Personal banking

Accounts & Deposits

ICICI Bank has designed a gamut of accounts and deposits to cater to your unique banking needs. Add this to our extensive branch & ATM network and facilities like mobile, phone, internet and doorstep banking, and experience banking at its best.
Dream Deposits

Dream Deposits Plan All of us have dreams. We dream for ourselves, for our families,, friends and relatives and for society at large too.

Some of our dreams are need based, while some aspirational. The dreams that are close to us; they mean everything.. We all want to nurture them and if possible secure them so that we can accomplish them under all odds.

So be it our childs education, daughters marriage, owning a home, driving our car or planning our retirement, it is imperative that we secure them at all costs.

To secure them, you need to plan your finances prudently, based on your needs and aspirations at different points in time. A plan that gives you the flexibility in terms of choices that suit your needs and an assurance of a return that is safe and secure.

ICICI Bank is proud to present Dream Deposits - A unique offering of four deposit plans that enable you realise your dreams at every stage of your life.

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Fixed Deposit
Fixed Deposit

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Flexibility of tenure - 7 days to 10 years Liquidity

Premature / Partial withdrawal permitted (subject to applicable charges) Loan / Overdraft upto 90% of FD amount Option of monthly / quarterly payout available

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Competitive interest rate - Know interest rates for various tenures Convenient ways to open a FD

Internet Banking Phone banking ICICI Bank Branch

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Recurring Deposit

Recurring Deposits ICICI Bank Recurring Deposits are an ideal way to invest small amounts of money every month and end up with a large kitty on maturity.

High recurring billing and recurring payments can be a drain on your finances and hence large investments may seem a plan away.

Let us help you in processing your recurring payment through our recurring billing software that keeps track of your investments with us. This can be easily availed of through a recurring account online that comes with letting us serve you through Internet banking. You may even transfer funds through Internet banking into your recurring account. A recurring account transfer gets done in seconds through Internet banking.

Features

With our recurring deposits you can avail a host of facilities with ICICI Bank. You may check on recurring account receivable, recurring account payable, recurring account fees and

all recurring debit account transactions.

A recurring deposit account with ICICI Bank allows you a loan against the deposit. Our new recurring deposit account also has a special feature - Non-applicability of Tax Deduction at Source (TDS).

The minimum balance of deposit is Rs.500 per month and thereafter in multiples of Rs.100. The tenure ranges from 6 months to a maximum period of 10 years, recurring deposit of 3 months thereafter.

The recurring deposit also comes with a nomination facility.

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Savings Account

Savings Account An ICICI Bank Savings Account offers you a valuable banking experience.

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Debit-cum-ATM Card Money Multiplier Facility Internet Banking Customer Care Mobile Banking Standing Instructions Nomination facility DD Call and Collect Savings Account Portability

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Debit-cum-ATM Card - With ICICI Bank Savings Account you will get a debit card that you can use to withdraw cash from any ATM. You may also use your debit card to directly make purchases through a Visa/Mastercard POS (Point of Sale) machine available at most stores! This will help you access your money from anywhere. y Money Multiplier Facility - Allow us to take care of your idle money by moving it into high interest savings account earning. For details,click here. y Internet Banking - Banking could not have been more convenient. Just log in with your user ID and password and make banking a hassle-free routine. For details, or for the list of transactions that you can do online, please click here. If you have forgotten your Internet Banking password or user ID and wish to access your savings account, please click here. y Customer Care - Our 24-hour Customer Care is always available to answer any query or take your instructions. For Customer Care numbers, please click here. y Mobile Banking - Transferring funds or getting to know your balance is as easy as sending an SMS. For details on Mobile Banking, please click here. y Standing Instructions - ICICI Bank accepts and supports Standing Instructions. You don't have to worry about the chore of carrying out a routine transaction. Just set up a Standing Instruction and leave it to us to manage. y Nomination Facility - You may nominate a person as beneficiary to your account proceeds. Click here. y DD Call and Collect - Don't waste even a minute in a queue to collect a Demand Draft or Pay Order. On the way to the branch, just call Customer Care, provide details of the DD to be prepared and collect it ready and signed at the branch. y Savings Account Portability - You may request for transfer of your Savings Account from one branch to another branch of ICICI Bank by giving a written request in the branch or by calling the 24 X 7 Customer Care OR placing a request through internet banking. The account will be transferred within 2 working days without : suspending the account operations change in account number surrender of debit card, cheque book y
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Privilege Banking

