Advantage Woman Savings Account Faq

The Monthly Average Balance (MAB) is calculated on a simple average of day-end balances for a calendar month. The MAB is calculated by adding the closing ledger balance of the account of each day from the start of the month to the end of the month. Then the total sum amount is divided by the number of days in that month.

Young Stars Savings Account is available for children in the age group of 1day-18 years. The guardian can open and operate the account on behalf of the minor.

Smart Star Savings Account is available for minor customers above 10 years of age. Minor can independently open and operate the account.

With Young Star Account you can open and operate the account to plan your child’s need, right from a young age.

With Smart Star Account, minors above the age of 10, can open and operate the account all by themselves. This will inculcate habit of savings and a responsibility to spend wisely.

The minimum Monthly Average Balance (MAB) to be maintained in Young Stars Savings Account is Rs. 2,500.

Charges for Non-maintenance of Minimum MAB (NMMAB) with effect from June 1, 2016: 
5% of the shortfall in required MAB.
 

The ICICI Bank Young Stars Account is exclusively designed to let your kid have a bank account with loads of fun. Besides checking account, your kids can surf through fun zones and special pages on Internet Banking. You can also directly transfer pocket money into your child's account. 

Features of ICICI Bank Young Stars Account:

• The minimum average balance for a Savings Account is ₹2,500
• Free personalised cheque book
• Free internet banking
• Free international debit card*
• Daily withdrawal and spends of up to ₹2,500
• Funds transfer facility

To know more details of ICICI Bank Young Stars Account, please visit our website www.icicibank.com > Products > Accounts & Deposits > Savings Accounts > Types of Savings Account >Young Stars Account.

Smart Star Savings Account with Guardian Consent – has a debit transaction limit of Rs. 2 Lacs in a financial year.

Smart Star Savings Account without Guardian Consent – has a debit transaction limit of Rs. 50000 in a financial year.

In case of breach of debit transaction limit account is frozen

Basic Savings Account is available for Indian Residents above the age of 18 years only who should not be holding any other Savings Account with ICICI Bank.

You may visit the nearest ICICI Bank branch and request for opening a Basic Savings Account. 
 

• Minor above the age of 10, can open and operate the account all by themselves.
• Free Personalised debit card with spend and withdrawal limit of Rs. 5000
• Personalised cheque book – cheques can be issued by the child
• Free Internet Banking access
• Free Mobile Banking Access
• Free email statement
• Pre-paid Mobile recharge facility

Young Star - Minor Under Guardianship Account is open and operated by the guardian. It has no transaction limits applicable.

When the applicable limits in the Smart Star account are breached, the Smart Star account is frozen. The customer (Minor) will be required to visit the branch and upgrade the variant to remove the freeze and avail higher limits. As higher limits are available with Smart Star - guardian consent account and Young Stars - under guardianship account, presence of parent is required.

There is no minimum monthly average balance requirement for Basic Savings Bank Account.

Click here to know more details about Basic Savings Bank Account.

• Login to www.icicibank.com
Login to www.icicibank.com
• Click on Payments & Transfer > Manage Biller > Register Biller > Electricity, Telecom and other utilities > Register Now
• Enter NPS in the Biller name field and click on ‘Search’
• Click on ‘Register’, below the Available Biller Section
• Enter the PRAN received and DOB as available in ICICI Bank records, click on Next
• Preview the details filled and click on ‘Submit’
• The biller is successfully registered and the payment can be made after 3 working days
• To make the payment, click on Payments & Transfer > Bill Payments > Registered Billers
• Once the first payment is made the customer can make further payments any time

Please do not make the payment before 3 working days or the same will get reversed to your savings account.

To know more about NPS, you may visit our website www.icicibank.com > Products  > Accounts & Deposits > Pension Accounts  > National Pension System.

If your organisation has an ICICI Bank Salary Account relationship, you can approach us in any of the following ways:

• Call us at our 24 hour Customer Care Centre.
• You can just walk into any of our branches.
• Write to us using the "Email Us" option.

• ICICI Bank 24 hour Customer Care Centre.
• ICICI Bank Branch.
• Write to us using the "Email Us" option.

National Pension System (NPS) is a voluntary, defined contribution retirement savings scheme. The NPS has been designed to enable systematic savings during the subscriber's working life. It is an attempt towards finding a sustainable solution to provide adequate retirement income to every citizen of India.

1. All citizens age from 18 years to 70 years of age, including NRIs.

2. Steps to enroll for NPS online: Please login to your Account/iMobile App > investment and insurance > National Pension System.

• A Service request number will be generated for processing (please save this number for future reference)
• The SR will be processed and your account will be activated in 1 working day 
• Details of Permanent Retirement Account Number (PRAN) will be received via SMS from NSDL on your registered mobile number

3. Post confirmation of PRAN generation, please send the below mentioned documents to ICICI Bank NPS Enabled Branch for Account continuation

4. For offline:
• Application form (original + copy)
• 1 set of self-attested KYC documents (PAN card, Address proof, passport size photograph)
• Cancelled ICICI Bank Cheque
Please note:
• The details in the documents should be the same as filled in the Service Request
• The Address and ID details should be the same as available in the bank records
• Please mention the SR number and PRAN on top of the form 
The documents should be received within 2 weeks for successful continuation of account, else the NPS Account will be frozen.
To know the list of NPS Enabled Branches please visit our website www.icicibank.com > Products  > Accounts & Deposits > Pension Accounts  > National Pension System > NPS Enabled Branches.
5. First contribution towards NPS needs to be made online within 45 days of PRAN generation or the account will be frozen

• Login to www.icicibank.com
• Click on Payments & Transfer > Manage Biller > Register Biller > Electricity, Telecom and other utilities > Click on Register Now
• Enter NPS in the Biller name field and click on ‘Search’
• Click on ‘Register’, below the Available Biller Section
• Enter the PRAN received and DOB as available in ICICI Bank records, click on Next
• Preview the details filled and click on ‘Submit’
• The biller is successfully registered and the payment can be made after 3 working days 
• To make the payment, click on Payments & Transfer > Bill Payments > Registered Billers
• Once the first payment is made you can make further payments any time
Please do not make the payment before 3 working days or the same will get reversed to your savings account.
To know more about NPS, you may visit our website www.icicibank.com > Products  > Accounts & Deposits > Pension Accounts  > National Pension System.

The minimum Monthly Average Balance (MAB)* required to be maintained for a Gold Privilege Account (Non Senior Citizens)  is Rs. 50,000.

Charges for Non-maintenance of Minimum MAB (NMMAB) with effect from June 1, 2016: 
Rs. 100 + 2% of the shortfall in required MAB or Rs. 500 whichever is lower.

*Waiver of NMMAB charges is subject to FD of minimum Rs. 2.5 lakh under the same Customer ID.

A. Upon attainment of the age of 60 years:

• At least 40% of the accumulated pension wealth of the subscriber needs to be utilized for purchase of annuity providing for monthly pension to the subscriber and balance is paid as lump sum payment to the subscriber. However, the subscriber has the option to defer the lump sum withdrawal till the age of 75 years.
• In case of attainment of 60 years, exit before the age of Superannuation/attainment of 60 years, the subscribers can also initiate withdrawal requests in the CRA system, which shall subsequently have to be verified by the Nodal Office (POP/Banks) in CRA system. www.cra-nsdl.com

B. At any time before attaining the age of 60/75 years:

• At least 80% of the accumulated pension wealth of the subscriber needs to be utilized for purchase of annuity providing for monthly pension to the subscriber and the balance is paid as a lump sum payment to the subscriber.

