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ICICI savings account (From August 2025 onwards)

Minimum monthly average balance (MAB):
  • Metro and Urban locations - ₹ 50,000
  • Semi-urban locations - ₹ 25,000
  • Rural locations- ₹ 10,000

Program Eligibility & Criteria

Customer enrolling into the program needs to maintain the following criteria:


Program VariantsSelect BankingWealth ManagementPrivate Banking
Eligibility and Criteria*Deposits^ & Balance of ₹ 2L
or
Deposits, Balance, Mutual funds AUM#,
Demat of ₹ 25L
Deposits^ & Balance of ₹ 10L
or
Deposits, Balance, Mutual funds AUM#,
Demat of ₹ 50L
Deposits^ & Balance of ₹ 50L
or
Deposits, Balance, Mutual funds AUM#,
Demat of ₹5Cr



(^Deposits = Balance in Current Account + Balance in Savings Account + Term Deposit/ Recurring Deposit)

If a customer becomes a part of any of the program mentioned above, they will be eligible for additional program-based benefits.

*If the customer does not maintain the program eligibility criteria of Select Banking/ Wealth Management/ Private Banking, their program status will be revised accordingly.

The customers have to meet the program eligibility criteria through the twelve months from the month of enrolment. Post one year, the program eligibility criteria to be met on quarterly basis to continue enjoying the respective program benefits.

In case of family banking/grouping, (as per existing process), 1.5 times of above mentioned criteria will be considered for extending the benefits to entire family/group.

The MF AUM and Demat holdings maintained through ICICI Bank will be considered for program threshold.



Savings Account - Discontinued for new account opening

  • Family 360° Banking
  • Campus Power Savings Account
  • Smart Star Savings Account - Regular & Wealth
  • SMART STAR SAVINGS ACCOUNT WITHOUT GUARDIAN CONSENT
  • YOUNG STAR SAVINGS ACCOUNT – REGULAR & Family 360 Banking
  • Young Star Savings Account – Wealth & Private Banking
  • Senior Citizen Regular Savings Account
  • Pension Accounts
  • Regular Savings Account
  • REGULAR SAVINGS ACCOUNT (Discontinued)
  • Advantage Woman Savings Account
  • Privilege Accounts–Advantage Woman Savings Account
  • Asset Linked Savings Account
  • AURA Savings Account
  • Bank@Campus Account
  • Gold Savings Account
  • Gold Privilege Savings Account
  • BizSavings Account
  • Broking IDirect Linked Savings Account
  • Easy Receive Savings Account
  • Freedom Savings Account
  • No Frills Account
  • Prime & Prime Pro Program
  • Privilege Accounts – Young Star & Smart Star
  • Privilege Banking Accounts – Non-Senior Citizen
  • Privilege Banking Accounts – Senior Citizen
  • Salute Doctors Account
  • Savings Accounts Linked to Family ID
  • Silver Savings Account
  • The One Savings Account
  • Self Help Group sourced through Business Correspondence
  • Insta Save Premium Savings Account
  • Self Help Groups

Salary Accounts – Discontinued for new account opening

  • Family 360° Banking
  • Titanium Salary Account
  • Gold Salary Account
  • Silver Salary Account
 

Attachments

Last edited:
ICICI savings account (From August 2025 onwards)

Minimum monthly average balance (MAB):
  • Metro and Urban locations - ₹ 50,000
  • Semi-urban locations - ₹ 25,000
  • Rural locations- ₹ 10,000

Program Eligibility & Criteria

Customer enrolling into the program needs to maintain the following criteria:
Program VariantsSelect BankingWealth ManagementPrivate Banking
Eligibility and Criteria*Deposits^ & Balance of ₹ 2L
or
Deposits, Balance, Mutual funds AUM#,
Demat of ₹ 25L
Deposits^ & Balance of ₹ 10L
or
Deposits, Balance, Mutual funds AUM#,
Demat of ₹ 50L
Deposits^ & Balance of ₹ 50L
or
Deposits, Balance, Mutual funds AUM#,
Demat of ₹5Cr
(^Deposits = Balance in Current Account + Balance in Savings Account + Term Deposit/ Recurring Deposit)

If a customer becomes a part of any of the program mentioned above, they will be eligible for additional program-based benefits.

