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How Do I Apply For Overdraft Against My Salary Account Through Net Banking

FlexiCash is a facility offered to ICICI Bank Salary Account customers, whereby they can avail of a line of credit/ overdraft facility to meet unplanned or recurring expenses. It is designed to protect ICICI Bank Salary Account customers from missing their Equated Monthly Instalments (EMIs) or cheque bounces due to insufficient funds by providing short-term instant credit. Customers can easily avail of this facility by initiating their application online.

Features and Benefits
Features Benefits
Pay only for what you use Pay interest on the amount you use and for the period you use it for
Flexible Repayment Flexibility to clear the outstanding limit at your convenience, only the interest due to be paid every month
Digital process for pre-approved customers Avail of facility instantly by applying online with no documentation
Auto sweep-in facility Reduced interest burden due to the auto sweep facility from the Salary Account to the overdraft account
Auto Renewal Automated process of renewal of overdraft limit
Pre-closure facility Repay the amount whenever you want without any pre-closure charges
Fees and Charges
  • Processing fee: Starting at Rs 1,999 + Goods and Services Tax (GST)
  • Renewal fee: Flat Rs 1,999 + GST
  • ROI: Between 12% and 14% per year

For Example: If you have a FlexiCash limit of Rs 1,00,000 with ROI of 12.20% and you use Rs 10,000 for an urgent expense, you will have Rs 90,000 left for other purposes. If you repay Rs 10,000 after 15 days and have not used any more of the FlexiCash funds, your interest payable will be Rs 50.14.

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