Minimum monthly average balance(MAB)
Metro and Urban locations - Rs.10, 000,
Semi-urban locations - Rs.5, 000,
Rural locations - Rs.2, 000
So if the user do not have enough minimum balance in the account, ICICI bank will withdraw money from the account. Usually the withdrawal account is in between 200 and 400 rupees. This is a policy for ICICI bank and they are making money out of this.
You can see the following MAB charges by ICICI
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.
So I was sending the same answer to everybody. No, there is no option for that, because it is policy of ICICI bank. But if anybody got their money bank, they can share the processes of recovering money to Savings Account in ICICI bank due to SMAB charges.