AURA Savings Account

 

 Advantage Woman Regular AURA Savings AccountAdvantage Woman Silver AURA Savings AccountAdvantage Woman Gold Privilege AURA Savings AccountAdvantage Woman Magnum Privilege AURA Savings AccountAdvantage Woman Titanium Privilege AURA Savings Account
Available in All cities All cities All cities All cities All cities
Eligibility Working woman, Resident Indian > 18 years of age Working woman, Resident Indian > 18 years of age Working woman, Resident Indian > 18 years of age Working woman, Resident Indian > 18 years of age Working woman, Resident Indian > 18 years of age
Minimum Monthly Average Balance (MAB)* Rs 10,000 Rs 25,000 Rs 50,000 Rs 100,000 Rs 200,000
Charges for non-maintenanace of MAB not applicable Subject to Fixed Deposit (FD) of minimum Rs 50,000 under the same Customer ID Subject to Fixed Deposit (FD) of minimum Rs 125,000 under the same Customer ID Subject to Fixed Deposit (FD) of minimum Rs 250,000 under the same Customer ID Subject to Fixed Deposit (FD) of minimum Rs 500,000 under the same Customer ID Subject to Fixed Deposit (FD) of minimum Rs 1,000,000 under the same Customer ID
Charges for non-maintenance of Minimum Monthly Average Balance (NMMAB) Rs 100 + 5% of the shortfall in required MAB Rs 100 + 5% of the shortfall in required MAB or Rs 500 (whichever is lower) Rs 100 + 2% of the shortfall in required MAB or Rs 500 (whichever is lower) Rs 100 + 2% of the shortfall in required MAB or Rs 500 (whichever is lower) Rs 100 + 2% of the shortfall in required MAB or Rs 500 (whichever is lower)
Cash transactions (deposits and withdrawals) at base branch, i.e., all branches/ Cash Recycler Machine (cash deposits) in the same city First 4 transactions in a month - Free. Thereafter, Rs 5 per Rs 1,000 or part thereof, subject to a minimum of Rs 150 in the same month (maximum limit - self: Any amount, Third party: Rs 50,000 per day) Nil Nil Nil Nil
Anywhere cash withdrawals by customer or customer's representative to the debit of the customers own Savings Account at a non-base branch i.e., branch in other city Nil for the first cash withdrawal of a calendar month; Not Applicable
(Maximum withdrawal limit – Self: Any amount, Third party: Rs 15,000 per day)
Not Applicable
(Maximum withdrawal limit – Self: Any amount, Third party: Rs 15,000 per day)
Not Applicable
(Maximum withdrawal limit – Self: Any amount, Third party: Rs 15,000 per day)
Not Applicable
(Maximum withdrawal limit – Self: Any amount, Third party: Rs 15,000 per day)
Thereafter in the month, Rs 5 per Rs 1,000 or part thereof, subject to a minimum of Rs 150
Maximum withdrawal limit – Self: Any amount, Third party: Rs 15,000 per day
Anywhere cash deposit by customer or customers representative to the credit of the customers own Savings Account at a non-base branch, i.e., branch in other city At branch – Rs 5 per Rs 1,000 or part thereof, subject to a minimum of Rs 150 (Maximum deposit limit – Self: Any amount, Third party: Rs 50,000 per day) Not Applicable
(Maximum deposit limit – Self: Any amount, Third party: Rs 50,000 per day)
Not Applicable
(Maximum deposit limit – Self: Any amount, Third party: Rs 50,000 per day)
Not Applicable
(Maximum deposit limit – Self: Any amount, Third party: Rs 50,000 per day)
Not Applicable
(Maximum deposit limit – Self: Any amount, Third party: Rs 50,000 per day)
At Cash Recycler Machine – Nil for the first cash deposit of a calendar month; thereafter in the month, Rs 5 per Rs 1,000 or part thereof, subject to a minimum of Rs 150

Cash Transaction Charges
(Cumulative of Deposit and Withdrawal)
(with effect from Dec 15, 2019)

1) Number Limit (Sum total of deposits and withdrawals)
4 free cash transactions per month.
Charges above free limits: Rs 150 per transaction.

2) Value Limit (Sum total of deposits and withdrawals) The value limit is inclusive of both Home and Non home branch transactions.
a) Home Branch (Branch where account is opened or ported)
Rs 2 lakh. Free per month per account.
Above Rs 2 lakh – Rs 5 per Rs 1,000, subject to a minimum of Rs 150
b) Non-Home branch –
No charges for cash transactions value up to Rs 25,000 per day.
Above Rs 25,000 – Rs 5 per Rs 1,000 subject to a minimum of Rs 150

3) Third party Cash transaction (Sum total of deposits and withdrawals) -
Up to a limit of Rs 25,000 per day – Rs 150 per transaction.
Above Rs 25,000 not allowed.

