{"id":10429,"date":"2026-02-11T09:17:12","date_gmt":"2026-02-11T09:17:12","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10429"},"modified":"2026-02-11T09:17:12","modified_gmt":"2026-02-11T09:17:12","slug":"indian-bank-dd-charges-2026-demand-draft-fees-rules-how-to-apply","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/indian-bank-dd-charges-2026-demand-draft-fees-rules-how-to-apply\/","title":{"rendered":"Indian Bank DD Charges 2026: Demand Draft Fees, Rules & How to Apply"},"content":{"rendered":"\n

Need to make a secure payment for admission, government fees, tender, or property booking? A Demand Draft (DD)<\/strong> from Indian Bank is still one of the safest payment methods accepted across India.<\/p>\n\n\n\n

In this guide, we explain Indian Bank DD charges in 2026<\/strong>, commission rates, cancellation fees, validity, and how to apply \u2014 in simple, step-by-step format.<\/p>\n\n\n\n

Quick Summary: Indian Bank DD Charges (2026)<\/h2>\n\n\n\n
Particular<\/th>Details<\/th><\/tr><\/thead>
Minimum DD Amount<\/td>As per bank rules<\/td><\/tr>
Commission Charges<\/td>Based on DD amount<\/td><\/tr>
GST<\/td>Applicable on commission<\/td><\/tr>
Validity<\/td>Typically 3 months<\/td><\/tr>
Mode of Issue<\/td>Branch (NetBanking may vary)<\/td><\/tr>
Cancellation Charges<\/td>Applicable<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Charges may vary by branch and are subject to revision. Check your branch for confirmation.<\/p>\n\n\n\n

What is a Demand Draft (DD)?<\/h1>\n\n\n\n

A Demand Draft (DD)<\/strong> is a prepaid instrument issued by Indian Bank. The bank guarantees payment to the beneficiary.<\/p>\n\n\n\n

It is commonly used for:<\/p>\n\n\n\n

    \n
  • College or exam fees<\/li>\n\n\n\n
  • Government payments<\/li>\n\n\n\n
  • Tender deposits<\/li>\n\n\n\n
  • Property booking<\/li>\n\n\n\n
  • Official applications<\/li>\n<\/ul>\n\n\n\n

    Unlike cheques, DDs do not bounce due to insufficient balance because payment is already secured.<\/p>\n\n\n\n

    Indian Bank DD Charges 2026 (Commission Structure)<\/h1>\n\n\n\n

    Indian Bank charges a commission based on the draft amount.<\/p>\n\n\n\n

    Typical Structure (Illustrative)<\/h3>\n\n\n\n
      \n
    • Up to \u20b95,000<\/strong> \u2013 Minimum fixed charge<\/li>\n\n\n\n
    • \u20b95,001 to \u20b910,000<\/strong> \u2013 Slightly higher commission<\/li>\n\n\n\n
    • Above \u20b910,000<\/strong> \u2013 Percentage-based commission (with minimum limit)<\/li>\n<\/ul>\n\n\n\n

      Additionally:<\/p>\n\n\n\n

        \n
      • GST (18%)<\/strong> is charged on the commission amount<\/li>\n\n\n\n
      • Outstation DD charges may differ<\/li>\n\n\n\n
      • Staff\/senior citizen concessions may apply (if eligible)<\/li>\n<\/ul>\n\n\n\n

        Exact rates may vary by branch. Confirm before issuing large-value DDs.<\/p>\n\n\n\n

        Example Calculation (Illustrative)<\/h1>\n\n\n\n

        Suppose you request a DD of \u20b950,000.<\/p>\n\n\n\n

          \n
        • Commission: As per slab rate<\/li>\n\n\n\n
        • GST: 18% on commission<\/li>\n\n\n\n
        • Total payable = DD amount + commission + GST<\/li>\n<\/ul>\n\n\n\n

          Always ask the branch for total payable before submitting the request.<\/p>\n\n\n\n

          How to Get Demand Draft from Indian Bank (Step-by-Step)<\/h1>\n\n\n\n

          Method 1: Visit Branch<\/h2>\n\n\n\n

          Step 1: Fill DD Application Form<\/h3>\n\n\n\n

          Provide:<\/p>\n\n\n\n

            \n
          • Your name<\/li>\n\n\n\n
          • Beneficiary name<\/li>\n\n\n\n
          • Amount<\/li>\n\n\n\n
          • Payable location<\/li>\n<\/ul>\n\n\n\n

            Step 2: Submit Payment<\/h3>\n\n\n\n

            You can pay via:<\/p>\n\n\n\n

              \n
            • Debit to your Indian Bank account<\/li>\n\n\n\n
            • Cash (may have limits as per RBI rules)<\/li>\n<\/ul>\n\n\n\n

              Step 3: Collect Demand Draft<\/h3>\n\n\n\n

              The draft is usually issued immediately.<\/p>\n\n\n\n

              Method 2: Through NetBanking (If Available)<\/h2>\n\n\n\n

              Some branches may allow DD request through NetBanking.<\/p>\n\n\n\n

              Steps:<\/p>\n\n\n\n

                \n
              1. Login to Indian Bank NetBanking<\/li>\n\n\n\n
              2. Go to Requests \u2192 Demand Draft<\/strong><\/li>\n\n\n\n
              3. Enter beneficiary details<\/li>\n\n\n\n
              4. Confirm and submit<\/li>\n<\/ol>\n\n\n\n

