CORPORATE INTRODUCTORY

PROJECT
REPORT
ON
ICICI BANK

BY

NAME: Jayanta Kumar Das

COURCE:
MBA
SAMISTAR: 2nd Semester
ROLL No: 16
SECTION:
Banking and Insurance

INTERNATIONAL INSTITUTE OF BUSINESS STUDIES

KHB MAINGATE, R.T.NAGAR POST, BANGALORE-560 032
2008-2009
Logo of ICICI bank
Address of the head office of ICICI bank

Address: 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

Srinivasan’s 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 bank

ICICI 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 tie-
ups 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 CONTACT

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

ICICI Bank Branches in Bihar

City Branch 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
anand.halwasia@icicibank.com 0621
ICICI Bank Branches in Gujarat

City Branch 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-In- Ahmedabad. 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
 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
(anthony.esthakku@icicibank.com)
(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 ;sameer.chaubal@icicibank.com
02762-232205 ;9825063665
GROUND FLOOR, STHAPNA COMPLEX, OPP
GHB COMPLEX,
ANKUR ROAD, NARANPURA, AHMEDABAD.
Ahmedabad -
AHMEDABAD 380013
Naranpura
Maulika chandramouli
maulika.chandramouli@icicibank.com
079 - 27490144 ;9825100611
Siddachal Hospital Road, Bhuj, Gujarat.
370001
BHUJ Bhuj Ranjitkumar v
p.ranjitkumar@icicibank.com;
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 Branch 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
Bangalore- No 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
 Praveen Anchan 0824 - 2442505 -
2442508
No:117,Koramangala Industrial Layout,VII
Bangalore -Block,
BANGALORE
Koramangala Bangalore
Uday S 080-51104980/1/8
80-7, Elephant Rock Road, 3rd Block,
Jayanagar, Bangalore. 560011
Bangalore -
BANGALORE Gayathri vasudevan
Jayanagar
080- 57653628 080 - 26643500/26649999
26349738/26349739
Kasturba Hospital Complex, Main Road,
UDUPI Manipal Manipal, Udupi District, Karnataka. -
576104
No.95/1, 11th Cross, 4th Main,
Malleswaram,
Bangalore -
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,
BANGALORE Bidadi
Bangalore Rural District. 562109
Kannan S 080 - 7287184 - 86
7287189 080 - 7287187
Travellers
HUBLI- Eureka Junction, Travellers Bungalow Road,
Bunglow Road,
DHARWAD Hubli - 580029, Karnataka
Hubli
No.1740, 17th Cross, Vijayanagar,
Bangalore -Bangalore. 560040
BANGALORE
Vijayanagar Nikhilesh melkote
080 - 23112055 080 - 23112052 / 53
Salarpuria House, # 496, CMH Road,
Indira Nagar. 560038
Bangalore -
BANGALORE Narasimha manja
Indira Nagar
080 - 25203077 080 - 25202517/
25202717
Rao Saheb A.C.K.Complex, Near Jubilee
P.B. Road,
DHARWAD Circle,
Dharwad
P. B. Road, Dharwad. 580001 Karnataka
# 5, P & T Colony, R.T.Nagar Main Road,
Bangalore - RR T Nagar 560094
BANGALORE
T Nagar Sudheer B N V 080 - 5124 4521-26
NA 080 - 5124 4528
BANGALORE Safal-CIBD- MOTHER DAIRY FOODS PROCESSING LTD.,
RMAG UNIT:SAFAL FRUIT & VEGETABLES
AUCTION MARKET,
POST BAG NO 6714, SY NO.99, VILLAGE
KHAJISONENAHALLI,
 WHITEFIELD – HOSKOTE ROAD,
BANGALORE SOUTH TALUK, BANGALORE.
Hemang amul Desai 080-28456178
No.509, 8th Cross, West of Kanakapura
Bangalore -Road,
BANGALORE 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 -
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 -
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
BANGALORE Yeshwantpur -
Hemang Amul Desai
CIBD
080 - 51277271/72 080 - 51535598
1693 A-32, Dr Rajkumar Road, Rajajinagar,
Bangalore -Bangalore 560010
BANGALORE
Rajajinagar Santosh Rao
080-51277451 - 54 080 - 51277450
#802,Essar plaza,7th Cross, BTM 2nd
Bangalore -Stage,
BANGALORE BTM 2ndBangalore 560076
Stage Brahma Mahesh S. Khaderbad
080 - 51311863 080 - 51311861
4M -417, 80 feet Road, HRBR III Block,
Kalyana Nagar,
Bangalore -
BANGALORE Kammanhalli, Banhgalore – 560 043
HRBR Layout
Anish Kumar
080 - 55302646 / 48 080 – 55302651
148/75-1, 26TH MAIN ROAD, JAYANGAR
Bangalore -9TH BLOCK,
BANGALORE Jayanagar 9thBANGALORE 560069
Block Govardhan Shetty K
080 - 51301862/3/4/5 080 - 51301861
Shimoga - CIBD
Park
VASAVI LODGE COMPLEX, PARK
SHIMOGA Extension,
EXTENSION,
Shimoga
SHIMOGA - 577201
BANGALORE Bangalore - N100/1, Narasimha Raja Road, Opp. Town
R Road Hall,
Bangalore. 560002
Prasad S K V
 080 - 5132 4923 / 24 / 25 / 26 51131877
080 - 5132 4930
125/1, Dispensary Road, Cantonment,
Bangalore. 560001
Bangalore -
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
BANGALORE
Kumara Park Meena Herle
080 - 51512041/42 /43 080-51138321
080 - 51512045
132, Bull Temple Road, Chamarajpet,
Bangalore. 560018
Bangalore -
BANGALORE Annamalai K 080 - 26521923 / 26506493 /
Chamarajpet
26616380
080 -26616379
# 34/2.3.4, Ramavilasa Road, Mysore -
MYSORE Mysore Main
570024
No. 420, 27th Main, Sector I, HSR Layout,
HSR Layout,Bangalore - 560034. (Karnataka)
BANGALORE
Bangalore Mr.Jyotirmaya Mohanty
080-57763152/53/54/55/56

