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Rates & Charges
Rates & Charges
 
Savings Account
NRE Savings 4.00% Apply Now
 
Fixed Deposit & RD

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NRE FD
(390 days to 2 years) 		6.90% Know More
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NRE Savings Account
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Student's Account
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Service Charges

Minimum Average Balance Requirement From 1st June 2016

 Easy NRI a/csNRI Regular/ NRI SeafarerNRI ProNRI Premia
Minimum Monthly average balance# (MAB) INR 2000 at account level INR 10,000 at account level INR 1,00,000 at CASA level INR 5,00,000 at CASA level
Charges## for non maintenance of minimum Monthly average balance (NMMAB)
  • INR 100 + 5% of the shortfall in required MAB
  • INR 100 + 5% of the shortfall in required MAB or INR 500 whichever is lower
  • INR 100 + 2% of the shortfall in required MAB or INR 500 whichever is lower
  • INR 100 + 1% of the shortfall in required MAB or INR 500 whichever is lower
Waiver of non-maintenance of MAB charges Charges if applicable would be waived off provided the customer remits a cumulative sum of INR 20,000 or more in the last 3 months in the account. For more than 1 account in a Cust Id, the above remittance criteria will have to be met by all accounts under the Cust Id individually Subject to total monthly average balance of min INR 25,000 at Customer ID level. Subject to total monthly average balance of min INR 5,00,000 at Customer ID level. Subject to total monthly average balance of min INR 25,00,000 at Customer ID level.

#Minimum balance requirement:

  • Account level: Minimum average balance maintained in each Saving/Non-interest bearing account under same Customer ID.
  • CASA level: Cumulative minimum average balance in all Saving/Non-interest bearing accounts under same customer ID.
  • Customer ID level: Monthly average balance in NRE Savings / Non interest bearing account + Monthly average balance in NRO Savings / Non interest bearing account + Month end balance in Fixed deposit/s and Recurring deposit/s within the same customer ID.

##Service Tax applicable

 

Please click here for comparison of charges.

 

Minimum Average Balance Requirement upto 31st May 2016

 Easy NRI a/csNRI Regular/ NRI SeafarerNRI ProNRI Premia
Minimum Monthly average balance# (MAB) INR 2000 at account level INR 10,000 at account level INR 1,00,000 at CASA level INR 5,00,000 at CASA level
Charges## for non maintenance of minimum Monthly average balance (NMMAB)
  • If MAB is INR 1,000 or more but below INR 2,000, charge of INR 250 per month will be levied
  • If MAB falls below INR 1,000, charge of INR 350 per month will be levied
 • MAB between – INR 5,000 to INR 10,000: INR 350 per month
• MAB – Less than INR 5,000: INR 450 per month		 • MAB between – INR 50,000 to INR 1,00,000: INR 50 per month
• MAB between – INR 25,000 to INR 50,000: INR 100 per month
• MAB between – INR 10,000 to INR 25,000: INR 200 per month
• MAB between – INR 5,000 to INR 10,000: INR 350 per month
• MAB – Less than INR 5,000: INR 450 per month		 • MAB between – INR 4,00,000 to INR 5,00,000: INR 50 per month
• MAB between – INR 3,00,000 to INR 4,00,000: INR 100 per month
• MAB between – INR 1,00,000 to INR 3,00,000: INR 200 per month
• MAB between – INR 50,000 to INR 1,00,000: INR 350 per month
• MAB – Less than INR 50,000: INR 450 per month
Waiver of non-maintenance of MAB charges Charges if applicable would be waived off provided the customer remits a cumulative sum of INR 20,000 or more in the last 3 months in the account. For more than 1 account in a Cust Id, the above remittance criteria will have to be met by all accounts under the Cust Id individually Subject to total monthly average balance of min INR 25,000 at Customer ID level. Subject to total monthly average balance of min INR 5,00,000 at Customer ID level. Subject to total monthly average balance of min INR 25,00,000 at Customer ID level.

#Minimum balance requirement:

  • Account level: Minimum average balance maintained in each Saving/Non-interest bearing account under same Customer ID.
  • CASA level: Cumulative minimum average balance in all Saving/Non-interest bearing accounts under same customer ID.
  • Customer ID level: Monthly average balance in NRE Savings / Non interest bearing account + Monthly average balance in NRO Savings / Non interest bearing account + Month end balance in Fixed deposit/s and Recurring deposit/s within the same customer ID.

