ACKNOWLEDGEMENTS

I would like to express my thanks to Mr. Amit Mishra of ICICI

Banking, for providing me the opportunity to explore the area of ICICI
Bankings market in India.

I would also like to register my special thanks for Mr. Shailesh

Sharma, who immensely helped and rendered his valuable advice
and suggestion and guidance has made this project possible for me.

(AUSAF ALI)

PREFACE

I have immense pleasure to declare that I have got a rare opportunity

of working on the market position of the esteemed banking company
of India, ICICI Banking as a part of my MBA programmer.
I decided to pick up ICICI Banking for my project work (amongst the
various options available) because of the perfect research material
due to ICICI position in the Indian market segment as well as the
huge growth it has shown within years of getting launched.
In the course of my study, I have tried to ascertain the
consumer behavior and the main resources and advantages or
disadvantages of ICICI Banking.

AUSAF ALI

PROJECT REPORT
ON
MARKET PROFILE AND PENETRATION
STUDY OF
ICICI BANKING

Submitted by:

AUSAF ALI
(Roll No: - 510729202)
MBA Semester VI

In partial fulfillment of the requirement for

MBA Degree Programmer
of Sikkim Manipal University, India

CHAPTER PLAN
SEC-1
1. OVERVIEW
2. ANYWHERE BANKING
3. ICICI CREDIT CARD
4. ICICI DEBIT CARD
5. ICICI BANKING
6. FIXED DEPOSITE
7. LOANS
8. MUTUL FUND INVESTMENT

Overview
ICICI Bank is India's second-largest bank with total assets of about
Rs.132,780 crore at September 30, 2004 and profit after tax of Rs. 873
crore in the half year ended September 30, 2004 (Rs. 1,637 crore in fiscal
2004). ICICI Bank has a network of about 470 branches and extension
counters and over 1,800 ATMs. ICICI Bank offers a wide range of banking
products and financial services to corporate and retail customers through a
variety of delivery channels and through its specialised subsidiaries and
affiliates in the areas of investment banking, life and non-life insurance,
venture capital and asset management. ICICI Bank set up its international
banking group in fiscal 2002 to cater to the cross-border needs of clients
and leverage on its domestic banking strengths to offer products
internationally. ICICI Bank currently has subsidiaries in the United Kingdom
and Canada, branches in Singapore and Bahrain and representative
offices in the United States, China, United Arab Emirates and Bangladesh.
ICICI Bank's equity shares are listed in India on the Stock Exchange,
Mumbai and the National Stock Exchange of India Limited and its
American Depositary Receipts (ADRs) are listed on the New York Stock
Exchange (NYSE).
At October 31, 2004, ICICI Bank, with free float market capitalisation*
of about Rs. 220.00 billion (US$ 5.00 billion

Anywhere Banking
ICICI Bank is the second largest bank in the country. It services a customer base of more than 5
million customer accounts through a multi-channel access network. This includes more than 400
branches and extension counters, over 1000 ATMs, Call Centre and Internet Banking.
Thus, one can access the various services ICICI Bank has to offer at anytime, anywhere and
from anyplace. To learn more about the various channels, please click on the topic of your
interest mentioned in the left menu.

ICICI BANK
CREDIT
CARD

Credit Card Features

You can use your ICICI Bank Credit Card, online too.
Redeem Reward Points
Check out our rewards catalogue & order online against your reward points.

Payment Due Dates

Check out payment status and amount due.
Credit Card Statements by email
Subscribe for free statements delivered to your email address.
View Statements
View and print current and past statements.
Place request for change of address
Issue instruction to change your communication address.
Pay your Utility bills
Online bill payment facility using your Credit Card.
Subscribe for Credit Card alerts
Credit Card alerts for people on the move.
Dial A Draft
Order for DD to be delivered to your address.
Duplicate Pin
Apply online for your duplicate pin to withdraw cash on Credit Card offline.
Secure Mailbox
Track your communication and resolve your queries with ICICI Bank.
Request for an add on card
Delivered to your communication address on request.

Premium Cards: Features at a Glance

ICICI Bank Solid Gold Credit Card

Most Powerful Global Card

Benefits

Welcomed internationally at over 22 million merchant establishments.

High credit and cash limits.

Dial a draft free.

Balance transfer at 1.5%.

Zero lost Card liability.

Complimentary Teleoptima Calling Card.

Access to Global Customer Assistance Services.

Purchase protection of Rs.40,000.

Most powerful catalogue based rewards Program.

Comprehensive Travel Benefits.

Comprehensive Insurance for both primary and add-on Cards upto Rs. 20
lakhs.

Household insurance upto Rs.75,000.

Baggage insurance upto Rs. 25,000.

Hospitalisation Benefit policy upto Rs.50,000.

Mobile Alerts and Statement by E-mail

Classic Cards: Features at a Glance

ICICI Bank Sterling Silver Credit Card

A Card that offers special benefits to all members of your family starting with a Free
"Bandhan" add-on Card.

Comprehensive Insurance for both primary and add-on Cards upto Rs. 10
lakhs.

Household insurance upto Rs.20,000.

Baggage insurance upto Rs. 10000.

Hospitalisation Benefit policy upto Rs.25,000.

Purchase protection of Rs.20,000.

Comprehensive travel related insurance.

Zero Lost Card liability.

Dial a draft at 1%.

Balance transfer at 1.75%.

Most powerful catalogue based rewards Program.

Comprehensive Travel Benefits.

Accepted at over 22 million merchant establishments globally.

Complimentary Teleoptima Calling Card.

Mobile Alerts and Statement by E-mail

ICICI Bank - American Express Green Credit Card

The true Companion - The most powerful International Classic Card

powered by American Express services worldwide and rewarding
generously on your spends.
Exclusive Benefits

Most powerful catalogue based rewards Program - Earn 1reward points on

every Rs. 40 you spend.

Basic Assist services (Medical, Legal, Personal and Travel) by American

Express Global network.

0% fuel surcharge

American Express SelectsSM is an exciting selection of year round offers and

discounts. Wherever you find yourself in the world, you'll enjoy exceptional
value and privileges in travel, leisure, dining and shopping. For details on
these special benefits in key destinations worldwide.

Comprehensive Personal Accident Insurance upto Rs. 15 lakhs.

Discount of 5% on international and 3 % on domestic air travel bookings by

BTI-Sita

American Express Travelers Cheque and foreign exchange easily available

through American Express Travel Service locations free of commissions.

ICICI Bank Visa Mini Card

Discover the big difference with the worlds smallest Card.

ICICI Bank Visa Mini Card Indias first Mini Card, is designed keeping you in
mind.
Discover a whole new way of carrying your money.
Sling it around your neck, or wrap it around your wrist, or just dangle it from your
key chain. Whichever way, you are sure to attract more attention than you
bargained for.
Whats more, it comes along with a normal sized companion Card to enable you
to use it at ATMs and at certain merchant establishments that do not have the
electronic swiping machine. Making sure you do not need to carry your wallet at
all.
Special Features and benefits

A set of accessories namely a Card casing, lanyard and key ring come
absolutely free with the Card.

Fabulous offers on Nike, Provogue, Cupid Jewellery from TBZ, Pizza Corner
and Rediff merchandise.

Click here to access privileges and super deals at the most happening
hotspots in your city.

Regular features of ICICI Bank Sterling Silver Card.

ICICI Bank Easy Deposit Card

ICICI Bank Easy Deposit Card is a card linked to you Fixed Deposit with ICICI
Bank. It boosts of some never before features making it the most powerful card in
the industry.
Special Features :

Only Indian card with the lowest ever interest rate of just 0.99% per month.

Lowest interest rate on cash withdrawal at just 1.49% (with Nil cash advance
fee at ICICI Bank ATMs)

2.5% fuel surcharge waiver at HPCL pumps.

Earn upto 5 reward points/ Rs100 with ICICI Bank unique Express Rewards
programme.

A card that does not requires any income proof.

Your underlying Fixed Deposit continues to earn interest.

Get free insurance cover of upto Rs.20,00,000 on Gold and upto Rs. 10,00,000
on Silver card.

International validity.

All the regular benefits of ICICI Credit Cards.

Access to 24 hour customer care center.

Available both as Silver and Gold variant.

Eligibility :

Minimum FD value Rs. 20,000 for Silver card and Rs. 40,000 for Gold card.

Bandhan

You can freely present a maximum of two add-on Cards to your wife, sister,
brother, parents or children above 18 years of age. To apply for this add-on Card,
referred to as "Bandhan", just call the ICICI Bank 24-hour Customer Care Centre
and place your request with an executive. A form will be sent to you. Also if you
have linked your Credit Card with your Internet banking User-id then you can
also place your request for an add-on Card online.

