Compare HDFC Bank Basic Savings Bank Deposit Account and ICICI Bank Basic Savings Bank Deposit Account using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Customers who need a no-minimum-balance HDFC savings relationship and can work within BSBDA withdrawal/account-ownership restrictions.
Resident adults seeking essential ICICI banking without a minimum-balance requirement and who accept BSBDA ownership restrictions.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/hdfc-basic-savings-bank-deposit-account-vs-icici-basic-savings-bank-deposit-account/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | HDFC Bank Basic Savings Bank Deposit Account | ICICI Bank Basic Savings Bank Deposit Account |
|---|---|---|
| Cost / charges | No account-opening charge and no minimum-balance requirement under the reviewed BSBDA page; basic services and the RuPay debit card are presented as free, while optional/additional services can follow the current consolidated schedule. | Zero-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 / relationship | No initial payment or average monthly balance is required under the reviewed eligibility page. | No minimum balance requirement under the reviewed BSBDA proposition. |
| Core benefits | Free RuPay debit card, passbook, limited cheque leaves, cash deposits, NetBanking, MobileBanking, PhoneBanking and BillPay under current BSBDA terms. | Complimentary personalised RuPay debit card, passbook and cheque leaves, plus essential branch and electronic banking access under current BSBDA terms. |
| Limits / allowances | Reviewed product material states 4 free withdrawals per month across counted branch/ATM/transfer/payment channels; card-level limits depend on the issued RuPay variant and current controls. | Basic-account withdrawal/service limits follow current BSBDA and ICICI schedule rules; users should verify the latest transaction allowance before relying on frequent withdrawals. |
| Eligibility | Resident individuals/joint holders and permitted HUF/minor cases under current HDFC documentation; customers must not already hold another HDFC savings account and must not hold a BSBDA with another bank under the reviewed eligibility declaration. | Indian 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 rule | Statutory Basic Savings Bank Deposit Account; the bank explicitly includes a free RuPay debit card but the page does not identify a single premium RuPay variant. | Statutory Basic Savings Bank Deposit Account, including PMJDY use where applicable. |
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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Reviewed September 9, 2026 · 2 attached first-party sources
Reviewed September 9, 2026 · 2 attached first-party sources