*If the customer does not maintain the program eligibility criteria of Select Banking/ Wealth Management/ Private Banking, their program status will be revised accordingly.

The customers have to meet the program eligibility criteria through the twelve months from the month of enrolment. Post one year, the program eligibility criteria to be met on quarterly basis to continue enjoying the respective program benefits.

In case of family banking/grouping, (as per existing process), 1.5 times of above mentioned criteria will be considered for extending the benefits to entire family/group.

The MF AUM and Demat holdings maintained through ICICI Bank will be considered for program threshold.



Savings Account - Discontinued for new account opening

  • Family 360° Banking
  • Campus Power Savings Account
  • Smart Star Savings Account - Regular & Wealth
  • SMART STAR SAVINGS ACCOUNT WITHOUT GUARDIAN CONSENT
  • YOUNG STAR SAVINGS ACCOUNT – REGULAR & Family 360 Banking
  • Young Star Savings Account – Wealth & Private Banking
  • Senior Citizen Regular Savings Account
  • Pension Accounts
  • Regular Savings Account
  • REGULAR SAVINGS ACCOUNT (Discontinued)
  • Advantage Woman Savings Account
  • Privilege Accounts–Advantage Woman Savings Account
  • Asset Linked Savings Account
  • AURA Savings Account
  • Bank@Campus Account
  • Gold Savings Account
  • Gold Privilege Savings Account
  • BizSavings Account
  • Broking IDirect Linked Savings Account
  • Easy Receive Savings Account
  • Freedom Savings Account
  • No Frills Account
  • Prime & Prime Pro Program
  • Privilege Accounts – Young Star & Smart Star
  • Privilege Banking Accounts – Non-Senior Citizen
  • Privilege Banking Accounts – Senior Citizen
  • Salute Doctors Account
  • Savings Accounts Linked to Family ID
  • Silver Savings Account
  • The One Savings Account
  • Self Help Group sourced through Business Correspondence
  • Insta Save Premium Savings Account
  • Self Help Groups

Salary Accounts – Discontinued for new account opening

  • Family 360° Banking
  • Titanium Salary Account
  • Gold Salary Account
  • Silver Salary Account
I am still not able to know which account type did I hold
 
Effect of ~ icici new savings account opening drama

And I think if ICICI Bank continues with its drama, may increase more mab in future .
 
ICICI bank has increased minimum balance requiredfor savings account in metro and urban to Rs.50000 from Rs.10000.
Atrocious
When PSU banks making the required avearage balance to zero, ICICI increasing it
This is very steep increase in requirments
 
Information (Thread Merged) New
ICICI Bank shuns on the mass and bets on the rich.

Monthly average balance on savings account:
Metro and urban locations, ₹50000.
Semi urban, ₹25000.
Rural, ₹10000.

Source (ET Prime) https://economictimes.indiatimes.co...ss-bets-on-the-rich/articleshow/123195855.cms

(Business Today) https://www.businesstoday.in/person...s-from-rs-10000-to-rs-50000-488692-2025-08-09

The bank has already updated their website to reflect these changes.

Screenshot 2025-08-09 110741.webp

For the Customer: Existing features of the previous 10k MAB account.

For the Bank: It will increase the low cost deposit base, for better NIMs (Net interest margin). Profitability and business growth.
 
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While PSU banks are waiving non-maintenance fees, ICICI Bank, on the other hand, is increasing its balance maintenance criteria. Indirectly, ICICI Bank is telling us they don’t need accounts from gareeb insaan (like me).
Jokes apart, this is truly a surprising and unexpected move. Although this rule is only applicable to new accounts opened from August 1, 2025, I suspect ICICI Bank might eventually ask existing customers to maintain the same balance as new customers. Hopefully, other private banks will take this as an opportunity to lower their maintenance requirements, rather than increase them like ICICI Bank.
 
Is it for the previous regular 10k account?
Yes, no more 10k. Even if it was listed previously on their website, customers faced a lot of issues to open this account.

Branch executives pushed 25k silver and platinum accounts but now it's official. 50k for urban, 25k semi urban, 10k rural.
 
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