1) Number Limit (Sum total of deposits and withdrawals)
5 free cash transactions per month.
Charges above free limits: Rs 150 per transaction.

2) Value Limit (Sum total of deposits and withdrawals) The value limit is inclusive of both Home and Non home branch transactions.
a) Home Branch (Branch where account is opened or ported)
Rs 2 lakh. Free per month per account.
Above Rs 2 lakh – Rs 5 per Rs 1,000, subject to a minimum of Rs 150
b) Non-Home branch –
No charges for cash transactions value up to Rs 25,000 per day.
Above Rs 25,000 – Rs 5 per Rs 1,000 subject to a minimum of Rs 150

3) Third party Cash transaction (Sum total of deposits and withdrawals) -
Up to a limit of Rs 25,000 per day – Rs 150 per transaction.
Above Rs 25,000 not allowed.

Number Limit (Sum total of deposits and withdrawals)
5 free cash transactions per month.
Charges above free limits: Rs 150 per transaction.
OR
Value Limit (Sum total of deposits and withdrawals)
The value limit is inclusive of both Home and Non home branch transactions.
Rs 2 lakh. Free per month per account.
Above Rs 2 lakh – Rs 5 per Rs 1,000, subject to a minimum of Rs 150
(Inclusive – Self and Third party)

Number Limit (Sum total of deposits and withdrawals)
5 free cash transactions per month.
Charges above free limits: Rs 150 per transaction.
OR
Value Limit (Sum total of deposits and withdrawals)
The value limit is inclusive of both Home and Non home branch transactions.
Rs 2 lakh. Free per month per account.
Above Rs 2 lakh – Rs 5 per Rs 1,000, subject to a minimum of Rs 150
(Inclusive – Self and Third party)

Number Limit (Sum total of deposits and withdrawals)
7 free cash transactions per month.
Charges above free limits: Rs 150 per transaction.
OR
Value Limit (Sum total of deposits and withdrawals)
The value limit is inclusive of both Home and Non home branch transactions.
Rs 5 lakh. Free per month per account.
Above Rs 5 lakh – Rs 5 per Rs 1,000, subject to a minimum of Rs 150
(Inclusive – Self and Third party)

Additional Cash Transaction Charges (with effect from Oct 16, 2019)

All free cash transactions at ICICI Bank branches or cash deposits done at ICICI Bank Cash Recycler Machines will be charged at Rs 100 (per transaction) for the first two transactions and Rs 125 (per transaction) for any subsequent transaction in case of non-maintenance of applicable minimum Monthly Average Balance (MAB) stipulated in the terms and conditions applicable to your account. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

All free cash transactions at ICICI Bank branches or cash deposits done at ICICI Bank Cash Recycler Machines will be charged at Rs 100 (per transaction) for the first two transactions and Rs 125 (per transaction) for any subsequent transaction in case of non-maintenance of applicable minimum Monthly Average Balance (MAB) stipulated in the terms and conditions applicable to your account. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

All free cash transactions at ICICI Bank branches or cash deposits done at ICICI Bank Cash Recycler Machines will be charged at Rs 100 (per transaction) for the first two transactions and Rs 125 (per transaction) for any subsequent transaction in case of non-maintenance of applicable minimum Monthly Average Balance (MAB) stipulated in the terms and conditions applicable to your account. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

All free cash transactions at ICICI Bank branches or cash deposits done at ICICI Bank Cash Recycler Machines will be charged at Rs 100 (per transaction) for the first two transactions and Rs 125 (per transaction) for any subsequent transaction in case of non-maintenance of applicable minimum Monthly Average Balance (MAB) stipulated in the terms and conditions applicable to your account. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

All free cash transactions at ICICI Bank branches or cash deposits done at ICICI Bank Cash Recycler Machines will be charged at Rs 100 (per transaction) for the first two transactions and Rs 125 (per transaction) for any subsequent transaction in case of non-maintenance of applicable minimum Monthly Average Balance (MAB) stipulated in the terms and conditions applicable to your account. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

