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ICICI BankSavings account

ICICI Bank Basic Savings Bank Deposit Account

ICICI Bank's statutory BSBDA/PMJDY basic savings proposition with zero-balance treatment and a complimentary personalised RuPay debit card.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationshipNo minimum balance requirement under the reviewed BSBDA proposition.
Cost / chargesZero-balance basic account; the reviewed product page lists complimentary passbook, personalised RuPay debit card and cheque leaves, with other services governed by the current ICICI schedule.
Limits / allowancesBasic-account withdrawal/service limits follow current BSBDA and ICICI schedule rules; users should verify the latest transaction allowance before relying on frequent withdrawals.
Ongoing relationship ruleStatutory Basic Savings Bank Deposit Account, including PMJDY use where applicable.
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 · Balance / relationshipNo minimum balance requirement under the reviewed BSBDA proposition.
02 · Cost / chargesZero-balance basic account; the reviewed product page lists complimentary passbook, personalised RuPay debit card and cheque leaves, with other services governed by the current ICICI schedule.
03 · Limits / allowancesBasic-account withdrawal/service limits follow current BSBDA and ICICI schedule rules; users should verify the latest transaction allowance before relying on frequent withdrawals.
04 · Ongoing relationship ruleStatutory Basic Savings Bank Deposit Account, including PMJDY use where applicable.
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 / chargesZero-balance basic account; the reviewed product page lists complimentary passbook, personalised RuPay debit card and cheque leaves, with other services governed by the current ICICI schedule.
Balance / relationshipNo minimum balance requirement under the reviewed BSBDA proposition.
Core benefitsComplimentary personalised RuPay debit card, passbook and cheque leaves, plus essential branch and electronic banking access under current BSBDA terms.
Limits / allowancesBasic-account withdrawal/service limits follow current BSBDA and ICICI schedule rules; users should verify the latest transaction allowance before relying on frequent withdrawals.
EligibilityIndian residents age 18+ under the reviewed page; BSBDA holders cannot maintain another ICICI savings account and must not hold another bank's BSBDA under the current declaration rules.
Ongoing relationship ruleStatutory Basic Savings Bank Deposit Account, including PMJDY use where applicable.
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

Resident adults seeking essential ICICI banking without a minimum-balance requirement and who accept BSBDA ownership restrictions.

Verify before relying
  • A BSBDA is not the same product as ICICI's premium or regular savings programmes.
  • Ownership restrictions can require closing another ICICI savings relationship.
  • Optional services beyond the regulatory basic set can carry charges.
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.