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Rates & Charges
Rates & Charges
 
Savings Account
NRE Savings* 3.00% Apply Now
 
Fixed Deposit & RD

Know more about interest rates

NRE FD
(5years 1 day upto 10 years)		 5.50% Know More
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More Rates       Service Charges 

*Interest rates at 4% per annum for end of day balances equal to or above INR 50 lacs and 3.50% per annum for end of day balances below INR 50 lacs
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NRI ›Open NRI Account ›Service Charges

Account Variant comparison
NRE Savings Account
NRO Savings Account
NRI Premia
NRI Pro Account
Seafarer's Account
Student's Account
RFC Savings Account

Penal Charges and Service Charges

Penal Charges

 

 NRI Sparsh Account*NRI Regular/Seafarer Regular/Virtu RegularNRI Pro/Seafarer Pro/Virtu ProNRI Premia/Seafarer Premia/Virtu PremiaRemittance Premia
Minimum Monthly average balance# (MAB) INR 2,50,000 at CASA level on Quarterly basis INR 10,000 at CASA level INR 2,00,000 at CASA level (effective September, 2021) INR 5,00,000 at CASA level "NIL - Subject to Subject to Min remittances of value USD 10,000 equivalent or above from Money2India / Wire transfer within 1 year from the date of upgrade and subsequently remittances of USD 10,000 equivalent or above in each of the following year OR INR 5,00,000 at CASA level"
Charges## for non maintenance of minimum Monthly average balance (NMMAB) 2% of shortfall in required MAB or 500 whichever is lower (with effect from 1st April, 2022) 6% of shortfall in required MAB or 500 whichever is lower (with effect from 1st April, 2022) 3% of shortfall in required MAB or 500 whichever is lower (with effect from 1st April, 2022) 2% of shortfall in required MAB or 500 whichever is lower (with effect from 1st April, 2022) Account shall be re-graded to NRI Regular. Charges as per NRI Regular variant shall apply
Waiver of non-maintenance of MAB charges Subject to total quarterly average balance of min INR 10,00,000 at Customer ID level Or Min remittances of value USD 2,250 equivalent or above from Money2India / Wire transfer every quarter from the date of account opening 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. Subject to Min remittances of value USD 10,000 equivalent or above from Money2India / Wire transfer within 1 year from the date of upgrade and subsequently remittances of USD 10,000 equivalent or above in each of the following years

Or

INR 25,00,000 at Customer ID 

#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.

##GST applicable

 

*Account, CASA, Remittance and Customer ID level balance in Sparsh account need to be maintained on Quarterly basis.

 

Please click here for comparison of charges.

 

ParticularsCharges
NRI Sparsh AccountNRI Regular/Seafarer Regular/Virtu RegularNRI Pro/Seafarer Pro/Virtu ProNRI Premia/Seafarer Premia/Virtu Premia
ECS/NACH charges
ECS/NACH Return Flat rate of INR 500 per instance (financial reasons) in the same month Flat rate of INR 500 per instance (financial reasons) in the same month Flat rate of INR 500 per instance (financial reasons) in the same month Flat rate of INR 500 per instance (financial reasons) in the same month
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 Flat rate of INR 500 per instance (financial reasons) in the same month Flat rate of INR 500 per instance (financial reasons) in the same month Flat rate of INR 500 per instance (financial reasons) in the same month Flat rate of INR 500 per instance (financial reasons) in the same month
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 200 per instance for financial reasons INR 200 per instance for financial reasons INR 200 per instance for financial reasons INR 200 per instance 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
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
Standing Instructions
Standing Instructions Rejection

INR 200 per instance

INR 200 per instance

INR 200 per instance

INR 200 per instance

 

Services charges:

(Charges mentioned under “NRI Premia” shall be applicable for Remittance Premia and Seafarer Premia accounts)


ParticularsCharges
NRI Sparsh AccountNRI Regular/Seafarer Regular/Virtu RegularNRI Pro/Seafarer Pro/Virtu ProNRI Premia/Seafarer Premia/Virtu Premia
Charges for cash transactions - Above Charges wef 01st March 2021
Monthly Free Number of Transactions 10 4 7 10
Monthly Free Value of Transactions 15 Lakhs 2 Lakhs 5 Lakhs 15 Lakhs
Charges [If EITHER of monthly limit for Number of transactions OR Value of Transactions Exceeds] INR 150 or INR 5 Per Thousand, whichever is higher INR 150 or INR 5 Per Thousand, whichever is higher INR 150 or INR 5 Per Thousand, whichever is higher INR 150 or INR 5 Per Thousand, whichever is higher
Charges for transactions at ATMs
ATM Interchange (Transactions at Non ICICI Bank ATMs in India) NIL Nil for first five transactions (inclusive of financial and non financial transactions) in a month. Thereafter, INR 20 (inclusive of GST) per financial transaction and INR 8.50 (exclusive of GST) 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 GST) per financial transaction and INR 8.50 (exclusive of GST) 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 NIL INR 100 per statement at branch or Customer Care NIL NIL
DD/PO Charges
DD - Issue by deposit of cash NIL 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 NIL 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 NIL 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 NIL 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 NIL Upto INR 10,000 – INR 2.25 per transaction. INR 10.001 to INR 1 lakh – INR 4.75 per transaction. INR 1 lakh to INR 2 lakhs – INR 14.75 per transaction. Above INR 2 lakhs to 5 lakh- INR 24.75 per transaction.

