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Indus Gold current account overview

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.

Click here to know more about our USPs.

Features & Benefits

Indus Gold Current Account 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


Schedule of Charges for Indus gold current accounts

Schedule of Charges for Current Accounts w.e.f 1st July 2019

Average Monthly Balance Requirement * Rs. 50,000
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. 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 usage1 Rs. 2 per leaf
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 Free
Outstation Cheque Deposit on Non IndusInd Location
Instrument Value 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
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. 50 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. 10 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
For specialised option on Indus Direct (Payment Services) please seek help from your Relationship Officer
Cash Deposit 
Free Cash Deposit at Home Location per month3 Rs. 6,00,000
Additional Charges on incremental deposits Rs. 3/1000 (Minimum Rs. 50/- per transaction)
Free Cash Deposit at Non-Home Location per month3 Rs. 100000
Additional Charges on incremental deposits Rs. 4/1000 (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 Refer Standard Schedule of Charges for Debit Card
Stop Payment (Single Cheque) Rs. 100, Nil Charges if requested through Net banking/Mobile banking/IVR
Stop Payment (Series Cheque) Rs. 150, Nil Charges if requested through Net banking/Mobile banking/IVR
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
NACH / ECS Return Rs. 200
Gold Business CHIP / Titanium Debit Card Rs. 249/- (Issuance, Replacement, Supplementary Card & Annual Charge)
Platinum Business CHIP Debit Card Rs 699/- (Issuance, Supplementary Card & Annual charges) Rs 249/- for Replacement
Balance Inquiry at Other ATMs within India Free
Balance Inquiry Outside India Rs. 20/- per transaction
POS Limit on Debit Card Limit as per Debit Card Taken, Refer Standard schedule of charges for Debit Card
Email Statement (Daily) Free
Adhoc Statement printed Rs. 10 per page
Cash Delivery / Pickup (Per call)
Till 2 lacs Rs. 150
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)+ Rs. 50 per instance
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
+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
GST as applicable on charges
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  • Daily balance Upto Rs. 1 Lakh 4 %
  • Daily balance above Rs. 1 Lakh & upto (& including) Rs. 10 Lakhs 5 %
  • Daily balance above Rs.10 Lakhs 6 %

  • 1 year 4 months to 5 years 6.75 %
  • Indus Tax Saver Scheme - 5 years (up to Rs 1.5 lac) 6.75 %

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