Family 360° Banking – Schedule of Charges

SAVINGS ACCOUNT SCHEDULE OF CHARGES

Cash Transaction Charges 1) Number Limit (Sum total of deposits and

Home Branch (Branch where the account is withdrawals)
opened or ported) Rs 150 per transaction post 3 free cash
(Deposits and withdrawals across branches and transactions per month.
deposits in Cash Recycler Machines considered.) 2) Value Limit (Sum total of deposits and
(With effect from 1st May 2024) withdrawals)
Rs 5 per Rs 1,000 post free limit of Rs 5 lakh
per month or Rs 150, whichever is higher
Limits are inclusive of both Home and Non-
home branch transactions (Self and Third
party)

ATM Interchange (Transactions at Non ICICI 6 metro locations (Mumbai, New Delhi,
Bank ATMs) Chennai, Kolkata, Bengaluru and
Hyderabad): Rs 21 per financial transaction
& Rs 8.5 per non-financial transaction post 3
transactions (inclusive of financial and non-
financial transactions).
Other than 6 metro locations: Rs 21 per
financial transaction and Rs 8.5 per non-
financial transaction post 5 transactions
(inclusive of financial and non-financial
transactions).
Maximum of 5 transactions are free in a
month across locations with a cap of 3
transactions at 6 metro locations.
Nil for senior citizens
ATM withdrawal at other bank (outside
India)- Rs 125/transaction+3.5% currency
conversion charge.
Non financial 25/transaction
Transactions at ICICI Bank ATMs / Cash Nil
Recycler Machines (cash withdrawals)
Issue of DD drawn on ICICI Bank by Nil
cheque/transfer

Debit Card Annual Fees Nil

Cheque Books Nil

Value Added SMS alert facility Nil

(For transactions other than specified by
regulatory guidelines, SMS alerts will be
triggered only if the transaction value is greater
than Rs 5,000).

Note: Common service charges applicable to all Savings Account variants except for Wealth
Management / ICICI Bank Private Banking and the ones mentioned above. Refer to Annexure 3.
 BUSINESS 360° BANKING
CURRENT ACCOUNT SCHEDULE OF CHARGES FOR BUSINESS 360° BANKING

QAB Requirement And Charges

Product Name Business 360° Banking

Product Code HPMGT

Quarterly Average Balance (QAB)

Nil
in Rs

NMQAB Charges Nil

Service Charges

Electronic Transactions

Nil

NEFT Charges Outward

Nil
RTGS Outward

IMPS Outward
50/1 lakh MAB; Maximum 1,000
transactions Free. Above free limit
Amount up to Rs 1,000- Rs 2.50/- per
transaction

Amount above Rs 1,000 to Rs 1,00,000 -

Rs 5/- per transaction

Amount above Rs 1,00,000 to Rs 5,00,000

- Rs 15/- per transaction
Cash Transactions

1. Cash Deposit Charges (Base and non-

base locations): @10 times MAB,
Maximum Rs 2,50,00,000 - Free; Above
Free limit 3.5/1000 subject to Min of Rs 50
Cash Transaction Charges per transaction;
(Cumulative of Deposit and
Withdrawal) 2. Cash Withdrawal : (Base location) Free
(Non Base): Free up to Rs 10 times of MAB,
up to Rs 2.5 crore;

Then Rs 2 per 1,000

Total Transactions At Branches 150/1 lakh MAB

Minimum 100 transactions; Maximum

3,500

transactions-Free; Above free limit

below additional charges will be levied at

branches Except transactions through self
service channels

Cash Deposit Transactions: Rs 25 per

transaction

Transactions other than cash deposit: Rs

25 per transaction

Cash deposit charges - Cash Charges of Rs 50 per transaction, will be

Acceptor/Recycler machines levied on cash deposited in the Cash
Acceptor/Recycler machines on bank
holidays and between 06:00 p.m. and
08:00 a.m. on working days. The charges
would be applicable if the cash deposit in
the Cash Acceptor/Recycler machines on
bank holidays and between 6 pm and 8 am
on working days exceeds Rs 10,000 per
month either as a single transaction or
multiple transactions.
Non Cash Transactions

Collection of outstation cheque Nil

Cheque Book 150/1 lakh MAB

Minimum 100 leaves; Maximum 2,200

leaves-Free.