Balance Transfer Facility

If you own Credit Cards issued by other banks and wish to apply for an ICICI
Bank Credit Card, you can transfer the outstanding balance from your other
Card(s) on to the ICICI Bank Credit Card. This transferred outstanding will attract
an interest rate of just 1.75% for the Blue & Silver Cards and 1.50% in case of
the Gold Card. And whats more, this beneficial rate of interest is applicable for
six months (this special interest rate will not be applicable for new purchases).
You can transfer any amount from a minimum of Rs 2,000 to a maximum 75% of
the available credit limit on your ICICI Bank Credit Card.

Travel Benefits
Now you can Card for business travel or leissure travel, railway/airline
reservations, hotel bookings, car rentals and even travel-related documentation,
without any worries. ICICI Bank has tied-up with International Travel House Ltd.
(ITH) to give you fabulous discounts. You can avail discounts of 3.5%* on basic
domestic airfares and 5%* on the basic international airfares, 20%* discount on
ITC and non-ITC hotels and 10%* discount on national car rental tariffs. What's
more get upto 5%* discounts on standard holiday and leisure packages including
Taj summer and winter holiday packages booked through ITH. You also get
Forex and Travel Cheque services on your Credit Card. Your ICICI Bank Credit
Card is a single window for all your travel needs. Just use your ICICI Bank Credit
Card at any ITH counters listed below.

International Travel House Ltd. Numbers

Agra
Bangalore
Chennai
Gurgaon
Hyderabad
Jaipur
Kolkata
Mumbai
New Delhi
Pune
Vadodara

0562 330350, 331701, 3311289

080 2257181 / 7263 / 7287
044 28520003
0124 - 95 - 2359992 98
040 - 27814320, 27899301 / 02 / 03
0141 - 2361268, 2361451
033 - 22884910 / 6683 / 0230 / 8179 / 3395
022 - 22850159, 22830529, 28200862 / 64 / 65 / 68
011 2332401, 23322456
020 6126470, 6120552, 6126554
0265 - 2312706, 2330033 Extn: 1590-1

Teleoptima Global Calling Card

The next time you make an international call from overseas, you will not have to
use precious foreign exchange or hunt for loose change. The Teleoptima Global
Calling Card makes international calling absolutely easy and it does not levy and
surcharge on you. The Teleoptima Global Calling Card charges will be
conveniently billed later to your ICICI Bank Credit Card and itemised call details
will appear in your monthly statement. There is also a special global tariff plan,

Wide Acceptance
ICICI Bank Blue Cards are welcomed at all Merchant Establishments displaying
the VISA logo - over 1,10,000 and MasterCard logo - over 77,000 establishments
across India and Nepal and the Silver and Gold Cards are accepted globally by
over 22 million VISA Card and 22 million MasterCard accepting establishments.

Statement by e-mail and mobile alerts

Statement Online is a very simple, powerful and convenient way to view your
Credit Card statement details instantly without any postal delays. Just sign up for
Statement Online and get faster, reliable access to your Account Statement.

Mobile alerts from ICICI Bank provides you with information on your ICICI Bank
Credit Card even when you are on the move. You would now no longer miss a
payment or exhaust your credit limit without a warning. Currently customers
having Internet Banking user-ids can subscribe to the alerts.

Earn while you spend - ICICI Bank Xpress Rewards Programme

A special bonus plan that allows you to earn points every time you use your
Card, Every Rs. 100 that you spend earns you 1 point. The redemption of reward
points can be done against the products, services in the rewards catalogue or
against your renewal fees.

Photo-Card
You have the option of having your photograph and signature digitally imprinted
on the front of the Card. This provides you extra security at any of the merchant
establishments. In fact, it can be used as a proof of identification. In the interest
of your own security, we strongly recommend that you opt for a photo-Card. If
you had decided not to opt for a photo Card when applying, just call the ICICI
Bank 24-hour Customer Care Centre and place your request with the executive.
A form will be sent to you.

Self Set Limit

The only Card that allows you to pre-define your own credit limits. You can
request for a limit lower than what your are eligible for. You can even preset the
monthly spending limits on the "Bandhan" Card. Any transactions over the
specified

'Spend

Limit'

will

be

declined.

This monthly spending limit can be reset every billing cycle by just calling the

ICICI Bank 24-hour Customer Care Centre and place your request with the
executive. Your spend limit will be changed on-line and come in to force from the
next billing cycle.

Cash Advance Facility

With an ICICI Bank Credit Card in your wallet, you will not be strapped for cash
ever again. You can withdraw cash on your Card, 24-hours a day from any VISA
and MasterCard participating member bank ATM. During banking hours you can
also draw cash over-the-counter, from any ICICI Bank branch in cities where the
ICICI Bank Credit Card has been introduced.

Internet Banking
We understand the pressures on your time. To access information when you
need it, where you need it, we offer you access to ICICI Bank Credit Card related
information through the Internet on www.icicibank.com. You can do transactions
like accessing account information - current and last statement, getting your
payment status, viewing your monthly statement by email, request for a duplicate
PIN, record a change of address, order a draft, give auto debit instructions,
request for a replacement Card or an add-on Card, access and redeem online
from the Rewards catalogue, subscribe to statement by e-mail and mobile alerts.

Limited Lost Card Liability

In case the Card is lost or stolen, call the ICICI Bank 24-hour Customer Care
Centre and report the loss of your Card. A new Card will be sent to you within 72
hours of reporting this loss. You are protected from any financial liability arising
out of transactions done on your missing Card, from the time you report the loss
to us.

Dial-A-Draft

To order a draft from the convenience of your home, simply call the ICICI Bank
24-hour Customer Care Centre and ask for a draft, payable anywhere in India
and favouring any company or individual (you can order a draft up to the
available limit cash limit on your account). The draft will be delivered to your
mailing address. For each draft request, a transaction fee of 1.0% of the amount
withdrawn, subject to a minimum of Rs 50, will be levied. However, for the Gold
Cardholders, no transaction fee will be levied. In addition to the transaction fee,
an interest charge will also be levied from the date of transaction to the date of
repayment. The amount of the draft will be billed in your monthly Credit Card
statement.

Utility Payments
You now have the convenience of paying your utility bills - telephone and mobile
phone bills through your ICICI Bank Credit Card.

Purchase Protection
Anything you buy on your ICICI Bank Credit Card is insured against damage or
loss due to fire or theft. You can claim the value of the product damaged or lost
within 90 days of date of purchase. Purchase Protection for our True Blue
Cardholders is Rs 10,000, Rs 20,000 for our Silver Cardholders and Rs 40,000
for our Gold Cardholders.

ICICI Bank 24-hour Customer Care Centre

The ICICI Bank 24-hour Customer Care Centre is equipped with a state-of-theart system that ensures your queries being handled efficiently and promptly.

Revolving Credit Facility

When you receive your bill, you need not pay the entire bill amount. You have the
flexibility of selecting any of the following payment options:

Pay the total amount due.

Pay only the minimum amount due (5% of the bill amount subject to a
minimum of Rs 100) and the balance can be carried forward to subsequent
statements.

Pay any amount ranging from the minimum amount due to the total amount
due.

Auto Debit Facility

If you have an account with any ICICI Bank branch, you have the option of
making the payment of your monthly credit statement (either the minimum
amount due or the total amount due) directly through your bank account.

Temporary Credit Limit Enhancement

There will be times when you feel the need for an increase in your credit limit to
enable you to make increased purchases on your Card. To avail of the temporary
credit limit enhancement, all you need to do is to call our Customer Call Centre
and make your request. The executive will be able to increase the limit on-line.
Please note that this facility is available only after 9 months of membership and based on credit
history.

Insurance Benefits on an ICICI Bank Credit Card

Life is unpredictable and we at ICICI Bank understand your concern for your
family. Insurance is by far the best way to safeguard the interests of your family.
And therefore in addition to any insurance cover you already have, ICICI Bank
offers you the most comprehensive insurance - related benefits. Of course we

offer you accident insurance, but in addition we also offer you purchase
protection, baggage insurance, hospitalisation and household insurance.
Comprehensive Insurance# For International Travel only
(Primary & Supplementary ICICI Bank Credit Card Members)
Sterling Silver
Insurance Benefits

True Blue

/ VISA

Solid Gold

Information

Electron
Personal Accident
Insurance
Personal Accident

This cover is available for

Insurance

Cardmembers upto the age

Air Accident

Rs. 3 Lakh

Rs. 10 Lakh

Rs. 20 Lakh of 69 and is applicable both

Any Other Accident

Rs. 1 Lakh

Rs. 2 Lakh

Rs. 5 Lakh

in India and overseas. 100%

benefit available in case of
death or total & permanent
disablement (as decided by
Supplementary

Insurance company).
This cover is available for

Cardholder

Cardmembers upto the age

Air Accident

Nil

Rs. 3 Lakh

Rs. 6 Lakh

Any Other Accident

Nil

Rs. 1 Lakh

Rs. 2 Lakh

of 69 and is applicable both

in India and overseas. 100%
benefit available in case of
death or total & permanent
disablement (as decided by

Household Insurance

Nil

Rs. 20,000

Rs.