C. Death of the subscriber:

• The entire accumulated pension wealth (100%) would be paid to the nominee/legal heir of the subscriber and there would not be any purchase of annuity/monthly pension.
• Under NPS, PFRDA has entrusted the responsibility of receiving, processing and settlement of all withdrawal claims made to CRA and has created a special NPS Claim Processing Cell (“NPSCPC”) for this purpose for handling all types of withdrawal claims.
• The Withdrawal process is now online.
• NPS offers Indian citizens a low cost option for planning their retirement. Each intermediary is entitled to recover the following prescribed charges from the subscriber towards the services rendered by them: 

Minimum Contributions (For Tier-I)
•    Minimum contribution at the time of account opening and for all subsequent transactions – Rs.500/-
•    Minimum contribution per year – Rs.1,000/- excluding any charges and taxes Minimum number of contributions in a year - 01 
Non-compliance of mandatory minimum contributions:
•    If the subscriber contributes less than Rs.1000/- in a year, his/her account would be frozen and further transactions will be allowed only after the account is reactivated
•    In order to reactivate the account, the subscriber would have to pay the minimum contributions.
Minimum Contributions (For Tier-II)
•    Minimum number of contributions in a year -01
•    Minimum contribution at the time of account opening – Rs.500/- and for all subsequent transactions a minimum amount per contribution of Rs. 250/-
Non-compliance of mandatory minimum contributions:
•    Under NPS, the manner in which your money is invested will depend upon subscriber’s own choice. NPS offers a number of funds and multiple investment options to choose from. In case subscriber does not want to exercise a choice, his/her money will be invested as per the "Auto Choice" option, where money will be invested in various type of schemes as per subscriber’s age. The NPS offers two approaches to invest subscriber’s money:

Cheque book will be processed and will be delivered to your address registered with bank.

Once the cheque book request is placed you will receive it within 9 working days ,however the delivery will be attempted by Courier within 5 working days.

Please track the status of your cheque book deliverable through the below mentioned channels: 

Internet Banking: 

Please login to www.icicibank.com with your User ID and Password > Customer service > Service request > Track your deliverable > Track Your Shipment > Enter Courier AWB Number or Enter ICICI Bank Account Number > Submit. 

Click here to track deliverable 

iMobile:

Login to iMobile > Smart keys and services > Check Status > Track deliverable

Customer Care:

You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.

To know the local Customer Care numbers, please click here.

Benefits are two fold - to the employee and to the employer.

Special privileges of Gold privilege savings account:

• Dedicated service area* at branches
• Enjoy priority access and priority processing of your requests
• Free Gold Privilege Debit Card with exciting offers and Visa privileges
• Unlimited cash withdrawal transactions at ICICI bank’s ATM, free of charge
• Avail 20% discount on annual locker rentals
• Waiver on trading account opening fee of ₹975 and first year demat Annual Maintenance Charges (AMC) of ₹500
• Waiver of DD/PO charges of up to ₹1.5 lakh per day
• Free Anywhere Banking.

*At select branches.

To know about service charges of Gold Privilege Savings Account, Click Here.

ONLY CHARGES w.r.t. Gold Privilege Savings Account to be included.

Click here to view the documents required to submit for opening an ICICI Bank Basic Savings Bank Account?

•    He/She should be a resident Indian/NRI/OCI.
•    The subscriber should be between 18 and 70 years on the date of application.
•    He/she has to provide the KYC documents (Identity AND Address proof as per PFRDA guidelines) for registering to NPS.

• Introduction by the company (Stamped and Signed by the authorised signatory)
• Photocopy of the Pan Card
• Address proof

Any one of the following documents will suffice as valid Address proof:

• Aadhaar letter/card
• Passport
• Driving Licence
• Voter ID card
• PAN intimation letter
• Job card issued by NREGA

Two cheque books of 10 leaves each will be issued free of charge every year.
After that, there is a charge of Rs 20.00 plus 18% Goods and Services Tax (GST) w.e.f. July 1, 2019. This will be applicable per cheque book.

If the monthly salary is not being credited into your account continuously for 6 months, your salary account will be converted into 'Regular Salary Account' as per the standard terms & conditions. Also, you would be unable to convert your existing account to a zero balance account.

We would advise you to convert the existing salary account to general savings account, with a monthly average balance to be maintained at minimum of Rs.10,000.00 or as applicable. The details regarding the Terms & Conditions and service charges pertaining to general savings account have been updated on our website www.icicibank.com > Service Charges & Fees.

Please visit any ICICI Bank branch and provide your ID and Address proof to convert the salary account to general savings account. To locate the nearest ICICI Bank branch, visit maps.icicibank.com/mobile
 

• Free Gold Privilege Debit Card with exciting offers & Visa Privileges
• Unlimited cash withdrawal transactions at ICICI bank’s ATM, free of charge
• Avail 20% discount on annual locker rentals
• Waiver on Trading account opening fee of Rs. 975 and first year Demat Annual Maintenance Charges (AMC) of Rs. 500
• Waiver of DD/PO charges of up to Rs. 1.5 lac per day
• Free Anywhere Banking
• Money Multiplier Facility
• Free multi-city chequebook
• Free Internet Banking and Mobile Banking
• Free Email Statement facility
• Standing instructions facility

Your contributions will not earn any specified rate of return. The PFM will invest your savings in a scheme of your choice. The returns earned by the PFM on the scheme selected by you will be credited to your account.

For detailed scheme details please refer to the offer document available on http://pfrda.org.in/.
 

You can approach us in any of the following ways:

• Call our Customer Care
• Walk into any of our branches.

You can approach us in any of the following ways:

• Call our Customer Care
• Walk into any of our branches.

Please track the status of your cheque book deliverable through the below mentioned channels: 

Internet Banking: 
Please login to www.icicibank.com with your User ID and Password > Customer service > Service request > Track your deliverables > Track Your Shipment > Enter Courier AWB Number or Enter ICICI Bank Account Number > Submit. 

Click here to track deliverable 

iMobile:
Login to iMobile > Smart keys and services > Check Status > Track deliverables

Once the cheque book request is placed you will receive it within 9 working days ,however the delivery will be attempted by Courier within 5 working days.

Customer Care:
You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.
To know the local Customer Care numbers, please click here.

No.

The salary account will be converted into Regular Salary Account under the following scenarios:

• If your management informs the bank that you are not working in that organisation.
• If your salary is not getting credited into the account for a period of 6 months or more.

In both the above cases, the bank will have an authorization to change your salary account into Regular Salary account where you have to maintain a monthly average balance of Rs.10,000 per month or as applicable from time to time.

You may call our new missed call alert facility number from the registered mobile number to know your account balance and last 3 transactions through an SMS.

The call will get disconnected automatically and an SMS will be sent to the registered mobile number of the user.

• To check account balance, you need to dial 9594612612.
• To check on last three transactions, you need to dial 9594613613

Alternatively, you may check the balance through iMobile, Internet Banking or by calling our Customer Care.

To know the Customer Care numbers, we request you click here

ICICI Bank Basic Savings Bank Account is available for Indian Residents above the age of 18 years only. The account is not available to individuals in the capacity of HUF Kartas. NRIs are not eligible for this account.Customer should not be holding any other Savings Account with ICICI Bank.

National Pension System is India's simplest and perhaps the least cost pension system. 

National Pension System (NPS) has been introduced by the Central Government on 01 January 2004, and is being regulated by Pension Fund Regulatory and Development Authority (PFRDA).

With effect from today (1st May 2009) New Pension System has been extended to all citizens of India on a voluntary basis. NRIs can also apply.

Key features of NPS :

• Unique & Portable Permanent Retirement Account Number (PRAN)
• Pension system is envisaged to be based on two types of sub-accounts created for individual subscribers :
   
  • Tier-I non-withdrawable pension account, and
  • Tier-II withdrawable savings account.
  • Multiple funds and scheme options.
  • Annuity at retirement

ICICI Bank has been appointed as one of the Point of Presence (PoP(s)) for registering applicants to the NPS. Designated branches of ICICI Bank have been registered as Service Providers (POP-SP(s)).

On registration to the NPS, the subscriber will be issued a Permanent Retirement Account Number (PRAN). After receiving the PRAN, customers can deposit monies in their PRAN on a regular basis.

• He/She should be a resident Indian.
• The subscriber should be between 18 and 65 years on the date of application.
• He/she has to provide the KYC documents (Identity AND Address proof as per PFRDA guidelines) for registering to NPS.
• Subscriber can choose any one Pension Fund Manager (PFM) of the 6 registered (PFM) for managing his deposits.
• The subscriber can either let the PFM decide in which asset classes to deposit his investments (AUTO CHOICE)

• He/She can indicate his investment choices (ACTIVE CHOICE) in the 3 asset classes in percentage

EQUITY (maximum 75 percent in Equities is allowed)
CORPORATE BONDS
GOVERNMENT BONDS

• Initial minimum contribution amount along with the Subscription application is Rs.500/- in cash or cheque. If the same is in cheque, it should be drawn in favour of " ICICI BANK Collection a/c- NPS trust"
• Minimum amount to be deposited in the PRAN annually is Rs.6000/-.
• Subscriber has to make a minimum of 1 transactions (contribution deposits) in the account each year.
• An amount of Rs.40 plus service tax applicable (10.30% currently) will be deducted from the initial contribution towards processing fees.
• Rs.20 plus service tax applicable will be deducted from subsequent contributions deposited by the subscriber.

