ICICI Bank Savings Account: Online Khata Kholne Ki Poori Jankari
Seva Helpline Special Guide: Khata kholne se lekar Video KYC, Interest Rates, Minimum Balance Rules aur Welcome Kit Tracking ki poori jankari.
Online Account Apply Karein →
ICICI Bank mein alag-alag zarooraton ke hisab se accounts hote hain. Niche sabhi accounts aur unke interest rates ki detail di gayi hai:
| Account Ka Prakaar | Kaun Khol Sakta Hai? | Salana Interest Rate (p.a.) | Minimum Balance (MAB) |
|---|---|---|---|
| Regular Savings Account | Resident Indian (18+ Years) | 2.50% p.a. (Daily EOD basis) | ₹10,000 (Urban) / ₹2,000 (Rural) |
| BSBDA (Zero Balance Account) | Koi bhi Bharatiya naagrik | 2.50% p.a. | ₹0 (Zero Balance) |
| Senior Citizen Account | 60 saal ya usse zyada umar ke log | 2.50% p.a. + High FD Rates | ₹5,000 to ₹10,000 |
| Young Stars / Minor Account | 10 se 18 saal ke bachhe | 2.50% p.a. | ₹2,500 per month |
| Campus / Student Account | College Students | 2.50% p.a. | Zero Balance Benefit Available |
| Salary Account | Salaried Employees | 2.50% p.a. | Zero Balance (Job rehne tak) |
*Note: Interest daily closing balance par calculate hota hai aur har quarter (March, June, September, December) ke end mein khate mein credit hota hai.
Agar aap apne Regular Account mein minimum balance maintain nahi karte, toh shortfall ka 5% se 6% penalty fine lagta hai:
- Metro & Urban Branches: Required MAB ₹10,000 (Non-maintenance fine: Min ₹250 to ₹500 + GST).
- Semi-Urban Branches: Required MAB ₹5,000 (Non-maintenance fine: Min ₹200 to ₹400 + GST).
- Rural (Gramin) Branches: Required MAB ₹2,000 (Non-maintenance fine: Min ₹100 to ₹250 + GST).
| Service Head | Applicable Charges (Plus GST) |
|---|---|
| Debit Card Annual Fee | ₹300 / Year (Gramin branches ke liye ₹150 / Year) |
| ICICI ATM Cash Withdrawal | Month mein pehle 5 transactions FREE, uske baad ₹23 per transaction |
| Other Bank ATM Limits | Metro mein 3 free, Non-metro mein 5 free, uske baad ₹23 per transaction |
| Branch Cash Deposit | Month mein 3 cash deposits free, uske baad ₹150 per transaction |
| Cheque Bounce Charge (Financial) | ₹500 per cheque bounce (Inward / Outward) |
- 30 din ke andar closure: Zero Charge (Free).
- 31 din se 1 saal ke andar: ₹500 closure charge.
- 1 saal ke baad closure: No Charge (Free).
Step 1: Application Portal Start Karein
Official Apply link par click karein. Apna active Mobile Number aur Email ID enter karke OTP submit karein.
Step 2: PAN & Aadhaar Verification
Apna PAN Card Number aur 12-digit Aadhaar Number enter karein. Aadhaar-linked mobile par aaye OTP ko verify karein.
Step 3: Personal & Family Details
Apna Marital Status, Father's Name, aur Mother's Maiden Name enter karein.
Step 4: Occupation & Income Selection
Apna Occupation (Salaried, Self-Employed, Business ya Student) chunein aur Annual Income select karein.
Step 5: Nominee Details
Nominee ka Naam, Relationship, aur Date of Birth bharein.
Step 6: Live Video KYC Verification
Bank official ke sath video call connect karke original PAN Card aur blank paper par live signature dikhayein. Account instantly active ho jayega!
Account active hone ke baad aapki Welcome Kit (Debit Card + Cheque Book) dispatch kar di jaati hai:
- Dispatch Schedule: 24 se 48 ghante mein Kit Speed Post ya Courier se dispatched ho jaati hai aur SMS par Tracking Number (Consignment Number) milta hai.
- Delivery Schedule: 7 se 10 working days ke andar Postman aapke address par Deliver kar deta hai.
- Passbook Rules: Passbook aap kisi bhi nazdiki ICICI Bank branch ja kar pehli baar bilkul FREE print karwa sakte hain.
👉 India Post Speed Post Tracking Portal:
📬 Post Office Speed Post Courier Track Karein →
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