second step customer needs to validate the OTP and set a PIN of his choice.

Generating your Debit-cum-ATM PIN through IVR
Stepwise process for PIN generation is given below:

Generating your Debit-cum-ATM PIN through Internet Banking
Stepwise process for PIN generation is given below:

Generating your Debit-cum-ATM PIN through SMS Green PIN generation through SMS is a two-step process. In the first step, customer needs to generate an OTP by sending SMS to 9820346920/9821043718 and in the second step customer needs to validate the OTP at IDBI Bank ATM and set a PIN of his choice.

Generating your Debit-cum-ATM PIN through Missed Call Green PIN generation through Missed Call is a two-step process. In the first step, customer needs to generate an OTP by calling on Toll-free no. 18008431144 and in the second step customer needs to validate the OTP at IDBI Bank ATM and set a PIN of his choice.

PayApt "PayApt" enables you to make "one click payment" directly from your smart phone. It comes with a host of features which allow customer to go cashless for their day to day transactions.
Some of the features of PayApt are highlighted below:
Mobile Recharge / Bill Payment Pay your mobile bills and recharge your mobile/ DTH/Data card instantly in one click.
Person to Merchant (P2M) Payments Make payments to PayApt merchants using latest QR Code technology.
Shop Online Use PayApt to buy groceries, book bus tickets, gifting and much more.
Pay with mVISA Experience Scan & pay transactions at merchants accepting ‘mVISA’ payments
Virtual Card Shop at any ecommerce merchant locations in India without exposing customer primary card details.
One-Click payment Experience one-click payment. No need to enter card details again and again.
Send Money Send money using Mobile number/email ID/QR Code of the beneficiary.
Link Card & Pay directly Link your IDBI Bank VISA/Master cards (Debit/Credit/Prepaid) and make payment directly without loading funds into your wallet.
View Transaction log View transaction log for the transactions carried out through Mobile Wallet
Contact Us For any queries relating to PayApt Mobile Wallet customers can call us at : Non-Toll free number: 080 - 46648112 (Call Charges Applicable) Or Email us at support@payapt.in

1. Debit Card
The IDBI Bank Debit Card allows customer to access the bank account around the clock and across the globe. IDBI Bank Debit Card is more than just an ATM card. Customer can now shop, dine out, buy fuel, book travel or movie tickets, pay your bills and a lot more.That's not all; customer can also enjoy exciting offers from time to time and earn rewards on using their card.
Click Here - For different types of Debit Cards
2. Phone Banking
24 X 7 Care | Phone Banking Service
At IDBI Bank, we endeavor to raise the bar to meet the rising requirements of our customers, by providing quality services to suit varied banking needs. This is yet another, technology and customer centric step in that direction. Phone Banking is a telephone banking service that gives information about customer accounts on a 24 *7 basis from anywhere, at any time. It facilitates resolution of customer queries, complaints and selected service requests without visiting branch Channel. It also provides customer with information about other products and services of the Bank.
These services may be availed through the IVR (Interactive Voice Response) or by speaking to IDBI Phone banking Executives. IVR is a self-service option for customers to access their Banking/loan/demat account details, using their Customer ID and Telephone Personal Identification Number (T-PIN)
Benefits
✶24 hours online phone banking services – accessible from anywhere, anytime.
✶You can avail various services through our Call centre viz. account balance, account transaction details, request for customer cheque book, statement, stop payment of single cheque ( with FIN access), funds transfer (with FIN access), resolve your queries and grievances.
✶This service is absolutely Free.
How to Avail Phone Banking Services
To avail these services customers can call Phone Banking and generate their 4-digit Telephone Personal Identification Number (TPIN)#. The TPIN needs to be changed during first time usage. TPIN generated through Call Centre will have enquiry access only. For availing transaction services such as Funds transfer, Bill payment, Stop Payment , FD, DD Request, through Phone Banking, customer needs to fill and submit Financial access form at the branch. By filling up the form customer will get access to both enquiry and transaction services through Phone Banking. Financial access form is available under forms section.
3. Mobile Banking
Welcome to world-class banking at IDBI Bank.
Business is on the move and so are the people who conduct it. For customer to enjoy banking convenience while on the move, IDBI Bank is here with its Mobile Banking facility. This service allows customer to access their Bank account/s and carry out various Banking transactions on the go.
Now, no need of a visit to the bank time and again. Your Bank has got a new address, Your Mobile! Simply type m.idbibank.com and access a range of banking services from the convenience of customer mobile phone
Browser Banking - m.idbibank.com
Browser Banking service allows access to customer IDBI Bank account/s through the convenience of their mobile phone. Simply type m.idbibank.com using the in-built browser of your mobile phone, and access various banking services like Account Balance, Funds Transfer, Bill payments, Mobile & DTH Recharge, Cheque Book Request, etc. anytime, anywhere.
Features Following Banking services are available in the browser version:

1. Accounts & Demat Inquiries 2. Bill Payment Services 3. IMPS (Immediate Payment Service) 4. Fund Transfer to accounts within the Bank 5. Fund Transfer to other Bank a/c holders through NEFT 6. Account Dashboard (Summary view of all accounts) 7. Mobile and DTH Recharge 8. Visa Card Payments 9. Cheque Book Request 10. Stop Cheque Payment

4. Internet Banking
24 hours Banking - IDBI Bank Internet Banking
With the rapid digitalization that is happening around and with Internet becoming an essential part of our routine lives, Banking on Internet Platform assumes a special significance. IDBI Bank provides its customers, 24 hours online banking services - anytime, anywhere with its Internet Banking.
Now, your bank has a new address. Perform all customers banking transactions like Account Information, Demat Account Information, Online instructions, Requests, Bill payments and other merchant payments, from the comfort of your home or office.
Agreeably, such a service requires security of the highest nature and complete privacy protection. Thus, we provide a completely secure environment, using 128-bit encryption SSL (Secure Sockets Layer), digitally certified by VeriSign. 128-bit SSL ensures world-class security for Internet and e-commerce transactions.
IDBI Bank Internet banking Features-
Account Information-

• Account balance
• Account related enquiries and status
• Transaction tracking and history
• Loan Installments and funds flow details
• Statements
• Cheque status

Demat Account Information-

• Demat Account Details displays the name, correspondence address, account numbers and bank account numbers associated with the account.
• Holding Statements displays the list of demat scrip with ISIN code, scrip name, and balance.
• Statement of Transaction lists the transactions for a period, with details of security and balances.
• Billing statement details the charges for respective transactions.

Online Instructions and Requests-

• Cheque book
• Stop payment
• Fixed and Recurring deposit opening / renewal
• Mobile / DTH recharge
• IPO application through ASBA