Insurance company).
Available on household

75,000 articles (except valuables like

money, jewellery, fur &
property otherwise insured)
against damage or loss due to
fire or burglary. Protection
* Baggage Insurance

Nil

Rs. 10,000

Rs.

available only in India.

Valid in India and Nepal

25,000 (against damage) excluding

cash and jewellery.
Applicable
only if claim exceeds Rs.
2,500.
Hospitalisation
Benefit Policy

Nil

Rs.

Rs.

Applicable in case of

25,000 50,000 Rail/Road Accident

(Primary
Purchase
Protection upto

Rs.

Rs.

Rs.

Cardholders only).
Available for a

10,000 20,000 40,000 period of 90 days on

90 days

purchase of tangible
goods on Card
against damage or
loss due to fire or
burglary. Protection
available only in
India.

Features

The ICICI Bank Ncash debit card is a debit-cum-ATM card providing you
with the convenience of acceptance at merchant establishments and cash
withdrawals at ATMs.

Auto Invest Account

Internet Banking is offered free of cost.

Anywhere Banking - This facility entitles the account holder to withdraw or

deposit cash upto a limit of Rs.50,000 across all ICICI Bank branches.

You can give us various types of standing instructions like transferring to

fixed deposit accounts at regular intervals.

An average quarterly balance of Rs 5,000 only.

Nomination facility is available.

Interest is payable half-yearly.

Minimum Balance
Type of Account

Balance

Savings Account

Rs 5,000

Non-maintenance of the minimum average quarterly balance attracts a fee

of Rs 750 per quarter.
Nomination

The facility of Nomination is available for relationships in the names of

individuals. Unless otherwise specifically, given in writing by depositors,
nomination in deposit accounts will be at Customer ID level

A depositor(s) however has / have the right to specify different

nominations at account level by completing the appropriate forms.

Further, the applicant(s) is / are at liberty to change the nominee during

the currency of the relationship accounts with the Bank through
declaration to that effect in the appropriate form

Eligibility

Resident Indian.
Documentation
Applicants must satisfy the following documentation requirements:

Identity proof

Proof of communication address

Self cheque (if the applicant is not visiting the branch for account opening)
Identity Proof
Verified true copy of valid passport
Or
Letter from existing bank
Or
Valid driving license
Or

Valid employee identity card

Or
Valid PAN card
Or
Valid photo credit card along with the current billing cycle (latest)
statement
Or
True copy of valid arms license issued by Govt of India/State
govts/Union territory with photograph
Or
Valid pension book
Or
Valid freedom fighter's pass issued Home Ministry of Government
of India

Proof of communication address

Latest electricity bill
Or
Latest telephone bill
Or
Latest statement of account from a credit card issuing company
Or
Letter from employer certifying the residential address of the
employee as recorded in their books
Or
Latest premium receipt from any life insurance company
Or
Current lease agreement
Or
Consumer gas connection card
Or

Certificate from ward officer, maintaining election roll, certifying

address of the applicant
Or
Latest certificate (not more than 3 months old) from the postal office
confirming address of the applicant
Or
Residential certificate mentioning name and address of the
applicant issued by municipal corporation/local body etc.

ICICI BANK
DEBIT

CARD

DEBIT CARD
Combining the acceptability of a credit card and the prudence of an ATM
card, the ICICI Bank Debit card is a most convenient accessory for you.
No more fear of overspending.
No more searching for the nearest ATM.
Only more comfort and convenience!
With the ICICI Bank Debit Card you can shop using VISA Electron's
on-line debit program, and debit your ICICI Bank account directly
when purchasing goods or services at any shop displaying the
ICICI Bank/VISA Electron logo. ICICI Bank offers you the powerful
options of

ICICI Bank HPCL Debit Card

ICICI Bank Ncash Debit Card

ICICI Bank HPCL Debit Card- The Sensible Choice
Basic Features
ICICI Bank and HPCL bring you the "Fuel" Debit Card. A debit card designed with
just your convenience in mind. Just hand it over at any HPCL pumps and SAVE
on your fuel purchases. In fact you can use the card for all your shopping, dining
and traveling needs, so you spend with total control.

Your ICICI Bank HPCL Debit Card comes packed with the following features:

Direct On-line debit to your ICICI Bank account.

Refund of surcharge* for fuel purchases at HPCL pumps.

Accepted at over 90,000 shops, more than 1,800 ICICI Bank ATM's and
more than 10,000 VISA ATMs all over India.

International card offering deposit access at over 13 million shops and &
VISA ATM's all over the world.

24 Hour Customer Care Centre

Speed-O-Miles Rewards Programme.

Itemized billing on your bank statement.

Lost card insurance.

Speed-O-Miles Rewards Programme:

ICICI Bank will reward your ability to spend wisely. Our special Speed-O-Miles
programme will credit 1 point for every Rs.100/-that you spend on your ICICI
Bank HPCL Debit card. You need to accumulate atleast 100 points before

redeeming them for exciting gifts from our specially designed gift catalogue.To
redeem your points just call our 24 hour customer care centre on 1901 333 444
Refund of surcharge for fuel transaction
As an ICICI Bank HPCL debit cardholder, you get a refund of 2.5% or Rs.10/surcharge for fuel transactions done at HPCL pumps. Thus, more savings and
more convenience.
(*For transaction below Rs.400/- there will be a minimal charge of Rs.2/-, which
will be debited to cardholders account)

Fee & Charges:

No transactions charges at ICICI Bank ATMs.

Transactions charges at Non ICICI Bank ATMs : Rs. 50/- for cash
withdrawal & Rs. 25/- for balance enquiry.

List of other service charges available in membership guide.

Lost Card Insurance:

In case your card is lost or stolen, you just need to call our 24 Hour Customer
Care Centre . A new card will be issued on request and sent to you within 1 week
of reporting this loss. You are protected from any financial liability arising from
any purchase transactions done on your card, from the time you report the loss
to us.
ICICI Bank Ncash Debit Card- Power Your Wallet
Basic Features

Combining the acceptability of a credit card and the prudence of an ATM Card,
the ICICI Bank Ncash Debit card is a most convenient accessory for you. No
more fear of overspending. No more searching for the nearest ATM. Only more
comfort and convenience! With the ICICI Bank Ncash Debit Card you can shop
using VISA Electron's on-line debit program, and debit your ICICI Bank account
directly when transacting at any VISA accredited member establishment or ATM
across the world!

The ICICI Bank Ncash Debit card comes packed with the following features:

Direct On-line debit to your savings account.

Accepted at over 90,000 merchant establishments, more than 1,800 ICICI

Bank ATM's and more than 10,000 VISA ATMs all over India.

International Card, offering deposit access at over 13 million merchant

establishments VISA
ATMs all over the world.

24 Hour Customer Care Centre.

Itemized billing on your bank statement.

Zero lost card liability.

Fee & Charges:

Low annual fee of Rs.99/- only.

No transactions charges at ICICI Bank ATMs.

Transactions charges at non ICICI Bank ATMs: Rs. 50/- for cash withdrawal
& Rs. 25/- for balance enquiry.

List of other service charges available in membership guide.

Lost Card Insurance:

In case your card is lost or stolen, you just need to call our 24 Hour Customer
Care Centre. A new card will be issued on request and sent to you within 1 week
of reporting this loss. You are protected from any financial liability arising from
any purchase transactions done on your card, from the time you report the loss
to us.

ICICI
BANKING

Banking Features
ICICI Bank.com offers variety of features to make a banking a pleasure.
Transfer funds online
Issue E-cheques to over 250 branches in 15 cities.
Balance Enquiry and Statement
Check out your last 10 transactions with a real time balance.
Transaction History
Check out past transactions from the date of opening your account.
Request for cheque book
Cheque book is delivered to your communication address on request.
Stop Payment Request
Issue instructions to stop payment of a particular cheque.
Open Fixed Deposit and Recurring Deposit account
Apply Online for Fixed Deposits and Recurring Deposits

Subscribe for Mobile alerts

Banking alerts for people on the move.
Request for Debit Card
Apply online for ATM/ Debit Card
Monthly Statement by email
Subscribe to free bank statements to be delivered to your email Id

Pay your Utility bills

Instantaneous bill payment facility to over 40 billers.
Secure Mailbox
Track your communication and resolve your queries with ICICI Bank.
Policy

Saving Account Rules

1.1 Natural guardian (father or widowed mother or Court appointed Guardian)
can open a Savings account on behalf of a minor with moneys belonging to the
natural guardian. In special cases the Bank reserves the right to open Savings
Bank account on behalf of a minor by the mother.
1.2 Savings account cannot be opened for business purposes.
1.3 Number of withdrawals in Savings account is restricted to 150 per annum.
2. Statement of Account

2.1 Depositors are advised to keep the cheque books / statement of accounts in
a place of safety to ensure against misuse, contributing to negligence.
2.2 Duplicate statements are issued at the request of the customer for a fee.
Ordinarily, duplicate statements are issued only for a period not exceeding
36 months prior to date of request.

