Untitled Document
ICICI Bank
 
Interest Rates
Deposit Accounts
NATURE RATE OF INTEREST MINIMUM BALANCE*
  NORMAL SENIOR CITIZEN Metro Urban Semi Urban Rural
ACCOUNT            
1. Savings Bank A/c
A. Domestic            
a. With cheque
book facility		 3.5% p.a 3.5% p.a Rs.10,000 Rs.10,000 Rs.5,000 Rs.5,000
b. Without cheque
book facility		 3.5% p.a 3.5% p.a Not available Not available Not available Not available
c. No Frills
Account		 3.5% p.a 3.5% p.a Zero Zero Zero Zero
B. Non Resident (Savings account)            
a. NRO 3.5 3.5 15000 15000 15000 5000
b. NRE 3.5 3.5 15000 15000 15000 5000
 
2. Term Deposits
A. Domestic * Rate of Interest * *
Term Deposits (All Maturities) Less than Rs.15 Lakhs (w.e.f October 12, 2009) For Deposits Rs.15 Lakhs and above but less than Rs.1.Crore (w.e.f October 30, 2009)
7-14 days N.A 2.00
15-29 days 2.75 2.00
30-45 days 2.75 2.75
46-60 days 3.50 3.00
61-90 days 3.50 3.00
91 days to 120 days 5.25 3.00
121 days to 180 days 5.25 3.25
181 days to 189 days 6.00 4.75
190 days 6.00 4.75
191 days to 210 days 6.00 4.75
211 days to 269 days 6.00 5.25
270 days to less than 1 year 6.00 5.75
1 year to 389 days 6.25 6.25
390 days 6.50 6.50
391 days to 589 days 6.25 6.25
590 days 6.25 6.25
591 days to less than 2 years 6.25 6.25
2 years to 789 days 7.00 7.00
790 days 7.00 7.00
791days to 989 days 7.00 7.00
990 days 7.25 7.25
991 days to less than 3 years 7.00 7.00
3 years to less than 4 years 7.50 7.50
4 years to less than 5 years 7.50 7.50
5 years upto 10 years 7.75 7.75

**Penalty on Pre-mature withdrawal (All Categories) would be applicable as below:
Note: Rates for Deposits for Rs.10 mn and above will be advised by treasury from time to time. Recurring Deposit will not be available for tenure of 390 days, 590 days 790 days and 990 days.

Interest Rates for Senior Citizens :

1. Eligibility Criteria A person who has completed the age of 60 years may be treated as a senior citizen for getting the benefit under the special deposit scheme for senior citizens.
2. Verification of Age : Opening of New Account At the time of opening of a new deposit account of a senior citizen, the branch should satisfy about the age through verification of any of the following documents:-
1. Affidavit-cum-indemnity
2. PAN Card
3. Photo ID issued by PSUs to retired persons
4. Ration Card
5. Secondary School Leaving Certificate indicating date of Birth
6. LIC Policy
7. Voters Identity Card
8. Pension Payment Order
9. Birth Certificate issued by the competent authority
10. Passport

