3.1 ICICI Bank

An expansive ATM network; mobile, phone, internet, doorstep banking; customized loan products and a wide range of accounts and deposits — personalized banking climbs a notch higher with ICICI Bank.

1) Savings AccountWith Regular savings account customer can enjoy a large number of value-added benefits. Get delighted with rewards, security and ease of banking.

Savings Account - A Rewarding Experience

Every step customer take with an ICICI Bank Savings Account is rewarding. Add this to bank’s extensive Branch & ATM network along with 24X7 Phone banking, and experience banking at its best. To experience convenient banking along with unique benefits, choose from bank’s bouquet of savings accounts which suits the requirement best. 

MySavings Rewards

With ICICI Bank 'MySavings Rewards' program, customer can earn points for a host of transactions that customer do with their ICICI Bank Savings Account. From Bill Pay to Online Shopping to Investments, every step taken with bank is rewarding. What's more, an exclusive tie-up with PAYBACK, India's largest multi-brand loyalty program, gives access to a wide range of rewards that people can redeem.

ICICI Bank has designed a gamut of Savings accounts to cater to the unique banking needs.

Regular Savings Account

With Regular savings account customer can enjoy a large number of value-added benefits. Routine transactions like utility bill payment, FD creation request, Cheque book request or balance enquiry etc. can be done through multiple channels such as Internet banking, Mobile banking or Customer care.

Smart Shopper Silver Debit Card with exciting offers & Visa Privileges With Regular Savings Account customer will get a debit card that can be used to withdraw cash from any ATM. Also debit card can be used to directly make purchases through a Visa/Mastercard POS (Point of Sale) machine available at most stores.

Allows the bank to take care of customer’s idle money by moving it into high interest savings account earning.

With ICICI Bank's Internet Banking and Mobile Banking customer can conveniently and securely manage his finances from anywhere, anytime.

Silver Savings AccountAn account designed to fulfill unique banking needs with an assurance to take the banking experience to a next level. Experience effortless banking with a large number of value - added benefits coupled with higher transaction benefits such as discount on locker rental, waiver on DD/ PO charges, free SMS alert facility.

Smart Shopper Silver Debit Card with exciting offers & Visa Privileges With Silver Savings Account customer will get a debit card that can be used 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.

Unlimited cash withdrawal transactions at any bank's ATM, free of charge Free Anywhere banking Avail 15% discount on annual locker rentals Allows the bank to take care of customer’s idle money by moving it into high interest

savings account earning.

Privilege Banking Account

Experience faster and differentiated banking services and get all banking and investment needs fulfilled. Privilege Banking services are designed for customers like to meet all the banking and investment needs. As a valued Privilege Banking customer can enjoy more convenient banking experience and a comprehensive suite of products and services.

Dedicated Service Area

To make banking hassle-free and comfortable, ICICI have exclusive Privilege Banking Dedicated Service Area at their branches. Be it for Deposits, Loans, Credit Cards, Investments or regular banking transactions, our privilege bankers are equipped to offer you variety of services.

Priority Service

Enjoy priority access at branches and our 24-hour Customer Care Over the Counter servicing (OTC) for instant solutions, while processing your requests

Special Privileges

As a Privilege Banking customer you enjoy relationship privileges across various products from

ICICI Bank.

Relationship privileges for select Loan products and Credit cards

Privilege banking Debit card with higher daily cash withdrawal and spend limit Discount on locker rental Waiver on Trade account opening charges and Demat account maintenance charges

A) Gold Privilege Savings Account

Free Gold Privilege Debit Card comes with exciting offers & Visa PrivilegesWith Gold Privilege Debit Card customer can enjoy higher daily cash withdrawal and spend limit. Also debit card can be used to directly make purchases through a Visa/Mastercard POS (Point of Sale) machine available at most stores and earn reward points.

Unlimited cash withdrawal transactions at any bank’s ATM, free of charge Avail 20% discount on annual locker rentals Waiver on Trading account opening fee of Rs. 975 and first year Demat Annual

Maintenance Charges (AMC) of Rs. 500 Free Anywhere banking Money Multiplier facility

Titanium Privilege Savings AccountTitanium Privilege Savings Account is designed to offer range of products and services that will make banking convenient and simple. Experience effortless banking for whole family.

Privilege banking benefits for customer and customer’s family members. Free Titanium Privilege Debit Card with exciting offers & Visa Privileges 

With Titanium Privilege Debit Card customer can enjoy higher daily cash withdrawal and spend limit. Also debit card can be used to directly make purchases through a Visa/Mastercard POS (Point of Sale) machine available at most stores and earn reward points.

