ICICI Bank Minimum Balance: Everything You Need to Know in 2025

ICICI Bank Minimum Balance — What It Is and How to Avoid Fines

When you open a bank account, one of the first things you might think about is — “What’s the minimum balance I need to keep?”

For customers of ICICI Bank, knowing the minimum balance requirement is important to avoid extra fees and manage your account well.

In 2025, ICICI Bank offers many types of accounts with different minimum balance rules. Knowing these rules can save you money and reduce stress.

In this guide, we’ll explain:

• What minimum balance means
• ICICI Bank’s rules for 2025
• What happens if you don’t keep the balance
• Smart ways to avoid extra charges

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What is Minimum Balance?

Minimum balance is the lowest amount of money you must have in your account over a certain time — usually a month or quarter.

If your balance is lower than this, the bank might charge you a non-maintenance fee.

For ICICI Bank, the minimum balance depends on:

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• Type of account (Savings, Salary, or Privilege Banking)
• Branch location (Metro, Urban, Semi-Urban, or Rural)
• Extra services linked to your account

Minimum Balance Requirements in 2025

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Here’s a list of the average monthly balance (AMB) you need to keep:

1. Metro and Urban Branches

• Savings Account: Rs. 10,000 AMB
• Privilege Banking: Rs. 25,000 AMB or a Fixed Deposit of Rs. 1.5 lakh
• Wealth Management Accounts: Rs. 1 lakh AMB or linked investments

2. Semi-Urban Branches

• Savings Account: Rs. 5,000 AMB

3. Rural Branches

• Savings Account: Rs. 2,000 AMB

Tip: ICICI also has Basic Savings Bank Deposit Accounts (BSBDA) that don’t have a minimum balance requirement — but they offer limited features.

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What Happens if You Don’t Meet the Minimum Balance?

If you don’t keep the required balance, ICICI Bank may charge you a fee. The amount depends on how much you fall short:

• Metro/Urban: Rs. 100 to Rs. 600 + GST per month
• Semi-Urban: Rs. 100 to Rs. 350 + GST per month
• Rural: Rs. 50 to Rs. 250 + GST per month

These charges increase the more your balance is below the required amount.

How to Check Your Minimum Balance

You can check the minimum balance requirement for your account by:

• Using the ICICI Bank iMobile App
• Logging into Internet Banking
• Calling Customer Care at 1860 120 7777
• Visiting your nearest ICICI Bank branch

Pro Tip: Use the “Average Monthly Balance” tracker in the iMobile app. It updates in real time and helps you avoid penalties.

How to Avoid Penalties

Here are some tips:

• Choose the Right Account: If you can’t meet higher balances, open an account in a Semi-Urban or Rural branch, or choose a BSBDA account.
• Link Fixed Deposits : Some accounts let you meet the requirement by linking a fixed deposit instead of keeping money idle in savings.
• Track Your Balance: Use the iMobile app to keep track and set alerts if your balance drops.
• Use Joint Accounts: Combine funds with a family member to maintain the balance easily.
• Automate Savings: Set up an auto-transfer from another account to top up before month-end.

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Special Cases in 2025

• Salary Accounts: Usually have zero minimum balance as long as your salary is credited regularly. If no salary is received for 3 months, it may convert to a regular savings account and standard rules will apply.
• NRI Accounts: These have separate requirements, usually between Rs. 10,000 and Rs. 50,000 depending on the account type.

Why Minimum Balance Matters

For customers, it helps:

• Avoid extra fees
• Keep the account active
• Maintain a good banking relationship
• Enjoy perks like free cheque books, ATM withdrawals, and digital banking services
• For banks, it supports liquidity and operational stability.

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Final Thoughts

In 2025, ICICI Bank offers accounts for every type of customer — from zero balance basic accounts to premium privilege banking. The best way to avoid penalties is to choose the right account for your lifestyle and monitor your average monthly balance.

If you already have an account or are planning to open one, take a few minutes to understand your minimum balance requirement now. A little awareness can save you a lot of money over the year.

Quick Recap

• Metro/Urban: Rs. 10,000 AMB
• Semi-Urban: Rs. 5,000 AMB
• Rural: Rs. 2,000 AMB
• BSBDA: Zero balance required
• Penalty: Rs. 50 to Rs. 600 + GST depending on shortfall

By staying informed, you can enjoy all the benefits of ICICI Bank — without the worry of extra charges.

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