Interest Rates for Senior Citizens :
Term Deposits (All Maturities) Less than Rs.15 Lakhs (w.e.f October 12, 2009) For Deposits Rs.15 Lakhs and above but less than Rs.1.Crore (w.e.f October 30, 2009)
7-14 days N.A 2.50
15-29 days 3.25 2.50
30-45 days 3.25 3.25
46-60 days 4.00 3.50
61-90 days 4.00 3.50
91 days to 120 days 5.75 3.50
121 days to 180 days 5.75 3.75
181 days to 189 days 6.50 5.25
190 days 6.50 5.25
191 days to 210 days 6.50 5.25
211 days to 269 days 6.50 5.75
270 days to less than 1 year 6.50 6.25
1 year to 389 days 6.75 6.75
390 days 7.00 7.00
391 days to 589 days 6.75 6.75
590 days 6.75 6.75
591 days to less than 2 years 6.75 6.75
2 years to 789 days 7.50 7.50
790 days 7.50 7.50
791days to 989 days 7.50 7.50
990 days 7.75 7.75
991 days to less than 3 years 7.50 7.50
3 years to less than 4 years 8.00 8.00
4 years to less than 5 years 8.00 8.00
5 years upto 10 years 8.25 8.25
*Subject to revision without further notice.
Note: Rates for Deposits for Rs.10 mn and above will be advised by treasury from time to time. Recurring Deposit will not be available for tenure of 390 days, 590 days 790 days and 990 days.
Penalty on Pre-mature withdrawal (All Categories) would be applicable as below:
Original Tenure of Deposit Penal Rates*
Less than Rs.50.0 mn Rs.50.0 mn & above
Less than 1 year 0.50% 0.50%
1 year & above but less than 5 years 1.00% 1.00%
5 years 1.00% 1.50%
More than 5 years upto 5 years 3 months 1.00% 1.50%
More than 5 years 3 months upto 10 years 1.00% 1.50%
*Subject to revision without further notice.
Interest Rate for ICICI Bank Tax-Saver Fixed Deposit (Tenure – 5 Years)
* Applicable Rate of Interest on ICICI Bank Tax-Saver Fixed Deposit is 7.75% p.a. for General Category for Single Deposits of value upto Rs. 1 Lac.
* Applicable Rate of Interest on ICICI Bank Tax-Saver Fixed Deposit is 8.25% p.a. for Senior Citizens Category for Single Deposits of value upto Rs. 1 Lac.
Please note that Interest earned on the Fixed Deposit will be subject to Tax Deducted at Source as per Income Tax laws.
B. Non-Resident Accounts *  
a. NRO FD (All Maturities) Rate of Interest * *
Term Deposits (All Maturities) Less than Rs.15 Lakhs (w.e.f October 12, 2009)
 For Deposits Rs.15 Lakhs and above but less than Rs.1 Crore (w.e.f October 30, 2009)
7-14 days N.A. 2.00%
15-29 days 2.75% 2.00%
30-45 days 2.75% 2.75%
46-60 days 3.50% 3.00%
61-90 days 3.50% 3.00%
91 days to 120 days 5.25% 3.00%
121 days to 180 days 5.25% 3.25%
181 days to 189 days 6.00% 4.75%
190 days 6.00% 4.75%
191days to 210 days 6.00% 4.75%
211days to 269 days 6.00% 5.25%
270 days to less than 1 year 6.00% 5.75%
1 year to 389 days 6.25% 6.25%
390 days 6.50% 6.50%
391 days to 589 days 6.25% 6.25%
590 days 6.25% 6.25%
591 days & above to less than 2 years 6.25% 6.25%
2 years upto 789 days 7.00% 7.00%
790 days 7.00% 7.00%
791 days to 989 days 7.00% 7.00%
990 days 7.25% 7.25%
991days to less than 3 years 7.00% 7.00%
3 years to less than 4 years 7.50% 7.50%
4 years to less than 5 years 7.50% 7.50%
5 years upto 10 years 7.75% 7.75%
5 years (80C FD) 7.75% N.A.
*Subject to revision without further notice.
## Penalty on Pre-mature withdrawal (All Categories) would be applicable as below :
Original Tenure of Deposit Penal Rates ##
Less than Rs.50.0 mn Rs.50.0 mn & above
Less than 1 year 0.50% 0.50%
1 year & above but less than 5 years 1.00% 1.00%
5 years 1.00% 1.50%
More than 5 years upto 5 years 3 months 1.00% 1.50%
More than 5 years 3 months upto 10 years 1.00% 1.50%
     
NRE FD and FCNR(B) Interest Rates applicable from 01/11/2009
  1 year & above but < 2 years 2 years & above but < 3 years 3 years & above but < 4 years 4 years & above but < 5 years For 5 years (Maximum)
b. NRE FD 2.95 3.05 3.65 3.65 3.65
c. FCNR(B)          
i) USD 2.20 2.30 2.90 3.38 3.74
ii) GBP 2.17 2.95 3.60 4.03 4.30
iii) EUR 2.23 2.84 3.28 3.57 3.81
iv) CAD 2.45 2.48 3.10 3.53 3.84
v) AUD 6.47 6.34 6.65 6.90 6.99
CHARGES (Domestic Customers)
2. Credit Cards
  Signature Platinum Identity Amex Ascent Platinum / Titanium Gold/Silver Future card EMI card Insta Card Home card
Interest charges p.a. on extended credit and cash advances
 33% 33% 33% 37.8% 40.8% 40.8% 17.88% / 23.88% 23.88% 23.88%
Fee Based Services            
1. Lockers            
Type
of Locker		 Metro / Urban/ Semi Urban Rural
  1 yr. 2 yrs. 3 yrs. 1 yr. 2 yrs. 3 yrs.
 
Locker rates vary for different branches, hence customers are requested to get in touch with respective branch
       Cards
 
Type Joining Fee Annual Fee Finance Charges (Interest Charges) Cash Advance Charges Late Payment Charges

Corporate Card Gold Individual Liability

 Nil Nil 2.95% Monthly 2.5% Monthly 30% of Minimum Amount Due (subject to min of Rs 400 and maximum of Rs 600)
Corporate Card Silver Individual Liability Nil Nil 3.15% Monthly 2.5% Monthly 30% of Minimum Amount Due (subject to min of Rs 400 and maximum of Rs 600)
Corporate Card Platinum Individual Liability Nil Rs.999+ Service Tax 2.75% Monthly 2.5% Monthly 30% of Minimum Amount Due (subject to min of Rs 400 and maximum of Rs 600)
Corporate Card Gold Joint & Several or Sole Liability Nil Nil Nil 2.5% Monthly 3% of the overdue amount (subject to a minimum of Rs 400)
Corporate Card Silver Joint & Several or Sole Liability Nil Nil Nil 2.5% Monthly 3% of the overdue amount (subject to a minimum of Rs 400)
Corporate Card Platinum Joint & Several or Sole Liability Nil Rs.999+ Service Tax Nil 2.5% Monthly 3% of the overdue amount (subject to a minimum of Rs 400)
Purchase Card Joining Fee Nil Nil NA 3% of the overdue amount (subject to a minimum of Rs 400)
Corporate Card Gold Insurance Premium Rs.100 + Service Tax Nil Nil NA 3% of the overdue amount (subject to a minimum of Rs 400)
3. Debit Cards Annual Fees – Rs.99 per annum     
   