Unlimited cash withdrawal transactions at any bank's ATM, free of charge Avail 40% discount on annual locker rentals Waiver on Trading account opening fee of Rs. 975 and first year Demat Annual

maintenance Charges (AMC) of Rs. 500 Allows the bank to take care of customer’s idle money by moving it into high interest

savings account earning.

Advantage Woman Savings Account

Advantage Woman Savings Account enables today’s independent women to enjoy present and plan for future. Besides the core ICICI Bank advantage, the Advantage Woman Savings Account is packed with special benefits for our women customers. Experience effortless banking with a large number of value - added benefits coupled with unique benefits of ICICI Bank’s Advantage Woman Savings Account.

A specially designed woman's debit card which helps her shop and save simultaneously, managing household expenditures and comes with a bag full of offers attached to it.

Unlimited cash withdrawal transactions at any bank's ATM, free of charge.

Life Plus Senior Citizen Services

ICICI Bank’s ‘Life Plus’ Senior Citizen Savings Account has been designed to empower senior citizens to independently carry out the day-to-day banking transactions with utmost convenience. ICICI have Special Senior Citizens Desk to cater to all the banking transactions, so that senior’s don’t wait in queues. These senior citizen benefits are exclusively for customers above 60 years of age.

Special Senior Citizens Desk to cater to all banking transactions Special Senior 'Life Plus' Debit card free of charge

With Senior Citizen Savings Account customer(senior citizen) will get a debit card free of charge. He can use this debit card to withdraw cash from any ATM. He may also use his debit card to directly make purchases through a Visa/Mastercard POS (Point of Sale) machine available at most stores.

Unlimited cash transactions at branch, free of cost Free SMS alert facility

Young Stars Account

With Young Stars Savings Account, bank will guide the child through the world of banking - from checking the child’s savings account balance to guiding through fun zones and special pages on the Internet Banking channel. It makes banking a pleasure and teaches the child to manage his or her personal finances through a savings account.

Use of debit card to withdraw cash from any ATM. Customer may also use your debit card to directly make purchases through a Visa/Mastercard POS (Point of Sale) machine available at most stores.

Choose debit card with limits of Rs. 1,000 / Rs. 2,500 / Rs. 5,000 for shopping and cash withdrawal each day

Special Internet Banking Standing Instructions Facility for automatic transfer money from parent's account to

child's account Money Multiplier facility 

Dream Education Plan

ICICI Bank Dream Education Plan helps customer secure their dream of offering the child the best education money can buy.

o Easy corpus building through monthly small savingso Regular payout for funding your child's requirements as per educational milestoneso Earn FD interest rate for the entire period of the plan ( Investment + Benefit phase)o Flexibility :Loan available on deposit

o Premature closure allowedo Option of choosing quarterly / annual payout in benefit phase

o No additional allocation or handling charges for the investmento No TDS on interest earned on RD in investment phase.

Family Banking

Bank together and benefit together. Earn 400 reward points under MySavings Rewards on linking an existing / new account under Family Banking.Customers choose from one of the following as your Family Banking relationship with ICICI Bank:

1) Savings Family 2) Silver Family 3) Gold Privilege Family 4)Titanium Privilege Family

With respect to taxation, there are no implications of starting a Family Banking relationship. Starting a Family Banking relationship will not have any bearing on individual operation of the accounts. Customer will continue to operate your respective banking accounts independently. He is just required to select the Head of the Family who will be designated as the 'Primary CUST ID'. Charges levied for non-maintenance of the required minimum balance will be recovered from the Primary CUST ID's account. In the event of insufficient balances, the amount due will be recovered from any other account under the Family Banking relationship. All Savings Account holders (except Young Stars and Bank@Campus account holders) who are part of the Family Banking relationship are eligible to become the Primary CUST ID.

Savings FamilyLets the family avail of benefits like free MuliticityCheques, waiver on DD/ PO amounting to Rs. 50, 000/ day and discounts on the annual fee for deposit lockers. Individual customers under Family Banking can avail of all the benefits accrued to their respective ICICI Bank accounts like: 

1) Regular Savings 2) Life Plus Senior Citizen Services 3) Young Stars 4)Advantage Woman Savings

Silver Family Silver Family Banking relationship entitles all the members under the Family ID to select privileges and offers:

Waiver of multi-city cheque payment for up to Rs.1,00,000 per month. International Silver ATM-cum-Debit card Waiver of Demand Draft / Pay Order charges for up to Rs.50,000 per day. Discount on annual fee for Safe Deposit lockers. Preferential rates for Gold Coins. Waiver of multi-city cheque payment for up to Rs.1,00,000 per month. Better rates for Foreign Exchange Services. Special asset deals from time to time.

