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How Do I Apply For Overdraft Against My Salary Account Through Net Banking

Overdraft against Salary Account (Insta FlexiCash) is offered only to select customers of ICICI Bank.

  • Click here to check the offer
  • Log in using your Debit Card or Net Banking user ID
  • If you are eligible for the offer, you will be redirected to the offer page to avail Insta FlexiCash

OD Against Salary - Features & Benefits

Features Benefits
Pay only for what you use Pay interest on the amount you use and for the period you use it for
Flexible Repayment Flexibility to clear the outstanding limit at your convenience, only the interest due to be paid every month
Digital process for pre-approved customers Avail of facility instantly by applying online with no documentation
Auto sweep-in facility Reduced interest burden due to the auto sweep facility from the Salary Account to the overdraft account
Auto Renewal Automated process of renewal of overdraft limit
Pre-closure facility Repay the amount whenever you want without any pre-closure charges

Overdraft Against Salary - Fees and Charges

  • Processing fee starting from Rs 1,999 + GST up to maximum Rs 2,999 + GST 

  • Annual renewal fee of Rs 1,999 + GST

  • Late payment fee of Rs 500 + GST (if applicable)

  • Rate of interest between 12% p.a. to 14.1% p.a.

For example: If you have a FlexiCash limit of Rs 1,00,000 with an interest rate of 12.5% p.a. and you utilise Rs 10,000 for 15 days, you would be charged interest of Rs 51.37 (Rs10,000 * 15/365 * 12.5%)

  • Mean interest rate** for Q2’FY24 = 13.65%

**This is average interest rate charged to the accounts opened in the mentioned quarter and is dependent on customer category.


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