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    2.3 Computation of Demand and Time Liabilities

    Liabilities of a bank may be in the form of demand or time deposits or borrowings or other miscellaneousitems of liabilities. Liabilities of the banks may be towards banking system (as defined under Section 42 ofRBI Act, 1934) or towards others in the form of Demand and Time deposits or borrowings or othermiscellaneous items of liabilities. Reserve Bank of India has been authorized in terms of Section 42 (1C)

    of the RBI. Act, 1934 to classify any particular liability and hence for any doubt regarding classification ofa particular liability, the banks are advised to approach RBI for necessary clarification.

    2.3.1 Demand Liabilities

    'Demand Liabilities' include all liabilities which are payable on demand and they include current deposits,demand liabilities portion of savings bank deposits, margins held against letters of credit/guarantees,balances in overdue fixed deposits, cash certificates and cumulative/recurring deposits, outstandingTelegraphic Transfers (TTs), Mail Transfer (MTs), Demand Drafts (DDs), unclaimed deposits, creditbalances in the Cash Credit account and deposits held as security for advances which are payable ondemand. Money at Call and Short Notice from outside the Banking System should be shown againstliability to others.

    Savings Account

    Available to All Cities

    Eligibility Resident Indian, >18yrs

    Minimum monthly average balance (MAB)

    Metro and Urban locations - Rs.10,000,

    Semi-urban locations - Rs.5,000,

    Rural locations - Rs.2,000

    Charges for non maintenance of minimum

    monthly average balance

    Metro / Urban locations

    MAB between Rs. 5,000 to Rs. 10,000 Rs. 250 per

    month.

    MAB - Less than Rs. 5,000 Rs. 350 per month.

    Semi Urban locations

    MAB between Rs. 2,500 to Rs. 5,000 Rs. 250 per

    month.

    MAB - Less than Rs. 2,500 Rs. 350 per month.

    Rural locations -MAB between Rs. 1,000 to Rs. 2,000 Rs. 250 per

    month.

    MAB - Less than Rs. 1,000 Rs. 350 per month.

    Cash transactions at base branch (branches in

    same city)

    Nil for the first 4 transactions of a month; Thereafter in the

    month, Rs. 90 per transaction.

    Anywhere Cash Withdrawals by customer or Nil for the first cash withdrawal of a calendar month;

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    customers representative to the debit of the

    customers own savings Account at a non-base

    branch i.e. branch in other city

    Thereafter in the month, Rs.5 per thousand rupees or part

    thereof, subject to a minimum of Rs.150

    (Maximum withdrawal limit

    Self: Rs.50,000 per day, Third party: Rs.15,000 per day)

    Anywhere Cash deposit by customer or

    customers representative to the credit of the

    customers own savings Account at a non-base

    branch i.e. branch in other city

    Nil for the first cash deposit of a calendar month;

    Thereafter in the month, Rs.5 per thousand rupees or part

    thereof, subject to a minimum of Rs.150

    (Maximum deposit limit Rs.50,000 per day)

    ATM Interchange (Transactions at Non ICICI Bank

    ATMs)

    Nil for the first five transactions (inclusive of financial and

    non-financial transactions) in the month.

    Thereafter, Rs.20 (inclusive of service tax) per cash

    withdrawal (financial) and Rs. 8.50 (exclusive of service

    tax) per balance inquiry, PIN change and mini statement

    (non-financial) transactions.

    Transactions at ICICI Bank ATMs Free

    Issue of DD drawn on ICICI Bank by

    cheque/transfer

    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

    Statement

    Free Quarterly Statement sent by post

    Free monthly e-mail statement on request

    Free monthly statement to be collected from branch

    Debit Card Fees for first Account Holder Rs.99 p.a.

    Debit Card Fees for joint Account Holder Rs.99 p.a.

    Debit Card Cash withdrawal limit Daily spending/withdrawal limit: 25,000/25,000

    Cheque BooksNil for 30 payable-at-par cheque leaves in a quarter;

    Rs. 30 for every additional cheque book of 15 leaves

    Charges for Multicity cheque payment Nil.

    Outstation cheque collection through ICICI bank

    branch locations

    Upto Rs. 5,000 Rs. 25 per instrument.

    Rs. 5,001 to Rs. 10,000 Rs. 50 per instrument.

    Rs. 10,001 to Rs. 1 lakh Rs 100 per instrument.

    Above Rs. 1 lakh - Rs. 200 per instrument

    Outstation cheque collection through non ICICI

    bank branch locations

    Upto Rs. 5,000 Rs. 25 per instrument.

    Rs. 5,001 to Rs. 10,000 Rs. 50 per instrument.

    Rs. 10,001 to Rs. 1 lakh Rs 100 per instrument.

