Interest Rates and Charges

Savings Account


NATURE
RATE OF INTEREST#
MINIMUM BALANCE*
NORMAL
SENIOR CITIZEN
Metro Urban Semi Urban Rural
ACCOUNT
1. Savings Bank A/c
A. Domestic
4.00 %
4.00 %
a. With cheque book facility - - Rs.10,000 Rs.10,000 Rs.5,000 Rs.2,000
b. Without cheque book facility - - Not available Not available Not available Not available
c. No Frills Account/ Basic Savings     Bank Account - - Zero Zero Zero Zero
B. Non Resident (Savings account) - -
a. NRO
4.00 %
4.00 % 15000 15000 15000 5000
b. NRE
4.00 %
4.00 % 15000 15000 15000 5000
# Interest Rate revised from 3.50% p.a to 4.00% p.a   w.e.f. May 3, 2011
Fee Based Services
2. Lockers  
Type of Locker Metro / Urban/ Semi Urban Rural
  1 yr. 2 yrs. 3 yrs. 1 yr. 2 yrs. 3 yrs.
  Locker rates vary for different branches, hence customers are requested to get in touch with respective branch
3. Debit Cards Annual Fees – Rs.99 per annum    
4. Drafts  
4a. Demand Drafts  
Issue Rs.50 per D.D. up to Rs.10,000;Rs.3 per thousand rupees or part thereof for DD of more than Rs.10,000, subject to a minimum of Rs.75 and maximum of Rs. 15,000
For Senior Citizen, Student & Rural locations For amounts upto Rs.10,000– Rs.40, For amounts above Rs.10,000 till Rs.50,000 – Rs.60, For amounts above Rs.50,000– Rs.2.50 per thousand rupees or part thereof (maximum of Rs.15,000)
Issue - By deposit of cash Rs.4 per thousand rupees or part thereof, subject to a minimum of Rs.100 and maximum of Rs. 15000
Duplicate/Revalidation/Cancellation For Instrument value upto Rs.200 – Nil. For Instrument value above Rs.200 - Rs.100
4b. Pay Order  
Issue Rs.50 for PO of up to Rs.10,000, For PO above Rs.10,000 Rs.2.50 per thousand rupees or part thereof, subject to a minimum of Rs.75 and maximum of Rs.15000
For Senior Citizen, Student & Rural locations For amounts upto Rs.10,000– Rs.40, For amounts above Rs.10,000 till Rs.50,000 – Rs.60, For amounts above Rs.50,000– Rs.2.50 per thousand rupees or part thereof (maximum of Rs.15,000)
Issue - By deposit of cash Rs.150 per PO for amounts up to Rs.50,000, For PO above Rs. 50,000 Rs.4 per thousand rupees or part thereof, subject to a minimum of Rs.150 and maximum of Rs.15000
Duplicate/Revalidation/Cancellation For Instrument value upto Rs.200 – Nil. For Instrument value above Rs.200 - Rs.100
5. Outstation cheque collection  
Through ICICI Bank Upto Rs. 5,000 – Rs. 25 per instrument. Rs. 5,001 to Rs. 10,000 – Rs. 50 per instrument. Rs. 10,001 to Rs. 1 lakh – Rs 100 per instrument. Above Rs. 1 lakh - Rs. 200 per instrument
Through Non-ICICI banks Upto Rs. 5,000 – Rs. 25 per instrument. Rs. 5,001 to Rs. 10,000 – Rs. 50 per instrument. Rs. 10,001 to Rs. 1 lakh – Rs 100 per instrument. Above Rs. 1 lakh - Rs. 200 per instrument
Speed clearing charges Upto Rs 1 Lakh Nil; above Rs 1 Lakh Rs 150/- per instrument
6. NEFT Money Transfer  
Inward Nil
Outward Upto Rs.10,000 – Rs. 2.50 per transaction.
Rs.10.001 to Rs.1 lakh – Rs. 5 per transaction.
Above Rs. 1 lakh to Rs. 2 lakhs – Rs.15 per transaction.
Above Rs. 2 lakhs – Rs.25 per transaction.
7. RTGS Money Transfer  
Inward Nil
Outward Rs. 2 lakhs to Rs.5 lakhs – Rs. 25 per transaction. Rs. 5 lakhs and above – Rs. 50 per transaction
8. Cheque return charges  
Local  
Inward Rs.350 for one cheque return per month; Thereafter, Rs.750 per return in the same month for financial reasons. Rs.50 for non-financial reasons except for signature verification
Outward Rs.100 for every cheque return for financial reasons.
Outstation  
Inward Nil
Outward Rs.150 plus other bank charges at actuals per cheque.
9. Cheque Book Issue Nil for 30 payable-at-par cheque leaves in a quarter;Rs. 30 for every additional cheque book of 15 leaves
10. No Dues Certificate Nil
This applies to regular savings accounts.For minimum balance requirement and productwise charges of different savings variants like Senior citizen, Privilege, Young star etc please click here
Service tax @ 12.36 % (as per Govt rules) W.e.f. April 1,2012 is applicable over and above charges indicated above. The charges indicated above are subject to periodic revision. The charges displayed above are not applicable for NRI customers. For details on charges applicable to NRI customers, please click here
 