Gold Privilege Family

Gold Privilege Family Banking relationship entitles all the members under the Family ID to select privileges and offers:

Free payable-at-par cheque book. Jump Queue in ICICI Bank branches. International VISA Gold debit card with higher daily withdrawal and spend limit. Waiver of annual fee for debit card. Waiver of Demand Draft / Pay Order charges for up to Rs.1,00,000 per day. Waiver of Anywhere Banking charges across all ICICI Bank branches. Priority processing through ICICI Bank Customer Care. Discount on annual fee for Safe Deposit lockers. Preferential rates for Gold Coins. Better rates for Foreign Exchange Services. Special asset deals from time to time.

Titanium Privilege FamilyTitanium Privilege Family Banking relationship entitles all the members under the Family ID to select privileges and offers:

Dedicated Branch Relationship Manager. Priority Services at all ICICI bank branches and through customer care. International VISA Titanium Debit Card with higher daily withdrawal limit of

Rs.1,00,000 and spend limit of Rs.1,50,000. Waiver of annual fee for debit card. Free usage of multi-city cheque book. Free physical monthly account statement. Complete waiver of Demand Drafts / Pay Orders charges. Waiver of Anywhere Banking charges across all ICICI Bank branches. Discount on annual fee for Safe Deposit lockers. Preferential rate on purchase of ICICI Bank Pure Gold. Preferential rates on purchase of foreign exchange with a complete waiver on

commission charges. Special asset deals from time to time. Nomination facility is available.

3-in-1 Account

Get a wide range of options when trading in equity, avail numerous facilities of a Savings Account, invest easily in IPOs, choose from multiple Mutual Fund schemes and much more.

A unique 3-in-1 Online Trading Account#

Seamless, Secure and Integrated 3-in-1 trading platform. Bank 3-in-1 online trading platform links the banking, trading and demat accounts, ensuring unmatched convenience for customers.

Basic Savings Bank Account

The Basic Savings Account helps the customer to save and transact with ease.

o Zero Balance Saving Account

Basic Savings Bank Account is available towithout any minimum Monthly Average Balance (MAB) requirement.

The Monthly Average Balance requirement for this account is nil No charges on ICICI Bank VISA debit card One chequebook of 15 leaves per annum will be issued without any charges. Request for

additional cheque books (15 leaves) at Rs. 30 (plus service tax as applicable) per chequebook

No charges on Internet Banking facility No charges on cash deposit transactions at base branch (Branch where the account is

opened) No charges on cash withdrawal transactions at base branch for the first 4 transactions in a

month; thereafter, the same is chargeable at Rs. 90 per transaction Cash transactions at non base branches within the city (Branches in same city where the

account is opened other than Base branch) are chargeable at Rs. 90 per transaction Anywhere cash transactions (cash transactions at branches in cities other than where the

account is opened) are chargeable at normal charges as published from time-to-time Interest is payable half-yearly

Other Accounts

An expansive ATM network; mobile, phone, internet, doorstep banking; customised loan products and a wide range of accounts and deposits — personalised banking climbs a notch higher with ICICI Bank.

o Easy Receive Savings Account

Easy receive savings account is a unique account that caters to the domestic banking needs while offering additional benefits for remittances received in the account.

Minimum Balance: Nil (if at least one inward remittance, of any amount is received in the last three months). In case no inward remittance is received in the last three months, the account should have a minimum average balance of Rs. 10,000* otherwise standard MAB charges will be levied

Mobile alerts to the account holder for remittances received, if the account holder has enrolled for it (free of charge)

Higher daily limit of Rs 50,000 for cash withdrawal at any Visa affiliated ATM FREE cash withdrawals at correspondent Bank's ATMs (up to 3 withdrawals per month) Dedicated Remittance help-line Money Multiplier Facility 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 Nomination facility is available Rs. 5,000 at semi-urban and rural branches.

o Professional Savings Account

A savings account packed with exclusive banking and financial services to cater to your needs.

Access to Privilege Banking Zone* Dedicated Relationship Manager and access to Wealth Management Branches and Lounges# International Debit Card with insurance coverage Facility to link with Current Account under CASA Family Anywhere Banking with higher limits Free usage of Multicity cheque book

Bank@Campus

Get a technologically progressive Account for students from select institutes.With ICICI Bank’s Bank@Campus, your child can now transact from his account at the click of a mouse. Bank@Campus is a technology-enabled service, which allows your child to get the bank account to his computer screen. He need not visit the branch at all. Maximum convenience and easy access.

