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ICICI BankCurrent account

ICICI Bank Current Account

ICICI Bank's mainstream business current-account proposition with a ₹50,000 quarterly average balance requirement and an integrated stack for collections, payments, merchant services, trade and digital business banking.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Required balance₹50,000 QAB under the reviewed general Current Account proposition.
Balance / account costReviewed product page states a ₹50,000 Quarterly Average Balance requirement; detailed service and non-maintenance charges follow the current business current-account schedule.
Cash / transaction allowancesTransaction, cash-deposit and service allowances vary by current-account programme and current schedule of charges rather than one universal limit.
Ongoing account conditionCustomers can enroll in higher business programmes if separate relationship-value/trade criteria are met; those programmes can change the benefit stack.
Research processPublished by bankingreference.info

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 9, 2026

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

Maintenance stateWithin scheduled review window

Target recheck: January 7, 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 · Required balance₹50,000 QAB under the reviewed general Current Account proposition.
02 · Balance / account costReviewed product page states a ₹50,000 Quarterly Average Balance requirement; detailed service and non-maintenance charges follow the current business current-account schedule.
03 · Cash / transaction allowancesTransaction, cash-deposit and service allowances vary by current-account programme and current schedule of charges rather than one universal limit.
04 · Ongoing account conditionCustomers can enroll in higher business programmes if separate relationship-value/trade criteria are met; those programmes can change the benefit stack.
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.

Balance / account costReviewed product page states a ₹50,000 Quarterly Average Balance requirement; detailed service and non-maintenance charges follow the current business current-account schedule.
Required balance₹50,000 QAB under the reviewed general Current Account proposition.
Business banking benefitsInstaBIZ, Corporate Net Banking, merchant/POS/QR solutions, bulk payments, GST payments, working-capital links and trade services.
Cash / transaction allowancesTransaction, cash-deposit and service allowances vary by current-account programme and current schedule of charges rather than one universal limit.
Eligible business entitiesIndividuals for business purpose, proprietorships, HUFs, partnerships, LLPs, companies, trusts, associations, societies and other eligible business entities subject to KYC.
Ongoing account conditionCustomers can enroll in higher business programmes if separate relationship-value/trade criteria are met; those programmes can change the benefit stack.
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

Businesses that can maintain ₹50,000 QAB and value an integrated current account with InstaBIZ, Corporate Net Banking, merchant collections and trade/payment capabilities.

Verify before relying
  • The general ₹50,000 QAB does not mean every ICICI business programme has identical fees or limits.
  • Merchant/trade features have their own pricing and eligibility.
  • Current accounts generally do not earn savings interest, so idle cash economics should be considered separately.
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.