##Service Tax applicable

 

Please click here for comparison of charges.

Other charges:

ParticularsCharges
Easy NRI a/csNRI Regular/ NRI SeafarerNRI PRONRI PREMIA
Charges for cash transactions
Cash transactions at base branch NIL NIL NIL NIL
Cash Withdrawals by customer or customers representative to the debit of the customers own Savings Account at a non-base branch NIL NIL NIL NIL
Cash deposit by customer or customers representative to the credit of the customers own Savings Account at a non-base branch NIL NIL NIL NIL
Charges for transactions at ATMs
ATM Interchange (Transactions at Non ICICI Bank ATMs in India) Nil for first five transactions (inclusive of financial and non financial transactions) in a month. Thereafter, INR 20 (inclusive of service tax) per financial transaction and INR 8.50 (exclusive of service tax) per non financial transaction W.e.f. Jan 1, 2015 Nil for first five transactions (inclusive of financial and non financial transactions) in a month. Thereafter, INR 20 (exclusive of service tax) per financial transaction and INR 8.50 (exclusive of service tax) per non financial transaction Nil for first five transactions (inclusive of financial and non financial transactions) in a month. Thereafter, INR 20 (inclusive of service tax) per financial transaction and INR 8.50 (exclusive of service tax) per non financial transaction