Resident Foreign Currency Account

Saving in commission charges, as you can withdraw foreign currency when you want without any conversion charges

Facilitates your payments for foreign travel expenses No ceiling on deposits Convenient and value-added banking Protection to your money from valuation risks due to exchange rate fluctuations No ceiling on the maximum amount of deposit in the account

Special Savings Account

ICICI Bank’s Special Savings Account provides comprehensive banking services to non profit motive organizations like Trusts, Associations, Societies, Clubs, NGOs, Hospitals, Educational and Research Institutes and section 25 companies and entities eligible for a savings account as per RBI Guidelines.

Free multi city chequebook facility – All cheques issued by you will be payable at par at various ICICI Bank branches across the country

Money Multiplier Facility – On your request a Fixed Deposit is linked to your Special Savings Account enabling you to enjoy high returns and maximum liquidity. To know more, click here.

No penalty for non-maintenance of minimum balances in the accounts. Internet Banking Phone Banking Free Anywhere banking Free collection of outstation cheques Free monthly account statements Inward remittance through Money2India for FCRA approved trusts Supplementary Savings Solutions with added features

No Frills Account

The monthly average balance requirement for this account is nil Free ICICI Bank VISA debit card One chequebook of 15 leaves per annum free. You can request for additional cheque books ( 15

leaves) at Rs. 30 (plus service tax as applicable) per chequebook Internet Banking facility is not available to the customers Mobile Banking facility is not available to the customers Cash transactions at base branch is free for the first 4 transactions of a month; Thereafter in the

month, Rs. 90 per transaction All anywhere banking transactions chargeable at normal charges as published from time to time Interest is payable half-yearly Free Quarterly statement, free monthly e-mail statement on request Money Multiplier Facility shall not be available to the customers

 

The ICICI Bank Edge

Debit-cum-ATM Card

Withdraw cash from any ATM or pay for your shopping or purchases with your ICICI Bank Debit-cum-ATM Card at millions of establishments across India.

Salary Account

Advantage to EmployersAs an organisation, you can opt for our Salary Account to enable easy disbursements of salaries and enjoy numerous other benefits mentioned below-

Zero Balance Accounts

Zero Balance Salary Account for your employees-No worries of maintaining minimum balance in the account

Large branch and ATM Network

Large network of over 3,400 branches and 11,000 ATMs

Reduced Paperwork

Negate the requirement of cumbersome paperwork pertaining to salaries or maintenance of records.

Savings on costs

Experience Economical Banking through your Salary Account by availing free remittance (demand drafts, cheques, pay orders) up to Rs.25,000 on ICICI Bank network.

Special Offerings

With ICICI Bank Salary Account your employees enjoy-

Attractive offers on loans and credit cards Free anywhere banking facility Privileges of 8-8 banking and Investment advisory.

Advantages to EmployeesYour employees automatically become ICICI Bank Salary Account holders with special benefits and privileges and receive instant salary credit. The benefits include-

Zero balance Salary Account

Zero Balance Salary Account-No worries of maintaining minimum balance in the account

Welcome Kit

Just fill up a form and get your Cheque Book and Debit Card issued immediately.

My Savings Reward

Earn Reward Points under My Savings Reward by doing transactions like paying bills online, activating internet/ mobile banking, shopping online, paying loans through EMIs, Opening a recurring deposit or fixed deposit and many more through your Salary Bank Account.

International Debit Card

No annual fees on Debit Card Higher cash withdrawaland spend limit per day. This limit can be reduced or increased

based on your needs Zero liability protect on your Debit Card - lost card liability up to 2 lakh Debit card enabled for international online purchases

N-Cash Debit Card

Get an International N-Cash Debit Card for access to numerous ATMs and more than 11,000 merchant establishments across the world.

Internet Banking

Carry out a range of transactions online with our free best in class internet banking service with the most comprehensive suite of products and services in the industry. 

Online Funds Transfer

No need for cash withdrawals and cheque deposits. We give your employees the facility to transfer funds online from any part of the world.

Mobile Banking**

Transfer funds, pay bills, buy movie tickets and more on the move using your mobile phone.  .

Public Provident Fund (PPF)

Only private sector bank to offer a PPF account, a safe investment giving attractive returns with added advantage of tax benefit under section 80C.

National pension Scheme

ICICI Bank is also registered with PFRDA to offer NPS (National Pension Scheme) services to individual. The  Employee can clain tax benefits for the amount contributed towards pension under section 80CCD(1) with overall limit of 1 Lakh.

Family plus account

Zero Balance savings account (Family Plus Account) for parents, spouse and children

Child Education Plan

Child Education Plan - Features for your Child & his Dreams

Make small contributions to a Recurring Deposit for a short period and receive regular payouts for the rest of the tenure in your child’sYoungstar Savings Account.