ATM Interchange (Transactions at non ICICI Bank ATMs) Nil Nil Nil Nil Nil
Transactions at ICICI Bank ATMs/ Cash Recycler Machines (cash withdrawals) Nil Nil Nil Nil Nil
Issue of DD drawn on ICICI Bank by cheque/transfer(w.e.f. July 01, 2019) Rs 50 per Demand Draft (DD) up to Rs 10,000; Rs 5 per Rs 1,000 or part thereof for DD of more than Rs 10,000, subject to a minimum of Rs 75 and maximum of Rs 15,000 Nil for Demand Draft (DD) up to Rs 100,000 per day. Above Rs 100,000 - Rs 5 per Rs 1,000 or part thereof; maximum Rs 15,000. Nil for Demand Draft (DD) up to Rs 150,000 per day. Above Rs 150,000 - Rs 5 per Rs 1,000 or part thereof; maximum Rs 15,000. Nil for Demand Draft (DD) up to Rs 200,000 per day. Above Rs 200,000 - Rs 5 per Rs 1,000 or part thereof; maximum Rs 15,000. Nil
Statement Free monthly e-mail statement Free monthly e-mail statement Free monthly e-mail statement Free monthly e-mail statement Free monthly e-mail statement
Free monthly statement to be collected from branch Free monthly statement to be collected from branch Free monthly statement to be collected from branch Free monthly statement to be collected from branch Free monthly statement to be collected from branch
Passbook facility available at base branch, free of cost. Passbook facility available at base branch, free of cost. Passbook facility available at base branch, free of cost. Passbook facility available at base branch, free of cost. Passbook facility available at base branch, free of cost.
View and download statement facility available on the website View and download statement facility available on the website View and download statement facility available on the website View and download statement facility available on the website View and download statement facility available on the website
Debit Card Fees for first Account Holder Rs 150 per annum Rs 150 per annum Nil Nil Nil
For Gramin locations - Rs 99 per annum For Gramin locations - Rs 99 per annum
Debit Card Fees for joint Account Holder Rs 150 per annum Rs 150 per annum Nil Nil Nil
For Gramin locations - Rs 99 per annum For Gramin locations - Rs 99 per annum
Debit Card Cash withdrawal limit Domestic transaction limit - Daily spending/withdrawal limit: Rs 100,000/ Rs 50,000 Domestic transaction limit - Daily spending/withdrawal limit: Rs 100,000/ Rs 50,000 Domestic transaction limit - Daily spending/withdrawal limit: Rs 75,000/ Rs 125,000 Domestic transaction limit - Daily spending/withdrawal limit: Rs 100,000/ Rs 150,000 Domestic transaction limit - Daily spending/withdrawal limit: Rs 125,000/ Rs 200,000
International transaction limit - Daily spending/withdrawal limit: Rs 50,000/ Rs 75,000 International transaction limit - Daily spending/withdrawal limit: Rs 50,000/ Rs 75,000 International transaction limit - Daily spending/withdrawal limit: Rs 75,000/ Rs 100,000 International transaction limit - Daily spending/withdrawal limit: Rs 100,000/ Rs 125,000 International transaction limit - Daily spending/withdrawal limit: Rs 125,000/ Rs 200,000
Cheque Books (w.e.f. July 01, 2019) Nil for 20 payable-at-par cheque leaves in a year; Nil for 20 payable-at-par cheque leaves in a year; Nil Nil Nil
Rs 20 for every additional cheque book of 10 leaves Rs 20 for every additional cheque book of 10 leaves
Charges for Multicity cheque payment Nil Nil Nil Nil Nil
Value Added SMS alert facility Rs 15 per quarter Nil Nil Nil Nil
Outstation cheque collection – through ICICI Bank branch locations Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.
Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.
Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.
Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.
Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.
Outstation cheque collection –through Non-ICICI Bank branch locations Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.
Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.
Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.
Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.
Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.

 

 

Note

  1. Common service charges applicable to all Savings Account variants except for Wealth Management/ ICICI Bank Private Banking and the ones mentioned above.Click here
  2. Taxes at prevailing rates as per Govt. rules shall be applicable over and above the mentioned charges. The charges indicated above are subject to periodic revision.
  3. *With effect from April 1, 2015: In the event of non-maintenance of minimum MAB, the bank will notify the customer by SMS/e-mail/ letter etc. that in the event of the minimum balance not being restored in the account in the subsequent month, non-maintenance of MAB charges will be applicable.
    In case the customer has not maintained MAB for any consecutive month, non-maintenance of MAB charges shall be applicable for all consecutive months. The Bank will notify the customer in the initial month only in case of non-maintenance of MAB in consecutive months. It will be the responsibility of the customer to have a valid e-mail ID, mobile number and address updated with the Bank at all times, failing which, customer may not receive the notification(s).