The account is available for Resident Individual (sole or joint account), Foreign national and Hindu undivided family (HUF) customers, above age of 18 years.

This account is also available for minor customers below 18 years and Senior citizen customers who have completed 60 years.

Detailed information is available on http://pfrda.org.in/. Click on "NPS Architecture".

To update new employer name in your salary account, login to your Internet Banking Account > Customer Service > Service Requests > Bank Accounts > More > Account Details Modification Related > Request to update Company/employer name in the account.

The request will be processed in 1 working day.

Note: You may make the above request only if the salary is getting credited from the new employer.

In case the salary is not getting credited from new employer, you may visit the nearest ICICI Bank branch along with the letter from your new company Human Resource (HR), stating that your salary is getting credited to this account and get it duly stamped from your HR along with the latest pay slip and photo ID proof and submit it at nearest ICICI Bank branch. To locate the nearest ICICI Bank branch, visit maps.icicibank.com/mobile .
 

(a) Pension Fund Regulatory and Development Authority (PFRDA)
(b) Central Record-keeping Agency (CRA)
(c) Pension Funds (PFs)/Pension Fund Managers
(d) Annuity Service Provider (ASP)
(e) Trust & Trustee Bank (TB)
(f ) Point of Presence (PoP)

Description of the above entities :

(a) Pension Fund Regulatory and Development Authority (PFRDA)

• PFRDA is the regulator for the NPS. PFRDA is responsible for registration of various intermediaries in the system such as Central Record Keeping Agency (CRA), Pension Funds, Custodians, NPS Trustee Bank, etc. PFRDA shall also monitor the performance of the various intermediaries and ensure that all stakeholders comply with the guidelines/regulations issued by PFRDA from time to time.

(b) Central Record-keeping Agency (CRA)

• The record-keeping, administration and customer service functions for all subscribers of the New Pension System will be centralized and performed by the CRA. The CRA shall, on the basis of instructions received from subscribers, transmit such instructions to the appointed Pension Funds on a regular basis. The CRA will also provide periodic, consolidated PRAN statements to each subscriber. National Securities Depository Limited (NSDL) has been appointed as the CRA for NPS by PFRDA.

(c) Pension Funds (PFs)/Pension Fund Managers

• Appointed PFs would manage the retirement savings of subscribers under the NPS. PFs would use their secure access codes to confirm receipt of netted assets and instructions regarding fund allocation, confirm allocation of funds and communicate the NAV of each scheme to CRA on a regular basis. The PFs will be required to invest strictly in accordance with guidelines issued by the PFRDA. The list of Pension Funds under NPS for all citizens other than Government employees is attached as Annexure 3.

(d) Annuity Service Provider (ASP)

•  ASPs would be responsible for delivering a regular monthly pension to the subscriber for the rest of his/her life. On receipt of personal and banking information details of subscriber from CRA and of specified sum from the trustee bank the ASP would use its access codes to confirm receipt. ASP would then begin payments of annuities to the subscriber.

(e) Trust & Trustee Bank (TB)

• A Trust would be responsible for taking care of the funds under the NPS. The Trust would be the registered owner of all NPS assets. The trust would hold an account with a bank and this bank has been designated as NPS Trustee Bank. NPS Trustee Bank will facilitate fund transfers across various entities of NPS system viz. PFM, Annuity Service Providers, subscriber, etc. PFRDA has already established NPS Trust under the provisions of the Indian Trusts Act w.e.f. 27th February 2008 and Bank of India is functioning as NPS Trustee Bank. The NPS Trust is being administered by the Board of Trustees, as constituted by the PFRDA.

(f ) Point of Presence (PoP)

• PoP shall be the first point of interaction between the voluntary subscriber and the NPS architecture. PoP shall perform the functions relating to registration of subscribers, undertaking Know Your Customer (KYC) verification, receiving contributions and instructions from subscribers and transmission of the same to designated NPS intermediaries. The complete list of all PoP(s) shortlisted in this phase is attached as Annexure 2. Detailed functions to be performed by the PoP(s) are given under Key Features. PoP(s) and their authorized branches (PoP-SP(s)) shall also be required to comply with the provisions of the Prevention of Money Laundering (PML) Act , 2002 and the rules framed there under, as may be applicable, from time to time.

To know the list of branches that accept the National Pension System (NPS) form, please visit our website www.icicibank.com > Products  > Accounts & Deposits > Pension Accounts  > National Pension System > NPS Enabled Branches.

You can access your Basic Savings Bank Account through:
ICICI Bank branches
ICICI Bank ATMs

To know more about frequently asked questions, Click Here.

Post confirmation of PRAN generation, please submit the below mentioned documents to any ICICI Bank National Pension System (NPS) enabled branch for account continuation.

List of Documents:
    •   Application form (original + copy)
    •   1 set of self-attested KYC documents (PAN card, Address proof, passport size photograph)
    •   Cancelled ICICI Bank Cheque

Please note:
    •   The details in the documents should be same as filled in the Service Request
    •   The Address and ID details should be the same as available in the bank records
    •   Please mention the SR number and PRAN on top of the form 

To know the list of NPS Enabled Branches, you may visit our website www.icicibank.com > Products  > Accounts & Deposits > Pension Accounts > National Pension System > NPS Enabled Branches.
We request you to submit the form at any nearest NPS enabled branches.
The documents should be received within 2 weeks for successful continuation of the account, else the NPS Account will be frozen
 

A minimum of 2 and a maximum of 6 members of a family can form a Family ID.

What is a Value Added Savings Bank Account?

To apply for a passbook, you may visit your ICICI Bank branch.

Once the account is subscribed to Passbook, statements will be discontinued, however you can check the transaction details online in the 'Detailed Statement' section.

Click here for the rate of interest that you will earn on the balance in ICICI Bank Basic Savings Bank Account.

Yes, Customer have a choice of selecting local/ multicity cheque however no frill,student ,semi urban and rural account holders will get a local cheque book.

The key benefits of Family Banking include the following:

• Pricing benefit: The minimum MAB required to be maintained at the Family ID level is much lower than the MAB required to be maintained at the individual Customer ID level to avail of the same product benefits. Illustration: The minimum required MAB for a Gold Privilege Account is Rs. 50,000 and the minimum required FMAB for a Gold Privilege Family is Rs. 1,00,000. If 4 members of a family group together to form a Gold Privilege Family, then the minimum balance required to be maintained per person is Rs. 25,000. This is much lower than the MAB of Rs. 50,000 required to be maintained at the individual level.
• Flexibility to maintain balances across accounts: Family Banking provides the flexibility to maintain the required minimum balance in any one or more of the accounts which are linked under the same Family ID.
• Privilege benefits to all members: Family Banking makes the superior product benefits of an upgraded status available to all members of the family linked under the Family ID while the required minimum balance can be maintained in any one of the accounts.
• All banking needs are catered to by a single 'Family' Bank.

Yes, two Savings Account holders can form a Savings Account Family ID.

Family Banking is available in the following 6 variants:

• Savings Family
• Silver Family
• Gold Privilege Family
• Titanium Privilege Family
• Wealth Management Family
• Global Private Clients Family

At least one of the members of the family should be either an existing Wealth Management or a Global Private Client at the time of creation of the family.

There is no minimum Monthly Average Balance requirement for the Wealth and Global Private Client Family. The Deposits and Investments Value (DIV) / Total Relationship Value (TRV) requirement is as per the definition at the individual level along with the applicable terms and conditions. For example, if the Deposits and Investments Value (DIV) required to be maintained for a Wealth Management Account holder is Rs. 25 lac, then the Deposits and Investments Value (DIV) required to be maintained by the Wealth Management Family is also Rs. 25 lac.

Similarly, for GPC Families, the Total Relationship Value (TRV) is Rs. 2 crore at the family level.

