Verified Bank Tariff

ICICI Bank Limited Charges & Fees

Charges verified
19
19 checked rules · 10 fee categories · 4 account variants

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.

Figures are the bank’s own, before GST unless a rule says otherwise.Last verified
ICICI Bank Limited
Cheapest: RTGS freeCostliest: Locker rent up to ₹22,000

At a glance

ICICI Bank Limited’s own figures, before GST. Tap a figure for its source.

Verified Fee Categories for ICICI Bank Limited

ATM charges1 checked entry
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Savings Account — Opened from 01-Aug-2025 / Migrated · ATM

ICICI Bank ATM — Financial: ₹23.00 · ICICI Bank ATM — Non-financial: ₹0.00 · Non-ICICI Bank ATM — Financial: ₹23.00 · Non-ICICI Bank ATM — Non-financial: ₹8.50

Trigger Condition

New/migrated Savings Account. At ICICI ATMs, charges apply after 5 financial transactions and all non-financial transactions remain free. At non-ICICI ATMs, first 3 combined transactions are free in six metros and first 5 elsewhere, subject to a maximum 5 free across locations. Ordinary Regular Savings accounts opened from 01-Aug-2025 or recently migrated to the current products; excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account SOCs, and programme-specific benefits.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-09-17

Cheque charges3 checked entries
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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.

GST: Applicable (+18% GST added to base amount)
Official Source 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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-08-25 · Effective: 2025-08-01

Demand Draft charges1 checked entry
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Savings Account — Opened from 01-Aug-2025 / Migrated · Branch

Above ₹0.00: ₹2.00 per ₹1,000.00 (minimum ₹40.00, maximum ₹15,000.00)

Trigger Condition

New/migrated Savings Account (opened from 01-Aug-2025 or recently migrated), non-rural accounts; DD drawn on ICICI Bank issued by cheque/transfer. Rural accounts: same Rs2 per Rs1,000 with minimum Rs30 - not modelled in this rule. The source does not say 'or part thereof', so amounts that are not whole thousands may round differently at the branch. Excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account SOCs.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-09-24

ECS / NACH return charges1 checked entry
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Savings Account — Opened from 01-Aug-2025 / Migrated · General

₹500.00

Trigger Condition

New/migrated Savings Account; financial-reason return. Maximum recovery is three instances per month for the same mandate. Ordinary Regular Savings accounts opened from 01-Aug-2025 or recently migrated to the current products; excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account SOCs, and programme-specific benefits.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-09-17

IMPS charges1 checked entry
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Savings Account — Opened from 01-Aug-2025 / Migrated · General

₹0 (Free)

Trigger Condition

Savings Accounts opened from 01-Aug-2025 and recently migrated products covered by the current schedule; excluded account families remain excluded by the source. Ordinary Regular Savings accounts opened from 01-Aug-2025 or recently migrated to the current products; excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account SOCs, and programme-specific benefits.

GST: Does not apply (Zero tax)
Official Source Schedule

Verified on 2026-09-17

Locker charges1 checked entry
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Regular Savings Account — Opened on or before 31-Jul-2025 · Branch

Small — Rural: ₹1,200.00 · Small — Semi-Urban: ₹2,000.00 · Small — Urban: ₹3,000.00 · Small — Metro: ₹3,500.00 · Small — Metro+: ₹4,000.00 · Medium — Rural: ₹2,500.00 · Medium — Semi-Urban: ₹5,000.00 · Medium — Urban: ₹6,000.00 · Medium — Metro: ₹7,500.00 · Medium — Metro+: ₹9,000.00 · Large — Rural: ₹4,000.00 · Large — Semi-Urban: ₹7,000.00 · Large — Urban: ₹10,000.00 · Large — Metro: ₹13,000.00 · Large — Metro+: ₹15,000.00 · Extra Large — Rural: ₹10,000.00 · Extra Large — Semi-Urban: ₹15,000.00 · Extra Large — Urban: ₹16,000.00 · Extra Large — Metro: ₹20,000.00 · Extra Large — Metro+: ₹22,000.00

Trigger Condition

Legacy ICICI Regular Savings schedule. These are published starting rents; the source says rentals may vary between branches under the same location and are collected annually in advance.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-09-17

Minimum balance charges6 checked entries
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Roaming Current Account Standard · General

Metro / Urban (Req MAB Rs10,000) — MAB Shortfall: ₹600.00 · Semi-Urban / Rural (Req MAB Rs5,000) — MAB Shortfall: ₹350.00

Trigger Condition

ICICI Bank Roaming Current Account Standard.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-08-09 · Effective: 2026-02-01

NEFT charges1 checked entry
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Savings Account — Opened from 01-Aug-2025 / Migrated · General

Online — Any amount: ₹0.00 · Rural branch — Any amount: ₹0.00 · Non-rural branch — Up to Rs10,000: ₹2.25 · Non-rural branch — Above Rs10,000 up to Rs1 lakh: ₹4.75 · Non-rural branch — Above Rs1 lakh up to Rs2 lakh: ₹14.75 · Non-rural branch — Above Rs2 lakh up to Rs10 lakh: ₹24.75

Trigger Condition

New/migrated Savings Account outward NEFT. The source explicitly marks rural accounts Nil for the branch schedule. Ordinary Regular Savings accounts opened from 01-Aug-2025 or recently migrated to the current products; excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account SOCs, and programme-specific benefits.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-09-17 · Effective: 2026-05-22

RTGS charges3 checked entries
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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.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-08-09

Retail Banking Service Charges · Mobile app

₹0 (Free)

Trigger Condition

RTGS initiated via ICICI iMobile app.

GST: Does not apply (Zero tax)
Official Source Schedule

Verified on 2026-08-09

Retail Banking Service Charges · Net banking

₹0 (Free)

Trigger Condition

RTGS initiated via ICICI Internet Banking.

GST: Does not apply (Zero tax)
Official Source Schedule

Verified on 2026-08-09

SMS alert charges1 checked entry
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Savings Account — Opened from 01-Aug-2025 / Migrated · Other

₹0.15

Trigger Condition

ICICI Bank new/migrated savings accounts (opened from 01-Aug-2025 or recently migrated) under the savings-account schedule. 15 paise per SMS with an upper limit of Rs 100 per quarter; the per-SMS figure is stored and the quarterly ceiling is recorded here. Excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account schedules. GST is additional per the document footer.

GST: Applicable (+18% GST added to base amount)
Official Source Schedule

Verified on 2026-09-26

What ICICI Bank Limited prints on your statementStatement narrations · 2 decoded

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.

CHQ BOOK CHG

A charge for cheque leaves issued beyond the free allowance for the year.

RTGS CHG

A charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.

Annual Account Leakage AuditHow much is ICICI Bank Limited quietly deducting every year?
Annual Account Leakage Audit

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.

Audit My ICICI Bank Limited Fees
Official ICICI Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Official Tariffs: View ICICI Bank Limited’s official Schedule of Charges PDF · Visit Official Website
Disputing a Wrongful Charge at ICICI Bank LimitedDispute & Refund Assistance · RBI three-level route

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.

LEVEL 1

Branch / Helpdesk Ticket

Email ICICI Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.

LEVEL 2

Principal Nodal Officer

If unresolved within 7 days, escalate to ICICI Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.

LEVEL 3

RBI Banking Ombudsman

Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.

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Frequently Asked Questions (ICICI Bank Limited)4 questions

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).