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CORPORATE INTRODUCTORY PROJECTREPORT ON ICICI BANK

BY NAME: MBA SAMISTAR: Jayanta Kumar Das COURCE: 16 SECTION:

2nd Semester ROLL No:

Banking and Insurance

INTERNATIONAL INSTITUTE OF BUSINESS STUDIESKHB MAINGATE, R.T.NAGAR POST, BANGALORE-560 032 2008-2009

Logo of ICICI bank

Address of the head office of ICICI bankAddress: ICICI Bank Towers C - 15, G - Block, Bandra Kurla Complex Bandra (E) City: Mumbai Pin: 400 051 State: Maharashtra Phone No.: +91-22-26531414 Website: http://icicibank.com/ Fax: +91-22-26531122 / 368 / 212

Chairman and managing director of ICICI bank

N. Vaghul, Chairman, ICICI Bank.Srinivasan indeed has excellent credentials to outline management concepts and link them to the teachings of Valluvar. I came to know him as a young executive of ICICI and have seen him rise to great heights within the organisation. The manner in which he put 3i Infotech on the growth path, successfully dealing with many challenges the company faced in its formative years, is testimony to his emergence as one of the young corporate leaders in the country. The book not only incorporates the results of his rich experience in corporate organisations but also reflects his deep understanding of ancient Indian philosophy. I am greatly impressed by his ability to link the teachings of Valluvar with the various concepts propounded by the management gurus of the day. This comparative analysis would be of great interest to students of management. I would, without hesitation, recommend this book for reading by young and aspiring corporate executives.

K.V. Kamath, M D & CEO, ICICI Bank. 31, May 2006 Srinivasans book is a remarkable attempt to distil the wisdom of this great work into easily understandable concepts for modern managers. His hands-on experience and knowledge of business, combined with his deep understanding of our culture and philosophy, is the great strength of this book. I am sure readers will find this an interesting and rewarding experience. make reading this book both a pleasure and a learning experience.

Brief introduction of ICICI bankICICI Bank India is the largest private bank in India and the second largest in the entire banking sector (consisting of banks belonging to both public and private sector). Only State Bank of India (SBI), controlled entirely by the Government of India has a bigger business than ICICI Bank. About ICICI Bank India

Founded in 1955 as Industrial Credit and Investment Corporation of India, ICICI Limited was established by the Government of India in the 1960s as a Financial Institution like Industrial Development Bank of India (IDBI) to finance large industrial projects. ICICI then, was not a bank and hence could not take retail deposits and was not required to comply with Indian banking requirements for liquid reserves. ICICI borrowed funds from various agencies like the World Bank, often at concessional rates. These funds were deployed in large corporate loans. However, the scenario changed drastically in1990s when ICICI founded a separate legal entity and named it "ICICI Bank".ICICI Bank, as the name would suggest, undertook normal banking operations like accepting deposits, issuing credit cards, providing car loans etc. The experiment was so successful that ICICI merged into ICICI Bank and this "reverse merger" happened in 2002. Financial Results (as on March, 2006)

Sales: US $ 5.79 billion (US $ 3.18 billion in March,2005) Profits: US $0.569 billion (US $ 0.360 billion in March,2005) Assets: US $ 56.3 billion (US $ 30.06 billion in March,2005) Besides, ICICI Bank India had over 30,000 employees working for it.

Controversies At the time of the reverse merger, rumors propped up that ICICI had a large proportion of Non Performing Loans (NPAs) in its books of accounts, primarily in the name of the steel industry. The circumstances that forced this belief was that since 2002, there had been a general revival in Indian industry (particularly in metal based industry). Recently, ICICI Bank has been in news for providing poor customer service. The financial consultants and advisors associated with ICICI Bank have been reportedly giving false information (like exaggerated numbers) about the ICICI Prudential Life Insurance Policy. Moreover, the home loan facility provided by them is not up to their standards. The rapid growth of the bank is being held responsible for causing an inability to ensure goodwill amongst customers. Success story

Today, ICICI Bank, India has the largest market share and value among all banks in retail or consumer financing. ICICI Bank is the largest issuer of credit cards in India. It was the first bank to offer a wide network of ATM's and had the largest network of ATM's till 2005, before SBI caught up with it. ICICI bank now is widely seen as a sophisticated bank able to take on many global banks in the Indian market. The bank is expanding in overseas markets. It has operations in the UK, Hong Kong, Singapore and Canada. It acquired a small bank in Russia recently. It has tieups with major banks in the US and China. The bank is aggressively targeting the NRI (Non Resident Indian) population for expanding its business.

Various branches of ICICI bank in India

ICICI Bank Branches in Chandigarh

City

Branch Chandigarh CHANDIGARH Manimajra CHANDIGARH Chandigarh Sector 9C

CHANDIGARH

Chandigarh Sector 35C

CONTACT -SCO-36, POCKET-1, MANIMAJRA, CHANDIGARH - 160101 SCO 9-10-11, SECTOR 9-D. -CHANDIGARH 160017 ArchanaNijhawan 0172-2374609 SCO 485-486, Sector 35C, -Chandigarh. 160022 KuldeepLaroiya 0172 2622280 / 5075485 0172 -5075486

ICICI Bank Branches in Bihar

City

CONTACT ICICI Bank H-39 DOCTORS COLONY, Patna -KANKERBAGH, PATNA-20 800020 PATNA Kankerbagh Sanjay kumar 0612 2353924 25/29 0612 - 2353900 101 & 102 I Florr Kashi Palace, Dak Bunglow Road, Patna. 800001 PATNA Patna Rakesh Kumar 0612 -2 226195/2223151/2206505 0612 -2 202966 Club Road, Ramna, Muzaffarpur 842002 MUZAFFARPUR Muzaffarpur Anand kumar Halwasia [email protected] 0621