Above free limit- Rs 2 per leaf

DD- Issue by deposit of 50/1 lakh Monthly Average Balance (MAB)

cash/cheque/transfer
Minimum 15 DD/PO; Maximum 1,500
PO - Issue by deposit of DD/PO-Free.
cash/cheque/transfer
Above free limit- Rs 2 per 1,000

Address change request at Nil

branches

Address confirmation Nil

National Automated Clearing Rs 100 per mandate

House (NACH) Mandate. One time
mandate authorisation charges
(physical)

Reissue of Internet user id or Nil

password (Branch or non IVR
Customer Care)
Debit Card And ATM Charges

Debit Card Annual fees Nil*

ATM Interchange 6 metro locations (Mumbai, New Delhi,

Chennai, Kolkata, Bengaluru and
(Transactions at Non ICICI Bank
Hyderabad): Rs 21 per financial
ATMs)
transaction & Rs 8.5 per non-financial
transaction, post 3 transactions (inclusive
of financial and non-financial
transactions).

Other than 6 metro locations: Rs 21 per

financial transaction and Rs 8.5 per non-
financial transaction, post 5 transactions
(inclusive of financial and non-financial
transactions).

Maximum of 5 transactions free in a

month, across locations, with a cap of 3
transactions at 6 metro locations.

ATM withdrawal at other bank (outside

India)- Rs 125/transaction +3.5% currency
conversion charge. Non financial
25/transaction

Replacement Card fees (Lost / Rs 200 per card

Damaged card)

Debit Card PIN re-generation Nil

Charges

Debit Card de - hotlisting Nil

Other Charges

Value Added SMS alert facility Nil

Monthly physical Account Rs 25 per month

Statement
Interest Certificate Nil

Signature attestation Rs. 100 per application/letter

Balance Certificate Nil

Retrieval of old transactional Nil

documents / Enquiries related to
old records

Standing Instructions – Setup Nil

DD/PO - Cancellation / Duplicate / Rs 100 per instance

Revalidation

Stop Payment charges Particular cheque - Rs.100

(NIL through customer care IVR & Digital

banking)

Issue of Duplicate Statement Rs.100 per statement at branch or

Customer Care (non-IVR), Rs. 50 per
statement through Customer Care (IVR),
ATM and Net banking

Account closure Nil

Penal Charges

ECS Debit Return Rs 500 per instance for financial reasons.

Maximum recovery will be done for 3
instances per month for the same mandate.

Cheque Return Inward Rs. 500 per instrument ( Financial Reason)

Cheque Return Outward First 10 Free; Above Free Limit-

Rs 100 for every cheque return

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.) – Rs 50 per instance

Deliverables destroyed at Any deliverable not picked up (within the

branches stipulated time) - Rs 50 per instance

Decline of transaction at other Rs. 25 per transaction

bank ATM or point of sale (POS)
due to insufficient balance in the
account

Standing Instructions- Rejection Rs 200 per instance for financial reasons

Cash Management Service Charges

One Time Setup Fee - Rs 5000

FT - Rs Nil

NEFT - Rs 2

RTGS - Rs 2

iMultipay / iPay (Apply from Cheque/DD - Rs 3

branches) IMPS - Amount up to Rs 1,000 - Rs 2.50
per transaction

Amount above Rs 1,000 to Rs 1,00,000 -

Rs 5 per transaction

Amount above Rs 1,00,000 to Rs 5,00,000

- Rs 15 per transaction
 One Time Setup Fee - 2000

FT - Nil

NEFT - 1

RTGS - 1
iMultipay / iPay (Apply through
IMPS - Amount up to Rs 1,000 - Rs 2.50
CIB/InstaBIZ)
per transaction

Amount above Rs 1,000 to Rs 1,00,000 -

Rs 5 per transaction

Amount above Rs 1,00,000 to Rs 5,00,000

- Rs 15 per transaction

Virtual Account Collection

One Time Setup Fee - Rs 4000
(E-Collection) (Apply from
Per Transaction Rs - 1
branches)