3. Payment of Interest
3.1 Interest is paid on the minimum credit balance maintained between the 10th
day and last day of each calendar month in Savings accounts at the rate in force
in accordance with RBI directives. Interest so calculated is rounded off to the
nearest rupee, ignoring fractions of a rupee. Interest is paid every half year in
September and March.
3.2 No interest is currently payable on the balance maintained in a current
account in acceptance with RBI directives.
For Senior Citizens
Features

Higher Interest Rates.

Demand Loan / overdraft against deposits will be upto 90% of the deposit.

The upcountry cheque collection facility for locations with ICICI Bank
presence free of charge to the Senior Citizen customers.

The ICICI Bank Ncash debit card is a debit-cum-ATM card providing you
with the convenience of acceptance at merchant establishments and cash
withdrawals at ATMs.

Auto Invest Account

Internet Banking is offered free of cost.

Anywhere Banking - This facility entitles the account holder to withdraw or

deposit cash upto a limit of Rs.50,000 across all ICICI Bank branches.

You can give us various types of standing instructions like transferring to

fixed deposit accounts at regular intervals.

An average quarterly balance of Rs 5,000 only.

Nomination facility is available.

Interest is payable half-yearly.

Minimum Balance

Type of Account
Savings Account

Balance
Rs 5,000

A Fixed deposit with a minimum value of Rs.10,000 and avail zero balance
facility in the savings accounts
Non-maintenance of the minimum average quarterly balance attracts a fee
of Rs 750 per quarter.
Nomination

The facility of Nomination is available for relationships in the names of

individuals. Unless otherwise specifically, given in writing by depositors,
nomination in deposit accounts will be at Customer ID level

A depositor(s) however has / have the right to specify different

nominations at account level by completing the appropriate forms.

Further, the applicant(s) is / are at liberty to change the nominee during

the currency of the relationship accounts with the Bank through
declaration to that effect in the appropriate form
Eligibility Criteria

A person who has completed the age of 60 years may be treated as a

senior citizen for getting the benefit under the special deposit scheme for
senior citizens.

Documentation
Identity Proof
Verified true copy of valid passport
Or
Letter from existing bank
Or
Valid driving license
Or
Valid employee identity card
Or
Valid PAN card

Or
Valid photo credit card along with the current billing cycle (latest)
statement
Or
True copy of valid arms license issued by Govt of India/State
govts/Union territory with photograph
Or
Valid pension book
Or
Valid freedom fighter's pass issued Home Ministry of Government
of India

Proof of communication address

Latest electricity bill
Or
Latest telephone bill
Or
Latest statement of account from a credit card issuing company
Or
Letter from employer certifying the residential address of the
employee as recorded in their books
Or
Latest premium receipt from any life insurance company
Or
Current lease agreement

Or
Consumer gas connection card
Or
Certificate from ward officer, maintaining election roll, certifying
address of the applicant
Or
Latest certificate (not more than 3 months old) from the postal office
confirming address of the applicant
Or
Residential certificate mentioning name and address of the
applicant issued by municipal corporation/local body etc.

Age Verification Document

Secondary School Leaving Certificate Indicating date of birth
Or
LIC Policy
Or
Voters Identity Card
Or
Pension Payment Order
Or
Birth Certificate issued by the competent authority
Or
Passport

Revision in Interest rates on domestic term deposit

Resident Indians : Interest rates* for deposits less than Rs. 1 Crore
Savings Bank Account: 3.50%
Domestic / NRO retail term deposits (General Category) :
Interest rates* (per cent per annum) w.e.f. 17.11.04
Single Deposit of
Maturity Period

7-14 days

Annualized yield at Rs.1.5 mn& above Annualized yield at

Less than

the begining of the but less than Rs.10.0 the beginning of the

Rs.1.5 mn

slab

mn

slab

N.A.

N.A.

3.75%

3.75%

3.00

4.00%

4.00%

3.25%

3.25%

4.50%

4.50%

3.50%

3.50%

4.50%

4.50%

4.50%

4.75%

4.75%

5.00%

5.03%

5.00%

5.03%

5.50%

5.61%

5.50%

5.61%

6.23%

5.75%

6.23%

7.27%

6.25%

7.27%

15-45 days

3.00%

46 to 60 days
61 to 90 days
91 days & above
upto 180 days
181 days & above
upto 1 year
More than 1 year
upto 3 years

4.50%

More than 3
years upto 5

5.75%

years
More than 5 years
upto 10 years

6.25%

* Subject to revision without prior notice.

Note : Rates for Deposits for Rs.1 Crore and above will be advised by treasury from time to time.

Interest Rates for Senior Citizens :

Domestic term Deposits (Senior Citizen Category) :

Interest rates* (per cent per annum) w.e.f. 17.11.04
Single Deposit from Senior Citizens
Maturity Period

7-14 days

Annualized yield at Rs.1.5 mn& above Annualized yield at

Less than

the begining of the but less than Rs.10.0 the beginning of the

Rs.1.5 mn

slab

mn

slab

N.A.

N.A.

4.25%

4.25%

3.50%

4.50%

4.50%

15-45 days

3.50%

46 to 60 days

3.75%

3.75%

5.00%

5.00%

61 to 90 days

4.00%

4.00%

5.00%

5.00%

91 days & above

upto 180 days
181 days & above
upto 1 year
More than 1 year
upto 3 years

5.00%

5.25%

5.25%

5.50%

5.54%

5.50%

5.54%

6.00%

6.14%

6.00%

6.14%

6.82%

6.25%

6.82%

7.95%

6.75%

7.95%

5.00%

More than 3
years upto 5

6.25%

years
More than 5 years
upto 10 years

6.75%

FIXED
DEPOSIT

FIXED DEPOSIT
Fixed Deposit Features
Wouldn't you like a Fixed Deposit that allows you to deposit your money for just
as long as you wish? Our Fixed Deposit allows you just that - deposits can be
opened for periods ranging from 15 days to 10 years.
Other features include:
Choice of two investment plans:
Traditional

Interest payable monthly, quarterly or half-yearly as per your convenience

Maturity period ranges from 15 days to 10 years.

Reinvestment

Interest is compounded quarterly and reinvested with principal amount

Maturity period ranges from 6 months to 10 years

Minimum Balance

You can avail of ICICI Bank Fixed Deposits for a minimum deposit of Rs
10,000 and thereafter in multiples of just Rs 1,000.

Nomination

Nomination facility is available for relationships in the names of

individuals. Unless otherwise specifically, given in writing by depositors,
nomination in deposit accounts will be at Customer ID level.

Depositor(s) however has/have the right to specify different nominations at

account level by completing appropriate forms.

Further, the applicant(s) is/are at liberty to change the nominee, through

declaration in the appropriate form to revise the nomination during the
currency of the relationship accounts with the Bank.

Easy Fixed Deposit Features

Easy Fixed Deposit is an ICICI Bank fixed deposit scheme having benefits of
Debit -cum- ATM card (''the Card'')
The depositors shall be provided with a Debit Card for transacting in fixed
deposit. Transactions which are allowed are

Part withdrawal of fixed deposit

Full withdrawal of fixed deposit

Generation of mini statement

The Card will be issued in the name of primary depositor. No separate card will
be issued to joint applicant/s

Easy Fixed Deposit has two options namely

Easy Withdrawal
Easy Loan
A customer has to opt for one of these at the time of opening the account

Tenure of deposits varies between 1 year and 10 years

All deposits under this Deposit Scheme will be cumulative (reinvestment)

in nature

Minimum deposit amount under the Deposit Scheme is Rs.45,000 and

additionally deposits can be made in multiples of Rs.5,000

Nomination details are as in the case of normal Fixed Deposits

Easy withdrawal

Under this option fixed deposit shall be linked to the debit card directly

The debit card can be used to withdraw money from the ATM, by breaking
the FD, as and when required or depositor can use the debit card to shop.

If the deposits are prematurely withdrawn, the interest rate for the period
for which deposit was with the ICICI Bank prevailing on date of deposit
made, shall be payable

Easy Loan

The depositors shall be provided with an overdraft facility against the Easy
FD and can draw up to 75% of the Easy FD value

The interest rate on the overdraft will be 2% higher than the rate on the FD

The depositor shall be required to execute all loan facility documentation

as specified by ICICI Bank for these purposes

Chequebook will also be issued to deposit holder

Benefits

A wide range of tenures, ranging from 15 days to 10 years, to suit your

investment plan.

