Family 360° Banking – Schedule of Charges

Current applicable charges till 30th June 2025 are as below. Please note, there is a revision of
charges for certain services effective 1st July 2025. Kindly refer to Annexure 5 for the updated
charges.
SAVINGS ACCOUNT SCHEDULE OF CHARGES
Threshold Relationship value Monthly average balance of Rs. 1 lakh
Or
Refer Annexure 1 for thresholds across Assets,
Liabilities & Investments
NMAB Charges Nil
Cash Transaction Charges Number Limit (Sum total of deposits and
Home Branch (Branch where withdrawals)
the account is opened or Rs 150 per transaction post 3 free cash transactions
ported) per month.
(Deposits and withdrawals Value Limit (Sum total of deposits and withdrawals)
across branches and deposits Rs 5 per Rs 1,000 post free limit of Rs 5 lakh per
in Cash Recycler Machines month or Rs 150, whichever is higher Limits are
considered.) inclusive of both Home and Nonhome branch
(With effect from 1st May transactions (Self and Third party)
2024)
ATM Interchange (Transactions 6 metro locations (Mumbai, New Delhi, Chennai,
at Non ICICI Bank ATMs) Kolkata, Bengaluru and Hyderabad): Rs 21 per
financial transaction & Rs 8.5 per non-financial
transaction post 3 transactions (inclusive of
financial and nonfinancial transactions).
Other than 6 metro locations: Rs 21 per financial
transaction and Rs 8.5 per nonfinancial 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 Nil
ATMs / Cash Recycler Machines
(cash withdrawals)
Issue of DD drawn on ICICI Nil
Bank by 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 2
• For Current Account Schedule Of Charges For Business 360° Banking, click here.

Annexure 1

Family 360° Banking Ǫualification criteria:

Banking Relationships Considered

Liabilities Savings A/c Current A/c TRV: Net Salary credited

monthly balance: monthly balance: 3 5L(SA+CA+TD) > 50k per month
1Lakh Lakh

Assets HL 50 Lakh /CV Secured Asset: 10 Unsecured Asset: CC Limit: 4 Lakh

Lakh 5 Lakh
25 Lakh /EL 10
Lakh

Investments Demat – 10 Lakh Monthly Forex

throughput -

$20K

Notes:

• Savings Account and Current Account balances will be taken as monthly average
balances. Fixed deposits balance will be considered as month end balance
• Individual Current Account holders, Proprietor current accounts, Partnership/LLP,
Private Limited/Public Limited, HUF and One Person Company will be considered for the
Current Account balances and fixed deposits linked to the current account
• Secured Loans include Auto Loan, Business Loan Group, Two Wheeler Loan, Kisan
Credit Card, Jewel Loan, Commercial Business Funding, FE & Inventory Funding, Kisan
Kalp Vriksha, and Rural Business Credit
• Unsecured Loans include Personal loans
• All Asset values are based on the disbursement value of the asset.
• Equity balances are considered in DEMAT relationship
• Customers are required to maintain threshold relationship values at least once for two
consecutive quarters
• No charges for non-maintenance of monthly average balance if the customer meets any
of the threshold relationship value
• The Customer can add immediate family members (up-to 9 members) to the program
• Family members can maintain cumulative Threshold Relationship value together as a
family
• The family will be added in the group basis customer’s declaration in the form as
relationship with Primary ID

Family Member account which can be linked are - Spouse, Parents, Children, Siblings (Brother,
Sister), Grand parents (Grand father, Grand mother), Grand children – (Grand daughter, Grand
son), In-laws – (Father-in-law, mother-inlaw), brother-in-law, sister-in-law, son-in-law and
daughter-in-law.

Annexure 2

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 pass Rs 100 for issuance and Rs 25 per page for Updation
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/transfer minimum of Rs.75 and maximum of Rs. 15,000
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 - Cancellation / Rs.100 per instance
Duplicate / Revalidation
(With effect from 1st
May 2024)
NEFT Charges - Outward Through Online Channel – Nil
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 - Inward Nil
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 charges Nil
Inter-branch funds Nil
transfer charges
Bill Pay Charges Nil
Charges for certifying or Nil
verifying customer ECS
mandates
Cheque Collection Local Nil
Cheque Collection Nil
Outstation
Account closure Nil
(With effect from 1st
May 2024)
Debit Card
Debit Card Issuing Fee Nil
Enrolment fee For Titanium Debit Card Joining Fee is Nil
Annual fee is Rs. 200
For Gramin locations - Rs.99
Late Payment Charges N.A.
Replacement Card fees Rs. 200 per card
(Lost / Damaged card)
ATM Balance Enquiry Rs 25
charges from ATMs
outside India
Cross-currency mark-up 3.5% of transaction amount
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 railway 1.8% of bookings as per Visa regulations
bookings
Debit Card PIN re- Nil
generation Charges
(With effect from 1st
May 2024)
Debit Card de – hotlisting Nil
(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 attestation Rs. 100 per application/letter
(With effect from 1st
May 2024)
Address confirmation Nil
(With effect from 1st
May 2024)
Inoperative account Nil
Stop Payment charges Particular cheque - Rs.100
(With effect from 1st (Free through customer care IVR & Net banking)
May 2024)
Stop Payment Charges - For ECS is not present as customer is required to maintain
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 -
Location Rural Urban Urban Metro 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 user Nil
id or password (Branch
or non IVR Customer
Care)
(With effect from 1st
May 2024)
Standing Instructions - Nil
Setting-up-charge
(With effect from 1st
May 2024)
Address change request Nil
at branches
(With effect from 1st
May 2024)
ECS/NACH setup charges Nil
National Automated Nil
Clearing House (NACH)
Mandate. One time
mandate authorisation
charges (physical)
(With effect from 1st
May 2024)
Cash deposit charges - Charges of Rs 50 per transaction, will be levied on cash deposited
Cash Acceptor/Recycler in the Cash Acceptor/Recycler machines on bank holidays and
machines 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
Above charges will not be applicable to Senior Citizens, Basic
Savings Bank Account, Jan Dhan Accounts, Accounts held by
incapacitated and visually impaired persons 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 outward Rs 200 per instance for financial reasons
(cheque deposited by
customer)
Cheque return inward Rs 500 per instance for financial reasons.
(cheque issued by Rs.50 for non-financial reasons except for signature verification
customer)
Decline of transaction at Rs. 25 per transaction
other bank ATMs or point
of sale (POS) due to
insufficient balance in the
account
Standing Instructions Rs 200 per instance for financial reasons
Rejection
Deliverable returned by Any deliverable returned by courier due to consignee or address
courier 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 stipulated time) - Rs 50
Branches per instance