Branch

ICICI Bank Branches in Gujarat

City

CONTACT Blue Chip Complex, Sevashram Road, BHARUCH Bharuch Panchbatti, Bharuch - 392001 Near M. P. Shah Medical College, Solarium JAMNAGAR Jamnagar Road, P. N. Marg, Jamnagar. - 361008 GANDHIDHAM Gandhidham Arihant, Plot No 341, Ward 12/B - 370201 Ground Floor, Plot No. 2569,Ratnadeep, BHAVNAGAR Bhavnagar Opp. Central Salt Research Institute, Waghawadi Road, Bhavnagar - 364002 Ground Floor, Mari Gold Complex, JUNAGADH Junagadh MotiBaug, - 362001 Ahmedabad- Shop no 5/6,Samarpan Complex, AHMEDABAD BOPAL Bopal Road,Ahmedabad - 380058 ICICI Bank Landmark Building, Race Course Circle, VADODARA Vadodara Alkapuri, Vadodara. 390007 Hemant gulabchand Baid 0265 - 2339923 2339924 / 0265 - 2325318 JMC House, Opp. Parimal Gardens,Off C.G.Road Ambawadi, Ahmedabad AHMEDABAD Ahmedabad 380 006. JMC House KISHORE L.V.R. 079-2646 1947 ICICI Bank Anjan Shalaka, Lal Bungalow, Surat - AthwaAthwa Lines, Surat. 395007 SURAT Lines Nihar pattanaik 0261 2254061, 2258234/35 0261 -2258234 Swamini Complex, Opp. Drive-In Ahmedabad -Cinema,Drive in Road, AHMEDABAD Drive-InAhmedabad. 380054 Cinema Chirag patel 079 26856785 079 - 26841333/34/35 FF/7 & 8, Tirthjal Complex, 132 Feet Ring Road, Ahmedabad -Jodhpurgam (Satellite Area), Ahmedabad AHMEDABAD Satellite Area District. 380015 Nikhit fernandes 079 26762682 952525 - 266870/71/72 Valsad - TithalShakuntal, Opp. G.P.O., Tithal Road, VALSAD Road Valsad. - 396001

Branch

Jai Hind Press annexe, Opp. Shardabaug, Babubhai Shah Marg, Rajkot. 360001 Rajkot - Jai RAJKOT Sanjay Rai Hind Press 0281 2443973 / 74 75 / 76 2450510 Plot No.315, Sector 16, Gandhinagar, Gujrat. 328016 Gandhinagar Gandhinagar Rajesh Gadhvi 079 23234252 256 079 - 23234260 Plot No 135, VIA House, GIDC cross Roads, GIDC Cross Vapi Road, Vapi Vapi, Gujarat - 396195 2/1, Ground Floor, Popular House, Ahmedabad Ashram Road, Ahmedabad. 380009 AHMEDABAD Stadium Ankur shah 079-26578619 Circle 079 - 26578560, 26577960, 26578618 ICICI Bank Ground Floor, Om Shopping Complex, Surat - Majura SURAT Anand Mahal Road, Adajan 395009 Gate Naveen kumar Singh 0261 - 2763620/42 Navsari -Rockies Apartments, Sayaji Road, NAVSARI Sayaji Library Navsari. - 396445 Wadia Road,ICICI Bank Ltd., Suruchi Hospital, PORBANDAR Porbandar Wadia Road, Porbandar - 360575 ICICI Bank `AMRAPALI COMPLEX, WATER TANK ROAD, Vadodara VADODARA KARELIBAUG 390018 Karelibaug Aishwarya shanbhag 0265 - 2492661/2492181 0265 - 2491650 Ground Floor, Radheshyam Building, Gamdivad, ANAND Anand Anand 388001 Ashish Mehta 02692-26188/269488 269588 GIDC -Viral House,5701/A GIDC ANKLESHWAR ANKLESHWAR Ankleshwar 393002 Petlad Road,Ground Floor, Prime Location, Petlad Road, NADIAD Nadiad - 387001 Suvas Complex, Ground Floor, Opp. Rajasthan Hospital, Ahmedabad AHMEDABAD Shahibaug, Ahmedabad 380004 Shahibaug Chirag Shah 079 2286 1546/49 079 - 2286 1551 ICICI Bank Sarthik II, Ground Floor, S.G.Road, Ahmedabad AHMEDABAD Bodakdev, Ahmedabad 380054 S.G. Road Mitul oze 079 - 2687 0965 / 66 079 - 2687 0967

Ground Floor, Haash Business Centre, Fatehpura, Vasna, Ahmedabad - 380007 Vasna -Gujarat AHMEDABAD Ahmedabad Shri. Anthony Esthakku ([email protected]) (079) 26603126, (079) 26605326 / 2602 G6-10, Shukun Plaza, L G Corner, opp Pruthvi Hotel, Maninagar, Ahmedabad AHMEDABAD Ahmedabad. 380008 Main Shrinivas T 079 -25470650 25461400 079 - 25471273 ICICI Bank Ground Floor, BBC Towers, Opp. World Trade Centre, Vadodara -Jetalpur Road, Sayajigunj, VADODARA Sayajigunj Vadodara. 390005 Nitigna shah 0265 - 2225632 / 2225633 2363048 0265 - 2225634 ICICI Bank Shree Shyam Chambers,Opposite Subjail Ring Road, Surat - Ring SURAT Surat. 395002 Road Rajesh patel 0261 2337128 7143 / 8428 0261 - 5563340 433, Nalanda Society, Kalawad Road, Rajkot -Rajkot. 360005 RAJKOT Kalawad Nilesh Ishwarbhai Gandhi Road 0281 2571430 / 2586230 2572850 / 51 2588841 Gr. Floor, Jayshree Building, Nr. Kokila Trading Co, Mehsana Highway, Mehsana 384002 MAHESANA Mehsana Sameer chaubal ;[email protected] 02762-232205 ;9825063665 GROUND FLOOR, STHAPNA COMPLEX, OPP GHB COMPLEX, ANKUR ROAD, NARANPURA, AHMEDABAD. Ahmedabad AHMEDABAD 380013 Naranpura Maulika chandramouli [email protected] 079 - 27490144 ;9825100611 Siddachal Hospital Road, Bhuj, Gujarat. 370001 BHUJ Bhuj Ranjitkumar v [email protected]; 02832 227795 / 02832 -227870/ 71 / 72 Sector 12, Road No.1, RPL Township Moti Kavdi, P.O. Digvijay Gram, Jamnagar JAMNAGAR Moti Kavadi District. Anil Vegad 0288 - 3019881 - 84

ICICI Bank Branches in Jammu & Kashmir

City

Branch CONTACT ICICI Bank KC Plaza, Residency Road, Jammu 180001 Jammu - Residency Jammu Yadvender dogra Road 0191 - 2573000 / 3001 0191 2560522

ICICI Bank Branches in Karnataka

City

CONTACT 2950, Aishwarya Arcade, 9th Cross, MYSORE Mysore Kalidasa Road, V.V. Mohalla, Mysore. - 570002 Shree Krishna Towers, #14, Khanapur BELGAUM Belgaum Road, RPD Cross, Tilakwadi, Belgaum. - 590006 BangaloreNo 11, 1st Cross, K G Road Extension, BANGALORE Avenue Road Opp Menaka Theatre, Bangalore - 560009 ICICI BANK LTD,,Electronic city branch Bangalore -( Branch Code 0360), BANGALORE Electronic City Survey No 7(P) Phase II,Electronic City Bangalore - 560100 ICICI Bank Towers, 1, Commissariat Road, Bangalore - MGround Floor, Bangalore 560025. BANGALORE G Road Rasmi Pai 080-5129 6208 MANGALORE Mangalore ICICI Bank Ground Floor, Bharath Building, Post Box No. 44, Panje Mangesh Rao Road, Mangalore. 575001

