ICICI Bank Minimum Balance: Important Update for Account Holders in 2025
Every ICICI Bank account holder should know the minimum balance rules to avoid unnecessary fees. In 2025, the bank sets specific requirements based on the type of savings account and the branch location: urban, semi-urban, or rural. Staying informed about these rules helps customers manage their accounts well and steer clear of penalties.
Why ICICI Bank Minimum Balance Matters
Keeping the required minimum balance at ICICI Bank is important. It ensures smooth banking services without extra costs. If the average monthly balance (AMB) drops below the required limit, ICICI Bank may charge non-maintenance fees, which can affect your savings over time.
Latest Minimum Balance Requirements in 2025
- Urban & Metro Branches – The average monthly balance requirement is usually ₹10,000.
- Semi-Urban Branches – The AMB requirement is about ₹5,000.
- Rural Branches – The AMB requirement is generally ₹2,000.
(These amounts are based on ICICI Bank’s latest public disclosures; always check the bank’s website or visit a branch for the most recent updates.)
Charges for Non-Maintenance
If you don’t keep the minimum balance at ICICI Bank, charges can range from ₹100 to ₹350 per month, depending on the shortfall and account type. This makes it even more crucial for account holders to keep an eye on their balance regularly.
Smart Tips to Maintain Your Minimum Balance
- Use Auto-Transfer Features – Link your savings and current account for automatic balance top-ups.
- Track Your Balance via Mobile Banking – Use ICICI’s iMobile Pay app for real-time tracking.
- Opt for a Zero-Balance Account – If maintaining the minimum balance is tough, consider ICICI’s Basic Savings Bank Deposit Account.
Final Word
Understanding the ICICI Bank minimum balance rule is essential for every account holder in 2025. With the right knowledge and planning, you can make the most of ICICI banking without incurring avoidable fees.