savings

NPS Plus Savings Account Variants

NPS Plus Gold Savings Account


Eligibility criteria:

  • The account is available for Resident Individual (sole account between 18 years and 60 years.
  • Account Opening Cheque (AOC) of ₹50,000 is required or a net salary credit of ₹50,000.

Minimum Monthly Average Balance (MAB): Nil, provided the total contribution to any or all of the below mentioned product/s should be minimum amount of ₹3,000 per month.

Mandatory product: National Pension System (NPS): Minimum amount of ₹1,000 per month.

Optional products:

  • Recurring Deposit (RD): Minimum amount of ₹500 per month.
  • Public Provident Fund (PPF) Account: Minimum amount of ₹500 per month.

Standing Instruction should be set for minimum 1 year for above products.

Features:

  • Free Gold Privilege Debit Card with exciting offers and Visa Privileges. Note: Cash withdrawal limit of ₹75,000 per day and transaction limit of ₹1,25,000 per day
  • Unlimited cash withdrawal transactions at any bank’s ATM, free of charge
  • Avail of 20% discount on annual locker rentals
  • Brokerage and trading benefits along with waiver on trading account opening fee of ₹975 and first year Demat Annual Maintenance Charges (AMC) of ₹500
  • Free Anywhere banking
  • Free unlimited cash transactions at base branch (branches in same city)
  • Waiver of DD/PO charges for up to ₹1,50,000 per day
  • Money Multiplier facility
  • Free SMS Facility
  • Free National Electronic Funds Transfer (NEFT)/Real-Time Gross Settlement (RTGS).

NPS Plus – AURA Titanium Savings Account


Eligibility criteria:

  • Resident Indian working woman from 18 years till 59 years should be the primary applicant.
  • Account Opening Cheque (AOC) of ₹1 lakh is required or a net salary credit of ₹1 lakh.

Minimum Monthly Average Balance (MAB): Nil, provided the total contribution to any or all of the below mentioned product/s should be minimum amount of ₹10,000 per month.

Mandatory product: National Pension System (NPS): Minimum amount of ₹1,000 per month.

Optional products:

  • Recurring Deposit (RD): Minimum amount of ₹500 per month.
  • Public Provident Fund (PPF) Account: Minimum amount of ₹500 per month and maximum of ₹12,500 per month.

Standing Instruction should be set for minimum 1 year for above products.

Features:

    • Cashback of ₹750 per month on AURA Debit Card for dining, entertainment and jewellery
    • Free unlimited access to ATMs of all banks
    • 50% off on annual locker rentals
    • Gift Vouchers worth ₹3,000 from www.shoppersstop.com
    • Complimentary airport lounge access, two per quarter
    • ₹250 discount every month on www.bigbasket.com on minimum purchase of ₹1,000
    • Ola voucher worth ₹250
    • Purplle voucher worth ₹1,000 on doing one digital transaction and maintaining MAB for the first three months of opening the account
    • Voucher worth ₹3,000 from Mia by Tanishq on subscribing for any two of these products: SIP/PPF/Auto Debit
    • Debit Card transaction limit
      • Domestic ATM – ₹1,25,000
      • Domestic POS/ECOM – ₹2,00,000
      • International ATM – ₹1,25,000 equivalent
      • International POS E-COM – ₹2,00,000 equivalent
    • Debit Card charges: Nil
    • Online National Electronic Funds Transfer (NEFT)/Real-Time Gross Settlement (RTGS) charges:
      • Up to ₹10,000 – ₹2.5 per transaction
      • ₹10,001 to ₹1 lakh – ₹5 per transaction
      • ₹1,00,001 to ₹2 lakh – ₹15 per transaction
      • Above ₹2 lakh - ₹25 per transaction.
      • Free through iMobile and Internet Banking modes.
    • ATM interchange charges: Nil
    • Anywhere Banking:
          Cash withdrawal:
        • Waived off
        • Maximum withdrawal limit – Self: Any amount, Third party: ₹15,000 per day
          Cash deposit:
        • Waived off
        • Maximum deposit limit – Self: Any amount, Third party: ₹50,000 per day
    • Cheque book charges: Nil
    • Cash transactions: Nil
    • No charges for DD drawn on ICICI Bank by cheque/fund transfer
    • Dedicated relationship manager
    • Priority processing at branches
    • Exclusive Privilege Banking zones in branches.
    • SMS alert charges: Nil
    • Money Multiplier Facility
    • Money Coach – Virtual Financial Assistant
    • Waiver on Trading Account opening fee of ₹975 and first year Demat AMC of ₹500