Branch

BANGALORE

BANGALORE

UDUPI

BANGALORE

BANGALORE

HUBLIDHARWAD

BANGALORE

BANGALORE

DHARWAD

BANGALORE BANGALORE

Praveen Anchan 0824 - 2442505 2442508 No:117,Koramangala Industrial Layout,VII Bangalore -Block, Koramangala Bangalore Uday S 080-51104980/1/8 80-7, Elephant Rock Road, 3rd Block, Jayanagar, Bangalore. 560011 Bangalore Gayathri vasudevan Jayanagar 080- 57653628 080 - 26643500/26649999 26349738/26349739 Kasturba Hospital Complex, Main Road, Manipal Manipal, Udupi District, Karnataka. 576104 No.95/1, 11th Cross, 4th Main, Malleswaram, Bangalore Bangalore. 560003 Malleshwaram Prakash pai 080 23369587 079 - 26730355 / 26732358 Plot No. CA 2P1, Near Toyota Kirloskar Motor Limited, Bidadi Industrial Area, Ramanagaram Taluk, Bidadi Bangalore Rural District. 562109 Kannan S 080 7287184 86 7287189 080 - 7287187 Travellers Eureka Junction, Travellers Bungalow Road, Bunglow Road, Hubli - 580029, Karnataka Hubli No.1740, 17th Cross, Vijayanagar, Bangalore -Bangalore. 560040 Vijayanagar Nikhilesh melkote 080 - 23112055 080 - 23112052 / 53 Salarpuria House, # 496, CMH Road, Indira Nagar. 560038 Bangalore Narasimha manja Indira Nagar 080 25203077 080 25202517/ 25202717 Rao Saheb A.C.K.Complex, Near Jubilee P.B. Road, Circle, Dharwad P. B. Road, Dharwad. 580001 Karnataka # 5, P & T Colony, R.T.Nagar Main Road, Bangalore - RR T Nagar 560094 T Nagar Sudheer B N V 080 - 5124 4521-26 NA 080 - 5124 4528 Safal-CIBDMOTHER DAIRY FOODS PROCESSING LTD., RMAG UNIT:SAFAL FRUIT & VEGETABLES AUCTION MARKET, POST BAG NO 6714, SY NO.99, VILLAGE KHAJISONENAHALLI,

BANGALORE

BANGALORE

BANGALORE

BANGALORE

BANGALORE

BANGALORE

BANGALORE

BANGALORE

SHIMOGA BANGALORE

WHITEFIELD HOSKOTE ROAD, BANGALORE SOUTH TALUK, BANGALORE. Hemang amul Desai 080-28456178 No.509, 8th Cross, West of Kanakapura Bangalore -Road, Jayanagar 7thJayanagar 7th Block, Bangalore 560082 Block Raghavendra S 080-56648500/1/2/3/4 NA 080-56648500 ICICI Bank Ltd., No. 6 Balaji Layout,Wheeler Road Extension, Bangalore Cox Town, Bangalore - 560084 Cox Town Bharath Babu Pallela 080 - 51253472 / 73 / 74 080 - 51253471 # 20, Langford Road, Shanthinagar, Bangalore 560 027 560027 Bangalore Mayank Vijoy 080-5123 7340 BOM Langford Road Mob-9886043431 NA 080 - 5129 7340/41/42/43 ICICI Bank Ltd; M G Complex; APMC Yard; Bangalore Yeshwantpur; Bangalore 560022 Yeshwantpur Hemang Amul Desai CIBD 080 - 51277271/72 080 - 51535598 1693 A-32, Dr Rajkumar Road, Rajajinagar, Bangalore -Bangalore 560010 Rajajinagar Santosh Rao 080-51277451 - 54 080 - 51277450 #802,Essar plaza,7th Cross, BTM 2nd Bangalore -Stage, BTM 2ndBangalore 560076 Stage Brahma Mahesh S. Khaderbad 080 - 51311863 080 - 51311861 4M -417, 80 feet Road, HRBR III Block, Kalyana Nagar, Bangalore Kammanhalli, Banhgalore 560 043 HRBR Layout Anish Kumar 080 - 55302646 / 48 080 55302651 148/75-1, 26TH MAIN ROAD, JAYANGAR Bangalore -9TH BLOCK, Jayanagar 9thBANGALORE 560069 Block Govardhan Shetty K 080 - 51301862/3/4/5 080 - 51301861 Shimoga CIBD Park VASAVI LODGE COMPLEX, PARK Extension, EXTENSION, Shimoga SHIMOGA - 577201 Bangalore - N100/1, Narasimha Raja Road, Opp. Town R Road Hall, Bangalore. 560002 Prasad S K V

BANGALORE

BANGALORE

BANGALORE

MYSORE

BANGALORE

080 - 5132 4923 / 24 / 25 / 26 51131877 080 - 5132 4930 125/1, Dispensary Road, Cantonment, Bangalore. 560001 Bangalore Srinivas v 080 25550223 Cantonment 080 25098869,25098896,51238869,51238896 ICICI Bank Ltd., No 2, Kaushal Emerald, Kumarapark, Opposite Gandhi Bhavan, Bangalore -Bangalore 560 001 Kumara Park Meena Herle 080 - 51512041/42 /43 080-51138321 080 - 51512045 132, Bull Temple Road, Chamarajpet, Bangalore. 560018 Bangalore Annamalai K 080 - 26521923 / 26506493 / Chamarajpet 26616380 080 -26616379 # 34/2.3.4, Ramavilasa Road, Mysore Mysore Main 570024 No. 420, 27th Main, Sector I, HSR Layout, HSR Layout,Bangalore 560034. (Karnataka) Bangalore Mr.Jyotirmaya Mohanty 080-57763152/53/54/55/56