ICICI Bank Branches in Kerala

City Branch 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, Kollam-
691001. - 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 -
 ICICI Bank Branches in Maharashtra

City Branch 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
 Galleria Shopping Mall, Hiranandani
Gardens,
Powai, Mumbai. 400076
MUMBAI Mumbai - Powai
Geeta salian
022 - 25797345 022 -
25704846/25701595
Vimal Shopping Centre, Main Road,
Near Post Office
Vasai Road (W). 401202
THANE 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
MUMBAI
Ghatkopar Farokh Adarian 022 -
25149103/25149271-72
(022) - 30932961, 30906750 022 -
30932961
Porwal Complex, Shop No. 13, Dr B.R.
Ambedkar Road,
Thane -
THANE Bhayandar (W), Thane. 401101
Bhayander
Mridula samant 022 - 8184545
022 - 8184543 / 8193665
167-C, Poonawadi, Dr. Ambedkar Road,
Dadar,
Mumbai -
MUMBAI Mumbai. 400014
Dadar
Sudhakar n 022 - 24113639
022 - 24116203 / 24116205
Palm Court, Ram Maruti Road,
Naupada, Thane (W).
THANE Thane
Shridhar kulkarni
022 - 25386202 - 03 / 25452219 / 30
Maratha Mandir Annex, Dr. Anand Rao
Mumbai - I-ServNair Road,
MUMBAI
- Extn. Opp. Mumbai Central Station, Mumbai.
Salim sakarlal Khimani 022 - 23016181
Plot No.206-221,KRYSTAL
Bldg,Waterfield Road,
Mumbai -
MUMBAI Bandra(west),Mumbai 400050
Bandra
Swaminathan p V 022-6405408 022-
26405412/26405435
PUNE Pune -ICICI Bank 1240-A, Subhadra Bhavan,
Shivajinagar Apte Road,
Shivaji Nagar, Pune. 411004
Aashish V Chaturvedi
020 - 25512833 - 35 (020) 30941376,
 30942636
1st Floor, Vaibhav Commercial
Mubaraki RoadComplex,
DAHANU
Dahanu H.K. Mubaraki Road, Dahanu. -
401602
ICICI Bank Plot No. 11, Zone II,
Alankar Palace Near Pragati Petrol
Pump,
PUNE Bhopal
M. P. Nagar, Bhopal. 462011
Nalin punera 0755 - 5226979 - 80
5283120 0755 - 3096193
Gr. Flr., Kala Academy, Ravindra Natya
Mandir,
Mumbai -
MUMBAI Prabhadevi, Mumbai. 400028
Prabhadevi
Maneesh Ajmani
022 - 24210589/90/91
Vishnu Vaibhav, 222, Palm Road, Civil
Lines,
Nagpur - CivilNagpur. 440001
NAGPUR
Lines Ashish Oke
0712 - 2540297 / 5614040 / 2540014
2540294 / 2540302
Ground Floor, Shivprasad Commercial
Mahim Road -Complex,
PALGHAR
Palghar Mahim Road, Palghar - 401 404. -
401404
1st Floor, Jagdish Enclave, Boisar-
Boisar-Tarapur
BOISAR Tarapur Road,
Road Boisar
Boisar. - 401501
ICICI Bank Gulmohar Park, Plot 1 A, ITI
Road, Aundh, Pune - 411 007.
PUNE Pune - Aundh Ravindra Jambhale
020 - 25890902 / 03, 020-
30945336/7
ICICI Bank Krishnakeval Commercial
Complex, Main Kondhwa Road,
Pune -Kondhwa, Pune. 411048
PUNE
Kondhwa Rahul Mone 020 - 26834115
17/26830137 (020) 30942916,
30941439
P-78, MIDC Residential Area, Next to
Mamta Hospital, MIDC phase-II,
Thane -
THANE Dombivli (E), Thane District. 421203
Dombivali
Digambar pralhad Kocharekar
0251 - 2440450 040 27178695/78
MUMBAI Mumbai - Vashi Ground Floor, Arti, Shivaji Chowk,