Partial withdrawal is permitted in units of Rs 1,000. The balance amount

earns the original rate of interest.

Safe custody of your fixed deposit receipts.

Auto renewal is provided.

Loan facility is available upto 90% of principal and accrued interest.

Choice of two investment plans: Traditional or Reinvestment.

Traditional

Interest payable monthly, quarterly or half-yearly as per your convenience.

Maturity period ranges from 15 days to 10 years.

Reinvestment

Interest is compounded quarterly and reinvested with principal amount.

Maturity period ranges from 6 months to 10 years.

Interest Rates
Resident Indians: Interest rates* for deposits less than Rs. 1 Crore

Domestic / NRO retail term deposits (General Category):

Interest rates* (per cent per annum) w.e.f. 17.11.04
Single Deposit of
Maturity Period

7-14 days

Annualized yield at Rs.1.5 mn& above Annualized yield at

Less than

the begining of the but less than Rs.10.0 the beginning of the

Rs.1.5 mn

slab

mn

slab

N.A.

N.A.

3.75%

3.75%

3.00%

4.00%

4.00%

15-45 days

3.00%

46 to 60 days

3.25%

3.25%

4.50%

4.50%

61 to 90 days

3.50%

3.50%

4.50%

4.50%

4.50%

4.75%

4.75%

5.00%

5.03%

5.00%

5.03%

5.50%

5.61%

5.50%

5.61%

6.23%

5.75%

6.23%

7.27%

6.25%

7.27%

91 days & above

upto 180 days
181 days & above
upto 1 year
More than 1 year
upto 3 years

4.50%

More than 3
years upto 5

5.75%

years
More than 5 years
upto 10 years

6.25%

* Subject to revision without prior notice.

Note: Rates for Deposits for Rs.1 Crore and above will be advised by treasury from time to time.

Interest Rates for Senior Citizens :

1. Eligibility Criteria
A person who has completed the age of 60 years may be treated as a senior
citizen for getting the benefit under the special deposit scheme for senior
citizens.
2. Verification of Age :
Opening of New Account
At the time of opening of a new deposit account of a senior citizen, the branch
should satisfy about the age through verification of any of the following
documents:Secondary School Leaving Certificate indicating date of Birth
LIC Policy
Voters Identity Card
Pension Payment Order
Birth Certificate issued by the competent authority
Passport
PAN Card

Domestic term Deposits (Senior Citizen Category) :

Interest rates* (per cent per annum) w.e.f. 17.11.04
Single Deposit from Senior Citizens
Maturity Period

7-14 days

Annualized yield at Rs.1.5 mn& above Annualized yield at

Less than

the begining of the but less than Rs.10.0 the beginning of the

Rs.1.5 mn

slab

mn

slab

N.A.

N.A.

4.25%

4.25%

3.50%

4.50%

4.50%

15-45 days

3.50%

46 to 60 days

3.75%

3.75%

5.00%

5.00%

61 to 90 days

4.00%

4.00%

5.00%

5.00%

5.00%

5.25%

5.25%

5.50%

5.54%

5.50%

5.54%

6.00%

6.14%

6.00%

6.14%

6.82%

6.25%

6.82%

7.95%

6.75%

7.95%

91 days & above

upto 180 days
181 days & above
upto 1 year
More than 1 year
upto 3 years

5.00%

More than 3
years upto 5

6.25%

years
More than 5 years
upto 10 years

6.75%

*Subject to revision without prior notice.

Note: Interest rates for remaining tenors and amounts will be the same as the domestic
term deposits (General Category).

Easy Fixed Deposit Features

Easy Fixed Deposit is an ICICI Bank fixed deposit scheme having benefits of
Debit -cum- ATM card (''the Card'')
The depositors shall be provided with a Debit Card for transacting in fixed
deposit.Transactions which are allowed are

Part withdrawal of fixed deposit

Full withdrawal of fixed deposit
Generation of mini statement

The Card will be issued in the name of primary depositor. No separate card will
be issued to joint applicant/s

Easy Fixed Deposit has two options namely

Easy Withdrawal
Easy Loan
A customer has to opt for one of these at the time of opening the account
Tenure of deposits varies between 1 year and 10 years
All deposits under this Deposit Scheme will be cumulative (reinvestment)
in nature
Minimum deposit amount under the Deposit Scheme is Rs.45,000 and
additionally deposits can be made in multiples of Rs.5,000
Nomination details are as in the case of normal Fixed Deposits

Easy withdrawal

Under this option fixed deposit shall be linked to the debit card directly
The debit card can be used to withdraw money from the ATM, by breaking
the FD, as and when required or depositor can use the debit card to shop.
If the deposits are prematurely withdrawn, the interest rate for the period
for which deposit was with the ICICI Bank prevailing on date of deposit
made, shall be payable

Easy Loan

The depositors shall be provided with an overdraft facility against the Easy
FD and can draw up to 75% of the Easy FD value
The interest rate on the overdraft will be 2% higher than the rate on the FD
The depositor shall be required to execute all loan facility documentation
as specified by ICICI Bank for these purposes
Chequebook will also be issued to deposit holder

Benefits

A wide range of tenures, ranging from 15 days to 10 years, to suit your

investment plan.
Partial withdrawal is permitted in units of Rs 1,000. The balance amount
earns the original rate of interest.
Safe custody of your fixed deposit receipts.
Auto renewal is provided.
Loan facility is available upto 90% of principal and accrued interest.
Choice of two investment plans: Traditional or Reinvestment.

Traditional

Interest payable monthly, quarterly or half-yearly as per your convenience.

Maturity period ranges from 15 days to 10 years.

Reinvestment

Interest is compounded quarterly and reinvested with principal amount.

Maturity period ranges from 6 months to 10 years.

Easy Fixed Deposit Eligibility

An resident Indian above 18 years of age can open easy Fixed Deposit a.
b.
c.
d.

In his or her individual capacity, or

In individual capacity on joint basis, or
In individual capacity on anyone or survivor basis, or
On behalf of a minor as father/mother/legal guardian

Identity Proof
Verified true copy of valid passport
Or
Letter from existing bank
Or
Valid driving license
Or
Valid employee identity card
Or
Valid PAN card
Or
Valid photo credit card along with the current billing cycle (latest) statement
Or
True copy of valid arms license issued by Govt of India/State govts/Union
territory with photograph
Or
Valid pension book
Or
Valid freedom fighter's pass issued Home Ministry of Government of India

Proof of communication address

Latest electricity bill
Or
Latest telephone bill
Or
Latest statement of account from a credit card issuing company
Or
Latest premium receipt from any life insurance company
Or
Current lease agreement
Or
Consumer gas connection card
Or
Certificate from ward officer, maintaining election roll, certifying address of the
applicant
Or
Latest certificate (not more than 3 months old) from the postal office confirming
address of the applicant
Or
Residential certificate mentioning name and address of the applicant issued by
municipal corporation/local body etc

Demat Features
E-instruction
Issue your transfer instructions online from your very own desktop.
Holding Statement
View your real time share holdings at any time.
Transaction Statement
View your share transactions history.
ISIN Look up
View 12 digit International Security Identification No. for any scrip available in
dematerialised form.
Settlement Calendar
View the pay in and pay out dates of all market types across exchanges.
Customer Ledger and bills
View bills paid and the charges debited within selected time period.

DEMAT SERVICES

ICICI Bank Demat Services boasts of an ever-growing customer base of over 7

lacs account holders. In our continuous endeavor to offer best of the class
services
to our customers we offer the following features:
Online access to your demat account. Check your holdings, transactions,
details of bills and status of requests and much more.
Digitally signed transaction statement by e-mail.
Corporate benefit tracking.
e-Instruction facility - facility to transfer securities 24 hours a day, 7 days a
week through Internet & Interactive Voice Response (IVR) at a lower cost.
Dedicated specially trained customer care executives at our call centre, to
handle all your queries.
Countrywide network of over 214 branches, you are never far from an ICICI
Bank Demat Services outlet.
You will find our service charges very competitive - offering the best value for your
money.

Digitally Signed Statement:

Now you can receive statement by e-mail. A monthly statement will be sent to the
e-mail id specified by you when there are transactions in your account.
Otherwise, a quarterly statement will be sent. This is as per current NSDL
guidelines. In addition, you will receive a physical copy of the annual statement to
assist you in filing income tax returns.
The e-mail statement will be authenticated by a digital signature obtained from a
Certifying Authority under the Information Technology Act, 2000. This will allow
you to verify that the statement is sent by ICICI Bank only and that the contents
of the same have not been altered during transmission. Please note that the
statements are sent via standard email and are therefore only as secure as
standard email transmission through the Internet. Since the email transmission is
not encrypted, it is not necessarily protected from unauthorized access.