ICICI Bank Branches in Kerala

City

CONTACT Emgee Square, M.G.Road, KOCHI Ernakulam (Cochin) Ernakulam, Kochi. - 682035 Kompen Gansen House, CHENGANNUR Chengannur Railway Station Road, Chengannur - 689121 CITY CENTRE, BANK ROAD, KASARAGOD Kasaragod KASARAGOD, KERALA. - 671121 ADONAI TOWERS, S.A ROAD, KOCHI Kochi - Kadavantara KADAVANTHARA PO, KOCHI-682016 - 682016 Edapally -B M Complex, Edappally, KOCHI Ernakulam Kochi - 682024 ICICI Bank Ltd, Vaidya Commercial Arcade, KOLLAM Kollam (Quilon) Next to Hotel Shah Intl., Residency Road, Kollam691001. - 691001 CSI Ascension Square, Collectorate - Railway Station KOTTAYAM Kottayam Road, Kottayam, Kerala. - 686001 Kavalam building, M C Road, CHANGANASSERY Changanacherry Kavala, changanacherry - 686101 P B No. 38, Door No. 576, 577, PATHANAMTHITTA Kumbanad Near N M H S., Kumbanad. - 689547 P B No. 30, Noufal Bldg., Opp. KARUNAGAPALLY Karunagapally Head Post Office, Karunagapally. - 690518 ICICI Bank Ltd, Aban Arcade, T.K. Road,T.K Road, PATHANAMTHITTA Pathanamtitha Pathanamtitha, Kerala. 689645 Ameena Complex, Hospital Road, BSNL Customer Service Hospital Road, PERINTALMANNA Bldg Perinthalmanna Near Allukkas Jewellery, Perinthalmanna - 679322 Senior Shopping Complex, TIRUR East Bazaar - Tirur Senior Cottage, East Bazaar, Tirur - 676101 Manayath VADAKARA Edodi, Vadakara Building,Edodi,Vadakara 673101 Cherumattathil Plaza, Arakuzha Road Arakuzha Road Junction, MUVATTUPUZHA Junction, Muvattupuzha, Kerala Muvattupuzha 686661 WEST FORT ROAD -UDAYA TOWERS, WEST FORT PALAKKAD Palakkad ROAD - 678001 Pump JunctionImperial Plaza, Pump Junction, ALUVA Aluva Aluva-683101 - 683101 ICICI Bank TC1/1491, Pazhaya road, Medical College, Trivandrum -Trivandrum 695011 695011 THIRUVANANTHAPURAM Pazhaya Road Sobha manoj 0471 - 2559260 / 57 0471 -

Branch

ICICI Bank Branches in MaharashtraCity CONTACT CTS 20592, Tapadia Circle, Opp. Nirala Bazar, AURANGABAD Aurangabad Samarth Nagar, Aurangabad. 431001 Nalanda Dance Institute, JVPD Scheme, MUMBAI Mumbai - Juhu 10th Road, Juhu, Vile Parle (W), Mumbai - 400 049 215, Free Press House, Nariman Point, Mumbai Mumbai. MUMBAI Nariman Point RAJIV TALARI CIBD (22851331/9820529913) ICICI Bank A-Wing, Shangrila Gardens, Bund Garden Road, Pune. 411001 Pune - BundGurusankar B 020 - 26128248 / PUNE Garden 26128249 26128592/93 (020) 30942668, 30941433, 30941377 Sagar Avenue, Ground Floor, Opp. Shoppers Stop, S.V. Road, Andheri (W), Mumbai. 400058 Mumbai MUMBAI Latha Menon Andheri 022 - 26715844 / 26715847 / 2671 5849 2670 2189 / 2628 8093 / 5692 4697 5692 4695 / 5692 4696 Abhilasha-1, Punjabi Lane, Borivali (W), Mumbai -Mumbai. 400092 MUMBAI Borivali Falgun vithalani 022 - 28662900 022 - 28638160 - 63 Surya Shopping Centre, Sector 5, Shrishti Residential Complex, Mira Road Thane - Mira(E), THANE Road Thane. 401104 Harish Puthran 022 - 29451963/64 30932867 022 - 29451965 Branch

MUMBAI

THANE

MUMBAI

THANE

MUMBAI

THANE

MUMBAI

MUMBAI

PUNE

Galleria Shopping Mall, Hiranandani Gardens, Powai, Mumbai. 400076 Mumbai - Powai Geeta salian 022 25797345 022 25704846/25701595 Vimal Shopping Centre, Main Road, Near Post Office Vasai Road (W). 401202 Thane - Vasai Kevin miranda 95250 - 2344970 (95250) 2343992 / 2344971 2344972/2341072 oic-ops direct Kailash Plaza, Final Plot 355, Vallabh Baug Lane, Opp. Odeon Cinema, Ghatkopar East, Mumbai -Mumbai. 400077 Ghatkopar Farokh Adarian 022 25149103/25149271-72 (022) - 30932961, 30906750 022 30932961 Porwal Complex, Shop No. 13, Dr B.R. Ambedkar Road, Thane Bhayandar (W), Thane. 401101 Bhayander Mridula samant 022 8184545 022 - 8184543 / 8193665 167-C, Poonawadi, Dr. Ambedkar Road, Dadar, Mumbai Mumbai. 400014 Dadar Sudhakar n 022 24113639 022 - 24116203 / 24116205 Palm Court, Ram Maruti Road, Naupada, Thane (W). Thane Shridhar kulkarni 022 - 25386202 - 03 / 25452219 / 30 Maratha Mandir Annex, Dr. Anand Rao Mumbai - I-ServNair Road, - Extn. Opp. Mumbai Central Station, Mumbai. Salim sakarlal Khimani 022 - 23016181 Plot No.206-221,KRYSTAL Bldg,Waterfield Road, Mumbai Bandra(west),Mumbai 400050 Bandra Swaminathan p V 022-6405408 02226405412/26405435 Pune -ICICI Bank 1240-A, Subhadra Bhavan, Shivajinagar Apte Road, Shivaji Nagar, Pune. 411004 Aashish V Chaturvedi 020 - 25512833 - 35 (020) 30941376,