Virtual Account Collection

One Time Setup Fee - 2000
(E-Collection) (Apply through
Per Transaction Rs - 1
CIB/InstaBIZ)

Trade Charges

Advance import Rs 500 per bill

Direct import Rs 500 per bill

Import Bills on Collection (under Rs 500 per bill

Letter of Credit or non-LC)

Foreign Outward Remittance Rs 500 per bill

(Non-import)

Export Bills on Collection (Under Rs 500 per bill

LC or Non-LC)
Export Bills Regularisation (Export Rs 500 per bill
against Advance Remittance or
Bills sent directly by customer)

Export LC Advising Rs 500

Inward remittances Free

E-BRC Free

FIRC charges Free

SWIFT Rs 300

Courier charges Rs 300

Registered Post charges Rs 100

*For Business Gold Debit Card

Glossary of Terms

QAB - Quarterly Average Balance is calculated as an average of daily closing

positive balances of each day, spread over a period of the quarter

NMQAB - Non-maintenance of Quarterly Average Balances

Base Location - Refers to all the branches belonging to the same clearing zone
in which the account has been opened.

I understand:

1. If the programme threshold as defined in the Terms & Conditions is not

maintained for two consecutive quarters, the account will be downgraded to
SBA 2.0 Silver, except for select products under Current Account as updated on
www.icicibank.com (website) and the customer will be required to meet the
QAB requirement as per the variant.

2. All cash transactions of Rs 10 lakh and above in a single day would require
prior intimation and approval of the branch, at least one working day in
advance.

3. For any services or charges not covered under this brochure, please contact
any of our branches or write to corporatecare@icicibank.com.

4. The service charges are subject to change, without any prior intimation to the
customer. However, the prevailing charges would be hosted on
 www.icicibank.com . The Charge cycle period shall be from the 1st to the 31st of
the month.

5. All charges are exclusive of GST, as applicable from time to time.

6. For detailed Terms and Conditions, please refer to www.icicibank.com .

Date: Customer Stamp And Signature:

Annexure 1

SA (Primary ID) Eligibility for current accounts Consent for Current account

Consent of the authorized

Individual/ Sole Proprietor – signatories will be taken on
SA Primary ID of the group Current account of Primary ID grouping form
can only be grouped

Consent of the authorized

Partnership/ LLP – Current
signatories will be taken on
account can be grouped
SA Primary ID of the group grouping form. One of the
under any one of the Partner’s
authorised signatories has to
primary ID
be a partner

Consent of the authorized

Private Company/ Public
signatories will be taken on
Company* – Current account
SA Primary ID of the group grouping form. One of the
can be grouped under any of
authorized signatories has to
the director Primary ID
be a director.

*Listed companies are excluded for grouping purpose

Annexure 2
CA constitution (Primary ID) Eligibility for savings accounts Consent Grid

Individual’s/ sole proprietor’s Consent of the authorized

Individual/ sole proprietor savings account & his family** signatories will be taken on
can be grouped grouping form

Consent of the authorized

signatories will be taken on
Partner’s savings account &
Partnership/ LLP grouping form. One of the
his family** can be grouped
authorised signatory has to be
a partner

Consent of the authorized

signatories will be taken on
Director’s savings account &
Private Limited/ Public Limited grouping form. One of the
his family** can be grouped
authorized signatories should
be a director

Karta's & co-parceners Consent of the authorized

HUF savings account can be signatories will be taken on
grouped with their consent grouping form

Consent of the authorized

Individual’s savings account &
One Person Company signatories will be taken on
his family** can be grouped
grouping form

CA constitution
Eligibility for current accounts Consent grid
(Primary ID)

1. Current accounts having Constitution wise consent grid

same PAN can be grouped will apply as mentioned
above.
2. Current accounts having
common directors can be
grouped
Any constitution 3. Current accounts of the
subsidiary & group companies
can be grouped

4. Current accounts of the

family members can be
grouped

*Listed companies are excluded for grouping purpose

**Family includes Spouse, Parents, Children, Siblings (Brother, Sister), Grand parents
(Grand father, Grand mother), Grand children – (Grand daughter, Grand son), In-laws –
(Father-in-law, mother-in-law), brother-in-law, sister-in-law, son-in-law and daughter-
in-law. The family will be added in the group basis customer’s declaration in the form as
relationship with Primary ID. No additional checks will be performed at operations end.