    Above Rs. 1 lakh - Rs. 200 per instrument

    Chargeable Transactions if minimum Balance is not maintained

    Cash transactions at branch in the event of non- Nil for the first two transactions of a month; Thereafter in

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    maintenance of MAB the month, Rs. 90 per transaction.

    Cheque books in the event of non-maintenance of

    MAB

    Rs. 5 per cheque leaf for all cheque books issued

    during the month

    Note:

    1. Common service charges applicable to all savings account variants except for Wealth

    Management / ICICI Group Global Private Clients and the ones mentioned above.Click here

    Click here to view charges applicable before April 1, 2012

    2. Service tax @ 12.36 % (as per Govt rules) w.e.f. April 1, 2012 is applicable over and above

    charges indicated above. The charges indicated above are subject to periodic revision.

    Service Charges and Fees

    Savings Accounts

    Savings Account

    Silver Savings Account

    Freedom Savings Account

    Easy Receive Account

    No Frills Account

    Salary Account

    Select

    Deposits

    Home loans

    Money2India online transfers

    Wire Transfers (Inward)

    Foreign Currency Cheques

    Current

    Accounts

    Revised

    schedule of

    charges w.e.f

    November 01,

    2011 for Current

    Account

    Products

    Schedule of

    charges for

    Foreign

    Exchange and

    International

    Business

    Services w.e.f.

    May 01,2011.

    Seasonal

    Current Account

    http://www.icicibank.com/service-charges/common-service-charges.htmlhttp://www.icicibank.com/service-charges/common-service-charges.htmlhttp://www.icicibank.com/service-charges/common-service-charges.htmlhttp://www.icicibank.com/service-charges/regular-savings-account-before-april-2012.htmlhttp://www.icicibank.com/service-charges/regular-savings-account-before-april-2012.htmlhttp://www.icicibank.com/service-charges/regular-savings-account.htmlhttp://www.icicibank.com/service-charges/silver-saving-ac.htmlhttp://www.icicibank.com/service-charges/freedom-savings-account.htmlhttp://www.icicibank.com/service-charges/easy-receive-savings-account.htmlhttp://www.icicibank.com/service-charges/no-frills-savings-account.htmlhttp://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/rates/service_charges.htmhttp://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/rates/service_charges.htmhttp://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/rates/hl_interest_othercharges.htmhttp://www.money2india.com/http://www.money2india.com/http://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/money_transfer/money_transfer_others/wire_transfer.htmhttp://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/money_transfer/money_transfer_others/wire_transfer.htmhttp://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/money_transfer/money_transfer_others/foreign_currency.htmhttp://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/money_transfer/money_transfer_others/foreign_currency.htmhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/cb/Seasonal_CA_2012.pdfhttp://www.icicibank.com/service-charges/cb/Seasonal_CA_2012.pdfhttp://www.icicibank.com/service-charges/cb/Seasonal_CA_2012.pdfhttp://www.icicibank.com/service-charges/cb/Seasonal_CA_2012.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/cb_charges_trade.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/service-charges/pdf/Website_Notice.pdfhttp://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/money_transfer/money_transfer_others/foreign_currency.htmhttp://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/money_transfer/money_transfer_others/wire_transfer.htmhttp://www.money2india.com/http://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/rates/hl_interest_othercharges.htmhttp://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/rates/service_charges.htmhttp://www.icicibank.com/service-charges/no-frills-savings-account.htmlhttp://www.icicibank.com/service-charges/easy-receive-savings-account.htmlhttp://www.icicibank.com/service-charges/freedom-savings-account.htmlhttp://www.icicibank.com/service-charges/silver-saving-ac.htmlhttp://www.icicibank.com/service-charges/regular-savings-account.htmlhttp://www.icicibank.com/service-charges/regular-savings-account-before-april-2012.htmlhttp://www.icicibank.com/service-charges/common-service-charges.html
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    Senior Citizens Account

    Young Stars

    Bank@Campus

    Privilege Banking

    Advantage Woman Savings Account

    Self Help Groups

    Common Charges Across Savings Accounts

    Wealth Management / ICICI Group Global Private

    Clients

    Loans

    Home loan

    Personal Loan

    Car Loan

    Two - Wheeler loan

    Commercial Vehicle Loan

    Loans against Securities

    Construction Equipment

    FlexiCash

    Public Works

    Contractors

    Current Account

    Company

    Current Account

    Merchant

    Current Account

    Classic Plus

    Current Account

    w.e.f November

    2011

    Gold Advantage

    Current Account

    w.e.f November

    2011

    Textile CurrentAccount w.e.f

    November 2011

    Agri Current

    Account w.e.f

    October 1, 2009

    Revised

    charges for

    RTGS_NEFT

    payment w.e.f

    Nov15, 2010

    Revision in

    number of

    cheque leaves

    for Standard -

    Current Account

    Change in

    frequency of

    charging current

    account

    transactions

    from Monthly to

    Daily with effect

    from on or after

    October 20,

    2010 onwards

    ATM

    Interchange

    Charges

    Applicable for

    Current Account

    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    Cards

    Credit Cards

    Corporate Cards

    Purchase Cards

    Demat Service charges

    Holder w.e.f

    October 15,

    2009

    Made2order

    (m2o) Current

    Account :

    Changes in

    Service

    charges.