Investments and Returns

Child is in kindergarten – Invest for the next 5 years and your child’s primary education will be taken care of.

Investment Phase

Invest a small monthly amount of Rs. 500 initially and thereafter multiples of Rs. 100 and watch it grow! The minimum tenure of this phase is 3 years and multiples of 3 thereon. Deposit cash, cheque or leave Standing Instructions to make banking easier. 

Benefit Phase

Earn interest on the money accumulated in the Investment Phase and receive regular equated payouts directly into the child'sYoungstar Savings Account.  Minimum tenure of this phase is 12 months and multiples of 1 thereon.

Other Features

Avail of easy loans against your deposits, premature withdrawal and closure and non-applicability of TDS.

Interest

Get the contracted rate of interest in both the phases, with  a quarterly or annual payout. earn the prevailing fixed deposit interest rates for the entire deposit period.

Outward Remittance

Send money to your loved ones overseas via this simple, reliable and quick route.

Advantages of Remitting Money with ICICI Bank

Vast Outreach

Benefit from ICICI Bank’s massive network stretched across nations to facilitate quick remittances in multiple currencies.

Product Offering

Remit Money through Wire Transfer and Foreign Currency Demand Draft.

Rewards

Earn reward points for debits from your Savings Account towards Outward Remittance under MySavings Rewards

Other Benefits

Remittance facility available through online channel, Get competitive exchange rates, Facility available to non-ICICI Bank account holders.

New Pension System

Launched on May 1, 2009 by the Government of India, New Pension System is promoted by PFRDA (Pension Fund Regulatory and Development Authority).

Overview

ICICI Bank is registered with Pension Fund Regulatory and Development Authority (PFRDA) to provide National Pension System (NPS) related services to corporates and individuals.Our Bank with 162 branches is a Point of Presence (POP) for the NEW PENSION SYSTEM launched on May 1, 2009 by the Government of India. The scheme, promoted by the PFRDA (Pension Fund Regulatory and Development Authority, Government of India), is a first of its kind in India and is being launched pan-India by 62 other POP's as well. The National Pension System (NPS) is  a pension fund for the employees of corporate entities where the corporate contributes on behalf of the employee with an aim of retirement planning of the employee. The main purpose of NPS is to promote security of income and market driven returns to its subscribers in their old age.

Features of National Pension Scheme

Prudentially regulated:Transparent investment norms, regular monitoring and performance review of Fund Managers by the NPS Trust. Flexibility:The subscribers can choose between 8 Fund Managers namely-

o ICICI Prudential Life Insurance Company Limitedo IDFC Asset Management Asset Management Company Limitedo Kotak Mahindra Asset Management Company Limitedo Reliance Capital Asset Management Company Limitedo SBI Pension Funds Limitedo UTI Retirement Solutions Limited.o DSP Blackrock Pension Fund Managers Private Limitedo HDFC Pension Management Company Limited

A. Flexibility to choose between Active and Auto Choice for distribution: A subscriber must choose between active choice and auto-choice for distribution of his contribution. If active choice is selected, the subscriber must indicate the percentage distribution between corporate, gilt and equity. The maximum investment allowed in equity is 50%.

The minimum contribution is Rs. 6,000 per year. There is no limit on maximum contribution. Although, the maximum contribution through cash is Rs. 25,000 per transaction.

0.0009% per annum as fund management fees, one of the lowest in the industry.

NPS account can be operated from anywhere in the country irrespective of employment and geography

All transactions can be tracked online through CRA system.

There should be a minimum of one transactions per year.

EEFC Account

With the surge in exports and inward remittances, RBI has permitted deposits of foreign currency in the Exchange Earners’ Foreign Currency Account – a Current Account with authorised foreign exchange dealers.

EEFC Account - Valuable Banking Facilities for ExportersWith the surge in exports and inward remittances, RBI has permitted deposits of foreign currency in the Exchange Earners’ Foreign Currency Account – a Current Account with authorised foreign exchange dealers.

Foreign Cheque Collection

Leave aside your worries when it comes to Foreign Cheques. ICICI Banks assures a speedy credit thanks to a wide network of correspondent banks.

Foreign Currency Drafts

Get Foreign Currency Drafts in USD, GBP and Euro with your EEFC Account.

Internet Banking

Access your Account regardless of the place you are in. Just log in with your User ID and password and experience hassle-free banking in a few clicks.

More Benefits

Get monthly account statements for free and manage outward remittances with ease, subject to FEMA Regulations 2000 governing EEFC Account and the Foreign Exchange Management Act, 1999.

2) DepositsICICI Bank has designed a gamut of deposits to cater to your unique banking needs.

