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What is the minimum balance required to be maintained for Advantage Woman Savings Account?

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The minimum Monthly Average Balance (MAB) required to be maintained for Advantage Woman Savings Account is Rs. 10,000.

Charges for Non-maintenance of Minimum MAB (NMMAB) with effect from June 1, 2016.

What should I do if not receive the OTP on the mobile number registered with ICICI Bank?

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If you do not receive the OTP on your mobile number, check if the mobile number registered in your account is correct.


1. In case the mobile number is incorrect, please register the correct mobile number in your savings account through ICICI Bank ATM or by visiting any ICICI Bank branch.

2. In case the mobile number is correct, Click on 'Regenerate' option provided on the One Time Password Authentication page.

3. In case the issue still persists, please call our Customer Care from your registered mobile number. To know the local Customer Care numbers, please click here.

What is Advantage Woman Savings Account?

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ICICI Bank Advantage Woman Account is a Savings Account for the woman of today who is looking for independence and an identity of her own, a Savings Account which will help her save for the future as well enjoy the present.

This Savings Account brings to you all our core banking services with many exciting benefits and features attached, especially for our women customers.

What is the eligibility criteria for opening Advantage Woman Savings Account?

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The account can be opened with primary applicant as any resident Indian woman (majors above 18 years).

What is the minimum Monthly Average Balance (MAB) required to be maintained by the Family?

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The minimum Monthly Average Balance requirement for a Family ID is defined at the family level instead of the individual Customer ID level and is called Family Monthly Average Balance (FMAB). The minimum FMAB required to be maintained by the family is as follows:

Minimum balance requirementSavings FamilySilver FamilyGold Privilege FamilyTitanium Privilege Family
FMABRs. 30,000 (Metro/Urban Family) Rs. 20,000 (Semi-urban/Rural Family)Rs. 50,000Rs.1,00,000Rs.1,25,000 (reduced from Rs. 1.5 lac w.e.f. December 1, 2012)
Non-maintenance of FMAB chargesi. Rs. 500 per month if MAB falls below 10k
ii. Rs. 350 per month if MAB is above 10k and below 20k
iii. Rs. 175 per month if MAB is above 20k and below 30k (applicable only for Metro/Urban Family.)
i. Rs. 500 per month if MAB falls below 20k
ii. Rs. 350 per month if MAB is above 20k and below 50k.
i. Rs. 500 per month if MAB falls below 20k
ii. Rs. 350 per month if MAB is above 20k and below 50k
iii. Rs. 175 per month if MAB is above 50k and below 1 lac.
i. Rs. 500 per month if MAB falls below 20k
ii. Rs. 350 per month if MAB is above 20k and below 50k
iii. Rs. 175 per month if MAB is above 50k and below 1 lac iv. Rs. 100 per month if MAB is above 1 lac and below 1.25 lac.
Waiver of FMAB chargesSubject to FD of minimum Rs. 1.5 lac for Metro / Urban Family and Rs. 1 lac for Semi-urban / Rural Family, under the same Family ID.Subject to FD of minimum Rs.2.5 lac under the same Family ID.Subject to FD of minimum Rs.5 lac under the same Family ID.Subject to FD of minimum Rs.6.25 lac (reduced from Rs. 7.5 lac w.e.f. December 1, 2012) under the same Family ID

Categorisation of the Savings Family as Metro / Urban or Semi-Urban / Rural will be on the basis of the branch category where the primary customer ID of the Family ID is opened

Can I close my goal mid way? Is there any penalty?

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Yes, you can close the Iwish account at any time. However, pre closure charges applicable.
If a iWish RD Account is prematurely closed, then the interest on it will be earned for the period it is held with the bank minus the premature closure charges and is 0.5% if original tenure is less than 1 year and 1% for more than 1 year.

What are the benefits of Family Banking?

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The key benefits of Family Banking include the following:

  • Pricing benefit: The minimum MAB required to be maintained at the Family ID level is much lower than the MAB required to be maintained at the individual Customer ID level to avail of the same product benefits. Illustration: The minimum required MAB for a Gold Privilege Account is Rs. 50,000 and the minimum required FMAB for a Gold Privilege Family is Rs. 1,00,000. If 4 members of a family group together to form a Gold Privilege Family, then the minimum balance required to be maintained per person is Rs. 25,000. This is much lower than the MAB of Rs. 50,000 required to be maintained at the individual level.
  • Flexibility to maintain balances across accounts: Family Banking provides the flexibility to maintain the required minimum balance in any one or more of the accounts which are linked under the same Family ID.
  • Privilege benefits to all members: Family Banking makes the superior product benefits of an upgraded status available to all members of the family linked under the Family ID while the required minimum balance can be maintained in any one of the accounts.
  • All banking needs are catered to by a single 'Family' Bank.

Can two Savings Accounts be linked under a Family ID?

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Yes, two Savings Account holders can form a Savings Account Family ID.

What are the special privileges of Advantage Woman Savings Account?

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  • A special Woman’s Debit card
  • Unlimited cash withdrawal transactions at any bank’s ATM, free of charge

For privilege advantage woman accounts, Click Here.

What are the features of Advantage Woman Savings Account?

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  • A special Woman’s Debit card
  • Unlimited cash withdrawal transactions at any Bank’s ATM, free of charge
  • Money Multiplier Facility
  • Anywhere Banking
  • Free multi-city cheque book
  • Free Internet Banking and Mobile Banking
  • Free Email Statement facility
  • Standing instructions facility
  • Nomination facility is available

For privilege advantage woman accounts, Click Here.

What kind of rewards can I get by referring my friends?