Sector 2,
Vashi, Navi Mumbai. 400703
Vinod Shirke
 022 - 27824136 / 27824178
Shivam Shopping Centre, S.V.Road,
Opp. New Era Cinema,
Malad (W), Mumbai. 400064
MUMBAI Mumbai - Malad
Rajdeep gajanan Godkar
022 - 2888 2588 022 - 28824940/
2883 6885
Shop No. 10 - 18, Sai Plaza, Near
NASHIK Nashik Road BYTCO College,
Poona Road, Nashik Road. - 422101
Solapur - Gulmohar Complex
Mahveer Chowk,Ground Floor, Beskar Tower,
SOLAPUR
Solapur Mahaveer Chowk, Solapur,
Maharashtra. - 413001
Guru Gobind House, Opp. Purnima
Theatre, Murbad Road,
Kalyan West, Thane. 421301
THANE Thane - Kalyan
Mahesh dixit
95251-2322255 0251 - 2437953 / 54
2420831 /2453170/2457345
Ground Floor, Indraprastha, Opposite
Premnarayan Indernarayan Chowk
Mumbai -Linking Road, Santacruz West,
MUMBAI
Santacruz Mumbai. 400054
Asheesh choukse 022 - 3090 6747
011 - 27436139 / 27435169
Kadamgiri Complex, Hanuman Road,
Vile Parle East,
Mumbai - Vile
MUMBAI Mumbai. 400057
Parle
Thekanath chacko .26182425
95251-2322306
Vyapar Bhavan,APMC Grain Market,
MUMBAI Vashi APMC Phase II,Sector 19,Vashi
Saurabh khanna 022-27880840
Shop No.18, Block No. 2, Dhanya
Bazaar,
KALAMNA -
NAGPUR Pt. Jawaharlal Nehru Market Yard,
NAGPUR APMC
Kalamna, Nagpur.
Nikhil kowale 0712 - 5631751
226/230, Giriraj, Opp. TBZ, Zaveri
Bazaar,
Mumbai - Zaveri
MUMBAI mumbai - 400 002 400002
Bazaar
Vikas aggarwal
022 - 22426539 0141- 5103553
Samarth Vaibhav, Off k.W.Marg,
Lokhandwala Complex,
Mumbai -
MUMBAI Oshivara, Andheri (W) 400053
Lokhandwala
Sanjay Kapse
022 - 26347518-20 NA 022- 26347521
 Aangan ,opp thakur cinema, thakur
village ,
Mumbai -
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
THANE
Nagar Rajesh Manohar Kadam
022 - 25889882 39534063 022 -
39534064
ICICI Bank Limited,Shagun Mall,Film
City Road,
Mumbai -Goregaon (E) 400063
MUMBAI
Goregaon East Sarita Nair
022-28412519/3518/3712 022 -
28413587
ICICI Bank Zehra Manzil,91, Lady
Jamshedji Road,
Next to Paradise Cinema, Mahim
Mumbai -
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 -
MUMBAI Pune Highway, Chinchwad,
Chinchwad
Pune - 411019
Ravindra Kulkarni
020 - 56142930
ICICI Bank Elmac House, Lower Parel,
Mumbai - LowerMumbai 400 013 400013
MUMBAI
Parel Pramila bertha Vaz
022 - 24970783 022 - 24971049
ICICI Bank Neel avenue,plot no
5,sector 19,
panvel matheran road,New Panvel-
PANVEL Panvel
410206 410206
Satish muley
022 - 27482027 022 - 27482027
ICICI Bank Somshank
Chambers,Survey No. 46,
Pune - SataraPlot - 1,Pune - Satara Road,Pune -
PUNE
Road 411009.(Maharashtra)
Umed Madhamshettiwar
020 - 56096302/03/04 Na
PUNE 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-MIRAJ-
Sangli 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
(pankaj.adurkar@icicibank.com)
(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 (rupal.dalal@icicibank.com)
(022) 23525972
(022) 23525973/74/75

