NRI Family Banking FAQ

ICICI Bank NRI Family Banking is a unique program designed to bring the financial lives of Non-Resident Indians and their family members in India under one integrated relationship. It allows NRIs to link their own accounts with those of family members, ensuring shared privileges, convenience in remittances, and premium service through one consolidated relationship.

Unlike a standalone NRI Savings Account, Family Banking connects the NRI’s account with those of family members, offering a collective relationship value. This structure allows all linked members to enjoy shared benefits such as Dedicated relationship manager for your entire family, low balance requirements with flexible account options, shared banking privileges across family, and other exclusive benefits , while maintaining individual account ownership.

An NRI can link their immediate family members — spouse, parents, children, or siblings — who hold ICICI Bank resident accounts in India. All members continue to own and operate their individual accounts independently while enjoying family-level benefits.

**Deposits include Fixed Deposits/Recurring Deposits

^AUM- Mutual Funds Assets under Management

#Non-Maintenance of minimum Monthly average balance

Only Savings Account holders (excluding No Frills, HUF, and Current Accounts) are eligible for Family Banking.

Accounts like Advantage Woman Savings, Senior Citizen Savings, and Youngstars Savings can be included.

Family ID will be dissolved if the MIB is not maintained for consecutive months.

There are three tiers —NRI Private Banking Family, NRI Premium Family, and NRI Select Banking Family depending on the combined relationship value. Each level comes with customized privileges and enhanced service offerings.

It seamlessly bridges the distance between NRIs and their families by consolidating savings,  and benefits. The program provides NRIs a single view of their family’s banking relationships while ensuring each member continues to transact independently.

Yes, a resident Indian Savings Account holder can be part of NRI Family Banking. However:

• The NRI customer ID must be the primary customer ID in the NRI Family ID.
• A minimum of two and a maximum of nine members can form a Family Banking relationship.

Yes. The combined balances across all linked family accounts should meet the minimum average monthly balance criteria, which vary by the Family Banking variant click here to know the balance requirements

• What are the different Family Banking variants?

  • NRI Private Banking Programme: NRI members get Private Account benefits, while resident members get upgraded to Resident Private Account benefits.
  • NRI Premium Programme: NRI members enjoy Premium Account benefits, while resident members receive Wealth Account benefits.
  NRI Select Banking Programme: NRI members get Select Account benefits, while resident members get upgraded to Resident Select Account benefits. Click here for Term & Conditions

Yes. Your spouse can be linked as a co-member or joint account holder. Both of you can maintain independent NRE/NRO accounts under one consolidated family relationship.

Your request may be rejected if incorrect or incomplete details are provided. To raise the request for family banking click here to login Please make sure you fill in all required fields, and attach necessary documents.

Yes. Children can be added as members if they hold NRE/NRO accounts with ICICI Bank or are joint holders in a family account..

You can initiate it via Net Banking, iMobile App, or through your Relationship Manager.

A combined average monthly balance (across all family accounts) must be maintained as per the program guidelines. The bank periodically reviews the combined balance to ensure continued eligibility click here to know the balance requirements

Yes. You can add or remove members anytime by submitting an updated Family Banking request form or contacting your RM

No. There is no joining or maintenance fee for linking members under the NRI Family Banking relationship.

Once documents are verified, the Family Banking relationship is usually activated within 3–5 working days. A confirmation email is sent to all linked members

The bank notifies the primary NRI member and provides a grace period to restore the balance. If not maintained, Non maintenance of Average monthly balances charges are applied click here to visit the service charges page

Yes, joint accounts are allowed as long as at least one account holder is part of the family relationship and meets the eligibility criteria

Yes. Parents with resident savings accounts in India can be added easily.

Interest is the same as applicable to regular savings accounts. Click here to know the current rate of interest.

Yes. The NRI can maintain NRE/NRO accounts, while resident members can hold domestic savings accounts. All will be linked under one relationship ID.

No. The program offers zero maintenance fees on all linked accounts as long as the required combined average monthly family balance is maintained click here to know the balance requirements

Yes. The primary NRI member receives a Relationship Manager who oversees the family’s linked accounts, investment guidance, and service requests. The RM ensures seamless coordination between overseas and Indian family members.

Yes. Premium variants offer Domestic and International airport-lounge access (on specific debit cards)concierge assistance

It simplifies multi-member financial management through consolidated servicing, dedicated Relationship Manager support, The program also offers emotional assurance by connecting overseas NRIs and their families under one banking relationship.

No. It continues automatically as long as the combined balance criteria are met.

Yes. Resident members may be upgraded to premium cards depending on family relationship value and variant.

Visit icicibank.com/nri-banking/accounts/family-banking or contact your Relationship Manager. You can also reach the 24×7 NRI helpline for detailed guidance.

It combines financial discipline and emotional connectivity — helping NRIs care for their families through secure banking, priority service, and shared benefits within a single trusted relationship framework.

They can redesignate their account as NRE/NRO while staying within the same family relationship, ensuring privileges continue uninterrupted