At present, I have (a) two seperate Demat Accounts with ICICIDIRECT, first one in my name and the second one in my spouse's name and (b) two seperate Savings Bank accounts, first one in my name and the second one in my spouse's name. I am primarily operating SB Accounts for the limited purpose of applying for IPOs etc.

I have seen a news item according to which ICICI Bank will hike the minmum Average Quarterly Balance (AQB) from present Rs 5000 to Rs 10000 from Jul 08 onwards

So I now propose (a) to continue two seperate Demat Accounts (b) to close SB account in the name of my spouse and (c)convert the SB account now in my name as Joint Account with my spouse on either or survivor basis.

It appears as though ICICIDIRECT does not permit such arrangement. Could you pl. suggest alternaive courses of action available.

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