                You may need to collect the physical DD from branch.<\/p>\n\n\n\n

                Availability may vary by location.<\/p>\n\n\n\n

                Indian Bank DD Cancellation Charges<\/h1>\n\n\n\n

                If your DD is unused, you can cancel it.<\/p>\n\n\n\n

                Process:<\/h3>\n\n\n\n
                  \n
                1. Visit branch<\/li>\n\n\n\n
                2. Submit original DD<\/li>\n\n\n\n
                3. Fill cancellation request form<\/li>\n<\/ol>\n\n\n\n

                  Charges:<\/h3>\n\n\n\n
                    \n
                  • Cancellation fee (as per bank rules)<\/li>\n\n\n\n
                  • GST on cancellation charges<\/li>\n<\/ul>\n\n\n\n

                    Refund is credited to your account after verification.<\/p>\n\n\n\n

                    Indian Bank DD Validity<\/h1>\n\n\n\n
                      \n
                    • DD is typically valid for 3 months from date of issue<\/strong><\/li>\n\n\n\n
                    • After expiry, it must be revalidated<\/li>\n\n\n\n
                    • Revalidation may require branch visit<\/li>\n<\/ul>\n\n\n\n

                      Always check expiry date printed on draft.<\/p>\n\n\n\n

                      Common Issues & Solutions<\/h1>\n\n\n\n

                      1. Lost Demand Draft<\/h3>\n\n\n\n
                        \n
                      • Immediately inform branch<\/li>\n\n\n\n
                      • Submit written request<\/li>\n\n\n\n
                      • Indemnity bond may be required<\/li>\n\n\n\n
                      • Reissue charges may apply<\/li>\n<\/ul>\n\n\n\n

                        2. Name Mistake in DD<\/h3>\n\n\n\n
                          \n
                        • Cannot be corrected<\/li>\n\n\n\n
                        • Must cancel and issue new DD<\/li>\n\n\n\n
                        • Cancellation charges applicable<\/li>\n<\/ul>\n\n\n\n

                          3. DD Not Accepted<\/h3>\n\n\n\n
                            \n
                          • Check validity<\/li>\n\n\n\n
                          • Confirm correct payable location<\/li>\n\n\n\n
                          • Ensure no overwriting<\/li>\n<\/ul>\n\n\n\n

                            Security Tips for Using DD<\/h1>\n\n\n\n
                              \n
                            • Verify beneficiary name carefully<\/li>\n\n\n\n
                            • Keep receipt safely<\/li>\n\n\n\n
                            • Avoid sharing DD copy publicly<\/li>\n\n\n\n
                            • Cancel unused drafts promptly<\/li>\n\n\n\n
                            • Check charges before large transactions<\/li>\n<\/ul>\n\n\n\n

                              FAQs: Indian Bank DD Charges<\/h1>\n\n\n
                              \n
                              \n
                              \n

                              1. What are Indian Bank DD charges in 2026?<\/h3>\n
                              \n\n

                              A. Charges depend on the DD amount and are subject to revision. GST is also applicable.<\/p>\n\n<\/div>\n<\/div>\n

                              \n

                              2. Is GST applicable on DD charges?<\/h3>\n
                              \n\n

                              A. Yes, 18% GST is charged on commission and service charges.<\/p>\n\n<\/div>\n<\/div>\n

                              \n

                              3. Can I get DD from Indian Bank without account?<\/h3>\n
                              \n\n

                              A. Yes, you can request via cash (subject to limits and KYC requirements).<\/p>\n\n<\/div>\n<\/div>\n

                              \n

                              4. How long is Indian Bank DD valid?<\/h3>\n
                              \n\n

                              A. Typically 3 months from date of issue.<\/p>\n\n<\/div>\n<\/div>\n

                              \n

                              5. Can I cancel Indian Bank DD?<\/h3>\n
                              \n\n

                              A. Yes, by visiting the branch with original draft. Cancellation charges may apply.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                              Conclusion<\/h1>\n\n\n\n

                              Indian Bank DD charges depend on the draft amount and applicable commission slabs. While the process is simple, it\u2019s important to:<\/p>\n\n\n\n

                                \n
                              • Confirm commission and GST before payment<\/li>\n\n\n\n
                              • Double-check beneficiary details<\/li>\n\n\n\n
                              • Track validity period<\/li>\n\n\n\n
                              • Keep your receipt safely<\/li>\n<\/ul>\n\n\n\n

                                For exact and updated DD charges in 2026, check with your Indian Bank branch, as fees may vary by location and account type.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10429","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"web-stories-poster-portrait":false,"web-stories-publisher-logo":false,"web-stories-thumbnail":false},"uagb_author_info":{"display_name":"Sanjit Chakrabortty","author_link":"https:\/\/lemonn.co.in\/blog\/author\/"},"uagb_comment_info":0,"uagb_excerpt":"Need to make a secure payment for admission, government fees, tender, or property booking? A Demand Draft (DD) from Indian Bank is still one of the safest payment methods accepted across India. In this guide, we explain Indian Bank DD charges in 2026, commission rates, cancellation fees, validity, and how to apply \u2014 in simple,…","_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}