Yes, any member of the Family ID can leave the group at a later date by submitting the Family Banking Application Form. However, if a member who holds the Primary Customer ID wishes to leave the group, consent from all the remaining members of the family is required on the Family Banking Application Form. The Family ID will then be dissolved. The member who is leaving the group has to select a product of his choice post exiting from the Family ID and has to submit an application for product change along with the request for de-linking of name from the Family ID.

The rate of interest applicable for the savings account is 4% per annum. The interest is calculated at the end of the day on daily basis and credited quarterly (March, June, September and December, with effect from June, 2016).

Basic Savings Bank Account can be opened as a joint account.

Family members including parents, spouse, children, grand parents, grand children, in-laws and siblings of the Primary ID holder can be linked under the same Family ID.

Yes, the member who holds the Primary Customer ID in the family can sign the Family Banking Application Form and upgrade the family over-the-counter to the desired status. No fresh funds are required for this but the FMAB as per the upgrade variant required needs to be maintained. To upgrade the Family Banking account to the Wealth Management and Private Banking Family status, at least one of the members under the Family ID is required to be a Wealth Management Client and a Private Banking Account holder.

We request you to follow the below steps to transfer the account to other branch.

Please login to your Internet Banking Account > My Accounts > Bank Accounts > Service Requests > Transfer Your Account Online > Account will be transferred within 2 working days.

please click here to transfer of account from one branch to another

Alternatively, you may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.
To know the local Customer Care numbers, please click here.

Please visit the nearest ICICI Bank branch along with your valid ID proof. To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile.

You are requested not to do any transaction during these 2 working days. If any transaction is made during the processing period, your request for transfer of account will not be processed.

The following details of your account remain unchanged after the transfer of account:

Your 12 digit bank account number will not be changedExisting ECS mandates, standing instructions and post-dated cheques already issued will continue to be valid for the account.

Members of a family can group their deposit relationships with ICICI Bank under a single Family ID which includes the Savings, Fixed Deposit and Recurring Deposit Accounts.

You will need to fill up the Family Banking Application Form and provide the relevant details. The family is required to define the head of the family and this will be recognised as the Primary Customer ID by ICICI Bank.

Any member of the Family ID is eligible to become the Primary Customer ID, except for Young Star and Bank@Campus Account holders.

The non-maintenance of FMAB charges are collected from the Primary Customer ID's account. If there is an insufficient balance in these accounts, then the charges are recovered from any other account under the Family ID.

Yes, a new member can be added to the Family ID at a later date. The Family Banking Application Form is to be filled-in and signed by the new entrant. Also, consent from all the existing members of the Family ID needs to be obtained.

Yes, members of a Family ID can use the Family Banking Application Form to close the Family ID relationship with ICICI Bank. Consent from all the members of the family is required on the Family Banking Application Form.

You may place a request for non receipt of your cheque book through the below mentioned channels.

Internet Banking: 

Please login to your Internet Banking Account >Customer Service >Service Request>Bank Accounts > more> Cheque Book/ DD Related > Request for Re-dispatch of undelivered Debit card/Cheque Book.

Customer Care :

You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers, please click here

The first delivery attempt will be done within 5 working days from the date of request.

Cheque stop payment charges:
Rs. 50 per cheque and Rs. 100 for range of cheques covered in single mandate.
No charge is levied, if stop payment request is made through Internet Banking and Customer Care (IVR).

Nomination facility is available for Basic Savings Bank Account.

• There can be only one Nominee for a deposit account whether held singly or jointly.
• A person legally empowered to operate a minor's account can file a nomination on behalf of the minor.
• Applicants can make nomination by filling up the Form prescribed under the Banking Companies (Nomination) Rules 1985.
• The nomination details can be changed during the subsistence of the account relationship by filling up the Form prescribed under the Banking Companies (Nomination) Rules 1985.
• For more details, visit any of our branches.

Savings Family Banking

• Enjoy moments of togetherness: A single 'Family' bank to cater to all the banking needs of your family.
• Superior account benefits and privileges to all family members.
• Maintain a lower minimum Monthly Average Balance (MAB) at the family level. Each family member need not have to maintain minimum MAB individually
• Flexibility of maintaining the required minimum MAB in any one (or more) of the accounts that members of the family hold with ICICI Bank.

Only Savings Account holders, with the exception of the No Frills, HUF and NRI Account holders are eligible to form the Family ID. Account holders who have only Fixed Deposit or Recurring Deposit Accounts are not eligible to form a Family ID under Silver Family, Gold Privilege Family, Titanium Privilege Family, Wealth Management Family or GPC Family.
Only Savings Account, Advantage Woman Savings Account, Senior Citizen Savings Account and Youngstars Savings Account are eligible to form the Family ID, under Savings Family.

Yes.

ICICI Bank has a product tailormade for customers like you. We have tied up with Wells Fargo in US and you can apply for a Wells Fargo bank account here itself. If you have a bank account with ICICI Bank and a satisfactory banking record you can apply for this facility. This facility will be provided to you if you are going to US on B, L, H Visa or Work Permit. For more details contact the nearest ICICI Bank branch.

• Special Senior Citizens Desk to cater to all banking transactions
• Special Senior Citizen 'Life Plus' Debit card free of charge
• Unlimited cash transactions at branch, free of cost
• Higher interest rates on term deposits
• Free SMS alert facility

For privilege senior citizen accounts, Click Here.

The minimum Monthly Average Balance (MAB)* to be maintained in your Silver Savings Account is Rs. 25,000.

Charges for Non-maintenance of Minimum MAB (NMMAB) with effect from June 1, 2016:

Rs. 100 + 5% of the shortfall in required MAB or Rs. 500 whichever is lower .

*Waiver of NMMAB charges is subject to FD of minimum Rs. 1.25 lakh under the same Customer ID.

Cash transactions (deposits and withdrawals) at the base branch i.e. all branches/ Cash Acceptor Machine in the same city: 
Nil for the first 4 transactions in a month; thereafter ₹5 per thousand rupees or part thereof, subject to a minimum of ₹150 in the same month (Maximum limit for Self: Any Amount and for third party: ₹50,000 per day).

Anywhere Cash withdrawal charges for customer or customer's representative to debit the customer's own savings account at a non-base branch i.e. branch in other city. 
Nil for the first cash withdrawal of a calendar month.
Thereafter in the month, ₹5 per thousand rupees or part thereof, subject to a minimum of ₹150 (Maximum deposit limit for Self: Any Amount and for third party: ₹15,000 per day).

Anywhere Cash deposit charges for customer or customer's representative to credit the customer's own savings account at a non-base branch i.e. branch in other city.
At Branch – ₹5 per thousand rupees or part thereof, subject to a minimum of ₹150 (Maximum deposit limit for Self: Any Amount and for third party: ₹50,000 per day).
At Cash Acceptance Machine - Nil for the first cash deposit of a calendar month; thereafter in the month,₹5 per thousand rupees or part thereof, subject to a minimum of ₹150.

For more details, please click here

Yes, if you request for your FD receipt, we will dispatch it to you by courier at the address given by you at the time of opening the Tax-Saver Fixed Deposit Account.

The returned cheque will be receive it within 8 working days at your registered communication address.

For more details you may call our customer care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers,please Click Here

You may view the charges at www.icicibank.com > Service Charges & Fees > Personal Banking > Savings Accounts > Common Charges Across Savings Accounts.
Alternatively please click here

Thank you for your interest in opening a Savings Account with ICICI Bank. Click here to open new Savings Account

You can view and download the Savings Account Statement through Internet Banking:

Login with your User ID and Password to view and download your account statement up to the last <4> years or register to receive statements on your e-mail ID. You can request for the User ID and generate Password instantly online.

Log in to Internet Banking > Bank Accounts > View Detailed Statement > Click ‘e-Statements’ > Select the period to view/ download the statement.

We send you statements in password protected Portable Document Format (PDF) for security reasons.

You need an 8-character password to view your e-mail account statement.

The first four letters of your password are the first 4 letters of the name of your account, followed by your date and month of birth OR date and month of incorporation in case of Current Account (in DDMM format). The password is case-sensitive (lowercase). Please do not include any special characters, spaces or salutations (if any). In case of joint account, the details of the first account holder need to be entered in the above format. For example, if your account is in the name of Sujit Sawant and date and month of birth is January 5, then your password will be suji0501. If name of account (Current Account) is ABC Enterprises and date of incorporation is January 5 then your password will be abce0501.
Or

Please enter 12-digit account number as password whose last 3 digits would be mentioned in the subject line of the e-mail sent to you.

