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Eligibility

 

Particulars NRI Sparsh Account~~ NRI Regular/Seafarer Regular/Virtu Regular NRI Pro/Seafarer Pro/Virtu Pro NRI Premia/Seafarer Premia/Virtu Premia
Minimum Monthly average balance# (MAB) INR 2,50,000 at CASA level on Quarterly basis INR 10,000 (Each Account) Or INR 25,000 CASA+FD

For Pro Program (w.e.f Nov'22) : INR 2 Lacs in CASA accts

Or INR 5 Lacs in CASA + FD

 

Or INR 25 Lacs in CASA + FD + Loans* + Demat** + Credit card Spends***

or INR 50 Lacs in Home Loan~

For Premia Program (w.e.f Nov'22) : INR 5 Lacs in CASA accts

Or INR 25 Lacs in CASA + FD

 

Or INR 50 Lacs in CASA + FD + Loans* + Demat**+ Credit card Spends***

Or INR 100 Lacs in Home Loan~

#Minimum balance requirement:

##GST applicable


  1. Account level: Minimum average balance maintained in each Saving/Non-interest bearing account under same Customer ID
  2. CASA level: Cumulative minimum average balance in all Saving/Non-interest bearing accounts under same customer ID.
  3. Customer ID level: Monthly average balance in NRE Savings / Non interest bearing account + Monthly average balance in NRO Savings / Non interest bearing account + Month end balance in Fixed deposit/s and Recurring deposit/s within the same customer ID.
  4. ~~Account, CASA, Remittance and Customer ID level balance in Sparsh account need to be maintained on Quaterly basis.
  5. Charges mentioned under “NRI Premia” shall be applicable for Remittance Premia and Seafarer Premia accounts

Program Conditions (Pro & Premia)

*ICICI Disbursed value of Auto loans, Education Loans, Personal Loans, Loan against Securities, Loan on Mutual Funds, Business Loans.

**Only equity portfolio.

***Average spends of credit cards of last 12 months.

~ICICI Disbursed value of Home Loans.

Service Charges

Particulars Charges
NRI Sparsh Account NRI Regular/Seafarer Regular/Virtu Regular NRI Pro/Seafarer Pro/Virtu Pro NRI Premia/Seafarer Premia/Virtu Premia
Debit Card/ATM
Annual Debit Card Fee for First Account Holder/ Joint Account Holder SILVER : NIL SILVER : INR 299+GST SILVER : NIL SILVER : NIL
PLATINUM : NIL PLATINUM : INR 299+GST PLATINUM : NIL PLATINUM : NIL
WORLD : NIL WORLD : INR 399+GST WORLD : INR 399+ GST WORLD : NIL
Replacement Card fees (Lost / Damaged card) NIL NIL charges for replacement of card however INR 375 levied toward courier charges. NIL charges for replacement of card however INR 375 levied toward courier charges. NIL
Debit Card PIN re-generation Charges^ NIL NIL NIL NIL
Debit Card de - hotlisting ^ NIL NIL NIL NIL
ATM Interchange (Transactions at Non ICICI Bank ATMs) NIL

6 metro locations (Mumbai, New Delhi, 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 free in a month, across locations, with a cap of 3 transactions at 6 metro locations.

NIL NIL
Transactions at ICICI Bank ATMs in India

Rs 21 per financial transaction, post 5 transactions. All non-financial transactions are free.

(Financial transaction includes - Cash Withdrawal; Non Financial transactions include - Balance Inquiry, Mini statement & Pin change)

Rs 21 per financial transaction, post 5 transactions. All non-financial transactions are free.

(Financial transaction includes - Cash Withdrawal; Non Financial transactions include - Balance Inquiry, Mini statement & Pin change)

Rs 21 per financial transaction, post 5 transactions. All non-financial transactions are free.

(Financial transaction includes - Cash Withdrawal; Non Financial transactions include - Balance Inquiry, Mini statement & Pin change)

Rs 21 per financial transaction, post 5 transactions. All non-financial transactions are free.

(Financial transaction includes - Cash Withdrawal; Non Financial transactions include - Balance Inquiry, Mini statement & Pin change)

Transactions at overseas ATMs

Financial : Rs 125/transaction+3.5% currency conversion charge.

Non financial : Rs 25/transaction

Financial : Rs 125/transaction+3.5% currency conversion charge.

Non financial : Rs 25/transaction

Financial : Rs 125/transaction+3.5% currency conversion charge.

Non financial : Rs 25/transaction

Financial : Rs 125/transaction+3.5% currency conversion charge.

