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ICICI BankSavings account

ICICI Bank Savings Account (new accounts from Aug 2025)

ICICI Bank's current mainstream savings proposition for newly opened accounts, with location-based monthly average balance requirements and programme-based exemptions.

First-party evidencePublished researchReviewed September 10, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationshipFor new accounts opened from 1 August 2025: ₹15,000 MAB in metro/urban, ₹7,500 in semi-urban and ₹2,500 in rural locations, subject to listed exemptions.
Cost / chargesNon-maintenance charge is reviewed as 6% of the shortfall or ₹500, whichever is lower, unless an applicable programme exemption is met.
Limits / allowancesTransaction limits depend on the selected debit card/channel and current service schedule.
Ongoing relationship ruleStandalone ICICI Bank savings relationship with optional programme/family relationships.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 8, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationshipFor new accounts opened from 1 August 2025: ₹15,000 MAB in metro/urban, ₹7,500 in semi-urban and ₹2,500 in rural locations, subject to listed exemptions.
02 · Cost / chargesNon-maintenance charge is reviewed as 6% of the shortfall or ₹500, whichever is lower, unless an applicable programme exemption is met.
03 · Limits / allowancesTransaction limits depend on the selected debit card/channel and current service schedule.
04 · Ongoing relationship ruleStandalone ICICI Bank savings relationship with optional programme/family relationships.
Exact product-type evidence

Savings account evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Digital opening journey

What has to happen before this account is fully usable.

Digital availability is verified separately from the account’s normal balance and fee rules. Reviewed September 10, 2026.

Opening channelICICI Bank website application: enter PAN-linked identity details, pincode and mobile number, verify OTP and submit; the current page says a bank representative then contacts the applicant to assist with opening and verification.
KYC / Video KYCThe reviewed current mainstream Savings Account page documents assisted verification after online submission; it does not promise that every applicant completes a self-serve Video-KYC flow on that route.
Documents / authenticationFull name as per PAN, PAN, pincode and mobile number during application; Aadhaar/e-Aadhaar and PAN are listed as core account-opening documents.
Initial fundingNo separate opening-funding amount is stated in the reviewed current online-application FAQ; ongoing MAB for new accounts remains ₹15,000 metro/urban, ₹7,500 semi-urban and ₹2,500 rural unless an exemption applies.
Customer restrictionCurrent mainstream Savings Account opening for eligible applicants; special account categories and programme exemptions have their own rules.
Location / device rulePincode is collected during the online application. The reviewed current mainstream page does not establish a universal live-geolocation requirement for this assisted route.
Fallback routeRepresentative-assisted completion is built into the reviewed online route; branch banking remains available for account opening/service where needed.
If KYC / opening is incompleteNo restricted limited-KYC state is inferred from the current mainstream page. Until verification is completed, an online form submission is not treated as a fully opened unrestricted account.
Verify digital opening source ↗
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesNon-maintenance charge is reviewed as 6% of the shortfall or ₹500, whichever is lower, unless an applicable programme exemption is met.
Balance / relationshipFor new accounts opened from 1 August 2025: ₹15,000 MAB in metro/urban, ₹7,500 in semi-urban and ₹2,500 in rural locations, subject to listed exemptions.
Core benefitsPersonalised debit card options, iMobile/Net Banking, UPI/bill payments and relationship programmes.
Limits / allowancesTransaction limits depend on the selected debit card/channel and current service schedule.
EligibilityNew savings accounts opened on or after 1 August 2025; salary accounts, older savings accounts and certain special/basic account categories follow separate rules.
Ongoing relationship ruleStandalone ICICI Bank savings relationship with optional programme/family relationships.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

New ICICI Bank savings customers who can maintain the applicable location-based balance or qualify for an exempt relationship programme.

Verify before relying
  • The current balance structure does not apply to all legacy ICICI savings accounts.
  • Programme qualification can change balance/fee treatment.
  • Debit-card and transaction charges should be checked in the relevant schedule.
  • The current mainstream online flow is an application followed by ICICI Bank representative assistance for account opening and verification; it should not be described as universal self-serve end-to-end Video KYC from this page.
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcewww.icici.bank.in
Open source ↗02
Additional first-party evidencewww.icici.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.