LOANS

LOANS
Attractive interest rates

Door-step service from enquiry stage till final

disbursement
Can transfer your existing high-interest rate loan
Free personal accidental insurance
Special 100% funding for select properties
Home loan
Land loan
Office premise loan
Home Equity Loans - Loan Against Property
Eligibility
Home loan

You must be at least 21 years of age when the loan is sanctioned.

The loan must terminate before or when you turn 65 years of age or
before retirement, whichever is earlier.

You must be employed or self-employed with a regular source of income.

Land loan

You must be at least 21 years of age when the loan is sanctioned.

The loan must terminate before or when you turn 65 years of age or
before retirement, whichever is earlier.

You must be employed or self-employed with a regular source of income.

You must be purchasing a plot of land for residential use.

The purchase has to be from a development authority or from a registered

co-operative society.

The purchase of the land must be for the construction of a house.

The plot of land must be clearly demarcated with clear boundaries.

Office premise loan

You must be at least 21 years of age when the loan is sanctioned.

The loan must terminate before or when you turn 65 years of age.

You must be self-employed with a regular source of income.

The loan can be for the purchase / construction / extension of a nonresidential property.

A loan for renovation or improvement will be given only at the time of

acquisition of property.

Professionally qualified and self-employed individuals (doctors,

pathologists, chartered accountants, cost accountants, company
secretaries, architects, engineers, consultants, lawyers, chemists) can
apply.

A minimum of 3 years work experience is a must.

Home Equity Loans

You must be at least 21 years of age when the loan is sanctioned.

The loan must terminate before or when you turn 65 years of age or
before retirement, whichever is earlier.

Your must be employed or self-employed with a regular source of income.

You must be the owner of a self-occupied property.

Sanctioning
Documents
Passport size photograph.
Age verification: PAN card, Voters ID, Passport, License.

 Bank statement for the last six months.

Income Documents e.g. Latest Form 16, Certified IT returns for latest 3 years.
Admin Fee cheque.
Loan Enclosure letter.
These are the documents required for sanctioning a loan. You may be asked to
submit further legal documents if required by ICICI Bank or its approved lawyers
Home Loans / Land Loans:
Fixed rate
Applicable ROI
Tenure (yrs)

EMI per lac (Rs.)

5 years

8.5%

2052

10 years

8.5%

1240

15 years

8.5%

985

20 years

8.5%

868

0% Processing fee
Admin fee - 0.5% of loan amount (plus applicable service tax)

The interest rate is calculated on a monthly rest..

No fee on part prepayment. A Prepayment Documentation charge of Rs.

500 (plus applicable service tax) will be levied.

Office Premises Loans:

Fixed rate
Tenure (yrs)
5 years
10 years
15 years

Applicable ROI

10.50%

EMI per lac

(Rs.)
2150

10.50%

1350

10.50%

1106

Processing fee - 0.5% of loan amount (plus applicable service tax).

Admin fee - 0.5% of loan amount (plus applicable service tax).

The interest rate is calculated on monthly rest.

Maximum tenure of 15 years.

No fee on part prepayment. A Prepayment Documentation charge of Rs.

500 (plus applicable service tax) will be levied

Loan Against Property:

Residential Properties
Fixed rate
Tenure

Applicable ROI

EMI per lac (Rs.)

10.00%
5 years

2125
10.00%

1322

10.00%

1075

10 years
15 years

Commercial Properties
Fixed rate
Tenure

Applicable ROI

EMI per lac (Rs.)

10.50%
5 years

2150
10.50%

1350

10.50%

1106

10 years
15 years

Processing
fee - 0.5%

of loan amount (plus applicable service tax).

Admin fee - 0.5% of loan amount (plus applicable service tax).

The interest rate is calculated on a monthly rest.

Maximum tenure of 15 years..

No fee on part prepayment. A Prepayment Documentation charge of Rs.

500 (plus applicable service tax) will be levied.

Home Loans / Land Loans:

Adjustable rate
Rate of
Tenure

Applicable ROI

Interest
FRR -0.25%

(Rs.)
8%

5 years

2028
FRR -0.25%

8%

10 years

1214
FRR -0.25%

8%

15 years
20 years

EMI per lac

956
FRR -0.25%

8%

837

0% Processing fee
Admin fee - 0.5% of loan amount (plus applicable service tax)

Interest calculated on monthly rest.

Maximum tenure of 20 years.

No fee on part prepayment. A Prepayment Documentation charge of Rs. 500

(plus applicable service tax) will be levied.
Office Premises Loan:
Adjustable rate
Tenure (yrs)

Rate of

Applicable

Interest

ROI

FRR +1.5%

EMI per Lac

(Rs.)

9.75%

5 years

2113

10 years

FRR +1.5%

9.75%

1308

15 years

FRR +1.5%

9.75%

1060

Processing fee - 0.5% of loan amount (plus applicable service tax).

Admin fee - 0.5% of loan amount (plus applicable service tax).

Interest calculated on monthly rest.

Maximum tenure of 15 years.

No fee on part prepayment. A Prepayment Documentation charge of Rs. 500
(plus applicable service tax) will be levied.

Loan Against Property:

Residential Properties
Adjustable rate
Tenure

Rate of interest Applicable ROI

EMI per lac (Rs.)

9.25%
5 years

FRR +1.00%
FRR +1.00%

2088
9.25%

1281

FRR +1.00%
9.25%
Commercial Properties

1030

10 years
15 years

Adjustable rate
Tenure

Rate of interest Applicable ROI

EMI per lac (Rs.)

9.75%
5 years

FRR +1.50

2113

FRR +1.50

9.75%

1308

FRR +1.50

9.75%

1060

10 years
15 years
Processing fee - 0.5% of loan amount (plus applicable service tax).

Admin fee - 0.5% of loan amount (plus applicable service tax).

Interest calculated on the basis of monthly rest.

Maximum tenure of 15 years.

No fee on part prepayment. A Prepayment Documentation charge of Rs.

500 (plus applicable service tax) will be levied.

PERSONAL LOAN
Loans for salaried & self employed individuals.
Loans are available from Rs. 20,000 to Rs. 15 Lakhs.
Repayment tenures from 12 - 60 months.
No Security,Collateral or Guarantors required.
Loans can be used for any purpose with no questions asked regarding the end
use of the loan.

A balance transfer facility available for those who want to retire any higher debt.
All loan repayments are done via equated monthly instalments (EMI).
Eligibility
Criteria
Age
Net Salary

Salaried
25 yrs. - 58 yrs.
Net annual income - Rs.

Eligibilty

96,000 p.a
60,000 p.a
Employees of Public Ltd. Doctors, MBA's, Architects,

Years in current job /

profession
Years in current
residence

Self - Employed
25 yrs. - 65 yrs.
Net Profit after tax - Rs.

cos. , Private Ltd. cos.

CA's, Engineers, Traders &

MNCs Or Government.

Manufacturers

1 Year

3 Years

1 Year

1 Year

Documentation
Documents ( Pre Sanction)
Latest 3 months Bank Statement (where salary/income is
credited)
Latest 2 salary slips
Last 2 years ITR with computation of income / Certified
Financials
Proof of Turnover (Latest Sales / Service tax returns)
Proof of Continuity current job (Form 16 / Company
appointment letter )
Proof of Continuity current profession (IT Returns /

Salaried
Yes

card
Proof of Residence (any one) Ration Card / Utility bill /
LIC Policy Receipt
Proof of Office (any one) Lease deed / Utility bill /

Employed
Yes

Yes
Yes
Yes
Yes
Yes

Certificate of business continuity issued by the bank)

Proof of Identity (any one)Passport / Driving Licence /
Voters ID / PAN card / Photo Credit Card / Employee ID

Self

Yes

Yes

Yes

Yes

Municipal Tax receipt / title deed

Proof of Qualification Highest Degree (for Professionals / Yes

Yes
Yes

Govt employees

Rates & Fees

A processing fee of 2% of the loan amount is applicable. These fees are

deducted upfront from the disbursement amount.

Prepayment of the loan is possible after 180 days of availing the loan.

Foreclosure charges as applicable would be levied on the outstanding

loan.

Part pre-payment is not allowed.

No other fees or commitment charges are levied.

Application Process

You have the option of applying online for a personal loan.

An ICICI Bank Ltd. representative will contact you to service your loan
requirements.

On receiving the completed application form with the requisite documents,

we shall process your loan within 3 working days.

Please do not send any payment via cash/ cheque with your application.
Kindly ensure that all Post Dated Cheques are Drawn in favour of "ICICI
Bank Limited", duly filled in all respects and endorsed "Account Payee
only".