Privilege Banking Choose the ICICI Bank Privilege Banking account to enjoy exclusive benefits across wide range of product and services. The Privilege banking account variants we offer are - gold and titanium; each designed to suit your specific needs. In addition to benefits likemoney multiplier, nomination facility, internet

banking and mobile banking, you can avail other special privileges like: y y y y y y Priority service at all ICICI bank branches and through Customer Care. Preferential rate on purchase of ICICI Bank pure gold and foreign exchange. Discount on annual fee for safe deposit locker. Special rates on ICICI Bank loans. Preferential rate on DD/ PO charges. Multi-city cheque book.

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Salary Account

Salary Account Where money works. For you and your employees What's so special about ICICI Bank Salary Account?

ICICI Bank Salary Account is a benefit-rich payroll account for Employers and Employees.

As an organization, you can opt for our Salary Accounts to enable easy disbursements of salaries and enjoy numerous other benefits too.

With ICICI Bank Salary Accounts your employees will enjoy the convenience of : y y y Having the largest network of ATMs at their command. Free 24 hour Phone Banking. Free Internet Banking.

All you would require to do is to send ICICI Bank an advice (in form of a cheque/debit instruction, ecs, etc) for the total salary amount along with the salary details of the designated employees in a soft and hard copy format and we will credit the respective employees' accounts as per your statement of advice.

ICICI Bank Salary Accounts benefits you in more than one ways:-

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Reduces your paperwork. Saves remittance costs. Employees receive instant credit of salaries. More convenient than ECS.

Besides all of the above, employees will automatically become ICICI Bank account holders with special benefits and privileges of 8-8 banking, Investment advisory and much more.

ICICI Bank also has a special offering: Defense Banking Services designed exclusively for the armed forces.

For more information, please Contact Us and we will come down for a detailed presentation.
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Silver Savings Account

Silver Savings Account Features ICICI Banks Silver Savings Account entitles you to select privileges and offers. y The ICICI Bank International VISA debit card is a debit-cum-ATM card providing you with the convenience of acceptance at merchant establishments and cash withdrawals at ATMs. Click here for details. Money Multiplier Facility. Internet Banking is offered free of cost. You can give us various types of standing instructions like transferring to fixed deposit accounts at regular intervals. Nomination facility is available. Interest is payable half-yearly. Click here to open an account online.

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Nomination y y y Nomination facility available for bank deposits. There can be only one Nominee for a deposit account whether held singly or jointly. A person legally empowered to operate a minor's account can file a nomination on behalf of the minor.

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Applicants can make nomination by filling up the Form prescribed under the Banking Companies (Nomination) Rules 1985. The nomination details can be changed during the subsistence of the account relationship by filling up the Form prescribed under the Banking Companies (Nomination) Rules 1985. For more details approach your bank.
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Loans
ICICI Bank offers wide variety of Loans Products in India to suit your requirements. Coupled with convenience of networked branches/ ATMs and facility of E-channels like Internet and Mobile Banking, ICICI Bank brings banking at your doorstep. Select any of our loan product and provide your details online and our representative will contact you for getting loans.
Home Loans

The No. 1 Home Loans Provider in the country, ICICI Bank Home Loans offers some unbeatable benefits to its customers - Doorstep Service, Simplified Documentation and Guidance throughout the Process. It's really easy!
About Home Loans .........................................................

Personal Loans

If you're looking for a personal loan that's easy to get, your search ends here. ICICI Bank Personal Loans are easy to get and absolutely hassle free. With minimum documentation you can now secure a loan for an amount upto Rs. 10 lakhs.
About Personal Loans .........................................................

Commercial Vehicle Loans

We have extended products like funding of new vehicles, finance on used vehicles, top up on existing loans, working capital loans & other banking products.
About Commercial Vehicle Loans .........................................................