Preferential rates and discounts on Processing Fees (PF) for loans:

  • Personal Loan: Discount of 25 bps or ₹500 (whichever is higher) on PF
  • Home Loan PF: Lower interest rates + PF discounts*
    • Offer on Home Loan: 50% waiver on processing fees
    • Offer on Top Up: 50% waiver on Processing Fees
    • Offer on Balance Transfer (BT): Nil processing fees.
    • All these offers are valid only in the case customer avails of Auto Debit as the mode of repayment of the loan.
  • Two Wheeler Loan: PF: Flat ₹499 and up to 100% loan of on-road price.
  • Auto Loan: Flat 50% discount on PF.
  • Cancer Protect Insurance which can be taken while account opening. On Debit Card:
  • Complimentary air accident insurance: ₹40 lakh
  • Complimentary personal accident insurance: ₹10 lakh
  • Purchase protection Cover on Debit Card: ₹1.5 lakh

NPS Plus – The One Titanium Savings Account


Eligibility criteria:

  • Resident Indian male between 18 years till 59 years.
  • Account opening cheque (AOC) of ₹1 lakh is required or a net salary credit of ₹1 lakh.

Minimum Monthly Average Balance (MAB): Nil, provided the total contribution to any or all of the below products should be minimum amount of ₹10,000 per month.

Mandatory product: National Pension System (NPS): Minimum amount of ₹1,000 per month.

Optional products:

  • Recurring Deposit (RD): Minimum amount of ₹500 per month.
  • Public Provident Fund (PPF) Account: Minimum amount of ₹500 per month and maximum of ₹12,500 per month.

Standing Instruction should be set for minimum 1 year for above products.

Features:

  • Get Amazon Gift Card worth ₹999. Use it to join Prime.
  • Get 15% off on groceries every month at Bigbasket. Valid once per month to a maximum discount of ₹500. 
  • Get complimentary subscription of Zomato Gold for 1 year, on maintenance of MAB for 3 months and one UPI transaction.
  • Get free health check-up from SRL Diagnostics for a family member on availing of bill pay, e-commerce purchase using iMobile or Internet Banking.
  • 40% discount on annual locker rentals.
  • Free Debit Card with exciting offers and Visa Privileges.
  • Debit Card transaction limit
    • Domestic ATM – ₹1,25,000
    • Domestic POS/ECOM – ₹2,00,000
    • International ATM – ₹1,25,000
    • International POS ECOM – ₹2,00,000
  • Exclusive Privilege Banking zones in branches.
  • Unlimited cash withdrawal transactions at any bank’s ATM, free of charge.
  • Dedicated relationship manager for all banking needs.
  • No charges for online National Electronic Funds Transfer (NEFT)/Real-Time Gross Settlement (RTGS).
  • Free anywhere banking
  • No cheque book charges
  • Free cash transactions
  • No charges for DD drawn on ICICI Bank by cheque/fund transfer
  • SMS alert charges - Free
  • Money Multiplier facility
  • Free unlimited cash transactions at base branch (branches in the same city)
  • Priority Access in branches - access to Privilege Zone
  • Free anywhere cash deposits
  • Complimentary ₹40 lakh air accident insurance, ₹10 lakh personal accident insurance and ₹1.5 lakh purchase protection on Debit Card.