Eligibility Criteria and Service Charges
Eligibility for NRI accounts opened on or after 4th Aug 2025
| Particulars | Savings Account | Select Programme | Premium Programme | Private Banking Programme |
|---|---|---|---|---|
| Eligibility/Programme Threshold | - | Maintain Deposits* + Account Balance of ₹ 5 Lac OR Deposits* + Account Balance + Mutual funds AUM^ + Demat holdings of ₹ 50 Lac | Maintain Deposits* + Account Balance of ₹ 25 Lac OR Deposits* + Account Balance + Mutual funds AUM^ + Demat holdings of ₹ 1Cr | Maintain Deposits* + Account Balance of ₹ 50 Lac or Deposits* + Account Balance + Mutual Funds AUM^ + Demat holdings of ₹ 5 Cr |
| Minimum monthly average balance (MAB) (MAB is the simple average of day-end balances for a calendar month) | ₹15,000 at Customer ID Level# | ₹15,000 at Customer ID Level# | ₹15,000 at Customer ID Level# | ₹15,000 at Customer ID Level# |
*Deposits include Fixed Deposits/Recurring Deposits
^AUM- Mutual Funds Assets under Management
#Customer ID includes all your savings account cumulative balances (except Fixed deposits/Recurring deposits)
Service charges for NRI accounts opened on or after 4th Aug 2025
| Particulars | NRI Savings/Select/Premium/Private Banking | ||||
|---|---|---|---|---|---|
| Debit Card/ATM | |||||
| Annual Debit Card Fee for First Account Holder/ Joint Account Holder | ₹ 300 | ||||
| Replacement Card fees (Lost / Damaged card) | Replacement card fees ₹ 300 plus ₹ 750 levied for courier charges if international address | ||||
| Debit Card PIN re-generation Charges | NIL | ||||
| Debit Card de - hotlisting | NIL | ||||
| ATM Interchange (Transactions at Non ICICI Bank ATMs) | 6 metro locations (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad): ₹ 23 per financial transaction & ₹ 8.5 per non-financial transaction, post 3 transactions (inclusive of financial and non-financial transactions).
Other than 6 metro locations: ₹ 23 per financial transaction and ₹ 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.
ATM withdrawal at other bank (outside India)- ₹ 125/transaction+3.5% currency conversion charge. Non-financial ₹ 25/transaction |
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| Transactions at ICICI Bank ATMs in India | ₹ 23 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 : ₹ 125/transaction+3.5% currency conversion charge. Non financial : ₹ 25/transaction |
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| For purchase and ATM transactions outside India at all VISA enabled POS and ATM Machines (Forex conversion charges) | Conversion charge of 3.5% | ||||
| Lockers | |||||
| Lockers (Customers are entitled for discount only for the first year) | 1. NRI Premium customers 50% discount on annual fee 2. NRI Private Banking 55% discount on annual fee |
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| Cheques | |||||
| Issue of Cheque Book | NIL charges for issuance of cheque leaves in a year however ₹ 750 levied for international courier charges. | ||||
| Collection of Outstation cheques | NIL | ||||
| Stop Payment charges | NIL | ||||
| NEFT/RTGS/IMPS | |||||
| NEFT - Outward | Through Online Channel – NIL Through Branch Channel - Up to ₹ 10,000 – ₹ 2.25 per transaction ₹ 10,001 to ₹ 1 lakh – ₹ 4.75 per transaction Above ₹ 1 lakh to ₹ 2 lakh – ₹ 14.75 per transaction Above ₹ 2 lakh and up to ₹ 10 lakh – ₹ 24.75 per transaction |
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| RTGS - Outward | Through online Channel - NIL Through Branch Channel - ₹ 2 lakh to ₹ 5 lakh – ₹ 20 per transaction ₹ 5 lakh and above – ₹ 45 per transaction |
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| IMPS - Outward | NIL | ||||
| DD/PO | |||||
| DD/PO - Issue by deposit of cash/cheque/transfer | ₹ 2/1000; Subject to a minimum of ₹ 50 and maximum of ₹ 15,000 | ||||