Online Payment Services-
Internet Banking offers online payment facility linked with merchant websites/e-shops through its direct debit payment gateway service. The Bank offers this facility to online merchants/service providers requiring online payment services such as e-commerce merchants, Online Share Trading portals, an AMC selling Online Mutual Funds etc.
Bill Payment and Presentment-
EBPP - Electronic Bill Presentment and Payment feature allows IDBI Bank customers to pay for their utility bills online through the Bank's Internet Banking service or also by visiting the website of the service provider.
How to Apply Applying for IDBI Bank Internet Banking is absolutely simple. Just ask for the Channel Registration Form available at all IDBI branches or Click Here to download the form and submit the duly filled form at Customer nearest IDBI Bank branch. As soon as the application is processed customer have the convenience to set their Inet banking password online.
5. Account Alerts
IDBI Bank's Account alert service allows customer to monitor their Bank account/s on the go. IDBI understand the value of customer time and hence, we deliver the information related to the important activities happening on your bank account to your E-mail ID or mobile phone.
Now, customer need not visit the branch or ATM to enquire about the routine transactions in customer account. Instead, just register customer email id and/or mobile number with us, and we will send you account alerts through E-mails and/or SMS.
The account alerts facilities that you can enjoy are Channel/Non-Channel alerts for debit and credit transactions, returned cheque alerts, stop payment confirmation alerts. This service comes absolutely free of charge for IDBI Bank Personal Banking Customers.
How to Apply Just ask for the Account Alerts application form available at all our branches or download channel registration form from the website.
Click Here - For channel registration form
6. PayMate
Online Payment Service- IDBI Bank PayMate Service:
Welcome to world-class banking at IDBI Bank.
With the increasing popularity of cashless shopping and advent usage of mobile phones, IDBI Bank provides a revolutionary Mobile Phone based payment service in association with PayMate. The aim of the service is to make your shopping experience more convenient and joyful. You can now shop with any of Paymate’s associated merchants and pay simply through your Mobile Phone. With Paymate, your mobile phone can now be used as a payment medium, similar to a credit or a debit card.
How to Apply Customers can enroll for this revolutionary service by submitting a Registration form at our nearest branch. For more information, please visit any of our branches or call our 24-hour toll free phone banking numbers.
Click Here - For Registration form
7. Abhay’- Card Control App
IDBI Bank 'Abhay' is a revolutionary mobile app which empowers IDBI Bank customers' to gain personal control over their debit cards and safeguard them against any probable fraudulent activities on their debit card. You can now set preferred controls to match the desired usage of your debit cards instantly using your Smartphone.
Abhay Card Control App gives you the following controls:
Lock/Unlock your Debit card
No more worries regarding your card getting misused without your knowledge. You can keep your Debit card turned OFF and turn it ON only when you want to use it. All this is possible instantly with a single touch.
Set Card Limits You have the flexibility to set your own daily transaction limits for ATM and POS usage. For example, if your daily ATM withdrawal and POS usage limits are 25,000 each, then you can set your transaction limits as per your requirement within the prescribed limit.
Customizing Transactions Depending on your requirement, you can also enable/disable your card for specific type of transactions- ATM or POS. For Example, if you do not wish to use your card for purchases, you can disable POS transactions by setting the POS limit to zero.
Keep track No need to visit the branch/ATM to get the details of your recent transactions. You can view the last 5 transactions of your account instantly.
Available on Google Play Store. Coming soon on IOS.
8. Toll Free Banking
Toll Free Banking is a service offered by the bank to help you obtain your Account Balance or Mini Statement by simply giving a missed call to a toll-free number. This service is currently offered free of charge by the bank.
Following services are currently offered by giving a Missed Call from your registered mobile number, updated in Bank's record:
1. Balance Enquiry: 18008431122 You can get the last 'Available' balance of your account (by an SMS) by giving a Missed Call to 18008431122.
2. Mini Statement: 18008431133 You can get the Mini Statement (by an SMS) for last 5 transactions in your account by giving a Missed Call to 18008431133.
Features

1. Bank has pre-activated this facility for all account holders who maintain a single operative account.
2. If you have registered the same mobile number in multiple customer accounts, you need to follow a simple and instant registration process as detailed herein.
Send SMS as REG Account Number to 5676777 or 9820346920 / 9821043718 *Eg. REG 103104xxx134378 to 5676777 or 9820346920 / 9821043718
A confirmation SMS message will be sent indicating status of registration. If successful, you can immediately start using the service. If un-successful, check the SMS format and destination mobile number (it should be either 5676777 or 9820346920 / 9821043718). Kindly also ensure that your latest mobile number is updated in bank records.
3. If you wish to De-Register from the facility You can De-Register from the Toll Free Banking facility by sending SMS in following format DELAccount Number to 5676777 or 9820346920 / 9821043718
Eg. DEL 103104xxx134378 to 5676777 or 9820346920 / 9821043718 You will receive a confirmation message indicating successful de-registration from the service. In order to avail the service again, please initiate a fresh registration.
4. If you want to change a Registered Account number for using this facility simply register the new account number for the Toll Free Banking facility by sending an SMS in following format
REGAccount Number to 5676777 or 9820346920 / 9821043718 *E.g. REG 1036511xxxxx815 to 5676777 or 9820346920 / 9821043718
5. You can avail this facility for a maximum of 4 times a day. The number of Missed Call limits is cumulatively calculated for both 18008431133 and 18008431122 together.
6. The Bank is currently providing this service free of cost. For registration / de-registration process your telecom service provider may levy charges as per your SMS billing plans.