DAHANU

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NAGPUR

PALGHAR

BOISAR

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THANE

MUMBAI

30942636 1st Floor, Vaibhav Commercial Mubaraki RoadComplex, Dahanu H.K. Mubaraki Road, Dahanu. 401602 ICICI Bank Plot No. 11, Zone II, Alankar Palace Near Pragati Petrol Pump, Bhopal M. P. Nagar, Bhopal. 462011 Nalin punera 0755 - 5226979 - 80 5283120 0755 - 3096193 Gr. Flr., Kala Academy, Ravindra Natya Mandir, Mumbai Prabhadevi, Mumbai. 400028 Prabhadevi Maneesh Ajmani 022 - 24210589/90/91 Vishnu Vaibhav, 222, Palm Road, Civil Lines, Nagpur - CivilNagpur. 440001 Lines Ashish Oke 0712 - 2540297 / 5614040 / 2540014 2540294 / 2540302 Ground Floor, Shivprasad Commercial Mahim Road -Complex, Palghar Mahim Road, Palghar - 401 404. 401404 1st Floor, Jagdish Enclave, BoisarBoisar-Tarapur Tarapur Road, Road Boisar Boisar. - 401501 ICICI Bank Gulmohar Park, Plot 1 A, ITI Road, Aundh, Pune - 411 007. Pune - Aundh Ravindra Jambhale 020 25890902 / 03, 02030945336/7 ICICI Bank Krishnakeval Commercial Complex, Main Kondhwa Road, Pune -Kondhwa, Pune. 411048 Kondhwa Rahul Mone 020 - 26834115 17/26830137 (020) 30942916, 30941439 P-78, MIDC Residential Area, Next to Mamta Hospital, MIDC phase-II, Thane Dombivli (E), Thane District. 421203 Dombivali Digambar pralhad Kocharekar 0251 - 2440450 040 27178695/78 Mumbai - Vashi Ground Floor, Arti, Shivaji Chowk, Sector 2, Vashi, Navi Mumbai. 400703 Vinod Shirke

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MUMBAI

022 - 27824136 / 27824178 Shivam Shopping Centre, S.V.Road, Opp. New Era Cinema, Malad (W), Mumbai. 400064 Mumbai - Malad Rajdeep gajanan Godkar 022 - 2888 2588 022 - 28824940/ 2883 6885 Shop No. 10 - 18, Sai Plaza, Near Nashik Road BYTCO College, Poona Road, Nashik Road. - 422101 Solapur Gulmohar Complex Mahveer Chowk,Ground Floor, Beskar Tower, Solapur Mahaveer Chowk, Solapur, Maharashtra. - 413001 Guru Gobind House, Opp. Purnima Theatre, Murbad Road, Kalyan West, Thane. 421301 Thane - Kalyan Mahesh dixit 95251-2322255 0251 - 2437953 / 54 2420831 /2453170/2457345 Ground Floor, Indraprastha, Opposite Premnarayan Indernarayan Chowk Mumbai -Linking Road, Santacruz West, Santacruz Mumbai. 400054 Asheesh choukse 022 - 3090 6747 011 - 27436139 / 27435169 Kadamgiri Complex, Hanuman Road, Vile Parle East, Mumbai - Vile Mumbai. 400057 Parle Thekanath chacko .26182425 95251-2322306 Vyapar Bhavan,APMC Grain Market, Vashi APMC Phase II,Sector 19,Vashi Saurabh khanna 022-27880840 Shop No.18, Block No. 2, Dhanya Bazaar, KALAMNA Pt. Jawaharlal Nehru Market Yard, NAGPUR APMC Kalamna, Nagpur. Nikhil kowale 0712 - 5631751 226/230, Giriraj, Opp. TBZ, Zaveri Bazaar, Mumbai - Zaveri mumbai 400 002 400002 Bazaar Vikas aggarwal 022 - 22426539 0141- 5103553 Samarth Vaibhav, Off k.W.Marg, Lokhandwala Complex, Mumbai Oshivara, Andheri (W) 400053 Lokhandwala Sanjay Kapse 022 - 26347518-20 NA 022- 26347521

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PUNE

PUNE

Aangan ,opp thakur cinema, thakur village , Mumbai kandivli(E) 400 101 Kandivali East Mac lopes 022-2884 7669 022-2884 7672 / 78 S1 vedant commercial commercial complex vartak nagar Thane - Vartakthane west thane 400606 400606 Nagar Rajesh Manohar Kadam 022 25889882 39534063 022 39534064 ICICI Bank Limited,Shagun Mall,Film City Road, Mumbai -Goregaon (E) 400063 Goregaon East Sarita Nair 022-28412519/3518/3712 022 28413587 ICICI Bank Zehra Manzil,91, Lady Jamshedji Road, Next to Paradise Cinema, Mahim Mumbai (West), Mumbai 400016 Mahim Joan valles 022 2 445 1842/24456146/BOM Direct24466148 022 - 2 447 4608 ICICI Bank Shop No. 3 - 8, Ground Floor, F - wing, Premier Plaza, Old Mumbai Pune Pune Highway, Chinchwad, Chinchwad Pune 411019 Ravindra Kulkarni 020 - 56142930 ICICI Bank Elmac House, Lower Parel, Mumbai - LowerMumbai 400 013 400013 Parel Pramila bertha Vaz 022 - 24970783 022 - 24971049 ICICI Bank Neel avenue,plot no 5,sector 19, panvel matheran road,New PanvelPanvel 410206 410206 Satish muley 022 - 27482027 022 - 27482027 ICICI Bank Somshank Chambers,Survey No. 46, Pune - SataraPlot - 1,Pune - Satara Road,Pune Road 411009.(Maharashtra) Umed Madhamshettiwar 020 - 56096302/03/04 Na Pune - Kothrud ICICI Bank Plot No. 1, S. No. 15/1, Sarthak Terraces,

Opp. Gandhi Lawns, Kothrud, Pune 411052 Rahul Mone 020 - 56207074/75/77 Na RAJARSHI SHAHU ARCADE, C.S. NO. SANGLI-MIRAJSangli Road 13501, KUPWAD SANGLI MIRAJ ROAD. - 416416 Ausa Road,Hotel Vyankatesha, Ausa Road, LATUR Latur Latur 413512 - 413512 396/410, Shamitha Terrace, Lamington Road, Opera House, Mumbai - 400004. Opera House MUMBAI Shri. Pankaj Adurkar Mumbai ([email protected]) (022) 23865160, (022) 23865161 62 / 63 / 65 / 66 78, Commerce Centre, Tardeo Road, Opp HPCL Petrol Pump, Tardeo, Mumbai 4000034. Tardeo -Smt. Rupal Dalal MUMBAI Mumbai ([email protected]) (022) 23525972 (022) 23525973/74/75 Navsari Building, 240, D.N.Road, Fort, Mumbai. Mumbai - Fort Sudipta bhattacharya 022 22006775 / 22086590/22077602/22073934 Plot no.98, A-B Pratap Palace, J N Road, Mulund [W], Mumbai. 400080 Mumbai Siddheshwar Vinayak Natu Mulund 022 25932661 / 62 / 63 (022) - 30932870, 30905311 022 25932660 ICICI Bank Ltd., Runwal Residency, Near Hotel Malhar, Next to Cosmos Electronics, D.K. Mumbai -Sandhu Marg, Chembur Chembur (East) Mumbai 400071 400071 Paresh Tavargiri 022-30932736 022 - 22426203/3741 Pune -ICICI Bank 796-B, Bhandarkar Institute Bhandarkar Road, Deccan Gymkhana, Road Pune. 411004 Manish Misri 020 - 2567 6462 / 63 / 2566 1170