We request you to update your communication address in your savings account through any of the below mentioned channels:

Internet Banking:
Login to Internet Banking > Customer Service > Service Requests > Bank Accounts > Request for Updation of Communication Address. 

Steps to follow:
Web page will be displayed for updating the address in 
1) All linked bank accounts
2) All linked credit cards
3) Both (accounts and credit cards).

Select the appropriate option
-Existing address as updated in bank records will be displayed
-Select the address proof document to upload from the drop down
-Upload the clear scanned image of the document chosen (File size should not exceed 500 Kb)
-Post uploading the document, enter the required details
-Read the T&C provided and tick mark the option I agree to submit your request.

Click here to change the address 

ICICI Bank branch:
Please visit the nearest ICICI Bank branch, along with any of the following original ID proof and address proof. 

Identification Proof:
1. Valid Passport with photograph and signature
2. Driving licence (Handwritten or laminated) issued by Regional Transport Authority
3. PAN Card issued by Income Tax Department/ UTI Infrastructure Technology and Services Limited (UTIITSL)/ National Securities Depository Limited (NSDL)
4. Voter ID Card issued by the Election Commission of India
5. Job Card issued by National Rural Employment Guarantee Act (NREGA) duly signed by an officer of the State Government
6. Aadhaar Card/ E-Aadhaar issued by Unique Identification Authority of India (UIDAI).

Address Proof:
1. Valid Passport with photograph and signature
2. Driving licence (Handwritten or laminated) issued by regional transport authority
3. Voter ID Card issued by the Election Commission of India
4. Job Card issued by NREGA duly signed by an officer of the State Government
5. Aadhaar Card/ E-Aadhaar issued by Unique Identification Authority of India (UIDAI).

To locate the nearest ICICI Bank branch, Please Click Here.
 

You can change the nominee(s) by making a declaration to that effect, in the appropriate form, which is available at any of the ICICI Bank branches.

You can approach us in any of the following ways:

• Apply online
• Write to us at info@icicibank.com
• Call us at our 24 hour Customer Care Centre
• You can just walk into any of our branches

Yes, you can open a joint account with your spouse or your blood relative by providing us an acceptance letter from your company stating that they have no objection for the same.

ICICI Bank Recurring Deposit (RD) is an ideal way to invest small amounts of money every month and end up with a large kitty on maturity.

You may view the complete features of RD at www.icicibank.com > Products > Accounts & Deposits > Recurring Deposits.

Alternatively, you may click here.

You can change the nominee(s) by making a declaration to that effect, in the appropriate form, which is available at any of the ICICI Bank branches.

• Unlimited cash withdrawal transactions at any bank’s ATM, free of charge
• Free Anywhere banking
• Waiver of DD/PO charges of up to Rs. 1 lac per day
• Avail 15% discount on annual locker rentals

• Special Senior Citizen 'Life Plus' Debit card free of charge
• Unlimited cash transactions at branch, free of cost
• Higher interest rates on term deposits
• Money Multiplier Facility
• Free SMS alert Facility
• Anywhere Banking
• Free multi-city chequebook
• Free Internet Banking and Mobile Banking
• Free Email Statement facility
• Standing instructions facility
• Nomination facility is available

• A special Woman’s Debit card
• Unlimited cash withdrawal transactions at any Bank’s ATM, free of charge
• Money Multiplier Facility
• Anywhere Banking
• Free multi-city cheque book
• Free Internet Banking and Mobile Banking
• Free Email Statement facility
• Standing instructions facility
• Nomination facility is available

For privilege advantage woman accounts, Click Here.

What are the features of a Child Education Plan?

The following documents are required:

• Proof of identity
• Proof of communication address
• Self-cheque

Anywhere banking facility allows you to operate your account from a branch other than the branch where you have opened your account.
The various activities you can undertake under Anywhere Banking facilities are:

• Cash withdrawal up to Rs 15,000 per day.
• Cash deposit up to Rs 50,000 per day * .
• Local clearing Cheque deposit upto a maximum of Rs. 15,000/- per cheque .
• Balance Enquiry.
• Account statement.
• Issue of PO and DD for a maximum amount of Rs. 50,000 per PO/DD.

* Subject to terms and conditions.

You can apply for ICICI Bank Savings Account through any of the below channels.

• Apply for Savings Account online. Apply now
• Invite our Tab Banking officer to open your account
  • Call on our toll free number 1800 200 3045
  • Send an SMS 'TAB' to 5676766
  • Place request through our website
  • Walk into any of our branches

We request you to update your PAN card  through any of the below mentioned channels:

Internet Banking:

Please log into net banking > Customer service > service request > Account Details Modification Related> View/update Pan card 

Click here to update PAN number

iMobile:

Login to iMobile> Select smart keys and services>insta banking services>update Pan

Customer Care:

You may place a request by calling our Customer Care between 7:00 a.m. and 9:00 p.m. To know the local Customer Care numbers, we request you to click here

ICICI Bank Branch:
Visit the nearest ICICI Bank branch along with original photo ID proof. To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile.

You can update the mobile number through any of the following channels:

ICICI Bank ATM:

Visit the nearest ICICI Bank ATM > Select ‘More options’ > Register your Mobile > Enter the mobile number. Your mobile number will be updated in 1 working day.

ICICI Bank branch:

Please visit the nearest ICICI Bank branch along with your original photo ID proof. Once the request is made, your mobile number will be updated in 2 working days. To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile

We have discontinued mobile number registration/ de-registration/ modification through our Customer Care and internet banking due to security reasons.

Life Plus Senior Citizen Savings Account : Minimum monthly average balance (MAB)* Rs.5000

(W.e.f. June 1, 2016 :  Rs.4500) 

Charges for non maintenance of minimum monthly average balance (NMMAB): Rs 100 per month

(W.e.f. June 1, 2016 : 5% of the shortfall in required MAB or Rs. 100 whichever is lower).

To know more about frequently asked questions, Click Here.

The details regarding the Terms & Conditions and Monthly Average Balance/ service charges pertaining to the savings account (Based on the type of account you are holding) have been updated on our website www.icicibank.com > Rates and Charges (Bottom of the page) > Service Charges and Fees > Personal Banking > Savings Accounts.

1-2-3 cashback is an offer for Salary Savings Account (SA) customers of the identified corporates where they earn cashback on debit card spends.

You may click here to know the details of 1-2-3 cashback offer:

If you have already updated your mobile number in your savings account and still you are not receiving OTP or URN alerts, you may call our Customer Care from your registered mobile number between 7:00 a.m. and 9:00 p.m. To know the local Customer Care numbers, please click here

The account is available for Resident Individual (sole or joint account), Foreign national and Hindu undivided family (HUF) customers, above age of 60 years.

You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number to know the account status.

To know the local Customer Care numbers, please click here

Yes. As per regulatory guidelines, a PAN card is mandatory to open a savings account.

To view/change the signature in your account, You are required to visit any ICICI Bank branch along with valid ID Proof. To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile

You may avail mini statement of your account through any of the below mentioned channels:

Internet Banking: 
Login to your Internet Banking Account > My Accounts > Bank Accounts > View Mini Statement

iMobile: 
Login to iMobile > Accounts & Deposits > Select Savings Account Number to view the Last 10 Transactions

ATM: 
Insert your debit card > Enter the PIN > Select Type of Account > Select Mini Statement.
You will receive the mini statement instantly.

The charges for Non Maintenance of minimum Monthly Average Balance (NMMAB) depends on the type of Savings Account your are holding with ICICI Bank.

For more details, please click here
 

You will be able to place a request for Internet Banking Password through below mentioned channels:

Internet Banking:
You can generate your login password at www.icicibank.com > Click on ‘Internet Banking’ (Bottom of the page) > Get Started > I Want my Password

Customer Care:
You may place a request by calling our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.
To know the Customer Care numbers, we request you to click here

ICICI Bank branch:

Visit the nearest ICICI Bank branch along with original photo ID proof. To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile

To update your overseas mobile number in your resident account, please follow the below steps, if the duration of your overseas stay is less than 180 days:

1. Call our Customer Care from your international number
2. Note down the Service Request number shared by our Executive
3. Download the request form available under the Form Center on our website
4. Dully fill in the request form and send it to the address mentioned on the form, within 7 working days
5. Post receipt of the form, we shall update the mobile number on your account within 7 working days.