Non financial : Rs 25/transaction

For purchase and ATM transactions outside India at all VISA enabled POS and ATM Machines (Forex conversion charges) Conversion charge of 3.5% Conversion charge of 3.5% Conversion charge of 3.5% Conversion charge of 3.5%
Lockers
Lockers (Customers are entitled for discount only for the first year) 50% discount on annual fee Charges as applicable 40% discount on annual fee 50% discount on annual fee
Cheques
Issue of Cheque Book NIL

NIL charges for first time issuance of 25 cheque leaves in a year.

For reissuance Nil charges for cheque book however INR 375 levied for courier charges 

NIL charges for first time issuance of 25 cheque leaves in a year.

For reissuance Nil charges for cheque book however INR 375 levied for courier charges 

NIL
Collection of Outstation cheques NIL NIL NIL NIL
Stop Payment charges ^ NIL

Particular cheque - Rs.100 

(NIL through customer care IVR & Digital banking)

Particular cheque - Rs.100 

(NIL through customer care IVR & Digital banking)

NIL
NEFT/RTGS/IMPS
NEFT -  Outward NIL

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

NIL NIL
RTGS -  Outward NIL Through online channel - NIL
Rs. 2 lakh to Rs.5 lakh – Rs. 20 per transaction.
Rs. 5 lakh and above – Rs. 45 per transaction
NIL NIL
IMPS -  Outward ^ NIL Amount up to Rs 1,000 - Rs 2.50/- per transaction 
Amount above Rs 1,000 to Rs 25,000 - Rs 5/- per transaction 
Amount above Rs 25,000 to Rs 5,00,000 - Rs 15/- per transaction
NIL NIL
DD/PO
DD/PO - Issue by deposit of cash/cheque/transfer NIL Rs.50 per DD/PO up to Rs.10,000
Rs.5 per thousand rupees or part thereof for DD/PO of more than Rs.10,000, subject to a minimum of Rs.75 and maximum of Rs. 15,000
NIL NIL
DD/PO - Cancellation / Duplicate / Revalidation ^ Rs 100 per instance Rs 100 per instance Rs 100 per instance Rs 100 per instance
NACH
National Automated Clearing House (NACH) Mandate. One time mandate authorisation charges (physical) ^ NIL NIL NIL NIL
Standing Instructions
Standing Instructions – Setting up ^ NIL NIL NIL NIL
Statements
Issue of Duplicate Statement NIL INR 100 per statement at branch or Customer Care (non-IVR), INR 50 per statement through Customer Care (IVR), ATM & Net Banking NIL NIL
Cash Transactions
Cash deposit charges - Cash Acceptor/Recycler machines NIL Charges of Rs 50 per transaction, will be 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.

Nil for incapacitated and visually impaired persons.
NIL NIL
Cash Transaction Charges (Cumulative of Deposit and Withdrawal) ^ 1) Number Limit (Sum total of deposits and withdrawals) Rs 150 per transaction, post 5 free cash transactions per month
2) Value Limit (Sum total of deposits and withdrawals) Rs 5 per Rs 1,000, post free limit of Rs. 15 lacs, or Rs 150, whichever is higher.
(Not applicable for incapacitated and visually impaired customers)
1) Number Limit (Sum total of deposits and withdrawals) Rs 150 per transaction, post 3 free cash transactions per month
2) Value Limit (Sum total of deposits and withdrawals) Rs 5 per Rs 1,000, post free limit of Rs 1 lakh, per month or Rs 150, whichever is higher.
(Not applicable for incapacitated and visually impaired customers)
1) Number Limit (Sum total of deposits and withdrawals) Rs 150 per transaction, post 5 free cash transactions per month
2) Value Limit (Sum total of deposits and withdrawals) Rs 5 per Rs 1,000, post free limit of Rs. 15 lacs, or Rs 150, whichever is higher.
(Not applicable for incapacitated and visually impaired customers)
1) Number Limit (Sum total of deposits and withdrawals) Rs 150 per transaction, post 5 free cash transactions per month
2) Value Limit (Sum total of deposits and withdrawals) Rs 5 per Rs 1,000, post free limit of Rs. 15 lacs, or Rs 150, whichever is higher.
(Not applicable for incapacitated and visually impaired customers)
Miscellaneous Charges
Balance Certificate ^ NIL NIL NIL NIL
Interest Certificate ^ NIL NIL NIL NIL
Account closure ^ NIL NIL NIL NIL
Retrieval of old transactional documents / Enquiries related to old records ^ NIL NIL NIL NIL
Photo attestation INR 100 per application/letter INR 100 per application/letter INR 100 per application/letter INR 100 per application/letter
Signature attestation ^ Rs. 100 per application/letter Rs. 100 per application/letter Rs. 100 per application/letter Rs. 100 per application/letter
Address confirmation ^ NIL NIL NIL NIL
Lien marking and unmarking of savings account ^ NIL NIL NIL NIL
Issue of duplicate pass book NIL INR 100 for issuance and INR 25 per page for updating NIL NIL
Address change request at branches ^ NIL NIL NIL NIL
Value added SMS alert facility NIL NIL NIL NIL
Reissue of Internet user id or password (Branch or non IVR Customer Care) ^ NIL NIL NIL NIL