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. Penal charges are applied to Cheque return transactions even if they are classified as
Basic Banking to instil financial discipline.

Annexure 3

SA (Primary ID) Eligibility for current accounts Consent for Currentaccount

SA Primary ID of thegroup Individual/ Sole Proprietor – Consent of the authorized

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

SA Primary ID of thegroup Private Company/ Public Consent of the authorized

Company* – Current account signatories will be taken on
can be grouped under any of grouping form. One ofthe
the director Primary ID authorized signatorieshas to
be a director.

*Listed companies are excluded for grouping purpose

Annexure 4

CA constitution
Eligibility for savings accounts Consent Grid
(PrimaryID)
Individual/ sole proprietor Individual’s/ sole proprietor’s Consent of the authorized
savings account & his family** signatories will be taken
can be grouped on grouping form
Partnership/ LLP Partner’s savings account & his Consent of the authorized
family** can be grouped signatories will be taken
on grouping form. One of
the authorised signatory
has to be a partner
Private Limited/ Public Director’s savings account & Consent of the authorized
Limited his family** can be grouped signatories will be taken
on grouping form. One of
the authorized signatories
should be a director
HUF Karta's & co-parceners savings Consent of the authorized
account can be grouped with signatories will be taken
their consent on grouping form
One Person Company Individual’s savings account & Consent of the authorized
his family** can be grouped signatories will be taken
on grouping form
CA constitution Eligibility for current Consent grid
(Primary ID) accounts
Any constitution 1. Current accounts Constitution wise consent
having same PAN can grid will apply as
begrouped mentioned above.
2. Current accounts
having common
directors canbe
grouped
3. Current accounts of the
subsidiary & group
companiescan 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 5
The following charges are applicable for the mentioned services with effect from 1st July
2025.

Service charges Revised charge

6 metro locations (Mumbai, New Delhi, Chennai, Kolkata,
Bengaluru and Hyderabad): Rs 23 per financial transaction & Rs
8.5 per non-financial transaction, post 3 transactions (inclusive
of financial and non-financial transactions).

ATM Interchange Other than 6 metro locations: Rs 23 per financial transaction and
(Transactions at Non Rs 8.5 per non-financial transaction, post 5 transactions
ICICI Bank ATMs) (inclusive of financial and non-financial transactions).
(With effect from 1st Maximum of 5 transactions free in a month, across locations,
July 2025) 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
Rs 25/transaction

NIL for senior citizens

Amount up to Rs 1,000 - Rs 2.50/- per transaction
IMPS Outward
Amount above Rs 1,000 to Rs 1,00,000 - Rs 5/- per transaction
(With effect from 1st
Amount above Rs 1,00,000 to Rs 5,00,000- Rs 15/- per
July 2025)
transaction
Cash Deposits at Branches and Cash Recycler Machines
1) Number Limit - Complimentary 3 cash transaction per month,
thereafter Rs 150 per transaction
2) Value Limit - Complimentary up to Rs. 1 lakh per month.
Thereafter, Rs 3.5 per Rs 1,000 or Rs 150 whichever is higher.

Cash Transaction If the threshold of both number and value limit has been crossed
Charges for the same transaction, higher of the charges mentioned above
(With effect from 1st pertaining to number limit or value limit will apply.
July 2025)
Third party cash transactions limit of Rs.25,000 per transaction
applicable for Regular Savings Accounts.

Applicable for all branches

Cash Withdrawal at Branches

 1) Number Limit - Complimentary 3 cash transaction per month,
thereafter Rs 150 per transaction
2) Value Limit - Complimentary up to Rs. 1 lakh per month.
Thereafter, Rs 3.5 per Rs 1,000 or Rs 150, whichever is higher.

If the threshold of both number and value limit has been crossed
for the same transaction, higher of the charges mentioned above
pertaining to number limit or value limit will apply.

Third party cash transactions limit of Rs.25,000 per transaction

applicable for Regular Savings Accounts.
Replacement Card fees
(Lost / Damaged card)
Rs. 300 per card
(With effect from 1st
July 2025)