Savings Account
How are interest rates calculated?
Savings Bank Account interest is calculated on a daily basis on the daily closing balance in the Account, at the rate specified by ICICI Bank in accordance with Reserve Bank of India directives. The interest amount calculated is rounded off to the nearest rupee. With effect from March 30, 2016, interest will be paid quarterly in March, June, September and December.
ICICI Bank Savings Account interest rate w.e.f 26 June 2025.
| Across all Savings account balances |
|---|
| 2.5% |
Deposits
Loans
Marginal Cost of funds based Lending Rate (MCLR)
| MCLR effective July 22, 2025 | |
|---|---|
| Tenures | I-MCLR |
| Overnight | 7.85% |
| One Months | 7.90% |
| Three Months | 8.15% |
| Six Months | 8.35% |
| One Year | 8.40% |
RBI Policy Repo Rate and ICICI Bank External Benchmark Lending Rate
RBI Policy Repo Rate effective June 6, 2025 is 5.50%.
"ICICI Bank External Benchmark Lending Rate" (I-EBLR) is referenced to RBI Policy Repo Rate with a mark-up over Repo Rate. I-EBLR is 9.20% per annum payable monthly effective June 6, 2025.
Savings Account- Schedule of charges (Accounts opened from August 01, 2025)
- Savings Account, Select Banking, Wealth Management, Private Banking, Pensioners (Below 60 years) and Minors
- Savings Account for Senior Citizen and Pensioners (60 years & above)
- Savings Account for Students
- Basic Savings Bank Deposit Account (BSBDA) / Pradhan Mantri Jan Dhan Yojna (PMJDY)
- Savings Account for Visually Impaired / Incapacitated (Special Needs)
- SAVINGS ACCOUNT FOR UNLEARNED (SPECIAL NEEDS)
Savings Account- Schedule of charges (Accounts opened till July 31, 2025) - (Discontinued from new sourcing)
- Family 3600Banking
- Wealth & Private Banking
- Campus Power Savings Account
- Smart Star Savings Account - Regular & Wealth
- SMART STAR SAVINGS ACCOUNT WITHOUT GUARDIAN CONSENT
- YOUNG STAR SAVINGS ACCOUNT – REGULAR & Family 360 Banking
- Young Star Savings Account – Wealth & Private Banking
- Senior Citizen Regular Savings Account
- Pension Accounts
- Regular Savings Account
- REGULAR SAVINGS ACCOUNT (Discontinued)
- Advantage Woman Savings Account
- Privilege Accounts–Advantage Woman Savings Account
- Asset Linked Savings Account
- AURA Savings Account
- Bank@Campus Account
- Gold Savings Account
- Gold Privilege Savings Account
- BizSavings Account
- Broking IDirect Linked Savings Account
- Easy Receive Savings Account
- Freedom Savings Account
- No Frills Account
- Prime & Prime Pro Program
- Privilege Accounts – Young Star & Smart Star
- Privilege Banking Accounts – Non Senior Citizen
- Privilege Banking Accounts – Senior Citizen
- Salute Doctors Account
- Savings Accounts Linked to Family ID
- Silver Savings Account
- The One Savings Account
- Self Help Group sourced through Business Correspondence
- Common Service Charges
- Insta Save Premium Savings Account
- Self Help Groups
Salary Accounts – Schedule of charges
Salary Accounts –Schedule of charges (Discontinued for new account opening)
Debit Cards
- Unifare Debit card
- Coral Paywave Debit Card
- Expressions Sapphiro Debit Card
- Manchester United Debit Card
- Manchester United Coral Debit Card
- Manchester United Sapphiro Debit Card
- Coral+ Debit Cards
- Sapphiro Debit Cards
- Rubyx Debit Card
- Sapphiro Business Debit Card
- Mumbai Metro Coral Debit Card
- DMRC Coral Debit Card
- Bangalore Metro Coral Debit Card
- EMI on Debit Card
Credit Card
- ICICI Bank coral Credit Card
- ICICI Bank hpcl coral /visa/master card Credit Card
- ICICI Bank platinum Credit Card
- ICICI Bank sapphiro Credit Card
- ICICI Bank rubyx Credit Card
- Emirates Skywards Rubyx Credit Card
- Emirates Sapphiro credit Cards
- Emirates Skywards ICICI Bank Emeralde Credit Card
- Emeralde Private Metal Credit Card
- Emeralde Credit Card
- MakeMyTrip ICICI Bank Credit card
- MakeMyTrip ICICI Bank Signature Credit Card
- MakeMyTrip ICICI Bank Platinum Credit Card
- Manchester United Signature Credit Card
- Manchester United Platinum Credit Card
- Amazon Pay ICICI Credit Card
- Adani One Platinum Credit card
- Adani One Signature Credit card
- Times Black ICICI Bank Credit Card
- Chennai Super Kings ICICI Bank Credit Card
- NRI Credit Card
- Instant Platinum Credit Card
- Coral Credit Card Against Fixed Deposit
- Rubyx Credit Card against Fixed Deposit
- Sapphiro Visa Credit Card
Travel Cards
Prepaid Cards
Loans
Business & Corporate Banking
NRI Banking
Demat
Fee Based Services
Interest rates
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Savings Account
How are interest rates calculated?
