10/27/2010 Fixed Deposits Interest | Fixed Deposit…

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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. Domes tic

a. With cheque
3.5% p.a 3.5% p.a Rs.10,000 Rs.10,000 Rs.5,000 Rs.5,000
book facility

b. Without cheque
3.5% p.a 3.5% p.a Not available Not available Not available Not available
book facility

c. No Frills
3.5% p.a 3.5% p.a Zero Zero Zero Zero
Account

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 (Fixed Deposit and Recurring Deposit)*

A. For Domestic Deposits Below Rs.15 Lacs

Rates of Interest (% p.a.) w.e.f Oct 06, 2010

Maturity Period General Senior Citizen **

7 days to 14 days 3.75 4.25

15 days to 29 days 3.75 4.25

30 days to 45 days 3.75 4.25

46 days to 60 days 3.75 4.25

61 days to 90 days 4.25 4.75

91 days to 120 days 5.75 6.25

121 days to 184 days 5.75 6.25

185 days to 210 days 6.25 6.75

211 days to 269 days 6.25 6.75

270 days to less than 1 year 6.50 7.00

1 year to 389 days 6.75 7.25

390 days 7.25 7.75

391 days to 589 days 6.75 7.25

590 days 7.50 8.00

591 days to less than 2 years 6.75 7.25

2 years to 789 days 7.50 8.00

790 days 7.75 8.25

791 days to 989 days 7.50 8.00

990 days 8.00 8.50

991 days to less than 3 years 7.50 8.00

3 years to less than 5 years 8.00 8.50

5 years upto 10 years 8.00 8.50

Tax Saver FD 80C (5 year) – Upto Rs. 1 lac 8.00 8.50

B. For Domestic Deposits of Rs.15 Lacs to less than Rs. 1 Crore

Rates of Interest (% p.a.) w.e.f Oct 06, 2010

Maturity Period General Senior Citizen **

7 days to 14 days 3.75 4.25

15 days to 29 days 3.75 4.25

30 days to 45 days 3.75 4.25

46 days to 60 days 3.75 4.25

61 days to 90 days 4.25 4.75

91 days to 120 days 5.25 5.75

121 days to 184 days 5.50 6.00

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185 days to 210 days 6.25 6.75

211 days to 269 days 6.25 6.75

270 days to less than 1 year 6.50 7.00

1 year to 389 days 6.75 7.25

390 days 7.25 7.75

391 days to 589 days 6.75 7.25

590 days 7.50 8.00

591 days to less than 2 years 6.75 7.25

2 years to 789 days 7.50 8.00

790 days 7.75 8.25

791 days to 989 days 7.50 8.00

990 days 8.00 8.50

991 days to less than 3 years 7.50 8.00

3 years to less than 5 years 8.00 8.50

5 years upto 10 years 8.00 8.50

*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 rates:

Rates of Interest (% p.a.) w.e.f Oct 06, 2010

Maturity Period General Senior Citizen **

6 months 5.75 6.25

9 months 6.50 7.00

12 months 6.75 7.25

15 months 6.75 7.25

18 months 6.75 7.25

21 months 6.75 7.25

24 months 7.50 8.00

27 months 7.50 8.00

30 months 7.50 8.00

33 months 7.50 8.00

3 years to less than 5 years 8.00 8.50

5 years upto 10 years 8.00 8.50

Note : Recurring Deposits will be available for a minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years.

Premature withdrawal of Deposit :

On pre-mature withdrawal of the Deposit, interest will be calculated at the rate applicable for the period the Deposit has actually remained with ICICI Bank.

Penalty on Delayed Installment :

Penalty is charged at monthly interest at the rate of Rs.12 per Rs.1000 for all delayed installments.
Fraction of a month will be treated as full month for the purpose of calculating such interest.
The total interest so chargeable shall be recovered from the total amount of interest payable at the time of maturity.

**Interest Rates for Senior Citizens :

A. 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.
B. Verification of Age : Cus tomers are requested to provide any of the below mentioned documents on completion of age 60 at nearest ICICI Bank Branch s o that any future term depos its
created under the same Customer id will enjoy the benefit Senior Citizen rates of interest :
1. Passport
2. PAN Card
3. Voters Identity Card
4. Senior Citizen Card issued by State / Central Government
5. Driving Licence iss ued by regional transport authority
6.Secondary School Leaving Certificate indicating date of Birth
7. Date of Birth Certificate
8. Life Insurance Policy
9. Pension Payment Order / Passbook / Card issued by State / Central Government of India
10. Photo ID issued by PSUs to retired persons

Penalty on Pre-mature withdrawal (All Categories) would be applicable as below:

Penal Rates*
Original Tenure of Deposit
Less than Rs.50.0 mn Rs.50.0 mn & above

Less than 1 year 0.50% 0.50%

1 year & above but les s than 5 years 1.00% 1.00%

5 years and above 1.00% 1.50%

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*Subject to revision without further notice.
Please note that Interes t 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 (Fixed Deposit and Recurring For Deposits Rs.15 Lakhs and above but less than Rs.1
Less than Rs.15 Lakhs (w.e.f Oct 06, 2010)
Deposit) All Maturities Crore (w.e.f Oct 06, 2010)

7-14 days 3.75 3.75

15-29 days 3.75 3.75

30-45 days 3.75 3.75

46-60 days 3.75 3.75

61-90 days 4.25 4.25

91 days to 120 days 5.75 5.25

121 days to 184 days 5.75 5.50

185 days to 210 days 6.25 6.25

211 days to 269 days 6.25 6.25

270 days to less than 1 year 6.50 6.50

1 year to 389 days 6.75 6.75

390 days 7.25 7.25

391 days to 589 days 6.75 6.75

590 days 7.50 7.50

591 days to less than 2 years 6.75 6.75

2 years to 789 days 7.50 7.50

790 days 7.75 7.75

791 days to 989 days 7.50 7.50

990 days 8.00 8.00

991 days to less than 3 years 7.50 7.50

3 years to less than 5 years 8.00 8.00

5 years upto 10 years 8.00 8.00

5 Years (80C FD) 8.00 NA

*Subject to revision without further notice.

