While making the reimbursement this option shows up for everyone. And if you choose it by mistake for someone without and ICICI account is does not go through, obviously. SO One has to re-initiate the payment. Conversely, for those who have ICICI accounts and you choose IMPS the same happens, payment does not go through. Hence, Only showing the 'ICICI Fund Transfer' option while initiating the payment for those who have added an ICICI account. Otherwise it becomes difficult to track who has put ICICI and who has not.