MUMBAI

MUMBAI

MUMBAI

PUNE

NAGPUR

Nagpur Ramdaspeth

MUMBAI

Mumbai Marine Lines

NASHIK

Nashik

KOLHAPUR

Kolhapur

RATNAGIRI

Ratnagiri

(020) 30941375, 30941367 Akarshan Busiplex, 26, Central Bazar Road, Ramdaspeth, Nagpur, -Maharshatra. 440010 Thomas Paul 0712 - 2557074/ 2558744/ (0712) 3095333 3099559 0712 - 2540990 ICICI Bank Ltd Nahava House,Maharishi karve Road, -Marine Lines,Mumbai400002. Vijay raina [email protected] 022 - 22032615 ;9819247500 U-1, Crown Commercial Complex, Opp. Rajiv Gandhi Bhavan (NMC), Utility Centre, Sharanpur Road, Nashik. 422002 Jayant athalye 0253 - 2318755 Ground Floor, Vasant Plaza, Rajaram Road, Rajarampuri, Kolhapur. - 416001 Abhijit upendra Vanarase 0231 - 2529555 URL SQUARE,MAZGAON RD,NEAR MARUTI MANDIR, RATNAGIRI 415612, Shrikant kulkarni; [email protected]; 02352-271380 / 02352271403,404,407,408

ICICI Bank Branches in New Delhi Branch New Delhi Connaught Place New Delhi Greater Kailash City DELHI Address 9A, Phelps Building, Connaught Place, New Delhi.110001 W-57.Greater Kailash , Part-I, New Delhi.110048 Contact Udit Mohanty 011-2376 5201, 98118 58330 Bharti Dudeja 011-51630321-2301151632136

DELHI

Delhi - Preet Vihar DELHI

Sincere Towers IV, Community Centre, Preet Vihar, Delhi.110092 Plot No.13, Community Centre, New Friends Colony, New Delhi.110065 C-17, Local Shopping Centre, Paschimi Marg, Vasant Vihar, New Delhi.110057 H/2, Green Park Extension, New Delhi.110016 Mahatta Towers, 54, BBlock, Community Centre, Janakpuri, New Delhi.110058 Plot No. 5, Savitri Market, D P Block, L S C, Pitampura, New Delhi.110034 19 & 20 Central Market, West Avenue Road, Punjabi Bagh, New Delhi.110026 H-2, Model Town - III, New Delhi.110009

Vivek malhotra 011-22013356 011 - 22047639 / 22047617 / 20

New Delhi - New Friends Colony

DELHI

Anjali Khanna 011 - 26317488-89-90 011 - 26931722

New Delhi Vasant Vihar

DELHI

Aniruddha sen 011-51662839 02525-254746 / 254764

New Delhi - Green DELHI Park New Delhi Janakpuri

Rajiv Bhatnagar 011 - 26188173 / 526 / 703011 - 26184943 Kamal Sarin 011 - 25545993 - 96

DELHI

New Delhi Pitampura

DELHI

Vanisri Arunachalam 01127314553/58/68/1064 011-27315465

New Delhi Punjabi Bagh

DELHI

Samir pachauri 011-25226958 011-25226952-54, 25228955 Suman nagpal 011 - 27430721080 23369591 23369589; BOM DIR 23366222 Harinder Dhillon 01151764040,51664526 (BOM)011-51664525 Kapil trehan 011-51750827011 51750823-826 Umesh balani 011-5172422801151724223 - 25

New Delhi Model Town

DELHI

New Delhi - Saket DELHI

E-30, Saket, New Delhi.110017 N-138, PANCHSHEEL PARK, NEW DELHI110017 A-34, Lajpat Nagar-II, New Delhi110024 Utility Centre, 1st Floor, University Main gate, University Road, Delhi University, North Campus, Delhi.110007 New Delhi

New Delhi Panchsheel Park New Delhi Lajpat Nagar

DELHI

DELHI

Delhi University

DELHI

Ravinder negi 011 - 27662745011 27662709/10/11

Dwarka

DELHI

HL Square, Plot No 06,

Sector 5 (MLU), Dwarka, New Delhi - 110075 New Delhi Jorbagh New Delhi Paschim Vihar New Delhi Greater Kailash II New Delhi Shantinekatan New Delhi - Naya Bazaar New Delhi Safdarjung Enclave New Delhi Anand Vihar New Delhi Ashok Vihar DELHI 11 Jor Bagh Market, Delhi110003 B-368,Meera Bagh,Paschim Vihar-63110063 E - 568, Greater Kailash-II, New Delhi - 110048 ICICI Bank 2/33,SHANTINEKTAN, New Delhi 110021 110021 1ST FLOOR ,5186 NAYA BAZAAR , New Delhi110006Delhi ICICI Bank A 1/15, safdarjung Enclave, New Delhi 110029 ICICI Bank A-31, ANAND VIHAR BRANCH , KAKARDOOMA110092 Ruchi Bhatnagar 011 - 51851174/75NA 011 - 51851172 Sapna Mehra011 - 55390361011 55390361 Aarti Arora 011-55390371-74 011 - 55390371-74 Gurbir singh 011-51704063-66 011 - 51704062/61 Animesh Agrawal 011-55468542-4455468540 Basu Dev sinha 011-51654191-93 011 - 51654190 Rohit dhar 011-52427387-89/91 011 - 52427390

DELHI

DELHI

DELHI

DELHI

DELHI

DELHI

DELHI

ICICI Bank B-2/16 ASHOK Ajay jacob VIHAR II, 011-55379770-74 DELHI -52 1100052 011 - 55379775 ICICI Bank ICICI Bank Ltd, W - 2/6, Neeraj taneja 011-52482193/94/95 West Patel Nagar,New 011 - 52482192 Delhi - 110008110008 ICICI Bank 21/4674 , Ansari Road , Darya Ganj , Delhi110002 ICICI Bank E- 47 Naraina Vihar, 110028 110028 New Delhi Meenakshi chopra 011 - 51414905 08011 - 51414903 4B/5, Rajinder Nagar (Opp. Sir Ganga Ram Hospital), New Delhi 110060 Plot no. 6, Garg Trade Center, CC, Sector 11,Rohini, New Delhi-100 085 AM - 6, Shalimar Bagh - 110088 Hariom 011-51547801033 - 26663492