W.e.f. Jan 1, 2015 Nil for first five transactions (inclusive of financial and non financial transactions) in a month. Thereafter, INR 20 (exclusive of service tax) per financial transaction and INR 8.50 (exclusive of service tax) per non financial transaction		 NIL NIL
Transactions at ICICI Bank ATMs in India NIL NIL NIL NIL
Transactions at overseas ATMs INR 125 per cash withdrawal (financial transaction) at ATM overseas & INR 25 per balance inquiry, PIN change and mini statement (non-financial transaction) at ATM overseas. INR 125 per cash withdrawal (financial transaction) at ATM overseas & INR 25 per balance inquiry, PIN change and mini statement (non-financial transaction) at ATM overseas. INR 125 per cash withdrawal (financial transaction) at ATM overseas & INR 25 per balance inquiry, PIN change and mini statement (non-financial transaction) at ATM overseas. INR 125 per cash withdrawal (financial transaction) at ATM overseas & INR 25 per balance inquiry, PIN change and mini statement (non-financial transaction) at ATM overseas.
For purchase and ATM transactions outside India at all VISA enabled POS and ATM Machines Conversion charge of 3.5% Conversion charge of 3.5% Conversion charge of 3.5% Conversion charge of 3.5%
Statement charges
Statement Free quarterly statement Free quarterly statement Free quarterly statement Free quarterly statement
Free monthly e-mail statement Free monthly e-mail statement Free monthly e-mail statement Free monthly e-mail statement
Issue of Duplicate Statement INR 100 per statement at branch or Customer Care INR 100 per statement at branch or Customer Care NIL NIL
DD/PO Charges
DD - Issue by deposit of cash INR 4 per thousand rupees or part thereof, subject to a minimum of INR 100 and maximum of INR 15000 INR 4 per thousand rupees or part thereof, subject to a minimum of INR 100 and maximum of INR 15000 NIL NIL
DD - Cancellation / Duplicate / Revalidation INR 100 per DD INR 100 per DD INR 100 per DD INR 100 per DD
Issue of DD drawn on ICICI Bank by cheque/transfer INR 50 per D.D. up to INR 10,000; INR 3 per thousand rupees or part thereof for DD of more than INR 10,000, subject to a minimum of INR 75 and maximum of INR 15,000 INR 50 per D.D. up to INR 10,000;
INR 3 per thousand rupees or part thereof for DD of more than INR 10,000, subject to a minimum of INR 75 and maximum of INR 15,000		 NIL NIL
PO - Issue INR 75 for PO of up to INR 10,000; For PO above INR 10,000 INR 2.50 per thousand rupees or part thereof, subject to a minimum of INR 75 and maximum of INR 15000 INR 75 for PO of up to INR 10,000;
For PO above INR 10,000 INR 2.50 per thousand rupees or part thereof, subject to a minimum of INR 75 and maximum of INR 15000		 NIL NIL
PO - Issue by deposit of cash INR 150 per PO for amounts up to INR 50,000 For PO above INR 50,000 INR 4 per thousand rupees or part thereof, subject to a minimum of INR 150 and maximum of INR 15000 INR 150 per PO for amounts up to INR 50,000
For PO above INR 50,000 INR 4 per thousand rupees or part thereof, subject to a minimum of INR 150 and maximum of INR 15000		 NIL NIL
PO - Cancellation / Duplicate / Revalidation INR 100 per PO INR 100 per PO INR 100 per PO INR 100 per PO
NEFT / RTGS charges
NEFT Charges - Inward NIL NIL NIL NIL
NEFT Charges Outward Upto INR 10,000 – INR 2.5 per transaction. INR 10.001 to INR 1 lakh – INR 5 per transaction. INR 1 lakh to INR 2 lakhs – INR 15 per transaction. Above INR 2 lakhs - INR 25 per transaction. Upto INR 10,000 – INR 2.5 per transaction.
INR 10.001 to INR 1 lakh – INR 5 per transaction.
INR 1 lakh to INR 2 lakhs – INR 15 per transaction.
Above INR 2 lakhs - INR 25 per transaction.		 NIL NIL
RTGS - Outward INR 2 lakh to INR 5 lakh – INR 25 per transaction. INR 5 lakh and above – INR 50 per transaction INR 2 lakh to INR 5 lakh – INR 25 per transaction.
INR 5 lakh and above – INR 50 per transaction		 NIL NIL
RTGS - Inward NIL NIL NIL NIL
EFT Charges
EFT Charges- inward NIL NIL NIL NIL
EFT Charges- outward NIL NIL NIL NIL
ECS charges
ECS Debit Returns INR 350 per return for financial reasons INR 350 per return for financial reasons INR 350 per return for financial reasons INR 350 per return for financial reasons
ECS Credit Returns NIL NIL NIL NIL
Charges for certifying or verifying customer mandates NIL NIL NIL NIL
Cheque Collection Local NIL NIL NIL NIL
Charges for Cheque Returns
Local cheque deposited by customer INR 100 for every cheque return for financial reasons INR 100 for every cheque return for financial reasons INR 100 for every cheque return for financial reasons INR 100 for every cheque return for financial reasons
Cheque issued by customer INR 350 for one cheque return per month; Thereafter, INR 750 per return in the same month for financial reasons; INR 50 for non-financial reasons except for signature verification Transfer cheque returns will be charged at INR 350 per return for financial reasons. INR 350 for one cheque return per month;
Thereafter, INR 750 per return in the same month for financial reasons; INR 50 for non-financial reasons except for signature verification
Transfer cheque returns will be charged at INR 350 per return for financial reasons.		 INR 350 for one cheque return per month;
Thereafter, INR 750 per return in the same month for financial reasons ; INR 50 for non-financial reasons except for signature verification
Transfer cheque returns will be charged at INR 350 per return for financial reasons.		 INR 350 for one cheque return per month;
Thereafter, INR 750 per return in the same month for financial reasons; INR 50 for non-financial reasons except for signature verification
Transfer cheque returns will be charged at INR 350 per return for financial reasons.
Outstation cheque deposited by customer INR 150 plus other bank charges at actuals per cheque INR 150 plus other bank charges at actuals per cheque INR 150 plus other bank charges at actuals per cheque INR 150 plus other bank charges at actuals per cheque
Outward Return Charges – Local INR 100 plus other bank’s charges at actuals for every cheque return for financial reasons INR 100 plus other bank’s charges at actuals for every cheque return for financial reasons INR 100 plus other bank’s charges at actuals for every cheque return for financial reasons INR 100 plus other bank’s charges at actuals for every cheque return for financial reasons
Outward Return Charges – Upcountry INR 150 plus other bank charges at actuals per cheque for financial reasons. INR 150 plus other bank charges at actuals per cheque for financial reasons. INR 150 plus other bank charges at actuals per cheque for financial reasons. INR 150 plus other bank charges at actuals per cheque for financial reasons.
Debit Card Charges
Enrolment fee NIL NIL NIL NIL
Annual Debit Card Fee for First Account Holder/ Joint Account Holder Silver INR 199+ST Silver INR 199+ST Silver NIL Silver NIL
Platinum INR 299+ST Platinum INR 299+ST Platinum NIL Platinum NIL
World INR 399+ST World INR 399+ST World INR 399+ST World NIL
Replacement Card fees (Lost / Damaged card) INR 375 INR 375 INR 375 NIL
Surcharge on Fuel purchases At HPCL outlets: At HPCL outlets: At HPCL outlets: At HPCL outlets:
NIL for transactions above INR 400; 2.5% subject to a minimum of INR 2 for transactions up to INR 400 NIL for transactions above INR 400; 2.5% subject to a minimum of INR 2 for transactions up to INR 400 NIL for transactions above INR 400; 2.5% subject to a minimum of INR 2 for transactions up to INR 400 NIL for transactions above INR 400; 2.5% subject to a minimum of INR 2 for transactions up to INR 400
At non-HPCL outlets: At non-HPCL outlets: At non-HPCL outlets: At non-HPCL outlets:
2.5 % of purchase or INR 10 per transaction, whichever is higher 2.5 % of purchase or INR 10 per transaction, whichever is higher 2.5 % of purchase or INR 10 per transaction, whichever is higher 2.5 % of purchase or INR 10 per transaction, whichever is higher
Debit Card PIN re-generation Charges NIL NIL NIL NIL
Decline of transaction at any ATM or point of sale (POS) due to insufficient balance in the account INR 25 per transaction INR 25 per transaction INR 25 per transaction INR 25 per transaction
Debit Card de - hotlisting INR 100 per request INR 100 per request INR 100 per request INR 100 per request
Standing Instructions
Setting-up-charge INR 150 per standing instruction INR 150 per standing instruction INR 150 per standing instruction Only out of pocket (OoP) expenses
Amendment charge INR 25 per amendment INR 25 per amendment INR 25 per amendment NIL
Execution charge involving payment through DD/PO, etc. As per remittance, plus INR 25 towards out-of -pocket expenses As per remittance, plus INR 25 towards out-of -pocket expenses As per remittance, plus INR 25 towards out-of -pocket expenses As per remittance, plus INR 25 towards out-of -pocket expenses
Lockers
Customers are entitled for discount only for the first year.		 Charges as applicable Charges as applicable 40% discount on annual fee 50% discount on annual fee
Deliverable Charges
i. Reissue of ATM / Debit Card and Pins INR 375 INR 375 INR 375 NIL
ii. Reissue of Internet Banking User ID INR 375 INR 375 INR 375 NIL
iii. Reissue of Internet Banking passwords INR 375 INR 375 INR 375 NIL
iv. Reissue of Cheque Book INR 375 INR 375 INR 375 NIL
Miscellaneous charges
Balance Certificate INR 50 per certificate for balance in Savings Account and Fixed Deposit Account INR 50 per certificate for balance in Savings Account and Fixed Deposit Account NIL NIL
INR 100 per certificate for balance in INR and the equivalent amount in USD in Savings Account and Fixed Deposit Account INR 100 per certificate for balance in INR and the equivalent amount in USD in Savings Account and Fixed Deposit Account NIL NIL
Interest Certificate INR 50 per certificate for more than one copy for a financial year INR 50 per certificate for more than one copy for a financial year NIL NIL
Account closure NIL for closure within 30 days of account opening, INR 500 for closure during 31 days to one year, NIL after one year of account opening NIL for closure within 30 days of account opening, INR 500 for closure during 31 days to one year, NIL after one year of account opening NIL for closure within 30 days of account opening, INR 500 for closure during 31 days to one year, NIL after one year of account opening NIL for closure within 30 days of account opening, INR 500 for closure during 31 days to one year, NIL after one year of account opening
Retrival of old transactional documents / Enquiries related to old records Upto 1 year old : INR 50 per record ; More than 1 year old : INR 100 per record. Upto 1 year old : INR 50 per record ; More than 1 year old : INR 100 per record. Upto 1 year old : INR 50 per record; More than 1 year old : INR 100 per record. NIL
Use of Fax/Telephone/Modem INR 100 or actuals, whichever is higher INR 100 or actuals, whichever is higher NIL NIL
Photo attestation INR 100 per application/letter INR 100 per application/letter INR 100 per application/letter INR 100 per application/letter
Signature attestation INR 50 per application/letter INR 50 per application/letter INR 50 per application/letter INR 50 per application/letter
Address confirmation INR 50 per request INR 50 per request NIL NIL
Inoperative account NIL NIL NIL NIL
Penalty on Deposit of cash in collector box A charge of INR 100 will be levied. The charge will be INR 300 in case the deposit amount is above INR 500. Repeat instances of cash deposits through cheque drop box will attract an enhanced charge of INR 500 for any amount. For any other exceptional transactions which are not part of the services offered by ICICI Bank, a charge will be levied as specified by the bank from time to time. A charge of INR 100 will be levied. The charge will be INR 300 in case the deposit amount is above INR 500. Repeat instances of cash deposits through cheque drop box will attract an enhanced charge of INR 500 for any amount. For any other exceptional transactions which are not part of the services offered by ICICI Bank, a charge will be levied as specified by the bank from time to time. NIL NIL
Stop Payment charges INR 50 per cheque and INR 100 for range of cheques covered in single mandate. No charge is levied if stop payment request is made through Internet Banking and Customer Care (IVR). INR 50 per cheque and INR 100 for range of cheques covered in single mandate. No charge is levied if stop payment request is made through Internet Banking and Customer Care (IVR). INR 50 per cheque and INR 100 for range of cheques covered in single mandate. No charge is levied if stop payment request is made through Internet Banking and Customer Care (IVR). NIL
Lien marking and unmarking of savings account INR 50 for marking of lien ; INR 50 for unmarking of lien INR 50 for marking of lien ; INR 50 for unmarking of lien INR 50 for marking of lien ; INR 50 for unmarking of lien INR 50 for marking of lien ; INR 50 for unmarking of lien
Reissue of Internet user id or password ( through Branch or non IVR Customer Care) INR 375 INR 375 INR 375 INR 375
Cheque Books Free, payable-at-par Free, payable-at-par Free, payable-at-par Free, payable-at-par
Multicity cheque payment NIL NIL NIL NIL
Outstation cheque collection –through ICICI Bank branch locations Upto INR 5,000 – INR 25 per instrument. INR 5,001 to INR 10,000 – INR 50 per instrument. INR 10,001 to INR 1 lakh – INR 100 per instrument. Above INR 1 lakh - INR 200 per instrument Upto INR 5,000 – INR 25 per instrument. INR 5,001 to INR 10,000 – INR 50 per instrument. INR 10,001 to INR 1 lakh – INR 100 per instrument. Above INR 1 lakh - INR 200 per instrument NIL NIL
Outstation cheque collection –through non ICICI Bank branch locations Upto INR 5,000 – INR 25 per instrument. INR 5,001 to INR 10,000 – INR 50 per instrument. INR 10,001 to INR 1 lakh – INR 100 per instrument. Above INR 1 lakh - INR 200 per instrument Upto INR 5,000 – INR 25 per instrument. INR 5,001 to INR 10,000 – INR 50 per instrument. INR 10,001 to INR 1 lakh – INR 100 per instrument. Above INR 1 lakh - INR 200 per instrument NIL NIL
Issue of pass book NIL on request at base branch where account is maintained NIL on request at base branch where account is maintained NIL on request at base branch where account is maintained NIL on request at base branch where account is maintained
Issue of duplicate pass book NIL NIL NIL NIL
Issue of loose cheque leaves INR 125 for cheque book of 5 leaves (INR 25 per leaf) INR 125 for cheque book of 5 leaves (INR 25 per leaf) INR 125 for cheque book of 5 leaves (INR 25 per leaf) Free