Navsari Building, 240, D.N.Road, Fort,

Mumbai.
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 -
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,
MUMBAI
Chembur Chembur (East) Mumbai -
400071 400071
Paresh Tavargiri
022-30932736 022 - 22426203/3741
PUNE Pune -ICICI Bank 796-B, Bhandarkar Institute
Bhandarkar Road, Deccan Gymkhana,
Road Pune. 411004
Manish Misri
020 - 2567 6462 / 63 / 2566 1170
 (020) 30941375, 30941367
Akarshan Busiplex, 26, Central Bazar
Road,
Ramdaspeth, Nagpur,
Nagpur -Maharshatra. 440010
NAGPUR
Ramdaspeth Thomas Paul
0712 - 2557074/ 2558744/ (0712)
3095333
3099559 0712 - 2540990
ICICI Bank Ltd Nahava House,Maharishi
karve Road,
Mumbai -Marine Lines,Mumbai- 400002.
MUMBAI
Marine Lines Vijay raina
vijay.raina@icicibank.com
022 - 22032615 ;9819247500
U-1, Crown Commercial Complex, Opp.
Rajiv Gandhi Bhavan (NMC),
Utility Centre, Sharanpur Road, Nashik.
NASHIK Nashik
- 422002
Jayant athalye
0253 - 2318755
Ground Floor, Vasant Plaza, Rajaram
Road,
KOLHAPUR Kolhapur Rajarampuri, Kolhapur. - 416001
Abhijit upendra Vanarase
0231 - 2529555
URL SQUARE,MAZGAON RD,NEAR
MARUTI MANDIR,
RATNAGIRI 415612,
RATNAGIRI Ratnagiri Shrikant kulkarni;
shrikant.kulkarni@icicibank.com;
02352-271380 / 02352-
271403,404,407,408