New Delhi - Patel Nagar

DELHI

New Delhi Daryaganj New Delhi Naraina Vihar New DelhiRajinder Nagar

DELHI

DELHI

DELHI

Sector 11, Rohini New Delhi Shalimar bagh

DELHI

Rohini

DELHI

New Delhi 2877, 1st Floor, Hardhyan

New Delhi - Karol DELHI

Bagh

Singh Road, Karol Bagh, New Delhi.110005 DELHI 1486, Chandni Chowk, Near Moti Cinema, Delhi.110006 J 12/18, RAJOURI GARDEN, NEW DELHI110027 Sakuntala Apartments, 59, Nehru Place, New Delhi.110019 1215, Bhadur Garh Road, Sadar Bazaar, New Delhi.110006 Sri Mamta Modern Senior Secondary School, H Block, Vikaspuri, New Delhi.110018 B-8, G-41, F-14 & F-8, L S C, DDA Market, Mayur Vihar, Pocket-1, Phase-1, Delhi.110091 Garg Plaza, 5 Community Centre, Sector 8, Rohini Delhi.110085 Shobhit Agrawal 011 - 23862344/2343/7325 Alok sarin 011 -25414790 011-51440285,51440281-84 25111621,650,671 Rajiv Bhatnagar 011 - 26433117 Girish Malhotra 011 - 23521981 /23556133 23514238 Brindha Trivedi 011 - 25522013 25618218/25572833011 - 25516789 Pramod dubey 011-22790426 011-22791198/22790425 22756973 Rahul krishnatrey 011 - 27941053 0120-2734268/2850324 2854371/2854372

Delhi - Chandni Chowk New Delhi Rajouri Garden New Delhi Nehru Place Delhi - Sadar Bazar

DELHI

DELHI

DELHI

New Delhi Vikaspuri

DELHI

Delhi - Mayur Vihar

DELHI

New Delhi Rohini

DELHI

New Delhi Defence Colony

DELHI

Taposh misra011-24330551 B-78, Defence Colony, New 011-24330502/ 24337679 Delhi.110024 51551113/51551114 B-1, Milap Nagar, Najafgarh Main Road, Uttam Nagar, New Delhi.110059 Naurang House , 21 K G Marg, New Delhi 110001 16/48, Malcha Marg, Chanakyapuri 110021 C-1/4, Janakpuri, New Delhi-110 058 Ramanathan 011- 25565403/ 011-25638604/25566963 25631240/25638745 Basu Dev sinha; [email protected]; 011-55417840;9899457229 Sunil malhotra; [email protected]; +91-11-51680131;+91-9811116881 Ms. Jyotsna Khanna([email protected]) BM's direct no.: (011) 41578368 Branch nos.:

New Delhi Uttam Nagar New Delhi Connaught Place II New Delhi Malcha Marg Janakpuri

DELHI

DELHI

DELHI DELHI

(011) 41574371 / 72 Telefax no.: (011) 41578368

ICICI Bank Branches in Tamilnadu

City CHENNAI

Branch

CHENNAI

COIMBATORE

ERODE

COIMBATORE

CHENNAI

CONTACT 1, Cenotaph Road, Chennai. Chennai - Cenotaph Ramdoss B 044 - 24364702 Road 07/24364709 110, Prakash Presidium, Uthamar Gandhi Salai, Chennai -(Nungambakkam High Road), Nungambakkam Chennai. 600034 Ramgopal V 044-2824 0240, 98404 16464 ICICI Bank Cheran Plaza, 1090, Trichy Road, Coimbatore - Trichy Coimbatore. 641018 Road Palanisamy balamurugan 0422 -5393393, 0422 5393090 Gobichettipalayam 97/212, Kutchery Street -Kutchery Street, Gobichettipalayam Gobichettipalayam, Erode District - 638452 ICICI Bank Premier Instruments and Controls Ltd., (PRICOL) Factory Premises, Mettupalayam Road, Coimbatore - Pricol Perianaickenpalayam, Coimbatore. 641020 Kathiresan s 0422 - 2694784/681/682 98942 33888 Annapurna, No.3, 17th Street (Next to Ganesh Mandali), Chennai -Nanganallur, Chennai. 600061 Nanganallur Kalyanaraman ramani 044 22311190 044 - 22311184 - 86

25, First Avenue , Ashok Nagar, Chennai 600083 Chennai Ashok CHENNAI Kumaraswamy Dandapani Nagar 044-52033780/81/82/83/90 044 -52033789 Delma Complex, Opp. CoShornur Road,operative Hospital, TIRUCHIRAPPALLI Thrissur (Trichur) Shornur Road, Thrissur. 680001 Kerala

Rate of interest on deposit to ICICI bank

Resident Indians : Interest rates* for deposits below Rs. 1.5 mn Savings Bank Account: 3.50% Domestic term deposits (General Category) : Interest rates (per cent per annum) Maturity Period Single Deposit of Less than Rs. 1.5 mn w.e.f. 11.05.2009 Single Deposit of Rs. 1.5 mn and above but less than Rs. 10.00 mn w.e.f. 11.05.2009 3.25% 3.25% 3.50% 3.50% 3.50% 4.50%

7 days to 14 days 15 days to 29 days 30 days to 45 days 46 days to 60 days 61 days to 89 days 90 days

N.A. 3.25% 3.50% 3.50% 3.50% 4.75%

91 days to 180 days 181 days to 189 days 190 days 191 days to 269 days 270 days to less than 1 year 1 year to 389 days 390 days 391 days to 589 days 590 days 591 days to less than 2 years 2 years to 989 days 990 days 991 days to less than 3 years 3 years to less than 4 years 4 years to less than 5 years 5 years upto 10 years

5.75% 6.75% 6.75% 6.75% 6.75% 7.50% 7.75% 7.50% 7.75% 7.50% 8.00% 8.25% 8.00% 8.00% 8.00% 8.25%

5.50% 6.75% 6.75% 6.75% 7.00% 7.50% 7.75% 7.50% 7.75% 7.50% 8.00% 8.25% 8.00% 8.00% 8.00% 8.25%

Interest Rates for Senior Citizens :Maturity Period Interest rates (per cent per annum)

Single Deposit of Less than Rs. 1.5 mn w.e.f. 11.05.2009

Single Deposit of Rs. 1.5 mn and above but less than Rs. 10.00 mn w.e.f. 11.05.2009 3.75% 3.75% 4.00% 4.00% 4.00% 5.00% 6.00% 7.25% 7.25% 7.25% 7.50% 8.00% 8.25% 8.00% 8.25% 8.00% 8.50% 8.75% 8.50% 8.50% 8.50% 8.75%

