Untitled Document
ICICI Bank
 
Interest Rates
Deposit Accounts
NATURE RATE OF INTEREST MINIMUM BALANCE*
  NORMAL SENIOR CITIZEN Metro Urban Semi Urban Rural
ACCOUNT            
1. Savings Bank A/c
A. Domestic            
a. With cheque
book facility		 3.5% p.a 3.5% p.a Rs.10,000 Rs.10,000 Rs.5,000 Rs.5,000
b. Without cheque
book facility		 3.5% p.a 3.5% p.a Not available Not available Not available Not available
c. No Frills
Account		 3.5% p.a 3.5% p.a Zero Zero Zero Zero
B. Non Resident (Savings account)            
a. NRO 3.5 3.5 15000 15000 15000 5000
b. NRE 3.5 3.5 15000 15000 15000 5000
 
2. Term Deposits
A. Domestic * Rate of Interest##
Term Deposits (All Maturities) Less than Rs.15 Lakhs For Deposits Rs.15 Lakhs and above but less than Rs.1.Crore
7-14 days N.A 3.75
15-29 days 3.75 4.00
30-45 days 4.00 4.00
46-60 days 4.00 4.50
61-89 days 4.00 4.75
90 days

7.75

 7.75
91 days & above upto 180 days 6.25 6.25
181 days & above upto 189 days 7.50 7.50
190 days 10.50 10.50
191 days & above upto 269 days 7.50 7.50
270 days & above upto less than 1 year 8.00 9.00
1 year to 389 days 9.50 10.75
390 days 10.50 11.25
391 days & above upto 589 days 9.50 10.75
590 days 10.50 11.25
591 days & above upto 2 years 9.50 10.75
More than 2 years upto 889 days 9.50 9.50
890 days 10.50 10.50
891 days & above upto 3 years 9.50 9.50
More than 3 years upto 4 years 9.50 9.50
More than 4 years upto 5 years 9.50 9.50
More than 5 years upto 10 years 9.50 9.50
* Senior Citizen are offered additional 50 bps over and above the rate for amount less than Rs. 1.00 crore
## Penalty on Pre-mature withdrawal (All Categories) would be applicable as below:
Original Tenure of Deposit Penal Rates
Less than Rs.50.0 mn Rs.50.0 mn & above
Less than 1 year 0.50% 0.50%
1 year & above but less than 5 years 1.00% 1.00%
5 years 1.00% 1.50%
More than 5 years upto 5 years 3 months 1.00% 1.50%
More than 5 years 3 months upto 10 years 1.00% 1.50%
B. Non-Resident Accounts *  
a. NRO (All Maturities) Rate of Interest##
Term Deposits (All Maturities) Less than Rs.15 Lakhs
For Deposits Rs.15 Lakhs and above but less than Rs.1.Crore
7-14 days N.A 3.75
15-29 days 3.75 4.00
30-45 days 4.00 4.00
46-60 days 4.00 4.50
61-89 days 4.00 4.75
90 days 7.75 7.75
91 days to 180 days 6.25 6.25
181 days to 189 days 7.50 7.50
190 days 10.50 10.50
191days to 269 days 7.50 7.50
270 days & above upto less than 1 year 8.00 9.00
1 year to 389 days 9.50 10.75
390 days 10.50 11.25
391 days & above upto 589 days 9.50 10.75
590 days 10.50 11.25
591 days & above upto 2 years 9.50 10.75
More than 2 years upto 889 days 9.50 9.50
890 days 10.50 10.50
891 days & above upto 3 years 9.50 9.50
More than 3 years upto 4 years 9.50 9.50
More than 4 years upto 5 years 9.50 9.50
More than 5 years upto 10 years 9.50 9.50
## Penalty on Pre-mature withdrawal (All Categories) would be applicable as below:
Original Tenure of Deposit Penal Rates *
Less than Rs.50.0 mn Rs.50.0 mn & above
Less than 1 year 0.50% 0.50%
1 year & above but less than 5 years 1.00% 1.00%
5 years 1.00% 1.50%
More than 5 years upto 5 years 3 months 1.00% 1.50%
More than 5 years 3 months upto 10 years 1.00% 1.50%
     