Fixed Deposit

Putting the idle money in a fixed deposit and earning attractive returns.

Fixed Deposit - A Deposit with a Host of Benefits

Interest Rate

Earning attractive interest for various tenures on the deposits. 

Liquidity

Making premature withdrawals in multiples of Rs. 1, 000 subject to applicable charges, get a Loan or Overdraft up to 90% of FD amount and choose from monthly or quarterly payouts.

Minimum Balance

Customer can avail of ICICI Bank Fixed Deposits for a minimum deposit of Rs 10,000 for General Customers and Rs 2,000 for Fixed Deposits for Minors.

Choice of Plans

Select from 2 Investment Plans: 1. Traditional Plan Earn interest monthly/ quarterly basis as per your convenience with a maturity period ranging from 7 days to 10 years. 2. Reinvestment Plan Earn interest compounded quarterly and reinvested with the principal amount with a maturity period ranging from 6 months to 10 years.

Other Benefits

Avail of a loan facility up to 90% of principal and accrued interest, safe custody of FD receipts and automatic renewal of Deposit Account on completion of tenure.

Recurring Deposit

Save bit-by-bit and watch the money grow.

Open an account online; keep a track of the recurring transactions; avail of loan against your account without any TDS and much more.

Period of Deposit : Make deposits for a minimum period of 6 months and thereafter in multiples

of 3 months." should be replaced with "Make deposits for a minimum period of 6 months and

thereafter in multiples of 3 months. Maximum tenure of Recurring Deposit would be 10 years.

Minimum Balance

Deposit a minimum of Rs. 500 per month and thereafter, deposit in multiples of 100.

Other Features

Loan against deposit High rates of interest (identical to the fixed deposit rates) Non-applicability of Tax Deduction at Source (TDS)

iWish.

Flexibility :The freedom to choose when and how much to save This is exactly what makes

iWish different from a regular RD where a fixed amount must be saved every month.

Better returns :This flexible Recurring Deposit gives the same interest as a Fixed Deposit. This

way savings grow better.

Sharing :Let special ones know about your goals. With iWish, customer can choose to share your

goals on Facebook .

Receive contributions :Give an opportunity to family and friends to make contributions .Thus

iWish lets the loved ones contribute to the goals and help reach them sooner.

Dream DepositsA unique offering of four term deposit plans that enable customer realise his dreams at every stage of your life. Secure all the dreams that matter in life. Whether it is that much desired car, home, education or an ideal retirement, Dream Deposits are here to help move closer towards the desired goals.

Dream Car Plan

If an individual is thinking of owning a car, investing in ICICI Bank Dream car plan can enable the customer get his desired car.

Choice of 2 Saving Options

Invest a lump sum to build a sizeable amount for the down payment Invest small amounts regularly for a lump sum at the end of the stipulated time period 50% waiver on processing fees for the car loan Equated Monthly Installment (EMI) as per your requirement Attractive interest rates on car loans Secured and fixed returns on Fixed Deposit/ Recurring Deposit Minimum deposit amount : Fixed Deposit: Minimum Rs. 50,000 Recurring Deposit: Minimum Rs. 3000 per month ( subject to total principal deposit

minimum of Rs. 50,000)

Minimum Tenure of FD/ RD : 9 months Premature withdrawal: Allowed, subject to the terms and conditions governing the Dream

Car Plan

Dream Home Plan

ICICI Bank Dream Home Plan enables the customer to plan for his dream in a systematic manner

Choice of 2 Saving Options

Invest a lump sum to build a sizeable amount for the down payment Invest small amounts regularly for a lump sum at the end of the stipulated time period

Safety : Be sure that your savings for your dream home are in safe hands with ICICI Bank

Interest: Earn attractive rates of interest when you opt for ICICI Bank’s Home Loans.

Stay Connected: Get regular property updates from ICICI Bank Home Finance, upon filling up

the ‘ICICI HFC Buyer Registration Form’ and move a step closer to finding your dream home.

Avail of a 25% waiver on the processing fee for ICICI Bank Home Loans. Customer can also get a 10% waiver on the processing fee up to 10 times the amount of deposit withdrawn.

Secured returns on Fixed Deposit / Recurring deposit Minimum amount :Recurring Deposit-Rs. 5000/- per month

Fixed Deposit- Rs. 60,000/- Minimum Tenure of Fixed Deposit / Recurring Deposit : 1 year No TDS on interest earned on Recurring deposit Premature withdrawal : Allowed, subject to penalty as applicable and terms and

conditions governing Dream Home Plan Helps to utilize monthly savings to form a corpus for the down payment required to buy

the dream home.