7 days to 14 days 15 days to 29 days 30 days to 45 days 46 days to 60 days 61 days to 89 days 90 days 91 days to 180 days 181 days to 189 days 190 days 191 days to 269 days 270 days to less than 1 year 1 year to 389 days 390 days 391 days to 589 days 590 days 591 days & above to less than 2 years 2 years to 989 days 990 days 991 days to less than 3 years 3 years to less than 4 years 4 years to less than 5 years 5 years upto 10 years

N.A. 3.75% 4.00% 4.00% 4.00% 5.25% 6.25% 7.25% 7.25% 7.25% 7.25% 8.00% 8.25% 8.00% 8.25% 8.00% 8.50% 8.75% 8.50% 8.50% 8.50% 8.75%

Various services offered by ICICI bank# Internet BankingICICIBank.com, our Internet Banking Service, is a convenient remote banking facility providing you with easy and secure access to your accounts. With just a PC connected to the Internet, you can have your account information at your fingertips, from anywhere in the world, anytime. So, if you don't want branch timings to restrict you, Internet Banking is just the service for you.

What's on Offer 1)Account Information 2) eCheques (Online Funds Transfer) 3) Bill Payment 4) Requests and intimations 5) Communication with your Account Manager 6) Customise ICICIBank.com 7) Disclaimer

1) Account Information

Provides you with a summary of all your bank accounts. Allows transaction tracking which enables retrieval of transaction details based on cheque number, transaction amount, date and so on. Provides account statement and transaction reports based on user defined criteria. You can even download and print the statement of account.

2) eCheques (Online Funds Transfer) You can transfer funds

between your own accounts to another ICICI Bank account any of the specified accounts with specified Banks

3) Bill Payment You can pay your bills (telephone, mobile, electricity, insurance premium, credit card, etc.) online.

4) Requests and intimations You can electronically submit a request for:

Cheque-book Stop payment instruction Quantum Optima - value added savings account Opening a fixed deposit Opening a recurring deposit Intimate us for loss of your ATM card Register ONLINE for phone banking and mobile commerce Cheque Status Online application for a Debit Card etc.

5) Communication with your Account Manager

The mail-box facility enables you to send secure mail to your account manager to find out the status of a request or for any clarifications.

6) Customise ICICIBank.com ICICIBank.com allows you to customise it according to your preferences. You can specify your viewing preferences, such as your primary account, date and amount formats. You can even set nicknames for your account(s) and use this option to change your password.

7) Disclaimer - Please note that the operations in your accounts with ICICI Bank and the Internet Banking service are subject to the relevant laws of India and not any other country. - All companies, products and service names, wherever they appear on this site, may be trademarks or service marks of their respective owners.

# Mobile banking

Credit Card With Mobile Banking, you can remain updated while you are on the move, without even making a phone call or a visit or logging on the Internet. ICICI Bank Mobile Banking for Credit Cards can be divided into two categories: Request facility Alert Facility Request Facility The ICICI Bank Mobile Banking Request facility enables you to check the following information for your Credit Card:

IBALCC - Details of your balance IRPCC - Reward points available for redemption ILPCC - Details of the last payment IPDDCC - Payment due date

For specific information on the formats to be used, please select as applicable from the following:

Via sms - all GSM users Menu-Based Airtel GPRS Vodafone GPRS Idea GPRS Reliance R-world

Alert Facility 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 the following events:

Due Date Reminder - You receive an alert five days prior to the due date. This would inform you the total and minimum amounts due and the the payment due date.

Condition for availing for home loan

ICICI offers you the most convenient home loan plans to suit your needs. With so many attractive features in every type of home loan we offer, creating the home you always wanted is no longer a distant dream. Some of our key benefits are:

Guidance through out the process Home loan amounts suited to your needs Home Loan tenure up to 20 years Simplified Documentation Doorstep Service Attractive interest rates Sanction approval without having selected a property. Free Personal Accident Insurance (Terms & Conditions) Insurance options for your home loan at attractive premium

Changes in Floating Reference Rate (FRR) Interest rate on ICICI Bank Home Loans is linked to the ICICI Bank Floating Reference Rate (FRR/PLR). ICICI Bank FRR has been reduced by 50 basis points (i.e. 0.50%) with effect from April 22, 2009. Thus the FRR has been reduced from 13.75% to 13.25%.

ICICI Bank PLR has also been reduced by 50 basis points (i.e. 0.50%) with effect from April 22,2009. Thus the PLR has changed from15.75% to 15.25%. Accordingly, the Home Loan floating rate of interest has been reduced by 0.5% (50 basis ponits).

Bank Name

Loan Eligibility 18 to 26

Interest Rate 9.75

EMI 18970.0

Processing Fee 0.5% of loan amount

Action

ICICI Bank

Fixed rates are fixed for the entire loan tenure.

Financial position of ICICI bank

Balance sheet Mar ' 08 Sources of funds Owner's fund Equity share capital Share application money Preference share capital Reserves & surplus Loan funds Secured loans Unsecured loans Total Uses of funds Fixed assets Gross block Less : revaluation reserve Less : accumulated depreciation Net block Capital work-in-progress Investments Net current assets Current assets, loans & advances Less : current liabilities & provisions Total net current assets Miscellaneous expenses not written Total Mar ' 07 Mar ' 06 Mar ' 05

(Rs crore) Mar ' 04

1,112.68 350.00 45,357.53 2,44,431.05 2,91,251.26

899.34 350.00 23,413.92 2,30,510.19 2,55,173.45

889.83 350.00 21,316.16 1,65,083.17 1,87,639.16

736.75 0.02 350.00 11,813.20 99,818.78 1,12,718.75

616.40 350.00 7,394.16 68,108.58 76,469.14

7,036.00 2,927.11 4,108.90 1,11,454.34 31,129.77 42,895.38 -11,765.62 1,03,797.62

6,298.56 2,375.14 3,923.42 189.66 91,257.84 23,551.85 38,228.64 -14,676.78 80,694.15

5,968.57 1,987.85 3,980.71 147.94 71,547.39 15,642.79 25,227.88 -9,585.09 66,090.96

5,525.65 1,487.61 4,038.04 96.30 50,487.35 11,115.99 21,396.16 -10,280.17 44,341.52

5,090.20 1,033.79 4,056.41 93.99 42,742.86 9,107.61 18,019.49 -8,911.89 37,981.38

Notes: Book value of unquoted investments Market value of quoted investments Contingent liabilities Number of equity sharesoutstanding (Lacs)

4,01,114.91 11126.87

1,99,771.41 8992.67

1,34,920.99 8898.24

1,07,311.46 7367.16

82,116.13 6130.21