## Penalty on Pre-mature withdrawal (All Categories) would be applicable as below :

Penal Rates ##
Original Tenure of Deposit
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 01/10/2010

1 year & above 2 years & above but < 3 years & above but 4 years & above but < 5
For 5 years Above 5 years upto 10 years
but < 2 years 3 years < 4 years years

b. NRE
2.53 2.35 2.61 2.61 2.61 2.61
FD

c.
FCNR(B)

i) USD 1.78 1.60 1.86 2.15 2.48 NA

ii) GBP 2.47 2.27 2.52 2.80 3.05 NA

iii) EUR 2.42 2.47 2.63 2.80 2.96 NA

iv) JPY 1.66 1.40 1.41 1.44 1.50 NA

v) CAD 2.92 2.53 2.67 2.86 3.03 NA

vi) AUD 6.61 6.22 6.27 6.44 6.49 NA

1) FCNR(B) deposits can be accepted for a minimum period of one year and maximum for a period of five years.

2) NRE fixed deposit can be accepted for a minimum period of one year and maximum for a period of ten years.

3) NA- Not Applicable

CHARGES (Domestic Customers)

2. Credit Cards

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Platinum / Home
Signature Platinum Identity Amex Ascent Gold/Silver Future card EMI card Insta Card
Titanium card
Interest charges p.a. on extended 17.88% /
33% 33% 33% 37.8% 40.8% 40.8% 23.88% 23.88%
credit and cas h advances 23.88%

Fee Bas ed Services

1. Lockers

Type
Metro / Urban/ Semi Urban Rural
of Locker

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

Finance Charges Cash Advance

Type Joining Fee Annual Fee Late Payment Charges
(Interest Charges) Charges

30% of Minimum Amount Due (subject to min of Rs 400

Nil Nil 2.95% Monthly 2.5% Monthly
Corporate Card Gold Individual Liability and maximum of Rs 600)

30% of Minimum Amount Due (subject to min of Rs 400

Corporate Card Silver Individual Liability Nil Nil 3.15% Monthly 2.5% Monthly
and maximum of Rs 600)

Corporate Card Platinum Individual Rs.999+ 30% of Minimum Amount Due (subject to min of Rs 400
Nil 2.75% Monthly 2.5% Monthly
Liability Service Tax and maximum of Rs 600)

Corporate Card Gold Joint & Several or 3% of the overdue amount (subject to a minimum of Rs
Nil Nil Nil 2.5% Monthly
Sole Liability 400)

Corporate Card Silver Joint & Several or 3% of the overdue amount (subject to a minimum of Rs
Nil Nil Nil 2.5% Monthly
Sole Liability 400)

Corporate Card Platinum Joint & Several Rs.999+ 3% of the overdue amount (subject to a minimum of Rs
Nil Nil 2.5% Monthly
or Sole Liability Service Tax 400)

3% of the overdue amount (subject to a minimum of Rs

Purchase Card Joining Fee Nil Nil NA
400)

Corporate Card Gold Insurance Rs.100 + 3% of the overdue amount (subject to a minimum of Rs
Nil Nil NA
Premium Service Tax 400)

3. Debit Cards Annual Fees – Rs.99 per annum

4. Drafts

4a. Demand Drafts

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
Issue
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

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
Issue
maximum of Rs.15000

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
Issue - By deposit of cash
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

Speed clearing charges Upto Rs 1 Lakh Nil; 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.

7. RTGS Money Transfer

Inward Nil

Outward Rs. 1lakh to 5 lakh – Rs. 25 per trans action. Rs. 5 lakh and above – Rs. 50 per transaction.

8. Cheque return charges

Local

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
Inward 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

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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

Loans & Advances - Indicative lending rates updated on May 11th, 2010

Retail Loans

Tenure of credit facility Up to 35 months 36months 37-60 months

Processing fee
Type of credit facility Rate of interest

Loan amount less than Rs. 2.50 lacs = Rs. 2,500

Rs. 2.50 to Rs. 5.00 lacs = Rs. 3,100

New Car Loans 9.50% to 13.00% 9.50% to 12.75% 9.50% to 13.00%
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

Loan amount up to Rs. 1.25 Lacs = Rs. 1,200

Rs. 1.25 to Rs. 2.50 Lacs = Rs. 2,000

Used Car Loans 15.50% to 17.00%
Rs. 2.50 to Rs.5.00 Lacs = Rs. 2,500

More than Rs. 5.00 Lacs = Rs. 3,000.

Type of credit facility Rate of interest Processing fee

Commercial Vehicle Loans 10.50% to 13.25% 0.50% of the loan amount

Construction Equipment Loans 10.00% to 12.50% 0.25% of the loan amount

Type of credit facility Rate of interest Processing fee

Personal Loans 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

Processing Fees (One Minimum Rs. 2000 & upto 1% of the

Upto Rs.10 lacs 13.50
time) loan amount

Loans Against Securities More than Rs. 10 lacs

13.00
to Rs. 15 lacs Renewal Fees (p.a.) Rs 1,500
More than Rs. 15 lacs 12.50

Notes:-

Specific interes t rate applicable to a customer would be dependent on segment, as set 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.

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