ICICI has different scale for companies like Infosys, Wipro and another MNC

The difference is due to the volume of money rotated by those IT companies and the staff.

Imagine paying a salary of average 25000 for 50K employees, and almost all of them have their salaries in ICICI.

The net amount = 25000 * 50000 = some mind-boggling number

Imagine a high paying MNC company assuming 50K per employee and for 1000 employees. This amount is relatively smaller than the 1st one.

Go to google and find something called as "Money Multiplier effect". The rate of a 10 Rs/- note is not exactly 10 Rs/- but something around 10x where x is the multiplier effect.

Even if the 50000 employees of company x hold their salaries back in their salary account for a day, ICICI would make a 6.25% profit.... the good question is how?

every bank for its day to day needs borrows money from RBI, this is called the REPO rate and RBI borrows from the banks for its operaional needs which are called Reverse - Repo rates.

when ICICI will hold the amount of 125 * 10^8 money, the entire money generates an interst rate of 5.75 - 6.25% of interest and the amount is profit. To ensure that hte profit is retained it provides waivers in its money operations to the companies hwihc have larger transactions. Hence the partiality, which is perfectly normal in business :)