CAR LOAN
The # 1 financier for car loans in the country.
Largest network of more than 1100 Direct Sales Agencies in over 520 locations.
Tie-ups with all leading automobile manufacturers to ensure the best deals.
Flexible schemes & quick processing.
Hassle-free application process on the click of a mouse.
All loans at the sole discretion of ICICI Bank Ltd.
An Overdraft facility - An Overdraft limit / Cash upto 90% of the assessed
value of your vehicle.
Interest Charged only on utilization - Interest is charged only on the amount
utilized and the time period utilized for. In case of non- utilization of the funds
no interest will be charged.
Flexible Repayment - No fixed Equated Monthly Installments , every month
pay only minimum 5% of the total utilization of the overdraft facility.
An HPCL Debit Card : which allows you to transact at any VISA Merchant
outlets who have electronic swipe machines. You can also use this card to
withdraw cash from any ICICI Bank ATM.
A Roaming Current account - with the facilities of Any Where Banking & NIL
Minimum Balance requirement.
Multicity Cheque Book - We value your time and money. Your cheques will be
treated as local cheques at over 100 centres across India.
Internet Banking : effect fund transfers , accesses your statements , pay your
bills etc.from the place of your convenience.
Phone Banking : carry out basic banking operations over the telephone
National Accesses - access to 450 branches and 1750 ATMs.

Eligibility

Car Loans

Particulars

Salaried

Self-

Individual

Employed
Individual

Age Criteria

The applicant

Partnership
Firm

Any Proprietor,

companies

21 years old at professional or

should have

director above

application, and 21 years of age

Ltd Co
Limited

should be atleast partner,

time of

Private / Public

been in
-

below 58 years but below 65 at

existence for at
least 2 years

of age at time of the time of the

maturity of the loan's maturity
loan
Income Criteria Gross annual

Gross annual

Firm should

Minimum PAT

salary above Rs income above

have a minimum (profit after tax)

1 lakh p.a

PAT (profit after of Rs 60,000

Rs 60,000

tax) income of
Rs 60,000
Alternate Income proofs
Credit Card Scheme : Submit the last 4 billing statements of a premium credit
card that you hold and you can be free from any income documentation.
Repayment Scheme : If you have availed of a car loan/ home loan from a leading
financier, bank, or finance company, all you need to do is provide us the
repayment record. You need not provide your income proof under this scheme.
No Income Proof Scheme : If you are a self-employed individual who has been in
business for at least 3 years and own a house or office, this special scheme is
designed for you. No need to provide your income details under this scheme.

Car Overdraft

Salaried Individual
Above 21 years of

Self-Employed

Partnership

Individual

Firm

Any Proprietor,

Private / Public Ltd Co

Limited companies

age but below 58 at partner, professional

should have been in

the time of the

or director above 21

existence for at least 2

loan's maturity

years of age but

years

below 65 at the time

of the loan's
maturity
Gross annual salary Gross annual

Firm should have a Minimum PAT (profit

above Rs 1 lakh p.a income above Rs

minimum PAT

60,000 p.a.

after tax) of Rs 60,000

(profit after tax)

income of Rs
60,000

Alternate Income proofs

Credit Card Scheme : Submit the last 4 billing statements of a premium credit
card that you hold and you can be free from any income documentation.
Repayment Scheme : If you have availed of a car loan/ home loan from a leading
financier, bank, or finance company, all you need to do is provide us the
repayment record. You need not provide your income proof under this scheme.

Loan Amount
New car

We finance upto 90% of the ex-showroom cost of the car.

The Loan amount also depends on the car model. Higher loan amounts
are available under specific enhanced income eligibility criteria.

Minimum loan amount for new car Loan is Rs.1 lac.

Used car

For a used car, we finance up to a maximum of 85% of the valuation of the

car

Minimum loan amount for a used car loan is Rs. 75000/-

Loan Enhancement

To enhance your loan amount, the certified income of the co-applicant can
be considered, if requested by the applicant.

The co-applicant can be the spouse or son/daughter living in the same

city.

Similarly, in case of a partnership firm or a limited company one of the

partners or a director can be taken a co-applicant / guarantor for
increasing the loan amount

However, in both cases, the asset has to be registered in the name of a

single owner, not joint ownership.
Rates & Fees

Car Loans
We offer most competitive interest rates in the industry.

Interest rates depend on Car model, Loan Tenure, Customer & Location.

Interest is calculated on a monthly reducing balance

Processing Fee
o New Car Loans - NIL
o Used Car Loans - Rs.750/- on loans below Rs.1.01 lakhs

Documentation

Salaried
Individual

Self-Employed
Individual

Private / Public
Partnership Firm

Ltd Co

Application form

Application form

Application form

Application form

Photograph

Photograph

Photograph of

Guarantor's

signing partner

photograph (for
private limited
company only)

Proof of bank

One proof of

account continuity

income (ITR for the income proof

last two years )

Last two years'

Last two years

audited financials

(audited account or
ITRs + CA certified
financials)

One income proof

One proof of

for the last two

residence (driving

years (ITR, Form

license / voters'

16, salary slip)

identity card /

Partnership deed

Certified true copy

of the MOA & AOA

ration card /
passport / utility
bills for the last 3
months)
One proof of

One proof of

Partners authority

Board resolution

identity (driving

residence (driving

letter

(format available

license / voters'

license / voters'

identity card /

identity card /

passport / PAN

ration card /

card / photo credit

passport / utility

card / photo ration bills for the last 3

card)

months)

One proof of

One proof of office

residence

address (utility bill /

(laminated driving

lease deed / excise

license / voters'

or sales tax receipt

identity card /

/ Shops and

photo ration card / Establishment Act

passport /utility
bills for the last 3

Registration)

on request)

months / company
ID - limited
company or
government /
PAN

card)

Two Wheeler Loans

ICICI Bank offers the Best Deals on Two Wheeler Loans.
"Zoom" away in your favourite two wheeler. Avail our attractive schemes at
competitive interest rates.
Finance facility available for all two wheelers ranging from mopeds to motor
bikes.
Now avail Finance upto 90%* of the On Road Cost of the vehicle, repayable
in convenient tenure options ranging from 6 months to 36 months*.
Ride Easy Pay Easy with ICICI Bank Two Wheeler Loans.
In an unlikely case of your not meeting our norms NO PROBLEM - you can
still avail our loan, any blood relative can be your co-applicant.
SO WHAT ARE YOU WAITING FOR.Apply online, call or sms NOW!!

Finance Options available*

Normal
Simple, Friendly and Quick .
Drive away the two-wheeler of your choice with funding upto 85% of on-road
price repayable over a period of 36 months.
Documents required -> Identity Proof, Residence Proof & Income Proof..
Please refer Documentation Page for details.

No Dox
No Income Proofs required. All you need to provide is your residence proof and
proof of your Identity for a loan amount upto 70% of On Road Price.
Funding up to 70% of On Road Price repayable over a period up to 30 months.
Documents required -> Only Identity Proof & Residence Proof.
Instant 60 %
Looking for a Spot Loan?
Then Instant 60 % is the right choice for you.A highly flexible on the spot
approved loan scheme designed just for you.
A Loan amount up to 60% with Minimum Interest Rates and a repayment plan of
36 months.
Documents required -> Only Identity Proof & Residence Proof.

Passbook
A unique scheme through which you can use your Bank Account Continuity of
last 6 months along with other documents to speed up the processing of your
loan & drive home the two wheeler of your choice.
Funding up to 85% of On Road Price repayable over a period up to 36 months.
Documents required ->Identity Proof, Residence Proof & copy of Bank
Statement / Passbook.
Flash CC
No Income Proof required and Loan approval within 1 hour.

A unique channel for Credit Card holders. Use your Credit Card to make the
Down Payment for this pre approved loan scheme and drive off your two
wheeler.
Funding up to 90% of the On Road Price repayable over a period up to 36
months.
Documents required -> Identity Proof, Residence Proof & copy of Credit Card.
Flash BS
Instant Approval Scheme
Just bring the copy of your Credit Card, your Credit Card billing statement for
last 2 months and minimize documentations under this pre approved loan
scheme. You have the choice of making your down payment by cheque/cash.
Funding up to 85% of the On Road Price repayable over a period up to 36
months.
Documents required -> Identity Proof, Residence Proof & copy of Credit Card
statements.

Maxi Loan
Looking to make the minimum down payment? Maxi loans is the right choice for
you. Make minimum down payment and get maximum loan amount upto 95% on
the basis of stable income proofs.
Funding up to 95% of the On Road Price repayable over a period up to 36
months.
Documents required -> Identity Proof, Residence Proof & Income Proof.
Privilege
If you have an excellent repayment track record of any previous loan, use it for
fast and speedy processing of your loan through this scheme. Privileges just for
you.
Funding up to 85% of the On Road Price repayable over a period up to 36
months.