9. mPassbook
IDBI Bank's mPassbook (Android version) is an application to access physical passbook in an electronic form at the convenience of your mobile phone. You can view the transactions of all your accounts, both in online as well as offline mode (Mobile not connected to internet). In addition, there are several other unique features provided within the application which enhances the overall experience.
The initial as well as subsequent download will render previous/last 90 days transactions.
Currently the application is on Android platform and is available on Google Play Store. You may also use the following link to download the application directly:-
Eligibility Criteria
IDBI Bank’s “mPassbook” service is available for Individual, Proprietor and HUF maintaining Savings, Current, Loan, Term Deposit, Overdraft or Cash Credit Account with the bank.
Features

• View stored account transactions both in online and offline mode.
• Personalization of transactions by adding keywords/personalized narration to them.
• Search transactions using keywords.
• Tagging expenses mpassbook-icon by categories.
• Expense monitoring by generating pie-chart for tagged expenses.
• Save transaction history as a PDF file.
• Supports Bi-lingual language (Hindi/ English).

Click Here - For mPassbook FAQ's
10. PayWiz - UPI
"PayWiz" is the Unified Payments Interface (UPI) Mobile Application of IDBI Bank that can be downloaded and used by a customer of any UPI participating bank. It comes with a host of features which allows you to go cashless for your day to day transactions.
Some of the unique features of "PayWiz" are highlighted below:
Multiple Bank Accounts Linkage and Access Link and access all your eligible bank accounts maintained with IDBI Bank or any other bank participating in UPI and make payments or collect monies directly from/ into these Bank accounts.
Send Money Send money using VPA / Account number & IFSC / QR Code of the beneficiary.
Collect Money Send Request / Reminders for collection of Money to your contacts.
Merchant Payment Make payments to "PayWiz" merchants using latest QR Code based technology.
Safe and Secure Payment Experience worry free real time, one-click payment. "PayWiz" is a NPCI certified UPI Application and adheres to safety and security guidelines issued by NPCI from time to time.
View Transaction status View transaction statusof all the transactions carried out through the APP and raise a dispute for suspect transactions.
Anytime Access Get Access to your accounts and make payments on 24x7 including on all public and bank holidays.

JusTab

IDBI Bank introduces JusTab – A Tab based Account Opening Process.
Now you can start banking relationship with us from the comfort of your Home or Office. Allow us to do the paperwork, that too digitally. And you will receive your account number in hours*.
For details, feel free to contact us on 1800-200-1947 / 1800-22-1070
#Available at select locations. *Terms & Conditions apply

Traditionally companies have been creating security in favour of the lenders either individually or in favour of one of the lenders holding charge on behalf of other lenders. However, lately companies have started appointing independent agencies as Security Trustee who not only hold the title deeds on behalf of the lenders, but even security is created in favour of the Security Trustee for the benefit of various lenders. This provides operational convenience to both the company and multiple lenders.
Click Here - For detailed information of Trusteeship through IT SL

Sukanya Samriddhi Account Launched on 22 January 2015; 3 years ago Sukanya Samriddhi Account (literally Girl Child Prosperity Account) is a Government of India backed saving scheme targeted at the parents of girl children. The scheme encourages parents to build a fund for the future education and marriage expenses for their female child.
The scheme was launched by Prime Minister Narendra modi on 22 January 2015 as a part of the Beti Bachao, Beti Padhao campaign. The scheme currently provides an interest rate of 8.1% (for October 2017 to December 2017 ) and tax benefits. The account can be opened at any India Post office or branch of authorised commercial banks.
Click Here - For Sukanya Samriddhi Account