Annexure 3

Common Service Charges

Common ICICI Bank savings account facilities for all products except for Wealth
Management / ICICI Bank Private Banking and unless specified product-wise
Service Charges
Statement Free Quarterly Statement
Free monthly e-mail statement on request
Passbook facility available at base branch
View and download statement facility available on the website

Issue of Duplicate Rs.100 per statement at branch or Customer Care (non-IVR), Rs.
Statement 50 per statement through Customer Care (IVR), ATM and Net
banking
Issue of pass book Nil
Issue of duplicate Rs 100 for issuance and Rs 25 per page for Updation
pass book
DD / PO – Issue Rs.50 per D.D/PO up to Rs.10,000;Rs.5 per thousand rupees or
Issue by deposit of part thereof for DD/PO of more than Rs.10,000, subject to a
cash/cheque/transfe minimum of Rs.75 and maximum of Rs. 15,000
r For Senior Citizen, Student & Rural locations : For amounts up to
Rs.10,000– Rs.40, For amounts above Rs.10,000 till Rs.50,000 –
Rs.60, For amounts above Rs.50,000– Rs.5 per thousand rupees
or part thereof (maximum of Rs.15,000)
DD / PO - Rs.100 per instance
Cancellation /
Duplicate /
Revalidation
(With effect from 1st
May 2024)
NEFT Charges - Through Online Channel – Nil
Outward Through Branch Channel -
Up to Rs 10,000 – Rs 2.25 per transaction
Rs 10,001 to Rs 1 lakh – Rs 4.75 per transaction
Above Rs 1 lakh to Rs 2 lakh – Rs 14.75 per transaction
Above Rs 2 lakh and up to Rs 10 lakh – Rs 24.75 per transaction

NEFT Charges - Nil

Inward
RTGS - Outward Through Online Channel – Nil
Through Branch Channel –
Rs 2 lakh to Rs 5 lakh – Rs 20 per transaction
Above Rs 5 lakh - Rs 45 per transaction

RTGS - Inward Nil

IMPS – Outward Amount up to Rs 1 thousand - Rs 2.50 per transaction
(With effect from 1st Amount above Rs 1 thousand to Rs 25 thousand - Rs 5 per
May 2024) transaction
Amount above Rs 25 thousand to Rs 5 lakhs - Rs 15 per
transaction
IMPS - Inward Nil
UPI transaction Nil
charges
Inter-branch funds Nil
transfer charges
Bill Pay Charges Nil
Charges for Nil
certifying or verifying
customer ECS
mandates
Cheque Collection Nil
Local
Cheque Collection Nil
Outstation
Account closure Nil
(With effect from 1st
May 2024)
Debit Card
Debit Card Issuing Nil
Fee
Enrolment fee For Titanium Debit Card Joining Fee is Nil
Annual fee is Rs. 200
For Gramin locations - Rs.99
Late Payment N.A.
Charges
Replacement Card Rs. 200 per card
fees (Lost /
Damaged card)
ATM Balance Rs 25
Enquiry charges
from ATMs outside
India
Cross-currency 3.5% of transaction amount
mark-up charges on
foreign currency
transactions
Surcharge on Fuel Fuel Surcharge Waiver is applicable when both the below
purchases mentioned conditions are fulfilled
1. ICICI Debit card is used on ICICI Bank terminal (On-Us
transaction)
2. Transaction is done on select government petrol pumps.
Please note, the Acquirer/Fuel pump may levy surcharge at its
own discretion
Surcharge on 1.8% of bookings as per Visa regulations
railway bookings
Debit Card PIN re- Nil
generation Charges
(With effect from 1st
May 2024)
Debit Card de – Nil
hotlisting
(With effect from 1st
May 2024)
Balance Certificate Nil
(With effect from 1st
May 2024)
Interest Certificate Nil
(With effect from 1st
May 2024)
Retrieval of old Nil
transactional
documents /
Enquiries related to
old records
(With effect from 1st
May 2024)
Photo attestation Rs. 100 per application/letter
Signature Rs. 100 per application/letter
attestation
(With effect from 1st
May 2024)
Address Nil
confirmation
(With effect from 1st
May 2024)
Inoperative account Nil
Stop Payment Particular cheque - Rs.100
charges (Free through customer care IVR & Net banking)
(With effect from 1 st