ICICI Bank Branches in New Delhi

Branch City Address Contact
9A, Phelps Building,
New Delhi - Udit Mohanty
DELHI Connaught Place,
Connaught Place 011-2376 5201, 98118 58330
New Delhi.110001
New Delhi - W-57.Greater Kailash , Bharti Dudeja 011-51630321-23011-
DELHI
Greater Kailash Part-I, New Delhi.110048 51632136
 Sincere Towers IV,
Vivek malhotra 011-22013356
Delhi - Preet Vihar DELHI Community Centre,
011 - 22047639 / 22047617 / 20
Preet Vihar, Delhi.110092
Plot No.13, Community
New Delhi - New Centre, Anjali Khanna 011 - 26317488-89-90
DELHI
Friends Colony New Friends Colony, New 011 - 26931722
Delhi.110065
C-17, Local Shopping
Centre,
New Delhi - Aniruddha sen 011-51662839
DELHI Paschimi Marg, Vasant
Vasant Vihar 02525-254746 / 254764
Vihar,
New Delhi.110057
New Delhi - Green H/2, Green Park Extension, Rajiv Bhatnagar 011 - 26188173 / 526 /
DELHI
Park New Delhi.110016 703011 - 26184943
Mahatta Towers, 54, B-
New Delhi - Block, Community Centre, Kamal Sarin
DELHI
Janakpuri Janakpuri, New 011 - 25545993 - 96
Delhi.110058
Plot No. 5, Savitri Market,
Vanisri Arunachalam 011-
New Delhi - D P Block,
DELHI 27314553/58/68/1064
Pitampura L S C, Pitampura, New
011-27315465
Delhi.110034
19 & 20 Central Market,
New Delhi - West Avenue Road, Samir pachauri 011-25226958
DELHI
Punjabi Bagh Punjabi Bagh, New 011-25226952-54, 25228955
Delhi.110026
Suman nagpal 011 - 27430721080 -
New Delhi - H-2, Model Town - III, 23369591
DELHI
Model Town New Delhi.110009 23369589;
BOM DIR 23366222
Harinder Dhillon 011-
E-30, Saket, New
New Delhi - Saket DELHI 51764040,51664526
Delhi.110017
(BOM)011-51664525
N-138, PANCHSHEEL Kapil trehan
New Delhi -
DELHI PARK, NEW 011-51750827011
Panchsheel Park
DELHI110017 51750823-826
Umesh balani
New Delhi - A-34, Lajpat Nagar-II, New
DELHI 011-51724228011-
Lajpat Nagar Delhi110024
51724223 - 25
Utility Centre, 1st Floor,
University Main gate,
Ravinder negi
University Road, Delhi
Delhi University DELHI 011 - 27662745011 -
University,
27662709/10/11
North Campus,
Delhi.110007
Dwarka DELHI New Delhi HL Square, Plot No 06,
 Sector 5 (MLU),
Dwarka, New Delhi - 110075
Ruchi Bhatnagar
New Delhi - 11 Jor Bagh Market,
DELHI 011 - 51851174/75NA
Jorbagh Delhi110003
011 - 51851172
New Delhi - B-368,Meera Bagh,Paschim Sapna Mehra011 - 55390361011 -
DELHI
Paschim Vihar Vihar-63110063 55390361
New Delhi - Aarti Arora
E - 568, Greater Kailash-II,
Greater Kailash - DELHI 011-55390371-74
New Delhi - 110048
II 011 - 55390371-74
ICICI Bank
New Delhi - Gurbir singh 011-51704063-66
DELHI 2/33,SHANTINEKTAN,
Shantinekatan 011 - 51704062/61
New Delhi 110021 110021
1ST FLOOR ,5186 NAYA
New Delhi - Naya Animesh Agrawal
DELHI BAZAAR ,
Bazaar 011-55468542-4455468540
New Delhi110006Delhi
New Delhi - ICICI Bank A 1/15, Basu Dev sinha
Safdarjung DELHI safdarjung Enclave, 011-51654191-93
Enclave New Delhi 110029 011 - 51654190
