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Why use FlexiCash?

Pay as you use

Pay as you use

Pay interest on the amount and the period you use it for

Fully digital process

Fully digital process

Instantly avail the facility online without any documentation

Flexible repayment

Flexible repayment

Flexibility to repay the outstanding amount at your convenience. Pay only the interest due every month

Auto sweep-in facility

Auto sweep-in facility

Reduced interest payment due to auto sweep-in facility from Salary Account to Overdraft Account

Pre-closure facility

Pre-closure facility

Repay the outstanding amount & close the Overdraft Account whenever you want without any pre-closure charges.


Calculate your Interest

  • ₹0
  • ₹10L
  • 12.35%
  • 14.10%
  • 1 Day
  • 30 Days


Processing & Renewal fees start at ₹1,999
ROI: Between 12.35% and 14.10% per year

How to avail FlexiCash?

Fees & charges:

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

  • Annual renewal fee of ₹1,999+ GST

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

  • Penal charges are 5% per annum on the overdue amount.

  • Rate of interest between 12.35% p.a. to 14.10% p.a.

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

  • Mean Interest rate** for Q1’FY25 = 13.86%

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

  • Automated annual renewal of the overdraft limit is subject to meeting renewal norms.

  • The fixed rate of interest for the tenure of 12 months is subject to change at the time of renewal

FlexiCash FAQs


Restriction on using the OD funds

As per the Reserve Bank of India guidelines and Bank’s policy, Overdraft funds extended to the customer shall only be used for the intended purpose(s) as per the terms of sanction. The Overdraft funds shall not be used for any transaction/activity which is prohibitive in nature. In case the Overdraft funds are used for any prohibitive transaction/activity, ICICI Bank reserves the right to take appropriate action as deemed fit by the bank, which may include freezing of the Overdraft account or its closure.


Utilising Overdraft funds for the following purposes is considered prohibitive:


  • Investing in real estate

  • Lottery

  • Gaming

  • Digital currency/coin

  • Gambling

  • Betting

  • Chit fund financing or any other speculative activity

  • Purchasing gold, jewellery, gems

  • Investing in stock market, mutual funds, F&O, market-driven bonds, funds and chits

  • Repayment of any credit facility such as Loan, Credit Card, OD facility etc.

Customers will be informed about the usage of Overdraft funds for prohibitive activity/transaction and will be asked to credit back the amount used for unintended purposes.


Failing to adhere to the abovementioned end usage of Overdraft funds will result in freeze or closure of account.


What is FlexiCash?

ICICI Bank customers are selected basis their banking relationship with us, in addition to other parameters, and offered a pre-approved overdraft limit on their Salary Account. This limit can be utilised from Salary Account to honour cheques/ EMI at ATMs and Point of Sale (POS).

How do I repay the FlexiCash?

The amount payable will be auto-swept as and when sufficient balance is available in your Salary Account.

Do I have to pay any additional charges for FlexiCash?

A processing fee is levied on the overdraft limit, basis the defined pricing matrix followed by the Bank. An amount equal to processing fee will be due in the first month.

What are the tenure options for FlexiCash?

FlexiCash can be availed for a period of 12 months, post which the facility will be auto renewed if it meets Bank’s norms, unless the customer gives closure request.

Can I foreclose or prepay my FlexiCash?

Yes, by clearing all outstanding dues and submitting a request at any Asset Servicing Branch of ICICI Bank.

How will the interest be calculated?

FlexiCash comes with a fixed rate of interest that is calculated on a daily reducing balance. The interest is charged only on the amount you use and the period for which you use it. In case there is no usage of the funds, there will be no interest payable.

What are the documents required to apply for FlexiCash by a non pre-approved customer?

KYC and income documents are required in case you do not have an Insta FlexiCash offer.

Do I need to give any end use confirmation on availing loan?

Ans: Yes, below clause to be declared on availing loan

I hereby represent, warrant and confirm that the loan has been taken for a valid purpose and is not speculative or illegal in any manner. I also declare that the funds under the facility will not be used towards purchase of gold in any form, including primary gold, gold bullion, gold jewellery, gold coins, units of gold exchange funds (ETF) and units of gold, mutual funds etc.

The facility either in part or full will not be used for investment in capital market, land acquisition, acquiring equity shares of Indian Company/ies, buyback of shares of Indian compaies, funding of promoters contribution in the project or any other purpose, which is prohibited or any illegal activity.

I further agree, confirm and undertake that the purpose of use of funds under the loan shall not be changed in any manner during the loan, or that such change in purpose shall take place only with prior written permission of ICICI Bank.

I agree that any breach or default in complying with all or any of the aforesaid undertaking(s) will constitute and event of default under the facility documents.”

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