Savings Bank Account interest is calculated on a daily basis on the daily closing balance in the Account, at the rate specified by ICICI Bank in accordance with Reserve Bank of India directives. The interest amount calculated is rounded off to the nearest rupee. With effect from March 30, 2016, interest will be paid quarterly in March, June, September and December.
ICICI Bank Savings Account interest rate w.e.f 12th June 2025.
| Across all Savings account balances |
|---|
| 2.5% |
Deposits
Loans
Marginal Cost of funds based Lending Rate (MCLR)
| MCLR effective July 22, 2025 | |
|---|---|
| Tenures | I-MCLR |
| Overnight | 7.85% |
| One Months | 7.90% |
| Three Months | 8.15% |
| Six Months | 8.35% |
| One Year | 8.40% |
RBI Policy Repo Rate and ICICI Bank External Benchmark Lending Rate
RBI Policy Repo Rate effective June 6, 2025 is 5.50%.
"ICICI Bank External Benchmark Lending Rate" (I-EBLR) is referenced to RBI Policy Repo Rate with a mark-up over Repo Rate. I-EBLR is 9.20% p.a.p.m. effective June 6, 2025.
Savings Account - Schedule of charges
Savings Account - Schedule of charges (Discontinued)
- Family 3600Banking
- Wealth & Private Banking
- Campus Power Savings Account
- Smart Star Savings Account - Regular & Wealth
- SMART STAR SAVINGS ACCOUNT WITHOUT GUARDIAN CONSENT
- YOUNG STAR SAVINGS ACCOUNT – REGULAR & Family 360 Banking
- Young Star Savings Account – Wealth & Private Banking
- Senior Citizen Regular Savings Account
- Pension Accounts
- Regular Savings Account
- REGULAR SAVINGS ACCOUNT (Discontinued)
- Advantage Woman Savings Account
- Privilege Accounts–Advantage Woman Savings Account
- Asset Linked Savings Account
- AURA Savings Account
- Bank@Campus Account
- Gold Savings Account
- Gold Privilege Savings Account
- BizSavings Account
- Broking IDirect Linked Savings Account
- Easy Receive Savings Account
- Freedom Savings Account
- No Frills Account
- Prime & Prime Pro Program
- Privilege Accounts – Young Star & Smart Star
- Privilege Banking Accounts – Non Senior Citizen
- Privilege Banking Accounts – Senior Citizen
- Salute Doctors Account
- Savings Accounts Linked to Family ID
- Silver Savings Account
- The One Savings Account
- Self Help Group sourced through Business Correspondence
- Common Service Charges
- Insta Save Premium Savings Account
- Self Help Groups
Salary Accounts – Schedule of charges
Salary Accounts –Schedule of charges (Discontinued)
Debit Cards
- Unifare Debit card
- Coral Paywave Debit Card
- Expressions Sapphiro Debit Card
- Manchester United Debit Card
- Manchester United Coral Debit Card
- Manchester United Sapphiro Debit Card
- Coral+ Debit Cards
- Sapphiro Debit Cards
- Rubyx Debit Card
- Sapphiro Business Debit Card
- Mumbai Metro Coral Debit Card
- DMRC Coral Debit Card
- Bangalore Metro Coral Debit Card
- EMI on Debit Card
Credit Card
- ICICI Bank coral Credit Card
- ICICI Bank hpcl coral /visa/master card Credit Card
- ICICI Bank platinum Credit Card
- ICICI Bank sapphiro Credit Card
- ICICI Bank rubyx Credit Card
- Emirates Skywards Rubyx Credit Card
- Emirates Sapphiro credit Cards
- Emirates Skywards ICICI Bank Emeralde Credit Card
- Emeralde Private Metal Credit Card
- Emeralde Credit Card
- MakeMyTrip ICICI Bank Credit card
- MakeMyTrip ICICI Bank Signature Credit Card
- MakeMyTrip ICICI Bank Platinum Credit Card
- Manchester United Signature Credit Card
- Manchester United Platinum Credit Card
- Amazon Pay ICICI Credit Card
- Adani One Platinum Credit card
- Adani One Signature Credit card
- Times Black ICICI Bank Credit Card
- Chennai Super Kings ICICI Bank Credit Card
- NRI Credit Card
- Instant Platinum Credit Card
- Coral Credit Card Against Fixed Deposit
- Rubyx Credit Card against Fixed Deposit
- Sapphiro Visa Credit Card