4. Drafts       
4a. Demand Drafts  
Issue Rs.50 per D.D. up to Rs.10,000;Rs.3 per thousand rupees or part thereof for DD of more than Rs.10,000, subject to a minimum of Rs.75 and maximum of Rs. 15,000
Issue - By deposit of cash Rs.4 per thousand rupees or part thereof, subject to a minimum of Rs.100 and maximum of Rs. 15000
Duplicate/Revalidation/Cancellation Rs.100 per DD
4b. Pay Order       
Issue Rs.75 for PO of up to Rs.10,000, For PO above Rs.10,000 Rs.2.50 per thousand rupees or part thereof, subject to a minimum of Rs.75 and maximum of Rs.15000
Issue - By deposit of cash Rs.150 per PO for amounts up to Rs.50,000, For PO above Rs. 50,000 Rs.4 per thousand rupees or part thereof, subject to a minimum of Rs.150 and maximum of Rs.15000
Duplicate/Revalidation/Cancellation Rs.100 per DD
5. Outstation cheque
collection		       
Through ICICI Bank Upto Rs.10,000 – Rs. 50 per instrument; Rs.10,001 to Rs. 1 lakh – Rs 100 per instrument; Above Rs.1 lakh - Rs. 150 per instrument
Through Non-ICICI banks Upto Rs.10,000 – Rs. 50 per instrument; Rs.10,001 to Rs. 1 lakh – Rs 100 per instrument; Above Rs.1 lakh - Rs. 150 per instrument
6. NEFT Money Transfer  
Inward Nil
Outward Through Branch: Upto Rs.1 lakh – Rs. 5 per transaction. Rs. 1 lakh and above – Rs. 25 per transaction.
Through Internet Banking : Rs 5 per transaction upto Rs 1 lakh. Above 1 lakh not allowed.
7. RTGS Money Transfer  
Inward Nil
Outward Rs. 1lakh to 5 lakh – Rs. 25 per transaction. Rs. 5 lakh and above – Rs. 50 per transaction.
8. Cheque return charges  
Local  
Inward Rs.350 for one cheque return per month; Thereafter, Rs.750 per return in the same month for financial reasons. Rs.50 for non-financial reasons except for signature verification
Transfer cheque returns will be charged at Rs 350/- per return for financial reasons.
Outward Rs.100 for every cheque return for financial reasons.
Outstation  
Inward Nil
Outward Rs.150 plus other bank charges at actuals per cheque.
9. Cheque Book Issue Nil for 30 payable-at-par cheque leaves in a quarter;Rs. 30 for every additional cheque book of 15 leaves
10. No Dues Certificate Nil
* This applies to regular savings accounts.For minimum balance requirement and productwise charges of different savings variants like Senior citizen, Privilege, Young star etc pls visit http://www.icicibank.com/pfsuser/webnews/rates&fees.htm
Service tax @ 10.30 % (as per Govt rules) W.e.f. 24-Feb-09 is applicable over and above charges indicated above. The charges indicated above are subject to periodic revision.
The charges displayed above are not applicable for NRI customers. For details on charges applicable to NRI customers, please click here
 
5% - 16.75%
Loans & Advances - Indicative lending rates updated on November 9th, 2009
Retail Loans
Tenure of credit facility Up to 35 months 36-60 months Processing fee
Type of credit facility Rate of interest
New Car Loan 10.00% to 13.50% 10.00% to 12.25%
Loan amount less than Rs. 2.50 lacs = Rs. 2,500
Rs. 2.50 to Rs. 5.00 lacs = Rs. 3,100
Rs. 5.00 to Rs.10.00 lacs = Rs. 4,000
More than Rs.10.00 lacs = Rs. 5,000
       
Type of credit facility Rate of interest Processing fee
Commercial Vehicle Loan
10.75% to 15.75%
 0.50% of the loan amount
Construction Equipment Loan
11.50% to 15.50%
 0.25% of the loan amount
       
Type of credit facility Rate of interest Processing fee
Personal Loan
14.00% to 18.00%
 Upto 2.0% of the loan amount plus service tax
       
Type of credit facility Credit limit (Rs.) Rate of interest (%) Fees Amount
Loans Against Securities Upto Rs.10 lacs
13.50
 Processing Fees (One time) Minimum Rs. 2000 & upto 1% of the loan amount
More than Rs. 10 lacs to Rs. 15 lacs
13.00
 Renewal Fees (p.a.) Rs 1,500
More than Rs. 15 lacs
12.50
Notes:-
Specific interest rate applicable to a customer would be dependent on segment, asset category and location.
Stamp duty charges shall be extra as applicable.
ICICI Bank reserves the right to revise the rate of interest and processing fee from time to time, at its sole discretion.