Note:
1. If your duration of the stay is greater than 180 days, please convert your account to NRO account. You may go to Customer Service > Service Requests > Bank Accounts > Request for Conversion of SB Account to NRO Account.

2. Request will be completed only if the form is dully filled in and the Service Request number is mentioned on the form.

You may click here to download the form.
OR
Go to www.icicibank.com > Others > Form Center > Personal Banking > Sign Up For > Overseas Mobile Number Updation Form for Resident Customer.

ICICI Bank Advantage Woman Account is a Savings Account for the woman of today who is looking for independence and an identity of her own, a Savings Account which will help her save for the future as well enjoy the present.

This Savings Account brings to you all our core banking services with many exciting benefits and features attached, especially for our women customers.

• A special Woman’s Debit card
• Unlimited cash withdrawal transactions at any bank’s ATM, free of charge

For privilege advantage woman accounts, Click Here.

The account can be opened with primary applicant as any resident Indian woman (majors above 18 years).

The minimum Monthly Average Balance (MAB) required to be maintained for Advantage Woman Savings Account is Rs. 10,000.

Charges for Non-maintenance of Minimum MAB (NMMAB) with effect from June 1, 2016.

To know more about frequently asked questions, Click Here.

What are the eligibility criteria for opening a Child Education Plan?

What documents do I need to submit for opening an ICICI Bank Child Education Plan?

The minimum installment amount for Child Education Plan is Rs. 500 and thereafter in multiples of Rs. 100.

Child Education Plan will earn prevailing fixed deposit interest rates for the entire deposit period, i.e. same rate of interest in Investment and Benefit Phases. The rate of interest applied will be as per the total tenure of Child Education Plan, including both Investment and Benefit Phases. Even if the rate of interest changes, the Child Education Plan will continue to earn the contracted rate of interest in both the phases.

The frequency of the equated payouts will be chosen by you while filling up the form for investing in this Plan. The periodicity of payout can be chosen as either Quarterly or Annual.

Yes, the Child Education Plan can be prematurely closed. However, interest on Deposit shall be paid to the Depositor/s only for such period for which the deposit is maintained with ICICI Bank, instead of the entire tenure, at a rate which is applicable for such period and shall also be subject to deduction of applicable penal interest at such rate as may be specified by ICICI Bank.

No.

Yes. A loan of 90% will be sanctioned against the principal account balance of the Recurring Deposit in Investment Phase. In the Benefit Phase, the loan will be available at 75% against the remaining account balance of the FD and not the original principal amount.

Yes, you can set up standing instructions through your ICICI Bank Account for paying the installments of the Child Education Plan in the Investment Phase. For more details, please visit any ICICI Bank branch.

Easy receive account is a resident savings bank account for customers who receive remittances from abroad. This account will cater to the domestic banking needs while offering additional benefits for remittances received in the account.

The following are some of the special benefits available with the Easy Receive Account:

• No minimum balance to be maintained, if you receive at least one inward remittance in the last three months
• Higher daily limit of Rs. 50,000 for cash withdrawal at ATMs.
• FREE cash withdrawals at non-ICICI Bank ATMs (W.e.f 01-04-2009)
• Mobile and e-mail alerts as soon as the remittance amount gets credited into your account

This account also provides the other regular benefits such as:

• Free cash withdrawal and balance enquiry at ICICI Bank ATMs
• Cash withdrawal over 8,000 ICICI Banks ATMs and over 16,000 VISA ATMs in India and make purchases at over 100,000 merchant establishments in India
• Convenience of electronic banking channels such as Phone banking, Mobile Banking and Internet Banking.

You can approach us in any of the following ways:

• Write to us using the "Email Us" option
• Call us at our 24 hour Customer Care Centre
• You can just walk into any of our branches.

Yes, an Easy Receive Account can be opened as a joint account.

What documents do I need to submit for opening an ICICI Bank No Frills Account?

You can approach us in any of the following ways:

>Write to us using the "Email Us" option
Call us at our 24 hour Customer Care Centre
You can just walk into any of our branches.

• Titanium Debit Card with exciting offers & Visa Privileges
• Money Multiplier Facility
• Anywhere Banking
• Free multi-city chequebook
• Free Internet Banking and Mobile Banking
• Free Email Statement facility
• Standing instructions facility
• Nomination facility is available

Minimum Monthly Average Balance (MAB) for a savings account:

Metro and Urban locations - Rs. 10,000
Semi-urban locations - Rs. 5,000
Rural locations - Rs. 2,000
Gramin locations - Rs. 1,000

Charges for Non-maintenance of Minimum MAB (NMMAB) with effect from June 1, 2016:

Metro/ Urban/ Semi-urban/ Rural locations: Rs. 100 + 5% of the shortfall in required MAB.
Gramin locations: 5% of the shortfall in required MAB.

You may know the charges applied on your account through the below mentioned channels:  

Internet Banking: 

Login to www.icicibank.com > Service Charges & Fee (available at the bottom on the page) > Common Charges Across Savings Accounts.

Click here to know more.

Customer Care:

You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. 

To know the local Customer Care numbers, please click here.

ICICI Bank Branch:

Please visit the nearest ICICI Bank Branch along with your valid ID proof. To locate the nearest ICICI Bank Branch, visit maps.iciciBank.com/mobile .

To know more about frequently asked questions, Click Here.

What are the features of an ICICI Bank Rural Savings Account?

Your management can choose to disburse the reimbursements payable to you through a zero balance operative account, which is known as a Reimbursement Account.

You will not have to spend time standing in a queue in your organisation to collect your reimbursements. It also helps you in filing your tax returns.

The Reimbursement Account can be opened simultaneously along with the ICICI Bank Salary account, which would be linked with the debit card held by you.

Phone Banking gives you the convenience of 24 hours banking on your fingertips. You can do all the following and many more transactions on the phone:

• Balance Enquiry.
• Cheque Status.
• Cheque Book Request.
• Stop Payment Request.
• Utility Bill Payments.
• Mobile alerts.

Also if you want to enquire about the balance in your account you can use the TPIN number provided to you and can check the status directly without having to wait in line for speaking to a customer service executive.

• Nomination facility available for bank deposits.
• There can be only one Nominee for a deposit account whether held singly or jointly.
• A person legally empowered to operate a minor's account can file a nomination on behalf of the minor.
• Applicants can make nomination by filling up the Form prescribed under the Banking Companies (Nomination) Rules 1985.
• The nomination details can be changed during the subsistence of the account relationship by filling up the Form prescribed under the Banking Companies (Nomination) Rules 1985.

For more details please contact your nearest ICICI Bank branch.

The Bank shall offer the Customers who are individuals a monthly e-mail statement of Account and in case registered e-mail id is not available a physical quarterly statement of Account would be sent to their communication address, free of cost. In case of Customers other than individuals, a physical monthly Statement of Account shall be issued free of cost by ICICI Bank. Customer/s shall also have the option to avail a monthly physical Statement of Account or a Passbook.

You can access your Savings Account through:

• ICICI Bank branches
• ICICI Bank.com
• ICICI Bank ATMs
• Phone Banking
• Mobile Banking

To change/update your e-mail id for your Bank Account, please follow the below steps.

Internet Banking:

Please login to www.icicibank.com with your User ID and Password > My Accounts > Bank Accounts > Account Statement by e-mail > Enter the required details and submit the request. The e-mail ID will be updated immediately.

click here to update your email address 

iMobile:

Login to ICICI Bank iMobile app > Click on Smartkeys & Services  > Click on Insta banking Services > Update E-mail id><It will prompt you to login , after login > Enter the new E-mail id and Submit.

Customer Care:

You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers, please click here

ICICI Bank Branch:

Please visit the nearest ICICI Bank branch along with your valid ID proof. To locate the nearest ICICI Bank Branch,visit maps.icicibank.com/mobile.

To know more about frequently asked questions, Click Here.

