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Overview

Gold is precious and therefore is expensive. In addition to gold is something which IndusInd Bank can provide. We have sewed the banking requirements of businesses into a special offer for value customers, named Indus Gold Plus.

It is a specialized product for the Retail Wholesalers, Showroom owners and Job Work Industries, Service Industries, Manufacturers , Exporters and Importers.

Features & Benefits

  • Free PAP cheque books
  • Free intercity account to account fund transfer within IndusInd Bank
  • Free DD up to Rs. 150 lakh per month on Indusind location and up to Rs. 20 lakh per month at correspondent bank locations
  • Faster collection option through the Indus Collect CMS facility
  • Easy Gold ATM card option with access to over 21000 ATM’s across India of various banks allows you the freedom to withdraw cash
  • Doorstep banking to help you save time
  • Anywhere Banking Channels like Net Banking; Phone Banking helps you to keep a track when you are not in office

Charges

Schedule of Charges for Current Accounts w.e.f 01st April 2015

AMB & CHEQUE BOOK CHARGES
Average Monthly Balance Requirement
(Category A and A+ Branches)
Rs. 100,000/-
Important Information (Please Note) AMB requirement for accounts opened till 31st March 2015 will continue to be 50% for category B, C, IMFS and Rural Branches.
For Accounts opened after 1st April 2015 50% waiver of AMB will cease for category B, C, IMFS and Rural Branches.
Charges for Non-Maintainance of AMB Rs. 1250 per month if AMB is >= 50% but
<100% & Rs. 1600 per month if AMB is <50%
Cheque Book Issuances
(Payable At Par: 50 leaves Book)
5 cheque books
Free per month
Charges of Cheque Book on additional usage1 Rs. 2 per leaf
COLLECTIONS
Local Cheque Deposit Free
Cheques deposited at any location of Indusind Bank for clearing in the same location Free
Outstation Cheque Deposit on Indusind Location (inclusive of all charges and service tax)2 Free
Outstation Cheque Deposit on Non-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/-
Funds Transfer (Between any Indusind Bank Branches) (Online/through Branch)2 Free
For specialised option on Indus Collect (CMS Collections Services) please seek help from your Relationship Officer
PAYMENTS
Funds Transfer (Between any Indusind Bank Branches) (Online/through Branch)2 Free
Anywhere Payment: Cheques paid at non-home location of Indusind Bank Free
DD/ PO (At Branch Locations)
Free Limit Rs. 150 lacs per month
Charges on Additional usage Rs. 1/1000 Min Rs. 25 Max Rs. 10,000
DD/ PO (Correspondent Bank Location)
Free Limit Rs. 20 lacs per month
Charges on Additional usage Rs. 2/1000 Min Rs. 100 Max Rs. 15000
DD/ PO (Non-Correspondent Bank) Rs. 3/1000, Min Rs. 100 Max Rs. 15000
NEFT (NATIONAL ELECTRONIC FUNDS TRANSFER)5 Free
RTGS (REAL TIME GROSS SETTLEMENT)6 Free
For specialised option on Indus Direct (Payment Services) please seek help from your Relationship Officer
CASH TRANSACTIONS
Cash Deposit
Free Cash Deposit at Home Location per month3 Rs. 12,00,000
Additional Charges on incremental deposits Rs. 3/1,000 (Minimum Rs. 50/- per transaction)
Free Cash Deposit at Non-Home Location per month3 Rs. 300000
Additional Charges on incremental deposits Rs. 4/1,000 (Minimum Rs. 50/- Per transaction)
Cash Withdrawal
Cash Withdrawal (Home Location) Free
Cash Withdrawal (Non-Home Location)4 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/- Per Transaction
Cash Withdrawal Limit by Debit Card Gold Chip/Normal Debit card Rs. 50,000/- and Platinum Chip Debit Card Rs. 1,00,000/-
OTHER FEATURES & CHARGES
Stop Payment (Single Cheque) Rs. 100
Stop Payment (Series Cheque) Rs. 150
Cheque Return (Inward) For Financial Reasons Up to 2 instruments per month- Rs. 350 per
instrument.
On 3rd & 4th instrument - Rs. 500 per
instrument
5th Instrument onwards- Rs. 750 per
instrument
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
DEBIT CARD
Business Gold CHIP Debit Card (Issuance, Annual Charges, Replacement & Supplementary Card) Rs. 199
Platinum Business CHIP Debit Card (Issuance, Annual Charges, Replacement & Supplementary Card) Rs. 299
Balance Inquiry at Other ATMs within India Free
Balance Inquiry Outside India Rs. 20/- per transaction
POS Limit on Debit Card Gold Chip Debit card Rs. 1,00,000/- and Platinum Chip Debit Card Rs. 2,00,000/-
Email Statement (Daily) Free
Adhoc Statement printed Rs. 10 per page
Inoperative account charges (Per Quarter)^ Rs. 100
Dormant Account Activation Free
ACCOUNT CLOSURE CHARGES
Before Six Months Rs. 200
After Six Months NIL
DOORSTEP BANKING+
Cash Delivery / Pickup (Per call)
Till 2 lacs Free once a day
2 - 5 lacs Rs. 250
5 - 10 lacs Rs. 400
10 - 20 lacs Rs. 800
> 20 lacs Contact branch
Cash Delivery / Pickup (Beat delivery) per month
Till 1 lacs Rs. 2,000
1 - 2 lacs Rs. 3,000
2 - 5 lacs Rs. 5,500
5 - 10 lacs Rs. 9,000
10 - 20 lacs Rs. 16,000
> 20 lacs Contact branch
Cheque Pickup (On call)* Free once a day
Cheque Pickup (Beat) per month* Rs. 500
Schedule of Standard Charges
IMPORTANT: If Average Monthly Balance is maintained less than 60% of the product selected, free limits will not be applicable and below mentioned Standard charges will apply.
1 Standard Charges per cheque leaf is Rs. 2/-
2 Standard Charges for funds transfer trasaction is Rs. 15/- per cheque
3 Standard Charges for Cash deposit at Home location: Rs. 3/1000 minimum Rs. 50/-, Non-Home Location:Rs. 4/1000 minimum Rs. 50/-.
4 Standard Charges for cash withdrawal at Non-Home Location is Rs. 2.5/1000 minimum Rs. 50
5 Standard Charges for NEFT: Upto Rs. 1 lac Charges of Rs. 2.5/- per transaction –From Rs. 1 lac to 2 lac Charges of Rs. 15/- per transaction- Rs. 2 lakh and above Rs. 25 per transaction
6 Standard Charges for RTGS: From Rs. 2 lac to 5 lac Charges of Rs. 25/- per transaction – Rs. 5 lakh and above Rs. 50 per transaction
+Available in Select Locations only
PAP- Payable At Par
The additional Standard Charges on Transactions due to AMB non-maintenance will not apply to Exim Current Accounts, however on breach of monhtly free limits of transactions, charges as specified will be applicable
* AMB not applicable for Indus Exim Basic and Indus Exim Advantage, only Quarterly Throughput Applicable
^ No Customer Induced Transaction for 1 Year
Taxes as applicable on charges
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  • SAVINGS RATES

  • Daily balance upto 1 lac 4.5 %
  • Daily balance above 1 lac 6 %
  • DEPOSIT RATES

  • 1 year to 1 year 2 months 9 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1 lac) 8.75 %

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