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Indus Silver current account overview

The perfect suite for your day to day business requirement, supported with an easy access to your accounts provided by IndusInd Bank.

With a minimum AMB requirement of Rs. 25,000 on Indus Silver, this account helps you to manage banking transactions at a minimal cost. The offer helps you to collect funds faster at our 155 locations and 210 branches spread across India.

Click here to know more about our USPs.

Features & Benefits

Indus Silver current account features & benefits

  • Free collection of cheques deposited at IndusInd locations up to Rs. 30 lakh per month
  • Free Funds Transfer from Account to Account within IndusInd Bank
  • Free DD/PO on IndusInd locations up to Rs. 25 lakh per month
  • Free Correspondent bank DD up to Rs. 5 lakh per month

Please refer to the Schedule of Charges for further details


Schedule of Charges for Indus Silver Current Accounts

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

Average Monthly Balance Requirement* Rs. 25,000/-
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. 500 per month if AMB is >= 50% but
<100% & Rs. 650 per month if AMB is<50%
Cheque Book Issuances
(Payable At Par: 50 leaves Book)
1 cheque book
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
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 Rs 1,00,000/- Rs. 200/- per instrument
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. 25 lakh per month
Charges on Additional usage Rs. 1/1000 Min Rs. 25 Max Rs.10,000
DD/PO (Correspondent Bank Location)
Free Limit Rs.  5 lacs 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
Free Cash Deposit at Home Location per month3 Rs. 3,00,000
Additional Charges on incremental deposits Rs. 3/1,000 (Minimum Rs. 50/- per transaction)
Free Cash Deposit at Non-Home Location per month3 Rs. 1,00,000
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 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
Debit Card
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
POS Limit on Platinum Business Debit Card (per day basis) NA
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 to 1 year 2 days 7 %
  • Indus Tax Saver Scheme - 5 years (up to Rs 1.5 lac) 6.75 %

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