• Smart Shopper Silver Debit Card with exciting offers & Visa Privileges
• Unlimited cash withdrawal transactions at any Bank’s ATM, free of charge
• 15% discount on locker rental
• Free Anywhere Banking
• Money Multiplier Facility
• Free multi-city chequebook
• Free Internet Banking and Mobile Banking
• Free Email Statement facility
• Standing instructions facility
• Nomination facility is available

The account is available for Resident Individual (sole or joint account), Foreign national and Hindu undivided family (HUF) customers, above age of 18 years.

This account is also available for minor customers below 18 years and Senior citizen customers who have completed 60 years.

To know about service charges of Silver Savings Account, Click Here.

3-in-1 account is an unique online trading account. Link your banking, trading and demat accounts with our seamless, secure and integrated 3-in-1 trading platform.

Click here to know more.

Click here to Apply now.
 

For change of zip or postal code of the communication address updated in your account, you may call our Customer Care from your registered mobile number between 7:00 a.m. and 9:00 p.m. To know the local Customer Care numbers, please click here
 

The charges reflecting in your statement as 'ANW CHRGS' is the Anywhere Cash deposit charges/ Anywhere Cash Withdrawal charges.

Anywhere Cash withdrawal charges is when the customer or customer's representative debit the customer's own savings account at a non-base branch i.e. branch in other city. 

• Nil for the first cash withdrawal of a calendar month.
• Thereafter in the month, ₹5 per thousand rupees or part thereof, subject to a minimum of ₹150 (Maximum deposit limit for Self: Any Amount and for third party: ₹15,000 per day).

Anywhere Cash deposit charges is when customer or customer's representative credit the customer's own savings account at a non-base branch i.e. branch in other city.

• At Branch – ₹5 per thousand rupees or part thereof, subject to a minimum of ₹150 (Maximum deposit limit for - - Self: Any Amount and for third party: ₹50,000 per day).
• At Cash Acceptance Machine - Nil for the first cash deposit of a calendar month; thereafter in the month,₹5 per thousand rupees or part thereof, subject to a minimum of ₹150.

For more details, please click here

No. As per Government notification, no loan against the Deposit can be extended in respect of the Tax-Saver FD scheme.

• Dedicated service area* at branches
• Enjoy priority access and priority processing of your requests
• Privilege benefits available to family members**
• Free Titanium Privilege Debit Card with exciting offers & Visa Privileges
• Unlimited cash withdrawal transactions at any bank’s ATM, free of charge
• Avail 40% discount on annual locker rentals
• Complete waiver of DD/PO charges
• Waiver on Trading account opening fee of Rs. 975 and first year Demat Annual Maintenance Charges (AMC) of Rs. 500
• Free Anywhere banking

Transaction related RFC (D) will be handled only at the base branch (i.e. branch where account was opened).

The Monthly Average Balance (MAB) is calculated on a simple average of day-end balances for a calendar month.

The minimum average monthly balance required to be maintained in your Bank@Campus account is Rs. 500/-

Charges for non maintenance of minimum monthly average balance (NMMAB):

Rs.100 per month

 (W.e.f. June 1, 2016 : 5% of the shortfall in required MAB).

You can change the nominee(s) by making a declaration to that effect, in the appropriate form, which is available at any of the ICICI Bank branches.

You can access your Bank@Campus Account through:

• ICICI Bank.com
• ICICI Bank ATMs
• Phone Banking

**Bank@Campus is offered to students from select institutes only at the discretion of ICICI Bank.

ICICI Bank presents “Child Education Plan”, a unique way to save for your child's future. To fulfill your child's dream & aspirations, begin by making small investments in a Recurring Deposit for a short tenure and receive regular payouts for the rest of the tenure in your child's “Youngstar Savings Account”. For details, please click here. This savings account brings to you all our core banking services with many exciting benefits and features attached, especially for our women customers.

What are the features of an ICICI Bank No Frills Account?

What is the eligibility criteria for opening an ICICI Bank No Frills Account?

The monthly average balance requirement for this account is nil.

What is the rate of interest that I will earn on the balance in my ICICI Bank No Frills Account?

What are nomination facilities available on a No Frills Account?

You can change the nominee(s) by making a declaration to that effect, in the appropriate form, which is available at any of the ICICI Bank branches.

Do Senior citizens get any extra benefit in an ICICI Bank No Frills Account?

You can access your No Frills Account through:

ICICI Bank branches
ICICI Bank ATMs
Phone Banking

• RFC (D) is single currency account. This account can be opened in Pound Sterling (GBP), US Dollar (USD), Japanese Yen (JPY) or EURO (EUR). Deposit in multiple currencies in a single account is not permitted. You can open several accounts, one for each of the permitted currencies.
• Protects your money from valuation risks due to exchange rate fluctuations.
• No exchange charges will be levied for converting foreign currency into Indian Rupees.
• This account will be maintained in the form of a current account. No interest is payable on deposits in these accounts.
• Foreign Currency buy rate of ICICI Bank as prevailing for that currency on the day of the transaction will be applicable for converting the foreign currency into INR.
• Foreign currency withdrawals are possible in the form of cash, traveller’s cheque, foreign currency DD. Withdrawal limit will be as per RBI guidelines.
• No ceiling on deposits in the account.
• No minimum balance.
• Nomination facility.

• Resident individual can open Resident Foreign Currency (Domestic) Account
• Account in the name of minor can be opened by legal/natural guardian.

No minimum balance requirement.

Yes.

Foreign currency acquired through the following means can be deposited into the RFC (D) Account:

• While on a visit to any place outside India. Payment received for services NOT arising from any business or anything done in India;
• From any person not residing in India and who is on a visit to India, as honorarium or gift or for services rendered or in settlement of any lawful obligation;
• Honorarium or gift while on a visit to any place outside India;
• Unspent amount of foreign exchange acquired from an authorised person for travel abroad;
• Gift from a close relative;
• Earnings through export of goods / services, or as royalty, honorarium or by any other lawful means;
• Disinvestment proceeds received by a resident account-holder on conversion of shares held to ADRs / GDRs under the Sponsored ADR / GDR Scheme approved by the Foreign Investment Promotion Board of the Government of India;
• Earnings received as the proceeds of life insurance policy claims/maturity/surrender values settled in foreign currency from an insurance company in India permitted to undertake life insurance business by the Insurance Regulatory and Development Authority;
• Amount received in any other manner as may be prescribed by the Reserve Bank of India.

Savings Account is available for Resident Individual (sole or joint account), Foreign national and Hindu undivided family (HUF) customers, above age of 18 years.

What is the eligibility criteria for opening an ICICI Bank Rural Savings Account?

What documents do I need to submit for opening an ICICI Bank Rural Savings Account?

Can approach us through your local Business Correspondent.

Rural Savings Account is a Zero balance account and hence there is no minimum balance requirement.

Click here for the rate of interest that you will earn on the balance in my ICICI Bank Rural Savings Account.

You can change the nominee(s) by making a declaration to that effect, in the appropriate form, which is available with the Business Correspondent.

Do Senior citizens get any extra benefit in an ICICI Bank Rural Savings Account?

Given below is a small list of transactions that you can do online:

Banking

• Balance enquiry.
• Transaction history.
• Use ICICI Bank Funds Transfer (eCheques) to:
• Transfer funds between your own ICICI Bank A/cs.
• Transfer funds to any ICICI Bank A/c.
• Transfer funds to any non ICICI Bank A/c.

• Free Titanium Privilege Debit Card with exciting offers & Visa Privileges
• Unlimited cash withdrawal transactions at any bank’s ATM, free of charge
• Avail 40% discount on annual locker rentals
• Complete waiver of DD/PO charges
• Waiver on Trading account opening fee of Rs. 975 and first year Demat Annual Maintenance Charges (AMC) of Rs. 500
• Complete waiver on DD/PO charges
• Free Anywhere Banking
• Money Multiplier Facility
• Free multi-city chequebook
• Free Internet Banking and Mobile Banking
• Free Email Statement facility
• Standing instructions facility

The account is available for Resident Individual (sole or joint account), Foreign national and Hindu undivided family (HUF) customers, above age of 18 years.

This account is also available for minor customers below 18 years and Senior citizen customers who have completed 60 years.

The minimum Monthly Average Balance (MAB)* required to be maintained for a new Titanium Privilege Account (Non–Senior Citizen) is Rs. 1,25,000.