ICICI Bank A-31, ANAND Rohit dhar
New Delhi -
DELHI VIHAR BRANCH , 011-52427387-89/91
Anand Vihar
KAKARDOOMA110092 011 - 52427390
ICICI Bank B-2/16 ASHOK Ajay jacob
New Delhi -
DELHI VIHAR II, 011-55379770-74
Ashok Vihar
DELHI -52 1100052 011 - 55379775
ICICI Bank ICICI Bank Ltd,
New Delhi - Patel W - 2/6, Neeraj taneja 011-52482193/94/95
DELHI
Nagar West Patel Nagar,New 011 - 52482192
Delhi - 110008110008
ICICI Bank 21/4674 ,
New Delhi -
DELHI Ansari Road ,
Daryaganj
Darya Ganj , Delhi110002
ICICI Bank E- 47 Naraina
New Delhi - Meenakshi chopra 011 - 51414905
DELHI Vihar,
Naraina Vihar 08011 - 51414903
110028 110028
4B/5, Rajinder Nagar
New Delhi-
DELHI New Delhi (Opp. Sir Ganga Ram Hospital),
Rajinder Nagar
New Delhi 110060
Plot no. 6, Garg Trade Center,
Sector 11, Rohini DELHI Rohini CC, Sector 11,Rohini,
New Delhi-100 085
New Delhi -
DELHI New Delhi AM - 6, Shalimar Bagh - 110088
Shalimar bagh
New Delhi - Karol DELHI 2877, 1st Floor, Hardhyan Hariom 011-51547801033 - 26663492
 Singh Road,
Bagh Karol Bagh, New
Delhi.110005
1486, Chandni Chowk,
Delhi - Chandni Shobhit Agrawal
DELHI Near Moti Cinema,
Chowk 011 - 23862344/2343/7325
Delhi.110006
J 12/18, RAJOURI Alok sarin 011 -25414790
New Delhi -
DELHI GARDEN, NEW 011-51440285,51440281-84
Rajouri Garden
DELHI110027 25111621,650,671
Sakuntala Apartments, 59,
New Delhi - Rajiv Bhatnagar
DELHI Nehru Place, New
Nehru Place 011 - 26433117
Delhi.110019
1215, Bhadur Garh Road, Girish Malhotra
Delhi - Sadar
DELHI Sadar Bazaar, New 011 - 23521981 /23556133
Bazar
Delhi.110006 23514238
Sri Mamta Modern Senior
Brindha Trivedi
New Delhi - Secondary School,
DELHI 011 - 25522013
Vikaspuri H Block, Vikaspuri, New
25618218/25572833011 - 25516789
Delhi.110018
B-8, G-41, F-14 & F-8, L S
Pramod dubey 011-22790426
Delhi - Mayur C, DDA Market,
DELHI 011-22791198/22790425
Vihar Mayur Vihar, Pocket-1,
22756973
Phase-1, Delhi.110091
Garg Plaza, 5 Community
Rahul krishnatrey 011 - 27941053
New Delhi - Centre,
DELHI 0120-2734268/2850324
Rohini Sector 8, Rohini
2854371/2854372
Delhi.110085
Taposh misra011-24330551
New Delhi - B-78, Defence Colony, New
DELHI 011-24330502/ 24337679
Defence Colony Delhi.110024
51551113/51551114
B-1, Milap Nagar,
Ramanathan 011- 25565403/
New Delhi - Najafgarh Main Road,
DELHI 011-25638604/25566963
Uttam Nagar Uttam Nagar, New
25631240/25638745
Delhi.110059
New Delhi - Basu Dev sinha;
Naurang House , 21 K G
Connaught Place - DELHI basu.sinha@icicibank.com;
Marg, New Delhi 110001
II 011-55417840;9899457229
Sunil malhotra;
New Delhi - 16/48, Malcha Marg,
DELHI sunil.malhotra@icicibank.com;
Malcha Marg Chanakyapuri 110021
+91-11-51680131;+91-9811116881
Janakpuri DELHI C-1/4, Janakpuri, Ms. Jyotsna
New Delhi-110 058 Khanna(jyotsna.khanna@icicibank.-
com)
BM's direct no.:
(011) 41578368
Branch nos.:
 (011) 41574371 / 72
Telefax no.:
(011) 41578368