    Effective from

    October 1, 2008

    Roaming

    Current Account

    (Except RCA

    Privilege) & Elite

    Current Account

    w.e.f November2011

    Privilege

    Roaming

    Current Account

    w.e.f Nov 2011

    Trade Roaming

    Current Account

    w.e.f November

    2011

    Prepaid Current

    Account w.e.f

    November 2011

    Local Current

    Account w.e.f

    October 1 ,

    2008

    Regular current

    account

    (Applicable for

    eBOR new &

    migrated

    accounts only)

    w.e.f Nov 01,

    2011

    Previous

    Schedule of

    charges

    http://www.icicibank.com/service-charges/cb/Branch_Notice_Final.pdfhttp://www.icicibank.com/service-charges/cb/Branch_Notice_Final.pdfhttp://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Credit-Card/eligibility-fees.htmlhttp://www.icicibank.com/Personal-Banking/cards/commercial-cards/corporate_feesandcharges.htmlhttp://www.icicibank.com/Personal-Banking/cards/commercial-cards/purchase_feesandcharges.htmlhttp://www.icicibank.com/Personal-Banking/demat/serviceCharges.htmlhttp://www.icicibank.com/Personal-Banking/demat/serviceCharges.htmlhttp://www.icicibank.com/service-charges/cb/Branch_Notice_Final.pdfhttp://www.icicibank.com/service-charges/cb/Branch_Notice_Final.pdfhttp://www.icicibank.com/service-charges/cb/Branch_Notice_Final.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/Privilege_12.pdfhttp://www.icicibank.com/service-charges/cb/Privilege_12.pdfhttp://www.icicibank.com/service-charges/cb/Privilege_12.pdfhttp://www.icicibank.com/service-charges/cb/Privilege_12.pdfhttp://www.icicibank.com/service-charges/cb/Trade_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/Trade_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/Trade_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/Trade_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/PCA-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/PCA-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/PCA-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/LCA_2012.pdfhttp://www.icicibank.com/service-charges/cb/LCA_2012.pdfhttp://www.icicibank.com/service-charges/cb/LCA_2012.pdfhttp://www.icicibank.com/service-charges/cb/LCA_2012.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/service-charges-cb.htmlhttp://www.icicibank.com/service-charges/service-charges-cb.htmlhttp://www.icicibank.com/service-charges/service-charges-cb.htmlhttp://www.icicibank.com/service-charges/service-charges-cb.htmlhttp://www.icicibank.com/service-charges/service-charges-cb.htmlhttp://www.icicibank.com/service-charges/service-charges-cb.htmlhttp://www.icicibank.com/service-charges/service-charges-cb.htmlhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/Regular_Current_Account_eBOR.pdfhttp://www.icicibank.com/service-charges/cb/LCA_2012.pdfhttp://www.icicibank.com/service-charges/cb/LCA_2012.pdfhttp://www.icicibank.com/service-charges/cb/LCA_2012.pdfhttp://www.icicibank.com/service-charges/cb/LCA_2012.pdfhttp://www.icicibank.com/service-charges/cb/PCA-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/PCA-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/PCA-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/Trade_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/Trade_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/Trade_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/Trade_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/Privilege_12.pdfhttp://www.icicibank.com/service-charges/cb/Privilege_12.pdfhttp://www.icicibank.com/service-charges/cb/Privilege_12.pdfhttp://www.icicibank.com/service-charges/cb/Privilege_12.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/RCA_SOC-01-11-11.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/M2O-6-27oct.pdfhttp://www.icicibank.com/service-charges/cb/Branch_Notice_Final.pdfhttp://www.icicibank.com/service-charges/cb/Branch_Notice_Final.pdfhttp://www.icicibank.com/service-charges/cb/Branch_Notice_Final.pdfhttp://www.icicibank.com/Personal-Banking/demat/serviceCharges.htmlhttp://www.icicibank.com/Personal-Banking/cards/commercial-cards/purchase_feesandcharges.htmlhttp://www.icicibank.com/Personal-Banking/cards/commercial-cards/corporate_feesandcharges.htmlhttp://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Credit-Card/eligibility-fees.html
  • 8/2/2019 Demand Liabilities

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