Car Loans

The most preferred financier for car loans in the country. Network of more than 604 channel partners in over 1000 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.
About Car Loans

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Loans against Securities

You dont have to sell your securities. All you have to do is pledge your securities in favour of ICICI Bank. We will then grant you an overdraft facility up to a value determined on the basis of the securities pledged by you.

Investments
At ICICI Bank, we care about all your needs. Along with Deposit products and Loan offerings, ICICI Bank assists you to manage your finances by providing various investment options ranging from ICICI Bank Tax Saving Bonds to Equity Investments through Initial Public Offers and Investment in Pure Gold. ICICI Bank facilitates following investment products:
ICICI Bank Bonds Invest safe with ICICI Bank Bonds.
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GOI Bonds Enjoy the security of a low risk investment.

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Mutual Funds Design a portfolio that meets your investment goals.

Learn more Invest Online .........................................................

IPO Minimise paperwork and invest online.

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ASBA Application Supported by Blocked Amount

Learn more

ICICI Bank Pure Gold Buy gold of assured purity and international standards.
Learn more Invest Online

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Forex Services Get the best rates and unmatched service.

Learn more Buy Online .........................................................

Senior Citizens Savings Scheme, 2004 Earn high interest for your life savings.
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ICICI Home Finance Fixed Deposits If you are looking for a safe investment option with attractive returns, then ICICI Home Finance Fixed Deposit is the best for you.

Business banking
Current Accounts & Services Your business has unique requirements. At ICICI Bank, you will find the ideal bank account that takes care of all your cashflow and banking needs. Whether your business is local or national, starting up or scaling up, ICICI Bank's business services and banking facilities keep you on top of your business, round the clock, all the time.
Roaming Current Account ICICI's Roaming Current Account (RCA) simplifies banking by offering smooth and seamless transactions. RCA travels the distance with your business and helps effect lucrative business relationships. RCA brings with it the concept of 'Anytime Anywhere' banking enabling you to operate your RCA from any of our 2000 + branches in more than 500 cities across India.

Recognising the fact that every business has particular requirements, a range of variants are available under the branch of RCA to suit varying needs. The choice of variants is based on committed Monthly Average Balance; different charges are applied to each variant. It is also possible to change your current variant every month in response to changing needs. Facilities like Doorstep Banking, International Business Banking Debit Card, Corporate Internet Banking, Phone Banking, E-mail Banking and Mobile Banking are available to RCA holders. The following features are also available with all variants: - Multi

City Cheques/Local City Cheques - Unlimited Withdrawal and Deposit - Unlimited Cheque book - Demand Drafts and Pay-orders - Funds Transfers - Collection of Cheques/Drafts Benefits Chose an account type that suits your business from the variants available. - Cheque issued from your RCA may be encashed at over 500 centres across India. - Operate your RCA at any of ICICI Bank's 1500 branches. - Allows your customer to deposit cheques into your account from the ICICI bank branch close to him; speedy reflection of deposited cheque in your account. - Call Corporate Care (number) for any queries or requests on your account. - Click on 'Corporate Login' atwww.icicibank.com and carry out all your banking transactions from your desk. Choose the account that's right for you. PCA (Prepaid Current Account) ICICI Bank presents a special current account for those who prefer to pay a fixed prepaid charge on an annual basis and who do not want to commit any balance at any point of time. In Prepaid Current Account, the customer does not have to maintain any minimum or average balance but just has to charge his account with Rs. 2999 every year. Charge once and enjoy free* banking for the whole year. It is simple and transparent and the advantages include: The ICICI Bank Edge y y y y y Free personalized cheque book Free business banking debit card Free unlimited fund transfers Free Internet/ Phone/ Mobile Banking *50 free transactions every month and charges thereafter Made2Order Account ICICI's Made to Order Account (M2O) is an account tailor-made keeping in mind transactions unique to your business. The M2O Account gives you the flexibility to choose the services relevant to your specific business needs. Special features of the M2O account include: y y y y y Flexibility in deciding the MAB Flexibility in deciding the higher free Limits in services which are required frequently Customized DD/Pay Order limits Flexible cash deposit limits at both base and non-base branches Customized charges and free limits for services which are required frequently