Entitles the customer to get the following benefits on ICICI Bank Home Loans: 25% waiver on the Processing Fee for your home loan from ICICI Bank* Property alerts from ICICI Bank Home Finance to help identify the dream home. Attractive rate of interest on our home loans

Dream Education Plan

ICICI Bank Dream Education Plan helps secure the dream of offering the child the best education money can buy.

Total tenure : Investment + Benefit phase: 10 years Investment phase

Minimum RD tenure: 3 years , and there after in multiples of 3 months. Min. RD amount: Rs 500 and in multiples of Rs 100 thereafter Benefit Phase Option of quarterly / annual payout Min. tenure : 12 months ICICI Bank Youngstars Account mandatory for the plan, as repayment account in benefit

phase shall be the Youngstars Account

Safety: Secure the investments by making contributions to a Bank Term Deposit minus any

hidden or additional charges.

Smaller Contributions: ICICI helps build a substantial lump sum without stressing the finances

for the child’s education by making small savings every month.

Regular Payout: Make sure all the milestones in the child’s dream education plan are funded

appropriately by getting timely payouts.

Interest: Earn a Fixed Deposit interest rate for the entire duration of the Plan without any TDS.

Flexibility: Avail of a Loan against the Deposit and get an option to make a premature withdawal

or choose from a quarterly or annual payout in the Benefit Phase.

Dream Retirement PlanICICI Bank Dream Retirement Plan helps plan for retirement by securing the money

Total tenure : Investment + Benefit phase: 10 years Investment phase: Minimum RD tenure: 3 years , and there after in multiples of 3 months. Min. RD amount: Rs. 2000 and in multiples of Rs. 100 thereafter. Option of quarterly / annual payout Min. tenure: 12 months Safety of your investment by way of Bank term deposit Easy corpus building through monthly small savings Regular payout for funding your lifestyle requirements in your Golden years Earn FD interest rate for the entire period of the plan

( Investment + Benefit phase) Flexibility : Loan available on deposit Premature closure allowed Option of choosing quarterly / annual payout in benefit phase No additional allocation or handling charges for the investment NO TDS on interest earned on RD in investment phase

Dream Gold Plan

Choice of 2 Saving Options

Invest a lump sum to build a sizeable amount to buy Gold Invest small amounts regularly for a lump sum at the end of the stipulated time period

Ideal Investment Avenue: Gift the dear ones an auspicious token of love or enhance the wealth

creation through a diversified investment portfolio.

Interest: Earn a Fixed Deposit interest rate across various tenures without any TDS.

Safety: Be rest assured that the savings have been channelized into a genuine avenue since ICICI

Bank FDs/ RDs have a very high ‘AAA’ rating from Credit Rating Agencies like CARE and

ICRA.

Flexibility: Buy 99.99% Pure Gold Coins from ICICI Bank and earn discounts within 3 months

of maturity or withdrawal of the Dream Gold Deposit.

 

Tax Saving FD (Fixed Deposit)

An ideal solution for your investment needs

Choice of Plans: Choose from a Traditional Plan that pays interest monthly/quarterly basis or a

Reinvestment Plan that pays interest compounded quarterly and reinvested with the principal

amount.

Tax Saving

Get a tax exemption on your savings under Section 80D of Income Tax Act, 1961.

Accounts and Investment: Customer can make a minimum investment of Rs.10,000 and

maximum Rs.100,000 for a duration of 5 years.

Duration :Invest your money for a period of 5 years.

 

Security Deposits

A few Corporates stipulate to their new employees to provide Security Deposit to reduce attrition.

The Fixed Deposit is available in a single mode of operation. Maturity period ranges from 6 months to 10 years.

Minimum amount of deposit required is Rs.10,000 and beyond that deposits can be in the multiples of Re.1.

Interest is compounded quarterly and reinvested with the principal amount. Interest will be subject to TDS. The Fixed Deposit cannot be auto-renewed. Earn high returns on the money deposited Safe and Secure money deposit Flexible time period

4) LoansICICI Bank offers wide variety of Loans Products to suit your requirements.

Home LoanBuying your dream home is indeed an investment of a lifetime. We at ICICI Bank understand your need and recommend you a home loan well suited to meet your budget. Our experts will help you navigate through the home loan process, thus making home buying a comfortable experience. ICICI Bank is a trusted companion in this journey of yours from start till end. With a wide range of offerings, we will be able to offer you the most suitable Home loan.

Longer Tenure, attractive interest rates, lower EMIs Doorstep service at your comfort Flexible repayment options Simplified documentation Wide range of product to choose from Over 246 Bank Branches pan India for servicing of your loans Guidance throughout the process making home buying hassle free Insurance options for your home loan at attractive premium With a network of 2500 branches we are always close to you Sanction approval without having selected a property

Car Loans

The most preferred financier for car loans in the country. Network of more than 1800 channel partners in over 1700 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.