NIL If the transaction is requested from digital channels – Internet banking and I-mobile.		 NIL NIL
RTGS - Outward NIL INR 2 lakh to INR 5 lakh – INR 20 per transaction. INR 5 lakh and above – INR 45 per transaction

NIL If the transaction is requested from digital channels – Internet banking and I-mobile.		 NIL NIL
RTGS - Inward NIL NIL NIL NIL
IMPS – Inward NIL NIL NIL NIL
IMPS - Outward NIL Upto INR 1 lakh – INR 5 +GST per transaction. INR 1 lakh to INR 2 lakhs – INR 15+GST per transaction. Above INR  2 lakhs upto 10 lakhs - Not Applicable NIL NIL
EFT Charges
EFT Charges- inward NIL NIL NIL NIL
EFT Charges- outward NIL NIL NIL NIL
ECS/NACH charges
ECS/NACH Return Flat rate of INR 500 per instance (financial reasons) in the same month Flat rate of INR 500 per instance (financial reasons) in the same month Flat rate of INR 500 per instance (financial reasons) in the same month Flat rate of INR 500 per instance (financial reasons) in the same month
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
National Automated Clearing House (NACH) Mandate. One time mandate authorisation charges (physical/online) INR 100 per mandate INR 100 per mandate INR 100 per mandate INR 100 per mandate
Debit Card Charges
Enrolment fee NIL NIL NIL NIL
Annual Debit Card Fee for First Account Holder/ Joint Account Holder Silver NIL Silver INR 299+GST Silver NIL Silver NIL
Platinum NIL Platinum INR 299+GST Platinum NIL Platinum NIL
World NIL World INR 399+GST World INR 399+GST World NIL
Replacement Card fees (Lost / Damaged card) NIL 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 Only out of pocket (OoP) expenses INR 150 per standing instruction INR 150 per standing instruction Only out of pocket (OoP) expenses
Amendment charge NIL 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.		 50% discount on annual fee Charges as applicable 40% discount on annual fee 50% discount on annual fee
Standing Instructions Rejection

INR 200 per instance

INR 200 per instance

INR 200 per instance

INR 200 per instance
Deliverable Charges
i. Reissue of ATM / Debit Card and Pins NIL INR 375 INR 375 NIL
ii. Reissue of Internet Banking User ID NIL INR 375 INR 375 NIL
iii. Reissue of Internet Banking passwords NIL INR 375 INR 375 NIL
iv. Reissue of Cheque Book NIL INR 375 INR 375 NIL
Miscellaneous charges
Balance Certificate NIL INR 50 per certificate for balance in Savings Account and Fixed Deposit Account NIL NIL
NIL 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 NIL 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 NIL 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 NIL 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 NIL INR 50 per request NIL NIL
Inoperative account NIL NIL NIL NIL
Penalty on Deposit of cash in collector box NIL 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 NIL INR 100 per cheque and INR 200 for range of cheques covered in single mandate. No charge is levied if stop payment request is made through Internet Banking. INR 100 per cheque and INR 200 for range of cheques covered in single mandate. No charge is levied if stop payment request is made through Internet Banking. 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 NIL 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 NIL 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 Free 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
Address change request at branches INR 50 per instance INR 50 per instance INR 50 per instance INR 50 per instance
Deliverable returned by courier Any deliverable returned by courier due to consignee or address specific reasons (no such consignee/ consignee shifted and no such address, etc.) – INR 50 per instance Any deliverable returned by courier due to consignee or address specific reasons (no such consignee/ consignee shifted and no such address, etc.) – INR 50 per instance Any deliverable returned by courier due to consignee or address specific reasons (no such consignee/ consignee shifted and no such address, etc.) – INR 50 per instance Any deliverable returned by courier due to consignee or address specific reasons (no such consignee/ consignee shifted and no such address, etc.) – INR 50 per instance
Deliverables at branches Any deliverable not picked up (within the stipulated time) - INR 50 per instance Any deliverable not picked up (within the stipulated time) - INR 50 per instance Any deliverable not picked up (within the stipulated time) - INR 50 per instance Any deliverable not picked up (within the stipulated time) - INR 50 per instance
Unarranged overdraft Rs 100 per occasion + applicable interest p.a. Rs 100 per occasion + applicable interest p.a. Rs 100 per occasion + applicable interest p.a. Rs 100 per occasion + applicable interest p.a.
Porfolio Investment Scheme (PIS)
Annual Maintenance Charges (AMC Charges) INR 2500 + applicable GST per year
Transaction Reporting Charges INR 50 + applicable GST per contract note

 

Note: Effective July 1, 2017 Service Tax on bank charges / service would be replaced with applicable GST at 18%.

Please note GST would be applicable on all transactions wherever currency conversion is inolved w.e.f. July 1, 2017

 

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).