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Your business needs your attention and a strong and sturdy support of the bank for its transformation from medium to a large industry. You need to be busy with your business while your business transactions are managed by us, using IndusInd’s network of 210 branches spread across 155 locations.

Adding value to your business, we bring forth the best product in the industry in the SME segment.

You need to transfer and collect funds faster across cities to facilitate your business and manage working capital cycle. The solution from IndusInd is a unique product Indus Gold Current Account especially crafted for traders, retailers, small and mid-sized manufacturers, hotels, travel agencies, exporters, importers and logistics firms.

Features & Benefits

  • 100 Free PAP cheque leaves per month
  • Free demand draft and pay orders up to Rs. 50 lakh per month on IndusInd locations and up to Rs. 10 lakh free per month at our correspondent bank location
  • Access your account from anywhere using our Net Banking, Phone Banking and Mobile Banking facilities
  • Free Cash Withdrawal upto Rs. 50,000/ per day from any ATM using our Gold Debit Card
  • On an Indus Gold account you are required to maintain only Rs. 50,000/- of average monthly balance
  • No limit on local collections done from IndusInd locations


DD/PO (Correspondent Bank Location)

Schedule of Charges for Current Accounts w.e.f 01st November 2012

Average Monthly Balance Requirement
(Category A and A+ Branches)
Rs. 50,000
Average Monthly Balance Requirement
(Category B,C,IMFS and Rural Branches)
Rs. 25,000
Charges for Non-Maintainance of AMB Rs. 750 per month if AMB is >= 50% but
<100% & Rs. 1000 per month if AMB is
Cheque Book Issuances
(Payable At Par: 50 leaves Book)
2 cheque books
Free per month
Charges of Cheque Book on additional usage Rs. 2 per leaf
Local Cheque Deposit Free
Cheques deposited at any location of Indusind Bank for clearing in the same location
(combined limit with Payments Using PAP)
Outstation Cheque Deposit on Indusind Location (inclusive of all charges and service tax)
Instrument Value Charges (Inclusive of all Charges)
Cheques collection Up to and including 5,000 Rs. 25/-
Above 5,000 and up to and including 10,000 Rs. 50/-
Above 10,000 and up to and including 1,00,000 Rs. 100/-
Above 1,00,000 Rs. 200/-
Outstation Cheque Deposit on Non-Indusind Location (inclusive of all charges and service tax)
Funds Transfer (Between any Indusind Bank Branches) (Online/through Branch) Free
For specialised option on Indus Collect (CMS Collections Services) please seek help from your Relationship Officer
Funds Transfer (Between any Indusind Bank Branches) (Online/through Branch) Free
Payments at Any Location of IndusInd Bank for clearing in same location through PAP cheque (combined limit with collection) Free
DD/PO (At Branch Locations)
Free Limit Rs. 50 lakh per month (Per day limit of Rs. 2,00,000)
Charges on Additional usage Rs. 1/1,000 Min Rs. 25 Max Rs. 10,000
DD/PO (Correspondent Bank Location)
Free Limit Rs. 10 lakh per month
Charges on Additional usage Rs. 2/1,000 Min Rs. 100 Max Rs. 15,000
DD/PO (Non-Correspondent Bank) Rs. 3/1,000, Min Rs. 100 Max Rs. 15,000
For specialised option on Indus Direct (Payment Services) please seek help from your Relationship Officer
Cash Deposit at Home Location
Free Limit per month Rs. 6,00,000
Additional Charges on incremental deposits Rs. 3/1,000
Free Cash Deposit at Non-Home Location per month Rs. 1,00,000
Additional Charges on incremental deposits Rs. 4/1,000
Cash Withdrawal
Cash Withdrawal (Home Location) Free
Cash Withdrawal (Non-Home Location) Free
Cash Withdrawal (ATM's) IndusInd Network Free
Cash Withdrawal Other ATMs Free unlimited for balance above Rs. 10,000 in previous month. If balance in previous month is less than Rs. 10,000/- then 5 transactions Free. Beyond 5 Transactions, Charge of Rs. 20 per Transaction
Cash Withdrawal Outside India Rs. 125/-
Cash Withdrawal Limit by ATM Card Regular card Rs. 25000. Gold Card Rs. 50000. (Per Day Basis)
Cash Withdrawal Limit by Platinum Business Debit Card Rs. 1,00,000
Net Banking Available
Phone Banking Available
Mobile Alerts Available
Doorstep Banking* Available
Stop Payment (Single Cheque) Rs. 100
Stop Payment (Series Cheque) Rs. 150
Cheque Return (Inward) For Financial Reasons Upto 2 instruments per month- Rs.350 per
On 3rd & 4th instrument - Rs.500 per
5th Instrument onwards- Rs.750 per
Cheque Return (Outward) IndusInd Location Rs. 50 per cheque
Cheque Return (Outward) Other Locations Rs. 100 per cheque + Out of pocket Expenses
Internal Transfer Return Charges NIL
ECS Returns Rs. 200
Classic Debit Card(Issuance, Annual Charges, Replacement & Supplementary Card) Rs. 100 p.a.
Gold Debit Card (Issuance, Annual Charges, Replacement & Supplementary Card) Rs. 250 p.a.
Platinum Business Debit Card (Issuance, Annual Charges, Replacement & Supplementary Card) Rs. 250 p.a.
Balance Inquiry at Other ATMs within India Free
Balance Inquiry Outside India Rs. 20/- per transaction
POS Limit on Debit Card Classic card Rs. 50,000. Gold Card Rs. 1,00,000. (Per Day Basis)
POS Limit on Platinum Business Debit Card (per day basis) Rs. 1,25,000
Email Statement (Daily) Free
Adhoc Statement printed Rs. 10 per page
Dormancy Charges Rs. 100
Dormant Account Activation Free
Before Six Months Rs. 200
After Six Months NIL
Cash Delivery / Pickup (Per call)
Till 2 lakh Rs. 150
2 - 5 lakh Rs. 250
5 - 10 lakh Rs. 400
10 - 20 lakh Rs. 800
20 - 50 lakh Rs. 1,100
> 50 lakh Contact branch
Cash Delivery / Pickup (Beat delivery) per month
Till 1 lakh Rs. 2,000
1 - 2 lakh Rs. 3,000
2 - 5 lakh Rs. 5,500
5 - 10 lakh Rs. 9,000
10 - 20 lakh Rs. 16,000
20 - 50 lakh Rs. 25,000
> 50 lakh Contact branch
Cheque Pickup (On call)* Rs. 50 per instance
Cheque Pickup (Beat) per month* Rs. 500
PAP- Payable At Par
Taxes as applicable on charges
* Services Available on Request at Select Locations
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