Comparative
STUDY OF SERVICE CHARGES OF
SAVINGS Account OF
ICICI BANK WITH HDFC, AXIS
AND IDBI BANK
FROM - BIPENDRA KUMAR
PROJECT GUIDE – Mr. AMIT SUMB
BRANCH OPERATION MANAGER.
LAY OUT
SAVINGS ACCOUNT OF ICICI BANK
SERVICE CHARGES OF SAVINGS ACCOUNTS OF ICICI
BANK
SAVINGS ACCOUNT OF HDFC BANK
SERVICE CHARGES OF HDFC BANK
SAVINGS ACCOUNT OF AXIS BANK
SERVICE CHARGES OF AXIS BANK
SAVINGS ACCOUNT OF IDBI BANK
SERVICE CHARGES OF IDBI BANK
COMPARISON OF SERVICE CHARGES OF ALL BANKS
RECOMMENDATION TO ICICI BANK
SAVINGS ACCOUNT OF ICICI BANK
Normal savings accounts
No frills accounts
Easy Receive Account
Blue Privilege (Senior Citizen)
Blue Privilege (Non-Senior Citizen)
Silver Privilege (Senior Citizen)
Silver Privilege (Non Senior Citizen)
Gold Privilege (Senior Citizen)
Gold Privilege (Non Senior Citizen)
SAVINGS ACCOUNT OF ICICI BANK
Retiree Defense Account
Easy Pay Savings Account
Salary Account
Retrial Account.
Defense Account
Pension Account
Advantage Woman Account
Bank @ campus Account
Young Stars customer Account
SERVICE CHARGES OF ICICI BANK
Calculation of QAB
Non- maintenance of QAB
Transaction charge, when the QAB falls below the level
stipulated for a customer
Issue of Debit card
ATM interchange
Anywhere cash deposit or withdrawal
Penalty on deposit of cash in collector box
Issue of loose cheque-leaves
Signature verification
Savings account of HDFC bank
Regular Savings Account
Savings Plus Account
Savings Max Account
Senior Citizens Account
No Frills Account
Institutional Savings Account
Salary Account
Kid's Advantage Account
Pension Savings Account
Family Savings Account
Kisan No Frills Savings Account
Kisan Club Savings Account
Savings account of Axis bank
Zero balance savings accounts
Easy Access savings accounts
Prime savings accounts
Salary power savings accounts
Power salute savings accounts
Azaadi – No frills savings accounts
Senior citizen savings accounts
Women’s savings accounts
Trust/NGO savings account
Pension savings accounts
Savings account of IDBI
Access Plus super savings accounts
Super savings accounts
Limited access super savings accounts
Sabka savings accounts
Power Plus account
Jubilee Plus savings account
Super Shakti women’s savings account
Payroll savings account
Comparison of Services Charges
SERVICES SERVICE CHARGES
ICICI BANK IDIBI BANK HDFC BANK AXIS BANK
NON MAINTENANCE OF QAB 750 790 750 750
ANNUAL FEES 99 110 100 500
REPLACEMENT OF LOST STOLEN CARD 200 115 100 100
DOMESTIC CASH WITHDRAWAL
CHARGE ON OTHER BANK ATMs 20 20 17.8 20
INTERNATIONAL CHARGE FOR
BALANCE ENQUIRY ON OTHER BANK
ATMs 25 30 15 25
INTERNATIONAL CHARGE FOR CASH
WITHDRAWAL ON OTHER BANK ATMs 110 140 110 125
CHEQUE COLLECTION CHARGES FROM
SAME BANK 30 30 50 50
CHEQUE COLLECTION CHARGES FROM
OTHER BANK 30 60 50 100
ISSUE OF DD DRAWN ON SAME BANK 50 70 50 50
Comparison of Services Charges
CHEQUE BOOKS