 

Note: Effective June 1, 2016 the effective Service tax rate is increased to 15% -comprising of service tax at 14% plus Swachh Bharat Cess (SBC) of 0.5% plus a new levy Krishi Kalyan Cess (KKC) of 0.5%.

Please note that service tax is applicable on all transactions wherever currency conversion is involved on slab basis as per Notification No. 26/2011 – Service Tax, dated March 31, 2011. Effective June 1, 2015 vide notification no. 14/2015, the service tax rates have been further revised and effective November 15, 2015 vide Notification no. 25/2015 Swachh Bharat Cess(SBC) has been applied. As per amendments in Budget 2016, a new levy Krishi Kalyan Cess (KKC) of 0.5% has been added in the existing Service tax. Accordingly, revised service tax, Swachh Bharat Cess (SBC) and Krishi Kalyan Cess (KKC) will be applicable on all  transactions. 

With effect from April 1, 2015: In the event of non-maintenance of minimum MAB, the bank will notify the customer by E-mail/letter etc. that in the event of the minimum balance not being restored in the account in the subsequent month, non-maintenance of MAB charges will be applicable.

 

In case the customer has not maintained MAB for any consecutive month, non-maintenance of MAB charges shall be applicable for all consecutive months. The Bank will notify the customer in the initial month only in case of non-maintenance of MAB in consecutive months. It will be the responsibility of the customer to have a valid e-mail ID and address updated with the Bank at all times, failing which, customer may not receive the notification(s).