Drive home your dream car with Quick, Easy and Hassle-free Car Loans from ICICI Bank

Turning your dream into reality is now easy. Own your favourite car that you have always dreamt with attractive features of ICICI Bank Car Loans.  We offer car loans for New Car, Pre-Owned car and even a loan against car.

Loan up to 100% of ex-showroom price Loan tenure up to 7 years Pre-Qualified Car Loans for existing customers Attractive rate of interest Easy documentation

Benefits

Flexible repayment options Tailor made schemes Fast, Reliable and Personalised Service Attractive deals from associated car dealers Insurance cover for Loan Liability available, repayable along with EMI Zero Pre-payment charges under 'MultiAdvantage Car Loans' product

Personal Loans

Dream holiday, wedding, home renovation, latest gadgets or anything else you desire? Make real with Personal Loans up to Rs.15 lakh at interest rates starting 13.5%.

Personal Loans - Get finance for your every need

Dreaming of a vacation, a perfect wedding, home renovation or a much desired gadget, you no longer need to wait to realize your dreams. Make life picture perfect with ICICI Bank Personal Loans. Customised :Get personal loans up to Rs. 15 lakh for salaried, up to Rs.30 lakh for self employed and up to Rs.40 lakh for doctors. We offer flexible repayment option of 12-60 months.

Attractive Rates: Pay interest rates as low as 13.5% on your personal loan.

Convenient and Fast: Get a loan without any security or guarantor with minimum

documentation. Loan Disbursement within 72 hours* of document submission.

Cover your loan liability: Insure your Personal Loan liability with 'All Safe' Insurance.

Loans against Securities

Simply pledge your securities in favour of ICICI Bank and get an overdraft facility of the value of the securities pledged.

Loan Against Securities - Instant liquidity at your disposal

Loan based on the value of your securities

Pledge your securities in favour of ICICI Bank, get an overdraft facility of up to a certain value.

Easy withdrawal: Withdraw the money as and when you require from a current account that will

be opened specially for you.

Limited interest: Interest rate will be charged only on the amount withdrawn and for the time

span utilised.

This facility is available against the following securities:

Demat shares Mutual Fund units Fixed Maturity plans (FMP) Exchange Traded Funds (ETF) Insurance Policies Savings Bonds

Commercial Vehicle Loans

Get a loan for your new or used commercial vehicle and other facilities like top up on existing loans, working capital loans and more.Commercial Vehicle Loans - Keep up the pace of your work

Funding for all types of commercial vehicles

Whether big or small, get your commercial vehicle financed from – trucks, buses, tippers, and light commercial vehicles.

Extended Products :Get funding for new vehicles, finance on used vehicles, top up on existing

loans as well as working capital loans to keep your business going.

Hassle-free loan sanction system: Easily get finance for your business with quick turn-around

time and simple documentation process.

Preferred Financier Status: ICICI Bank holds a preferred financier’s status with all leading

manufacturers which will further smoothen your vehicle buying process.

Presence throughout India: Reaches you through more than 415 locations throughout the

country. So, no matter where you are, getting a commercial vehicle loan is easy.

Instant Gold Loan

ICICI Bank presents "Loan Against Gold and Gold Ornaments", designed to provide liquidity against gold and gold ornaments without having to sell them.Loan Against Gold and Gold Ornaments: With ICICI Bank, get an instant loan against your gold and gold ornaments. It's a quick, secure and hassle-free way to get the best value for your gold.

Different Schemes To Suit Different Needs: We understand that you encounter different

situations wherein you are in need of quick funds. ICICI Bank Gold Loan product provides you

schemes to service your need depending on the end use of loan.

Attractive Interest Rates: We offer attractive interest rates on your Gold Loan.

Quick Sanction and Disbursement: Loan will be sanctioned on submission of all required

documents and satisfactory assessment of gold ornaments. Instant disbursement done once the

loan is sanctioned.

Other Loans

Two Wheeler Loans

Own your favouritetwo wheeler that you have always dreamt with attractive features of ICICI Bank Two Wheeler Loans.

Construction Equipment Loans

We provide extended products like funding of new equipments, refinance option on existing equipment etc.

Flexicash-Main

ICICI Bank offers personal Line of Credit for salaried customers.

Pre-qualified Loans

Now Car Loans, Credit Card, Home Loans and Personal Loans, all at the click of your mouse.

Online Loans

Check your pre-qualified offer by signing in using your debit card, credit card or loan account