MONTHLY STATEMENT( PER ANNUM) 200 600 400 50
ACCOUNT CLOSURE CHARGE 250 115 100 100
DUPLICATE STATEMENT FOR 90 DAYS 100 85 100 100
STANDING INSTRUCTIONS SET UP (PER INSTRUCTION) 100 60 150 150
STANDING INSTRUCTIONS EXECUTION (PER INSTRUCTION) 25 30 25 25
CERTIFICATE OF BALANCE PREVIOUS YEAR 250 280 250 250
INTEREST CERTIFICATE PREVIOUS YEAR 50 280 50 25
SIGNATURE VERIFICATION CERTIFICATE (PER
VERIFICATION) 50 30 50 25
DD/PAY ORDER CANCELLATION (DOMESTIC) 100 60 50 50
DD/PAY ORDER CANCELLATION (FOREIGN CURRENCY) 100 170 150 150
FUNDS TRANSFER( RTGS- OUTWARD) 50 100 50 50
CHEQUE COLLECTION ON BRANCH LOCATIONS 30 30 50 50
Comparison of Services Charges
CHEQUE COLLECTION ON NON- BRANCH LOCATIONS 30 60 50 30
CHEQUE DEPOSITED & RETURNED (LOCAL CHEQUE) 75 60 75 50
CHEQUE DEPOSITED & RETURNED( OUTSTATION CHEQUE) 125 115 50 100
CHEQUE STOP PAYMENT INSTRUCTIONS (PER CHEQUE) 50 60 50 100
CHEQUE STOP PAYMENT INSTRUCTIONS (RANGE OF
CHEQUES) 100 115 100 200
OLD RECORDS/COPIES OF PAID CHEQUES (UPTO 1 YEAR) 50 30 50 50
OLD RECORDS/COPIES OF PAID CHEQUES (ABOVE 1
YEAR) 50 60 100 100
ANY BRANCH CASH DEPOSIT 150 30 100 100
ANY BRANCH CASH WITHDRAWAL BY SELF ONLY 150 30 100 50
PIE CHART OF ICICI BANK
ICICI BANK pie chart
NON MAINTENANCE OF QAB
ANNUAL FEES
REPLACEMENT OF LOST
STOLEN CARD
DOMESTIC CASH WITHDRAWAL
CHARGE ON OTHER BANK
ATMs
INTERNATIONAL CHARGE FOR
BALANCE ENQUIRY ON OTHER
BANK ATMs
INTERNATIONAL CHARGE FOR
CASH WITHDRAWAL ON OTHER
BANK ATMs
PIE CHART OF HDFC
NON MAINTENANCE OF QAB
HDFC BANK PIE CHART
ANNUAL FEES
REPLACEMENT OF LOST STOLEN
CARD
DOMESTIC CASH WITHDRAWAL
CHARGE ON OTHER BANK ATMs
INTERNATIONAL CHARGE FOR
BALANCE ENQUIRY ON OTHER
BANK ATMs
INTERNATIONAL CHARGE FOR
CASH WITHDRAWAL ON OTHER
BANK ATMs
CHEQUE COLLECTION CHARGES
FROM SAME BANK
CHEQUE COLLECTION CHARGES
FROM OTHER BANK
ISSUE OF DD DRAWN ON SAME
BANK
PIE CHART OF AXIS BANK
NON MAINTENANCE OF QAB
AXIS BANK PIE CHART
ANNUAL FEES
REPLACEMENT OF LOST
STOLEN CARD
DOMESTIC CASH WITHDRAWAL
CHARGE ON OTHER BANK ATMs
INTERNATIONAL CHARGE FOR
BALANCE ENQUIRY ON OTHER
BANK ATMs
INTERNATIONAL CHARGE FOR
CASH WITHDRAWAL ON OTHER
BANK ATMs
CHEQUE COLLECTION
CHARGES FROM SAME BANK
CHEQUE COLLECTION
CHARGES FROM OTHER BANK
ISSUE OF DD DRAWN ON SAME
BANK
PIE CHART OF IDBI
NON MAINTENANCE OF
IDBI BANK PIE CHART QAB
ANNUAL FEES
REPLACEMENT OF LOST
STOLEN CARD
DOMESTIC CASH
WITHDRAWAL CHARGE ON
OTHER BANK ATMs
INTERNATIONAL CHARGE
FOR BALANCE ENQUIRY
ON OTHER BANK ATMs
INTERNATIONAL CHARGE
FOR CASH WITHDRAWAL
ON OTHER BANK ATMs
CHEQUE COLLECTION
CHARGES FROM SAME
BANK
CHEQUE COLLECTION
CHARGES FROM OTHER
Graphical view of Service charges
RECOMMENDATION TO ICICI BANK
CHARGE FOR NON MAINTENANCE OF QAB
CHARGE OF LOST STOLEN CARD
ACCOUNT CLOSURE CHARGE
SURVEY OF CUSTOMERS WITH INCOME AS ONE OF
THE FACTOR
RECOMMENDATION AFTER STUDY OF SAVINGS
ACCOUNT OF OTHER BANKS
THANK YOU
