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The Monthly Average Balance (MAB) is calculated on a simple average of day-end balances for a calendar month. The MAB is calculated by adding the closing ledger balance of the account of each day from the start of the month to the end of the month. Then the total sum amount is divided by the number of days in that month.

Once your account is successfully opened, you can log in to iMobile, set your 4-digit passcode and start exploring. For Internet Banking, you can generate your password with your User ID provided after account opening.

Cheque book is available with every Insta Save Account, which would be sent to you post successful KYC verification. Your cheque book will be dispatched to your communication address.

Yes. You will be receiving a Platinum Visa Debit Card on your communication address once your account is successfully opened.

You can open Savings Account (Insta Save Account) online by downloading our iMobile or by visiting us online.

It is important to appoint a nomineefor all your assets so that the assets reach the right person in the unfortunate event of your death. The nominee you select must be a reliable person who can take care of the asset. Below are the rights of the nominee:

• He has no right over your money unless specified under the will or if he/she inherits the money.
• Nominee is a mere custodian.
• He is the contact person for the account, in case the account holder is not reachable or in an event of the account holder’s death.
• The nominee directs the court on how to go about the account in case of the account holder’s demise.
• At the time of claiming for the deposit, the nominee will have to provide identification proof.
• If the nominee is a minor, the guardian will sign on his/her behalf. We require the nominee’s and the guardian’s name, address and photograph.

Insta Save Account is available for resident individual above the age of 18 years and up to 60 years.

Post your account opening, while you can start enjoying our account benefits, you will receive a call from our Sales Officer who will set an appointment with you whenever you are available to complete your biometric KYC verification.

Immediately after account opening, you can deposit a maximum of Rs 1 lakh. Once our official visits you and successfully completes your KYC verification, you can use it without any limitations.

You can deposit money during the account opening journey itself. If you wish to deposit money post account opening, you can use cheque deposit, Immediate Payment Service (IMPS) or National Electronic Funds Transfer (NEFT) from any other bank account. You can also visit the branch to do the cash deposit to your account.

Insta Save Account is an Aadhaar based instant Savings Account for our customers who do not have any existing Savings Account with ICICI Bank.

We request you to get your Aadhaar card made as Insta Save Account can be opened only if Aadhaar details are provided.

At the discretion of bank, your Insta Save Account can be closed.

Yes, PAN card is mandatory to open your Insta Save Account.

No, there is no monthly fee. You have to maintain a minimum Monthly Average Balance (MAB) of Rs 10,000 if you open an Insta Save Account and no minimum monthly balance is required in the case of Insta Save FD.

The minimum amount required for your Fixed Deposit is Rs 10,000 for a minimum period of 1 year in your Insta Save FD account.

Yes, you can fund your Fixed Deposit anytime during the first 3 months after you have opened your instant Savings FD Account online.

Insta Save Account: Aadhaar based instant Savings Account requiring a minimum balance of Rs 10,000.

Insta Save FD Account: Aadhaar based instant Savings Account requiring an FD of Rs 10,000 for a minimum tenure of 12 months to enjoy the dual benefits of no balance commitment and FD investment packed into one.

After your FD withdrawal or on completion of FD term, you will have to open another FD within 3 months to continue enjoying your no balance commitment benefits.

FATCA stands for Foreign Account Tax Compliance Act. As per RBI guidelines, all banks have to collect FATCA from every customer who opens a Savings Account with us. FATCA came into being to combat tax evasion and to ensure strict adherence to tax rules. Its main objective is to identify and prevent offshore tax avoidance by US citizens or residents.

Yes, you can! You would get an application number which you can use to continue your application anytime, from where you left off.

Yes, your information is completely secure with us. Security of your personal and banking information is of utmost importance to us.

• Platinum Visa Debit Card with exciting offers and Visa Privileges
• Free Internet Banking and Mobile Banking
• Free multi-city cheque book
• Free e-mail statement facility
• Enjoy 5 free ATM withdrawals at any bank ATM every month
• Get air accident insurance and purchase protection insurance of Rs 50,000 each with Insta Save Accounts
• Experience 24x7 banking access with the best mobile banking app in India, iMobile* and Internet Banking services
• Exciting offers on restaurants near you, online shopping – electronics, groceries, apparels and accessories, travel and much more with Insta Save Accounts

No, there are no fees applicable while withdrawing from your Savings Account.

Your FD will automatically be renewed after the completion of FD period at the applicable interest rate.

Insta Save Account is intended to be for single holding purposes and cannot be held jointly.