Senior Citizens Account
Curated solutions for senior citizens offering convenience and safety through 24/7 call assistance on phone banking, higher returns on FD and SCSS for their overall financial well-being.
Monthly Payout FD
Digital Convenience
NIL Service Charges
Special Banking Advantages for Senior Citizens
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Safe and Secure Banking
Safeguard your funds with an additional security layer through Smart Lock to lock or unlock payment modes anytime or anywhere and Card controls
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Convenience at your fingertips
Digital Interest Certificate
Submit form 15H digitally
Submit digital life certificate through Net Banking
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Exclusive Investment Options
Higher interest rate on FD of any amount in select tenures. Earn fixed income regularly with Monthly Payout FD. Assured returns with government backed Senior Citizen Savings Scheme (SCSS)
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Service Charges
Nil charges on all services like ATM withdrawals, Debit Card, SMS Alerts, etc. Only Penal Charges are applicable like ECS/NACH Returns, Cheque Returns, etc.
Click here for detailed list of charges. -
Anytime Assistance
24*7 assistance on calling 18001080
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Monthly Average Balance (MAB)
MAB: Metro and Urban locations - ₹15,000; Semi-urban locations - ₹7,500 and Rural locations- ₹2,500 or flexibility to maintain the programme eligibility criteria
SmartLock: Secure you digital banking anytime, anywhere!
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Control access to your key banking services effortlessly
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Lock or Unlock services such as UPI, debit or credit cards, Net Banking and iMobile app
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Access anytime, anywhere, through ICICI Bank's iMobile app, Net Banking or by calling our toll-free number 1800 1080
Essential Services for Senior Citizen Bank Account Holders
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Lock or unlock banking services temporarily with SmartLock
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Digital Interest Certificate
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Digital Form 15H Submission for seamless Tax Deducted at Source (TDS) exemption on eligible interest income
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Submit Life Certificate digitally
Investment Solutions with Higher Returns for Senior Citizens
Enjoy Extra Privileges With Our Exclusive Programmes
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Relationship team for your financial needs
Private Banking and Family Office
- Relationship Team for your financial needs
- Client focused investment solutions across all asset classes validated through Group Investment Council
- Family Banking: Extend benefits that you enjoy, to your family
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Personalised Solutions
Wealth Management
- Dedicated relationship team and priority assistance
- Diversified range of investment options that balance growth and safety
- Family Banking: Extend benefits that you enjoy, to your family
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Preferential Offerings on Loans
Select
Banking- Domestic lounge access with your Debit Card
- Preferential offerings on Demat and Loan processing fees
- Preferential offerings on Loans: Extend benefits to your family members
Private Banking and Family Office
- Relationship Team for your financial needs
- Client focused investment solutions across all asset classes validated through Group Investment Council
- Family Banking: Extend benefits that you enjoy, to your family
Senior Citizen Account Service Charges
Accounts opened from 01 August 2025
Accounts opened till 31 July 2025
- Click here to view the service charges applicable for accounts opened till July 31, 2025
Also applicable for Savings Account integrated with Demat and Trading Account (3-in-1 Account)
Digital Banking
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Transfer money easily from anytime, anywhere
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Submit Form 15H
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Open FD instantly
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Lock or Unlock all payment modes anytime with SmartLock
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Added security with Two-step verification for online transactions
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Track and manage all your finances
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Set transaction limit for an added level of security
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Submit Life Certificate digitally
Exclusive Offers
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Anvayaa
Specially curated elder care plan with dedicated helpline, personal care manager, emergency assistance and more at ₹82,000
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Apollo Pharmacy
15% off on Apollo products, 10% off on medicines and 5% off on FMCG products
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Tax Buddy
20% off on all Tax-related services like ITR Filing, GST Filing, Tax planning and more
Senior Citizen Solution FAQs
How does ICICI Bank ensure safety and security of its customers?
How does ICICI Bank ensure safety and security of its customers?
To ensure safety and security of our customers, we use multiple features like two-step verification for fund transfers, blocking or unblocking of online transactions, timed logouts for inactive users and many more.
Is it possible for me to get my queries resolved from the comfort of my home?
Is it possible for me to get my queries resolved from the comfort of my home?
You can avail our doorstep banking facility by calling on 1800 1080 from your registered mobile number at no additional cost. To know more click here
Is there a helpline or customer support that I can contact in case of any queries?
Is there a helpline or customer support that I can contact in case of any queries?
Yes, ICICI Bank provides dedicated customer support. You can call 1800 1080 from your registered mobile number for any queries.
Will I get tax benefits by investing in SCSS?
Will I get tax benefits by investing in SCSS?
By investing in SCSS, you can avail tax benefits of up to ₹1.5 lakh under Section 80C of the Income Tax Act. The investing limit of SCSS has increased from Rs. 15 lakh to Rs. 30 lakh.
How can I submit life certificate at ICICI Bank?
How can I submit life certificate at ICICI Bank?
If you have a Pension Account with ICICI Bank, you can easily submit your life certificate through video call, Jeevan Pramaan Face App, tablet or physical form submission at the branch. If you don’t have a Pension Account with us, you can submit it through the Jeevan Pramaan Face App or tablet at the branch.
What are the exclusive benefits of the National Pension System (NPS)?
What are the exclusive benefits of the National Pension System (NPS)?
NPS is a voluntary retirement savings system designed by the government of India offering benefits like low cost investment products, account portability across employers and locations and tax free withdrawals up to 60% and remaining 40% for annuity purchases, etc.