Flexibility in choosing free cheque leaves Below are the features of Roaming Current Account which also applies to Made 2 Order:

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Multi-location Fund Transfer Anywhere deposit & withdrawal Mobile Banking Internet Banking Phone Banking Daily e-mail Statement

Trade Current Account

Trade RCA TRCA is the perfect solution to cater to both your international and domestic banking needs. ICICI Bank's Trade Roaming Current Account is a unique amalgamation of domestic banking features of the Roaming Current Account and Global Trade Services. It offers a composite banking solution to exporters and importers. An important part of this is the "zero balance" account that enables you to utilize your financial resources more effectively.

Some of the special features of TRCA include no commitment of quarterly average balance, Free Inward Remittance, no charges on FIRC or BRC issuance. You can also avail of preferred rates on select trade services depending on trade volume commitment. It offers all the facilities of domestic banking requirements such as anywhere banking, international business banking debit card, Internet banking, phone banking and mobile banking.

Achieve better control over your finances and conduct your business with ease. Take your business to a whole new level.

Choose the account that's right for you. Or click on the links to view features

Trade Services
ICICI Bank provides you vital services to help you focus on your business and compete in global markets. Our trade services strengthen your business relationships by ensuring reliability and speed in your business documentation and payments. Our credit facilities smoothen your cash flows.

Letter of Credit With ICICI Banks Letter of Credit, you can be assured of timely and correct payments from your buyers. Now, interact with ease even with companies with whom you have had limited experience or are unsure of their credit history. ICICI Bank offers inland and foreign LCs of two types Sight LC and Usance LC. Sight LC commands immediate payment on presentation of the necessary documents.

In case of a Usance LC, payment is set for a specified future date only after acceptance of presented documents.

The ICICI Bank Edge y y y y y y

Sanctioned and issued quickly Competitively priced Usance period of up to 180 days Assessment based on a parameterised model. ICICI Bank LCs can also be availed against 100% cash margin in the form of Fixed Deposits

ICICI Bank LCs are available against 25%-35% cash margin and 100% collateral security in the form of residential property or liquid securities. ICICI Bank holds first charge on current assets. Bank Guarantee ICICI Banks Bank Guarantees are available to you against minimal requirements and in the shortest possible time. ICICI Banks Bank Guarantees are also available in foreign currency for approved purposes as defined under FEMA. The ICICI Bank Edge y y y Maximum tenor of guarantee 18 months Valid for a maximum of 10 years Competitively priced

ICICI Bank also issues Bank Guarantees against 25% cash margin and 100% collateral security in the form of residential property or liquid securities. Bank guarantees in foreign currency are available against credit limits or 100% cash margin. Escrow Account Appoint ICICI Bank as the custodian of your assets and revenue streams through our Escrow Account. Safe and hassle-free, ICICI Banks Escrow Account is customised as per your specific needs. ICICI Banks Escrow Account can be availed as a current account or a fixed deposit account.

The ICICI Bank Edge y y y y Simplified documentation Customised transaction structure Flexibility to invest surplus funds in fixed deposits Online tracking of your escrow account Key Services y y y y y y Project Financing Debt Repayments Liquidations Mergers and Acquisitions Intellectual Property BPO Transactions Export Bill Negotiation With ICICI Banks Export Bill Negotiation facility, you can obtain short-term finance for your business, easily and in a hassle-free manner. Receive payment as soon as your goods have been shipped simply on the basis of your trade transaction documents. ICICI Banks Export Bill Negotiation is ideal for your business if you do not have regular capital limits with the bank.

The ICICI Bank Edge

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Competitively priced Quick turnaround time Negotiation under LC, much simpler than availing regular working capital limits from a bank Maximum tenor of 180 days

Key Facilities y y y y Purchase of your Sight Bill of Exchange and discounting of your Usance Bill of Exchange Negotiation of your export bills drawn under Letter of Credit, subject to the documents being strictly in accordance with LC conditions In case of discrepancies in documents, we can negotiate under reserve by sending the documents to the LC issuing bank for approval and payment Arranging forfaiting of your export bills drawn under LC at very competitive rates, without recourse to you.