Verified Bank Tariff
ICICI Bank Limited Charges & Fees
Complete official Schedule of Charges for ICICI Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
How much is ICICI Bank Limited quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Verified Fee Categories for ICICI Bank Limited
ICICI Bank Limited
Cheque charges
Regular Savings Account — Opened on or before 31-Jul-2025 · Cheque
Outward financial — non-rural: ₹200.00 · Outward financial — rural: ₹175.00 · Inward financial — non-rural: ₹500.00 · Inward financial — rural: ₹475.00 · Inward non-financial except signature verification — non-rural: ₹50.00 · Inward non-financial except signature verification — rural: ₹40.00
Trigger Condition
Legacy Regular Savings current schedule.
Verified on 2026-08-09 · Effective: 2026-06-17
Savings Account — Opened from 01-Aug-2025 / Migrated · Cheque
Outward — financial reason: ₹200.00 · Inward — financial reason: ₹500.00 · Inward — non-financial reason except signature verification: ₹50.00
Trigger Condition
New/migrated Savings mainstream rates only. Rural-specific values are deliberately excluded from this VERIFIED rule pending resolution of a discrepancy between the current PDF visual rendering and text layer.
Verified on 2026-08-09 · Effective: 2026-06-17
Regular Savings Account — Opened on or before 31-Jul-2025 · General
First Cheque Book (20 leaves) per year: ₹0.00 · Additional Cheque Book (20 leaves): ₹50.00
Trigger Condition
ICICI Bank Regular Savings Account.
Verified on 2026-08-25 · Effective: 2025-08-01
ICICI Bank Limited
Minimum balance charges
Roaming Current Account Standard · General
Metro / Urban (Req MAB Rs10,000): ₹600.00 · Semi-Urban / Rural (Req MAB Rs5,000): ₹350.00
Trigger Condition
ICICI Bank Roaming Current Account Standard.
Verified on 2026-08-25 · Effective: 2025-08-01
Regular Savings Account — Opened on or before 31-Jul-2025 · General
6% of shortfall, max ₹500.00
Trigger Condition
Legacy Regular Savings; Metro/Urban required MAB Rs10,000. Minimum balance condition not applicable subject to standalone FD of minimum Rs50,000 under same customer ID as on month end.
Verified on 2026-08-09
Regular Savings Account — Opened on or before 31-Jul-2025 · General
6% of shortfall, max ₹500.00
Trigger Condition
Legacy Regular Savings; Semi-urban/Rural required MAB Rs5,000. Minimum balance condition not applicable subject to standalone FD of minimum Rs50,000 under same customer ID as on month end.
Verified on 2026-08-09
Savings Account — Opened from 01-Aug-2025 / Migrated · General
6% of shortfall, max ₹500.00
Trigger Condition
Accounts opened from 01-Aug-2025 / recently migrated; Metro and Urban required MAB Rs15,000. Source also gives programme/family criteria and non-programme FD waiver of Rs1 lakh with tenure 12 months or more.
Verified on 2026-08-09 · Effective: 2026-02-01
Savings Account — Opened from 01-Aug-2025 / Migrated · General
6% of shortfall, max ₹500.00
Trigger Condition
Accounts opened from 01-Aug-2025 / recently migrated; Rural required MAB Rs2,500. Non-programme FD alternative Rs50,000 with tenure 12 months or more; programme/family criteria also apply.
Verified on 2026-08-09 · Effective: 2026-02-01
Savings Account — Opened from 01-Aug-2025 / Migrated · General
6% of shortfall, max ₹500.00
Trigger Condition
Accounts opened from 01-Aug-2025 / recently migrated; Semi-urban required MAB Rs7,500. Non-programme FD alternative Rs50,000 with tenure 12 months or more; programme/family criteria also apply.
Verified on 2026-08-09 · Effective: 2026-02-01
ICICI Bank Limited
RTGS charges
Retail Banking Service Charges · Branch
Above Rs 2 lakh – Rs 5 lakh: ₹20.00 · Above Rs 5 lakh – Rs 10 lakh: ₹45.00
Trigger Condition
RTGS initiated at branch. Official live page lists the two amount bands and charges plus GST.
Verified on 2026-08-09
Retail Banking Service Charges · Mobile app
₹0 (Free)
Trigger Condition
RTGS initiated via ICICI iMobile app.
Verified on 2026-08-09
Retail Banking Service Charges · Net banking
₹0 (Free)
Trigger Condition
RTGS initiated via ICICI Internet Banking.
Verified on 2026-08-09
What ICICI Bank Limited prints on your statement
2 narrations decoded against ICICI Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
Disputing a Wrongful Charge at ICICI Bank Limited
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email ICICI Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to ICICI Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (ICICI Bank Limited)
What is the minimum balance (AMB) requirement in ICICI Bank Limited?
In ICICI Bank Limited, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for ICICI Bank Limited?
Debit card maintenance charges at ICICI Bank Limited are billed annually based on card variant plus 18% GST.
Can ICICI Bank Limited deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), ICICI Bank Limited is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by ICICI Bank Limited?
To dispute a wrongful deduction at ICICI Bank Limited: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to ICICI Bank Limited's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).