NRE FD and FCNR(B) Interest Rates applicable from 18/11/2008
  1 year & above but < 2 years 2 years & above but < 3 years 3 years & above but < 4 years 4 years & above but < 5 years For 5 years (Maximum)
b. NRE FD 4.92 4.41 4.89 4.89 4.89
c. FCNR(B)          
i) USD 4.17 3.66 4.14 4.49 4.76
ii) GBP 7.01 5.18 5.32 5.42 5.51
iii) EUR 5.87 4.59 4.70 4.81 4.91
iv) CAD 4.17 3.26 3.52 3.70 3.89
v) AUD 7.28 6.14 6.44 6.66 6.72
 
CHARGES (Domestic Customers)
Fee Based Services            
1. 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
             
2. Cards            
Credit Cards
  Signature Platinum Identity Platinum Titanium Amex Ascent Amex Gold Insta Card Preferred Gold/Silver HPCL Gold/Silver BCIL Thomas Cook Titanium Future card EMI card All other cards
Entrance Fees 25000 2000 NIL NIL 7000/8000 499 NIL NIL NIL NIL NIL NIL NIL NIL
Annual Fee (1st year) NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
Renewal Fees 2500 1000 NIL NIL 1000 499 NIL NIL NIL NIL NIL NIL NIL NIL
Addon card Fees NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
Service charges on
outstanding balance		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)		 30% of min
amount outstanding (Min Rs. 400/- and max Rs. 600/-)
Cash withdrawal fees 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.5% on advanced amount subject to a min of Rs.300. 2.99% on advanced amount subject to a min of Rs.299 2.5% on advanced amount subject to a min of Rs.300.
Hot listing charges Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil
Other charges
(A) Late Payment Charges 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600) 30% of Min amount outstanding (subject to a min of Rs.400 and a max of Rs.600)
(B )Interest Charges 2.75% 2.75% 3.15% 3.15% 2.75% 3.4% 1.99% 3.4% 3.4% 3.4% 3.15% 3.4% 1.99 % ( charged from date of transaction) 3.4%
(C )Cash Payment at Branches Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100
(D) Replacement of credit card Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100
(E) Over limit charges 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-) 2.5% on over limit amount (subject to a min of Rs. 500/-)
(F) Return of Cheque Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/- Rs. 250/-
(G) Outstation cheque processing fee 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-) 1% on the cheque value (subject to a min of Rs. 100/-)
(H) Transaction Fee -
Dial a Draft		 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/- 3% of the draft value amount (subject to a min of Rs. 300/-
( I ) Duplicate statement request (beyond 3 months) Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100
(J) Charge Slip request Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100 Rs.100
(K) Railway Booking - Surcharge 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings 1.8% for Internet transactions and 2.5% for other bookings
(L) Foreign currency transactions 3.5% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50%
(M) Auto Debit return fee Rs.250 Rs.250 Rs.250 Rs.250 Rs.250 Rs.250 Rs.250 Rs.250 Rs.250 Rs.250 Rs.250 Rs.250 Rs.250 Rs.250
                             
             
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
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 Rs.100 per DD
4b. Pay Order       
Issue Rs.75 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
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 Rs.100 per DD
5. Outstation cheque
collection		       
Through ICICI Bank Upto Rs.10,000 – Rs. 50 per instrument; Rs.10,001 to Rs. 1 lakh – Rs 100 per instrument; Above Rs.1 lakh - Rs. 150 per instrument
Through Non-ICICI banks Upto Rs.10,000 – Rs. 50 per instrument; Rs.10,001 to Rs. 1 lakh – Rs 100 per instrument; Above Rs.1 lakh - Rs. 150 per instrument
6. NEFT Money Transfer  
Inward Nil
Outward Upto Rs.1 Lakh – Rs.5 per transaction. Rs.1 Lakh and above – Rs. 25 per transaction.
7. RTGS Money Transfer  
Inward Nil
Outward Rs. 1lakh to 5 lakh – Rs. 25 per transaction. Rs. 5 lakh 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 plus other bank’s charges at actuals for every cheque return for financial reasons
Outstation  
Inward Nil
Outward Rs.150 plus other bank charges at actuals per cheque for financial reasons.
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            
* This applies to regular savings accounts.For minimum balance requirement and productwise charges of different savings variants like Senior citizen, Privilege, Young star etc pls visit http://www.icicibank.com/pfsuser/webnews/rates&fees.htm
Service tax @ 12.36 % (as per Govt rules) W.e.f. 11-May-07 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