May 2024)
Stop Payment For ECS is not present as customer is required to maintain
Charges - ECS requisite balances to honour the EMI txns
Lien marking and Nil
unmarking of
savings account
(With effect from 1st
May 2024)
Locker Rent Annual Locker rentals starting from
Semi - Metro
Location Rural Urban Urban Metro +
Small 1,200 2,000 3,000 3,500 4,000
Medium 2,500 5,000 6,000 7,500 9,000
Large 4,000 7,000 10,000 13,000 15,000
Extra
Large 10,000 15,000 16,000 20,000 22,000
• Rentals may vary between branches under same location
• Locker rentals vary based on locker size and branch
location
• Locker rent is charged annually and is collected in
advance
Reissue of Internet Nil
user id or password
(Branch or non IVR
Customer Care)
(With effect from 1st
May 2024)
Standing Nil
Instructions -
Setting-up-charge
(With effect from 1st
May 2024)
Address change Nil
request at branches
(With effect from 1st
May 2024)
ECS/NACH setup Nil
charges
National Automated Nil
Clearing House
(NACH) Mandate.
One time mandate
authorisation
charges (physical)
(With effect from 1st
May 2024)
Cash deposit Charges of Rs 50 per transaction, will be levied on cash
charges - Cash deposited in the Cash Acceptor/Recycler machines on bank
Acceptor/Recycler holidays and between 06:00 p.m. and 08:00 a.m. on working
machines days. The charges would be applicable if the cash deposit in the
Cash Acceptor/Recycler machines on bank holidays and
between 6 pm and 8 am on working days exceeds Rs 10,000 per
month either as a single transaction or multiple transactions
Above charges will not be applicable to Senior Citizens, Basic
Savings Bank Account, Jan Dhan Accounts, Accounts held by
incapacitated and visually impaired persons, Student Accounts
or any other Accounts identified by ICICI Bank

Penal Charges
ECS / NACH Debit Rs 500 per instance for financial reasons. Maximum recovery will
Returns be done for 3 instances per month for the same mandate
(With effect from 1st
May 2024)
Cheque return Rs 200 per instance for financial reasons
outward (cheque
deposited by
customer)
Cheque return Rs 500 per instance for financial reasons.
inward (cheque Rs.50 for non-financial reasons except for signature verification
issued by customer)
Decline of Rs. 25 per transaction
transaction at other
bank ATMs or point
of sale (POS) due to
insufficient balance
in the account
Standing Rs 200 per instance for financial reasons
Instructions
Rejection
Deliverable returned Any deliverable returned by courier due to consignee or address
by courier specific reasons (no such consignee/ consignee shifted and no
such address, etc.) – Rs 50 per instance
Deliverables Any deliverable not picked up (within the stipulated time) - Rs 50
destroyed at per instance
Branches

1. Locker rates vary for different branches, hence customers are requested to get in
touch with respective branch.
2. Taxes at prevailing rates as per Govt rules shall be applicable over and above the
mentioned charges. The charges indicated above are subject to periodic revision.
3. *With effect from April 1, 2015: In the event of non-maintenance of minimum
MAB, the bank will notify the customer by SMS/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, mobile number and address updated with the Bank at all times,
failing which, customer may not receive the notification(s).
4. Above schedule of charges is also applicable for accounts opened with Rs 500 or
Nil Monthly Average Balance (MAB) requirement. Charges for Non-maintenance of
Minimum Monthly Average Balance (NMMAB) will be 6% of the shortfall on the
required MAB.
5. Penal charges are applied to Cheque return transactions even if they are classified
as Basic Banking to instil financial discipline.