Penal Charges

Particulars NRI Sparsh Account~~ NRI Regular/Seafarer Regular/Virtu Regular NRI Pro/Seafarer Pro/Virtu Pro NRI Premia/Seafarer Premia/Virtu Premia Remittance Premia
Charges## for non maintenance of minimum Monthly average balance (NMMAB) 2% of shortfall in required MAB or 500 whichever is lower (with effect from 1st April, 2022) 6% of shortfall in required MAB or 500 whichever is lower (with effect from 1st April, 2022) 3% of shortfall in required MAB or 500 whichever is lower (with effect from 1st April, 2022)

PRO Family level MAB up to INR 10 Lacs - 3% of the shortfall in required NMAB or INR 500 whichever is lower
2% of the shortfall in required MAB or INR 500, whichever is lower

PREMIA Family level MAB up to INR 30 Lacs - 2% of the shortfall in required NMAB or INR 500 whichever is lower
2% of the shortfall in required MAB or INR 500, whichever is lower
Particulars Overdraft account
Penal charges for late payment of Overdraft against Fixed Deposits Penal Charges applicable for late payment will be 5%, which shall be charged on the overdue amount and/or overdrawn amount from the due date till the date of actual payment. Upon levy of such Penal Charges, the borrower shall pay the said Penal Charges along with the applicable Goods and Services Tax (GST).
Particulars Charges
NRI Sparsh Account NRI Regular/Seafarer Regular/Virtu Regular NRI Pro/Seafarer Pro/Virtu Pro NRI Premia/Seafarer Premia/Virtu Premia
Decline of transaction at any ATM or point of sale (POS) due to insufficient balance in the account  INR 25 per transaction INR 25 per transaction INR 25 per transaction INR 25 per transaction
Cheque Return Outward (cheque deposited by customer) INR 200 for every cheque return for financial reasons INR 200 for every cheque return for financial reasons INR 200 for every cheque return for financial reasons INR 200 for every cheque return for financial reasons
Cheque Return Inward (cheque issued by customer) INR 500 per instance for financial reasons. INR 50 per instance for non-financial reasons except for signature verification INR 500 per instance for financial reasons. INR 50 per instance for non-financial reasons except for signature verification INR 500 per instance for financial reasons. INR 50 per instance for non-financial reasons except for signature verification INR 500 per instance for financial reasons. INR 50 per instance for non-financial reasons except for signature verification
ECS Debit Returns ^  Rs 500 per instance for financial reasons. Maximum recovery will be done for 3 instances per month for the same mandate. Rs 500 per instance for financial reasons. Maximum recovery will be done for 3 instances per month for the same mandate. Rs 500 per instance for financial reasons. Maximum recovery will be done for 3 instances per month for the same mandate. Rs 500 per instance for financial reasons. Maximum recovery will be done for 3 instances per month for the same mandate.
Standing Instructions Rejection  Rs 200 per instance for financial reasons Rs 200 per instance for financial reasons Rs 200 per instance for financial reasons Rs 200 per instance for financial reasons
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.) – INR 50 per instance Any deliverable returned by courier due to consignee or address specific reasons (no such consignee/ consignee shifted and no such address, etc.) – INR 50 per instance Any deliverable returned by courier due to consignee or address specific reasons (no such consignee/ consignee shifted and no such address, etc.) – INR 50 per instance Any deliverable returned by courier due to consignee or address specific reasons (no such consignee/ consignee shifted and no such address, etc.) – INR 50 per instance
Deliverables destroyed at branches Any deliverable not picked up (within the stipulated time) - INR 50 per instance Any deliverable not picked up (within the stipulated time) - INR 50 per instance Any deliverable not picked up (within the stipulated time) - INR 50 per instance Any deliverable not picked up (within the stipulated time) - INR 50 per instance
Portfolio Investment Scheme (PIS)
Sr. No Fee Head Fees*
1 PIS approval Issuance/NRO Ledger Creation Rs 1,000 (One-time fee)
2 Annual Account Maintenance Fee Rs 1,000
3 Transaction & Reporting Fee Rs 100 (per contract note)
4 15CA/CB Certificate Issuance of Long Term/Short Term Capital Gains Rs 200 (per certificate)
*Plus GST applicable on all the above charges.

 

 

Note: 
^ Charges w.e.f. 1st May 2024

→Please note GST would be applicable on all transactions wherever currency conversion is involved w.e.f. July 1, 2017. All other charges, GST as applicable.

→ With effect from April 1, 2015: In the event of non-maintenance of minimum MAB, the bank will notify the customer by 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 and address updated with the Bank at all times, failing which, customer may not receive the notification(s).