RMs of icici bank are dumb and greedy. My wealth RM used to visit my home every 2nd day in march from 15 march onwards with BM and he is so dumb that even being a wealth RM he didn't had information about icici all-in-one qr and it's okay but he couldn't get me connected to guy who handle merchant requirement and instead tell me to mail.
Unless it's spare money, if you want, you can take it out.