{"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":[],"_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}]}}