Charges for Non-maintenance of Minimum MAB (NMMAB) with effect from June 1, 2016: 
Rs. 100 + 2% of the shortfall in required MAB or Rs. 500 whichever is lower.

*Waiver of NMMAB charges is subject to FD of minimum Rs. 6.25 lakh under the same Customer ID.

The minimum Monthly Average Balance (MAB)* required to be maintained for a new Titanium Privilege Account (Non–Senior Citizen) is Rs. 1,25,000.

Charges for Non-maintenance of Minimum MAB (NMMAB) with effect from June 1, 2016: 
Rs. 100 + 2% of the shortfall in required MAB or Rs. 500 whichever is lower.

*Waiver of NMMAB charges is subject to FD of minimum Rs. 6.25 lakh under the same Customer ID.

To check the name in your account, please login to your Internet Banking Account > Customer Service > My Profile.

Alternatively, you may view your name on the cheque book and bank statement.

We request you to visit nearest ICICI Bank Branch to unfreeze the account, if any.

To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile

Once the account is closed, you will not be able to access your account online.

In order to activate your account which is in debit freeze state, you need to visit the nearest ICICI Bank branch along with your original valid ID and address proof. Your account will be activated within 2 working days, once the request is submitted by you.
To locate the nearest ICICI Bank branch, visit maps.icicibank.com/mobile

The statements prior to year 2008 are purged off. The statement(s) for the purged period can be issued only in html format. 

To make a request for purged statement(s), please call our Customer Care from your registered mobile number between 7:00 a.m. and 9:00 p.m. To know the local Customer Care numbers, please click here
Or 
Write to us at customer.care@icicibank.com with your savings account number from your registered e-mail ID for further assistance.
 

The charges reflecting in your statement as 'SMAB' is Monthly Average Balance.

Your account status has been converted to ‘General Savings Account’, as your salary has not been credited into the account for a period of 3 months and more. 

For ‘General Savings Account’ the MAB to be maintained is Rs. 10,000. 

You may visit our website www.icicibank.com > Service Charges and Fees (Bottom of the page) > Personal Banking > Savings Account.
 

Please visit the nearest ICICI Bank branch, along with your original valid ID proof to know your account number. To locate the nearest ICICI Bank branch, visit maps.icicibank.com/mobile

The Employee Provident Fund (EPF) is a pension fund for the workforce engaged in the organised sector in India. In this case, the organisation contributes on behalf of the employee with an aim of retirement planning of the employee.

ICICI Bank has entered into a deal with the Employee Provident Fund Organization (EPFO), whereby the individual pensioners could receive their monthly pensions through their ICICI Bank Accounts.

For more details regarding EPFO, please visit our website www.icicibank.com >  Personal > Products > Accounts & Deposits > Pension Accounts > EPFO

To open an Employee Reimbursement Account (ERA) in ICICI Bank, you need to submit the following documents in any of our branches:

• Identity Proof: The HR department of the company will have to certify the identities and address of the employees whose accounts are being opened.
• Letter from your company's HR department (Authorised signatory of the company, whose signature is available in our records).

To locate the nearest ICICI Bank branch, visit maps.icicibank.com/mobile
 

You can refer all the ICICI Bank products for which there is a referral programme active and running at the time of referral. To view the list of referral programmes.

Below mentioned are the Demand Draft (DD) cancellation / duplicate / revalidation charges:

For Instrument value upto Rs.200.00 – Nil
For Instrument value above Rs.200.00 - Rs.100.00

You may also check the DD cancellation charges by visiting our website www.icicibank.com > Rates and Charges (at the bottom of the Home page) > Service Charges and Fees > Personal Banking >Savings Accounts > Common Charges Across Savings Accounts.

The charges of Demand Draft (DD) issuance from normal savings account are mentioned below:

Rs.50.00 per DD up to Rs.10,000.00; Rs.3.00 per thousand rupees or part thereof for DD of more than Rs.10,000.00, subject to a minimum of Rs.75.00 and maximum of Rs.15,000.00.

For Rural locations: 
For amounts up to Rs.10,000.00 – Rs.40.00, 
For amounts above Rs.10,000.00 to Rs.50,000.00 – Rs.60.00, 
For amounts above Rs.50,000.00 - Rs.3.00 per thousand rupees or part thereof (maximum of Rs.15,000.00).

You may view this information on our website www.icicibank.com > Service Charges and Fees > Personal Banking > Savings Accounts > Common Charges Across Savings Accounts.

For any clarification or more information, you may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers, please click here

Alternatively, you may write to us at customer.care@icicibank.com from your registered e-mail ID.

Demand Draft request on Internet Banking:

Please login to Internet Banking with your User ID and Password > My Accounts > Bank Accounts > On left hand side there is 'My shortcuts' option in which you need to select a 'Service request' option & then just type 'Demand Draft' in the service request search description. Use the displayed option to make a request, however please note that the DD will be delivered to your communication address only. 

If you want the demand draft to be sent to your branch address, you may visit the branch or you may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.

To know the local Customer Care numbers, please click here.

Demand Draft request on iMobile: 

The ICICI Bank Referral programme serves as a platform through which you can refer multiple ICICI Bank products/services to your family and friends. You can also view the status of your referrals and related rewards through your account online.

No, the referral programme is open to anyone who wishes to recommend ICICI Bank products/services.

No, there are no charges for registration.

To register, please visit www.icicibankrefer.com and click on the 'Register Now' tab at the top of the homepage. You will need to give us your details like name, email id, mobile number and will be able to login to the system with the help of your mobile number. You can refer your friends and family using your Facebook/email accounts.

Each referral programme has different stages at which it rewards the referrer and/or the referred person. Please refer to the information given about each referral programme at www.icicibankrefer.com for details about the rewards.

Each referral programme has different rewards in the form of gift vouchers, discount coupons, etc. for the referrer and/or the referred person. Please refer to the information given about each referral programme at www.icicibankrefer.com for details about the rewards.

If the person you referred does not use the product, you would only be eligible for the rewards applicable for referring a person, if any. Rewards vary across the different product referral programme, please refer to the information given about each referral programme at www.icicibankrefer.com for further details.

If your friend signs up for the product without using your referral, you would not be eligible for any referral rewards.

If a person is referred by more than 1 referrer, the credit would go to the person whose referral link is used by the referred person at the time of signing up for the product.

No. Currently you can refer your friends only through Facebook and e-mail.

You can login to your account with the help of your mobile number, and a Unique Reference Number sent to this number at the time of logging in.

Your personal details are secure with us and will not be shared with anyone.

No.

There might be connectivity issues or a temporary bug in the system. Please try again after some time. In case you are still not able to login, please contact us at refer@icicibank.com.

No, you can have only one referral account against a mobile number.

After logging in, you can visit the 'Dashboard' section to view the status of your referrals.

The details of persons you refer are updated instantly. However, the status of whether the referrers are converted as ICICI Bank customers would be updated after the process is completed.

You can view your referral rewards in the 'Dashboard' section, after you log in.

No, you can only link only one Facebook account to your referral account.

When you link your Facebook account to your referral account for the first time, or if there is a Facebook account already logged-in that is automatically used by the referral programme, you would be given a chance to change to another Facebook account before you make any referrals. Once you make a referral with a Facebook account, you cannot change the Facebook account.

Please click on the 'Refresh' link present above your Facebook friend list.

No, currently you can only import email ids from Gmail. If you do not have a Gmail account, you can manually add the email ids of the people you wish to add to the address book in your referral account.

You can manually add the email ids of the people you wish to add to the address book in your referral account, and refer them.

No, you can only link one Gmail id to your referral account. When you link your id for the first time or if there is a Gmail id already logged-in when you try to link your accounts, you would be given an opportunity to change the Gmail id before you make any referrals. Once you import addresses from your Gmail id, you cannot change the Gmail id.

When you link your id for the first time or if there is a Gmail id already logged-in when you try to link your accounts, you would be given an opportunity to change the Gmail id before you make any referrals. Once you import addresses from your Gmail id, you cannot change the Gmail id.

Please click on the 'Refresh' link present above the Gmail address book in your referral account.

Currently you cannot remind a friend using our system.

You can refer only two products to a friend on any day. Please come again to refer more products.