 

Domestic Term Deposit Rates


 
Fixed Deposit
 
Recurring Deposit
 
iWish flexible Recurring Deposit
Fixed Deposit Rates: For Domestic Deposits below Rs. One Crore
Get the interest rate of a regular recurring deposit even if you choose not to deposit money every month. Open an iWish deposit now!
Click here to open a FD
Maturity Period Rates of Interest (% p.a.) w.e.f August 16, 2013
For deposit less than Rs. 1 crore
General Senior Citizen
7 days to 14 days 4.50 5.00
15 days to 29 days 4.75 5.25
30 days to 45 days 5.50 6.00
46 days to 60 days 7.00 7.50
61 days to 289 days 7.75 8.25
290 days to less than 1 year 7.75 8.25
1 year to 389 days 8.00 8.50
390 days to 2 years 9.00 9.50
2 years 1 day upto 5 years 8.75 9.50
5 years 1 day upto 10 years 8.50 9.25
Tax Saver FD 80C (5 year) – Upto Rs. 1 lac 8.75 9.50
*Subject to revision without further notice.
 
Premature withdrawal of Deposit:
On pre-mature withdrawal of the deposit:
  interest will be calculated at the rate applicable for the period the deposit has actually remained with ICICI Bank.
  penalty will be levied on the rate applicable as per the table below
 
Original Tenure of Deposit Penal Rates*
Less than Rs. 5.0 Crore Rs. 5.0 Crore & above
Less than 1 year 0.50% 0.50%
1 year & above but less than 5 years 1.00% 1.00%
5 years and above 1.00% 1.50%
*Subject to revision without further notice.
Note:
  That Interest earned on the Fixed Deposit will be subject to Tax Deducted at Source as per Income Tax laws.
  That the minimum tenure for term deposits is 7 days and no interest is payable for deposits prematurely withdrawn within the period of 7 days from the date of       deposit. 
  For interest rates on Fixed Deposits for Rs. 1 Cr and above, please contact your relationship manager or nearest ICICI Bank branch.
Recurring Deposit rates:
Get the interest rate of a regular recurring deposit even if you choose not to deposit money every month. Open an iWish deposit now!
Maturity Period Rates of Interest (% p.a.) w.e.f August 16, 2013
General Senior Citizen
6 months 7.75 8.25
9 months 7.75 8.25
12 months 8.00 8.50
15 months 9.00 9.50
18 months 9.00 9.50
21 months 9.00 9.50
24 months 9.00 9.50
27 months 8.75 9.50
30 months 8.75 9.50
33 months 8.75 9.50
3 years to 5 years 8.75 9.50
Above 5 years upto 10 years 8.50 9.25
 
Note:
  Recurring Deposits will be available for a minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years.
Penalty on Delayed Installment:
  Penalty is charged at monthly interest at the rate of Rs.12 per Rs.1000 for all delayed installments.
  Fraction of a month will be treated as full month for the purpose of calculating such interest.
  The total interest so chargeable shall be recovered from the total amount of interest payable at the time of maturity.
 
Premature withdrawal of Recurring Deposit (Click Here)
 

 

 

 

NRI Term Deposit Rates


NRO FD / RD
 
NRE FD / RD
 
FCNR FD
 

 

 

 

Loans and Advances


Loans & Advances - Indicative lending rates updated on March 15th, 2013
 
Two Wheeler Loan Interest Rate
 
Loans and Advances - Indicative lending rates updated on January 09, 2014
Car Loan Interest Rate
 
Commercial Vehicle Loan Interest Rate
 
Construction Equipment Loan Interest Rate
 
Loans & Advances - Indicative lending rates updated on January 01, 2014
 
Personal Loan Interest Rate
 
Home Loan Interest Rates effective from February 4, 2014
 
Home Loan Interest Rate
 
Applicable Rate of Interest Effective from May 20, 2013
 
Type of credit facility Credit limit (Rs.) Rate of interest (%) (p.a.)
  Upto Rs.1 mn 13.00
Loan Against Securities More than Rs. 1 mn to Rs. 1.5 mn 12.75
  More than Rs. 1.5 mn to Rs. 2 mn 12.50
 
Note:
 Specific interest rate applicable to a customer would be dependent on segment, asset category and location.
 Stamp duty charges shall be extra as applicable.
 ICICI Bank reserves the right to revise the rate of interest and processing fee from time to time, at its sole discretion.
 

 

 

 

Cards