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Each referral programme has different rewards in the form of gift vouchers, discount coupons, etc. for the referrer and/or the referred person. Please refer to the information given about each referral programme at www.icicibankrefer.com for details about the rewards.

How can payment be done?

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Payment can be done by the following methods:

  1. Through debit of Credit Ledger of the taxpayer maintained on the Common Portal- ONLY Tax can be paid. Interest, Penalty and Fees cannot be paid by debit in the credit ledger. Tax payers shall be allowed to take credit of taxes paid on inputs (input tax credit) and utilize the same for payment of output tax. However, no input tax credit on account of CGST shall be utilized towards payment of SGST and vice versa. The credit of IGST would be permitted to be utilized for payment of IGST, CGST and SGST in that order.
  2. In cash by debit in the Cash Ledger of the taxpayer maintained on the Common Portal. Money can be deposited in the Cash Ledger by different modes, namely, E-Payment (Internet Banking, Credit Card, Debit Card); Real Time Gross Settlement (RTGS)/ National Electronic Fund Transfer (NEFT); Over the Counter Payment in branches of Banks Authorized to accept deposit of GST.

Do you have more questions on Advantage Woman Savings Account?

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To know more about frequently asked questions, Click Here.

What is the rate of interest for iWish RD?

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To know the existing interest rates, we request you to click here

To open iwish click here.

Which accounts are eligible to be grouped under the Family ID?

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Only Savings Account holders, with the exception of the No Frills, HUF and NRI Account holders are eligible to form the Family ID. Account holders who have only Fixed Deposit or Recurring Deposit Accounts are not eligible to form a Family ID under Silver Family, Gold Privilege Family, Titanium Privilege Family, Wealth Management Family or GPC Family.
Only Savings Account, Advantage Woman Savings Account, Senior Citizen Savings Account and Youngstars Savings Account are eligible to form the Family ID, under Savings Family.

What is ICICI Bank Family Banking?

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Family Banking is a product in which individual members of a family can group their respective relationships (Savings Account, Fixed Deposit, Recurring Deposit), i.e. their Customer IDs with ICICI Bank, under a single ID called the 'Family ID'.

On what value do we have to pay GST?

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GST would be payable on the the ‘Transaction value’.

Transaction value is the price actually paid or payable for the said supply of goods and/ or services between unrelated parties. The transaction value is also said to include all expenses in relation to sale such as packing, commission etc.

However, discounts/ incentives given before or at the time of supply will be permissible as deduction from the transaction value. As regards, discounts given after supply is made, the same will be permissible as deduction, subject to fulfillment of prescribed conditions.

How can I join the Family Banking relationship?

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You will need to fill up the Family Banking Application Form and provide the relevant details. The family is required to define the head of the family and this will be recognised as the Primary Customer ID by ICICI Bank.

Can a Privilege Account, i.e. Gold Privilege Account/Titanium Privilege Account, and a Savings Account be linked under a Family ID?

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Only Savings Accounts can be linked to a Savings Family ID. Savings Account and Privilege / Wealth / GPC Account can be linked under any other family variant except for Savings Family.

What if I achieve the goal early?

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You can continue to keep the amount into your goal till the end of the period for which the goal was originally targeted to be achieved. Moreover, you will continue to get higher rate of interest for the rest of the period.
 

What are the minimum and maximum number of members who can form a Family ID?

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A minimum of 2 and a maximum of 6 members of a family can form a Family ID.

From which account under the Family ID will the charges be collected in the event of non-maintenance of Family Monthly Average Balance (FMAB)?

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The non-maintenance of FMAB charges are collected from the Primary Customer ID's account. If there is an insufficient balance in these accounts, then the charges are recovered from any other account under the Family ID.

Can members of a Family ID close the Family ID?

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Yes, members of a Family ID can use the Family Banking Application Form to close the Family ID relationship with ICICI Bank. Consent from all the members of the family is required on the Family Banking Application Form.

Which account holder can I nominate as the Primary Customer ID?

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Any member of the Family ID is eligible to become the Primary Customer ID, except for Young Star and Bank@Campus Account holders.

When do I get my rewards for the referrals?

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Each referral programme has different stages at which it rewards the referrer and/or the referred person. Please refer to the information given about each referral programme at www.icicibankrefer.com for details about the rewards.

What is the minimum balance requirement for the Wealth and Global Private Client Family?

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There is no minimum Monthly Average Balance requirement for the Wealth and Global Private Client Family. The Deposits and Investments Value (DIV) / Total Relationship Value (TRV) requirement is as per the definition at the individual level along with the applicable terms and conditions. For example, if the Deposits and Investments Value (DIV) required to be maintained for a Wealth Management Account holder is Rs. 25 lac, then the Deposits and Investments Value (DIV) required to be maintained by the Wealth Management Family is also Rs. 25 lac.

Similarly, for GPC Families, the Total Relationship Value (TRV) is Rs. 2 crore at the family level.

What are the variants under which Family Banking is available?

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Family Banking is available in the following 6 variants:

  • Savings Family
  • Silver Family
  • Gold Privilege Family
  • Titanium Privilege Family
  • Wealth Management Family
  • Global Private Clients Family

Which of my family members can be grouped under the same Family ID?

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Family members including parents, spouse, children, grand parents, grand children, in-laws and siblings of the Primary ID holder can be linked under the same Family ID.

What are the eligibility criteria for the Wealth and Global Private Client Family?

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At least one of the members of the family should be either an existing Wealth Management or a Global Private Client at the time of creation of the family.

Are non-maintenance of FMAB charges applicable for Salary Account holders who are grouped under a Family ID?

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Yes.