Documents required ->Identity Proof, Residence Proof & copy of Repayment

Track of previous loan.
*conditions apply.
Loan Amount
We fund motorbikes, mopeds, scooters and scooterettes.We are the preferred
financiers with Hero Honda, Bajaj, TVS, Honda Motors & Scooters, Yamaha,
Enfield, LML and Hero Motors.
Apply under any Loan Scheme from Rs.7500/- onwards and pay in easy
installments over a period of 6 to 36 months.
We are at your doorstep in more than 865 locations in India.Besides flexible &
attractive finance options, We offer you with very competitive interest rates, easy
documentation and speedy processing.
Repayment Facility of loan is available through Post Dated Cheques presented
on 7th of each month OR the Auto Debit Mandate (for ICICI bank account
holders) & ECS options.

Eligibility Criteria
ICICI Bank Two Wheeler Loans are available to : 1.
2.
3.
4.
5.
6.

Salaried Individuals
Self Employed Individuals
Pensioners, Housewives & Students
Partnership Entities
Private Limited Companies
Public Limited Companies
Eligibility

Salaried

Self Employed

Minimum Age

21 yr.

21 yr.

Maximum Age*

60 yr.

65 yr.

Gross Monthly Income** Rs. 3,500/

Rs. 3,500/-

Maximum age refers to age at loan maturity

** Rs.4500 in Mumbai, Delhi, Bangalore, Chennai, Hyderabad & Kolkata

Documentation
Documents

Normal

Maxi

No

Loan

Dox

Schemes
Instant Flash Flash
50 %

CC

BS

PrivilegePassbook

Identity Proofs
Residence Proof
Income roof
Post Dated Cheques
Copy of Credit Card
CC billing statement
Bank passbook
No objection
Certificate
Self Employed: Provide one from each of the following
Identity Proof
Residence Proof
Income Proof
Bank Statements
Latest Income
Last 3 months Bank
Voter's Identity card
Driving License
Tax Return
Statement
Driving License
Passport
Passport
Voter's Identity card
Employers Identity
Photo copy of Ration
Card
Photo copy of Ration
Card

Card
Telephone Bill

Photo copy of Credit

Card

Electricity Bill
Municipal Bill
Credit Card
Statement

Mutual
Funds
Investments

Mutual Funds Investments Through ICICI Bank

About Mutual Funds

Mutual Funds pool money of various investors to purchase a wide variety of
securities while pursuing a specific goal. Selection of Securities for the purpose is
done by specialists from the field. Returns generated are distributed to the
Investors.
Mutual Fund Companies offer various schemes. Investors can choose any
particular Fund/Scheme or mix of Funds/Schemes depending upon their
perception towards risk. Investment is done on the basis of prevailing Net Asset
Values of various schemes.
Mutual Funds Investments are subject to Market Risks.
Types of Funds Sold
We will help you determine which types of funds you need to meet your
investment goals. This may include the following types of funds:

Debt : Liquid schemes, Income schemes, G-sec schemes, Monthly

Income Schemes etc.

Equity : Diversified Equity Schemes, Sector Schemes, Index Schemes

etc.

Hybrid Funds : Balanced Schemes, Special Schemes - Pension Schemes, Child

education Schemes etc.

At ICICI Bank we will help you identify an appropriate mix of Mutual Fund
schemes for your portfolio using asset allocation strategies.
Through ICICI Bank you can invest in various schemes of multiple mutual funds
with decent performance record. You can take the aid of our various research
reports on mutual funds and their schemes before choosing a scheme for
investment.

Dedicated workforce to serve you

Before being deputed, our officers complete a comprehensive training

program and, once deputed, they receive thorough instructions in financial
planning skills and techniques. Throughout their careers officers also
attend programs to update their skills.

All officers in charge of Mutual Funds are certified professionals by AMFI

(Association of Mutual Funds in India)

Many of these officers also hold professional degrees like - MBA, CA, ICWA,
CFA etc.

We keep you updated

We keep our investors updated on the latest happenings in the Mutual Fund
industry and the various financial markets through regular electronic updates
(daily & weekly) through Emails. We also send out a monthly magazine on
investments to our customers.

Advantages of Investing in Mutual Funds

Professional Money Management & Research
Mutual funds are managed by professional fund managers who regularly monitor
market trends and economic trends for taking investment decisions. They also
have dedicated research professionals working with them who make an in depth
study of the investment option to take an informed decision.

Risk Diversification
Diversification reduces risk contained in a portfolio by spreading it. It is about not
putting all your eggs in one basket. As mutual funds have huge corpuses to invest
in, one can be part of a large and well-diversified portfolio with very little

investment.
Convenience
With features like dematerialized account statements, easy subscription and
redemption processes, availability of NAVs and performance details through
journals, newspapers and updates and lot more; Mutual Funds are sure a
convenient way of investing.
Liquidity
One of the greatest advantages of Mutual Fund investment is liquidity. Openended funds provide option to redeem on demand, which is extremely beneficial
especially during rising or falling Markets.
Reduction in Costs
Mutual funds have a pool of money that they have to invest. So they are often
involved in buying and selling of large amounts of securities that will cost much
lower than when you invest on your own
Tax Advantages
Investment in mutual funds also enjoys several tax advantages. Dividends from
Mutual Funds are tax-free in the hands of the investor (This however depends
upon changes in Finance Act). Also, capital gain accrued from mutual funds
investments for period of over one year is treated as long term capital
appreciation and is taxed at a lower rate of 10% without benefit of indexation or
20% with benefit of indexation.

Other Advantages
Indian Mutual fund industry also presents several other benefits to the investor
like: transparency - as funds have to make full disclosure of investments on a
periodic basis, flexibility in terms of needs based choices, very well regulated by
SEBI with very strict compliance requirements to investor friendly norms.
MOBILE BANKING

With ICICI Bank, Banking is no longer what it used to be. ICICI Bank offers
Mobile Banking facility to all its Bank and Credit Card customers. ICICI Bank
Mobile Banking enables you to bank while being on the move.
ICICI Bank Mobile Banking can be divided into two broad categories of facilities:

Alert facility : ICICI Bank Mobile Banking Alerts facility keeps you informed
about the significant transactions in your Accounts. It keeps you updated
wherever you go.

Request facility : ICICI Bank Mobile Banking Requests facility enables you
to query for your account balance.

Request Facility
ICICI Bank Mobile Banking Requests enable you to query for account information
or perform bank transactions. You can query for your account balance, request for
the last 3 transactions, order for new cheque book, inquire for a cheque status, issue
a stop cheque request, change of primary account and make payment for your bills
under this facility.

If you hold an ICICI Bank HPCL Debit Card, you can also query your Debit Card
Reward Points by just sending a SMS Request.

Alert Facility
Under ICICI Bank Mobile Banking Alerts, you get alerted when the events you
have subscribed for get triggered. You can subscribe for receiving SMS alerts
when your salary gets credited, an amount over a specified amount gets
debited / credited, your balance falls below / goes above a specified limit or when
a cheque bounces.
Under the Alert facility, you will get alerts only when the events you have
subscribed for gets triggered unlike the Request facility where you can request
for information as and when you desire.

Credit Cards Services

ICICI Bank Mobile Banking services for Credit Cards can be divided into two
broad categories:

Request Facility

Alert Facility

The Request facility enables you to check your Credit Card Balance, fetch
Reward Points for Redemption, view details of Last Payment, and get Payment
Due Date.
On subscription to Credit Card Alerts, you get alerted when the events you
have subscribed for get triggered. You can subscribe for receiving SMS alerts
for Due Date reminders, and when you are approaching your credit Limit.
Under the alert facility, you will get alerts only when the events you have
subscribed for gets triggered unlike the Request facility where you can
request for information as and when desired.

Demat Services
With Mobile Banking you have an option to remain updated while you are on the
move, without even having to make a phone call or a visit or logging on the
Internet.
ICICI Bank Mobile Banking for Demat Accounts can be divided into two broad
categories:

Request Facility

Alert Facility

The registration is common for both facilities. Call our ICICI Bank Phone Banking
numbers
and register your mobile number. The facility is completely FREE. You are not
charged a single rupee by ICICI Bank for alerts received by you.

Request Facility
Through this facility, you can query for demat account information in respect of
your demat account anytime at your convenience. You can do the following under
the facility.
Enquire for :
1.
2.
3.
4.

Holdings
Transactions Status
Bill Details
ISIN Search

Alert Facility
Through this facility, you will receive an SMS alert when shares have got debited
from or credited in your account or if there is an issue with your transfer/pledge
instruction or dematerialisation/rematerialiastion request.
Charges:
All ICICI Bank Mobile Banking services are currently FREE.
For charges on sending SMS Request to ICICI Bank, please check with your
mobile phone Service Provider.
All updates of the fees would be put up on this section for your reference. ICICI
Bank reserves the right to to change the charges for this facility.