| DD/PO - Cancellation / Duplicate / Revalidation | NIL | ||||
| NACH | |||||
| National Automated Clearing House (NACH) Mandate. One time mandate authorisation charges (physical) | NIL | ||||
| Standing Instructions | |||||
| Standing Instructions – Setting up | NIL | ||||
| Statements | |||||
| Issue of Duplicate Statement | ₹ 100 for each month’s statement printed at Branch / Phone Banking; Nil at ATM/ iMobile / Internet Banking | ||||
| Cash Transactions | |||||
| Cash deposit charges - Cash Acceptor/Recycler machines | ₹ 50 per transaction during non-working hours, i.e. 6pm to 8am and holidays. These charges are applicable over and above the cash transactions charges | ||||
| Cash Transaction Charges (Cumulative of Deposit and Withdrawal) | Cash Deposits at Branches and Cash Recycler Machines 1) Number Limit - Complimentary 3 cash transaction per month, thereafter ₹ 150 per transaction
2) Value Limit - Complimentary up to ₹ 1 lakh per month. Thereafter, ₹ 3.5 per ₹ 1,000 or ₹ 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 ₹ 25,000 per transaction applicable for NRI Savings Accounts. Encourage digital adoption, alignment with cost structure
Applicable for all branches Cash Withdrawal at Branches 1) Number Limit - Complimentary 3 cash transaction per month, thereafter ₹ 150 per transaction
2) Value Limit - Complimentary up to ₹ 1 lakh per month. Thereafter, ₹ 3.5 per ₹ 1,000 or ₹ 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 ₹ 25,000 per transaction |
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| Miscellaneous Charges | |||||
| Balance Certificate | NIL | ||||
| Interest Certificate | NIL | ||||
| Account closure | NIL | ||||
| Retrieval of old transactional documents / Enquiries related to old records | NIL | ||||
| Photo attestation | NIL | ||||
| Signature attestation | NIL | ||||
| Address confirmation | NIL | ||||
| Lien marking and unmarking of savings account | NIL | ||||
| Issue of duplicate pass book | NIL | ||||
| Address change request at branches | NIL | ||||
| Value added SMS alert facility | NIL | ||||
| Reissue of Internet user id or password (Branch or non IVR Customer Care) | NIL | ||||
Penal Charges
| Particulars | NRI Savings/Select/Premium/Private Banking |
|---|---|
| Non-Maintenance of minimum Monthly average balance (NMAB) | 6% of Shortfall up to ₹ 500 |
| Decline of transaction at any ATM or point of sale (POS) due to insufficient balance in the account | ₹ 25 per transaction |
| Cheque Return Outward (cheque deposited by customer) | ₹ 200 for every cheque return for financial reasons |
| Cheque Return Inward (cheque issued by customer) | ₹ 500 per instance for financial reasons. ₹ 50 per instance for non-financial reasons except for signature verification |
| ECS Debit Returns | ₹ 500 per instance for financial reasons. Maximum recovery will be done for 3 instances per month for the same mandate. |
| Standing Instructions Rejection | NIL |
| Deliverable returned by courier | NIL |
| Deliverables destroyed at branches | NIL |
| Portfolio Investment Scheme (PIS) | ||
|---|---|---|
| Sr. No | Fee Head | Fees* |
| 1 | PIS approval Issuance/NRO Ledger Creation | ₹ 1,000 (One-time fee) |
| 2 | Annual Account Maintenance Fee | ₹ 1,000 |
| 3 | Transaction & Reporting Fee | ₹ 100 (per contract note) |
| 4 | 15CA/CB Certificate Issuance of Long Term/Short Term Capital Gains | ₹ 200 (per certificate) |
| *Plus GST applicable on all the above charges. | ||
Note:
→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).
→GST and other applicable taxes will be levied on all mentioned charges.
NRI Discontinued products
- NRI Premia/Seafarer Premia/Virtu Premia
- NRI Pro/Seafarer Pro/Virtu Pro
- NRI Regular/Seafarer Regular/Virtu Regular
- NRI Sparsh Account
- Terms and Conditions