ICICI Bank Branches in Tamilnadu

City Branch CONTACT

1, Cenotaph Road, Chennai.
Chennai - Cenotaph
CHENNAI Ramdoss B 044 - 24364702 -
Road
07/24364709
110, Prakash Presidium,
Uthamar Gandhi Salai,
Chennai -(Nungambakkam High Road),
CHENNAI
Nungambakkam Chennai. 600034
Ramgopal V
044-2824 0240, 98404 16464
ICICI Bank Cheran Plaza, 1090,
Trichy Road,
Coimbatore - Trichy
COIMBATORE Coimbatore. 641018
Road
Palanisamy balamurugan
0422 -5393393, 0422 5393090
Gobichettipalayam 97/212,
Kutchery Street -Kutchery Street,
ERODE
Gobichettipalayam Gobichettipalayam, Erode
District - 638452
ICICI Bank Premier Instruments
and Controls Ltd.,
(PRICOL) Factory Premises,
Mettupalayam Road,
COIMBATORE 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
CHENNAI
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. Co-
Shornur 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. Single Deposit of Rs. 1.5 mn
1.5 mn and above but less than Rs.
w.e.f. 11.05.2009 10.00 mn
w.e.f. 11.05.2009

7 days to 14 days N.A. 3.25%

15 days to 29 days 3.25% 3.25%

30 days to 45 days 3.50% 3.50%

46 days to 60 days 3.50% 3.50%

61 days to 89 days 3.50% 3.50%

90 days 4.75% 4.50%

91 days to 180 days 5.75% 5.50%

181 days to 189 days 6.75% 6.75%

190 days 6.75% 6.75%

191 days to 269 days 6.75% 6.75%

270 days to less than 1 year 6.75% 7.00%

1 year to 389 days 7.50% 7.50%

390 days 7.75% 7.75%

391 days to 589 days 7.50% 7.50%

590 days 7.75% 7.75%

591 days to less than 2 years 7.50% 7.50%

2 years to 989 days 8.00% 8.00%

990 days 8.25% 8.25%

991 days to less than 3 years 8.00% 8.00%

3 years to less than 4 years 8.00% 8.00%

4 years to less than 5 years 8.00% 8.00%

5 years upto 10 years 8.25% 8.25%

Interest Rates for Senior Citizens :

Maturity Period Interest rates (per cent per annum)

 Single Deposit of Less than Single Deposit of Rs. 1.5 mn and
Rs. 1.5 mn w.e.f. 11.05.2009 above but less than Rs. 10.00 mn
w.e.f. 11.05.2009

7 days to 14 days N.A. 3.75%

15 days to 29 days 3.75% 3.75%

30 days to 45 days 4.00% 4.00%

46 days to 60 days 4.00% 4.00%

61 days to 89 days 4.00% 4.00%

90 days 5.25% 5.00%

91 days to 180 days 6.25% 6.00%

181 days to 189 days 7.25% 7.25%

190 days 7.25% 7.25%

191 days to 269 days 7.25% 7.25%

270 days to less than 1 year 7.25% 7.50%

1 year to 389 days 8.00% 8.00%

390 days 8.25% 8.25%

391 days to 589 days 8.00% 8.00%

590 days 8.25% 8.25%

591 days & above to less than 2

8.00% 8.00%
years

2 years to 989 days 8.50% 8.50%

990 days 8.75% 8.75%

991 days to less than 3 years 8.50% 8.50%

3 years to less than 4 years 8.50% 8.50%

4 years to less than 5 years 8.50% 8.50%

5 years upto 10 years 8.75% 8.75%

Various services offered by ICICI bank

# Internet Banking

ICICIBank.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 Interest Rate EMI Processing Fee Action

18 to 26 9.75 18970.0 0.5% of loan amount

ICICI Bank

Fixed rates are fixed for the entire loan tenure.

Financial position of ICICI bank

Balance sheet (Rs crore)

Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05 Mar ' 04
Sources of funds
Owner's fund
Equity share capital 1,112.68 899.34 889.83 736.75 616.40
Share application money - - - 0.02 -
Preference share capital 350.00 350.00 350.00 350.00 350.00
Reserves & surplus 45,357.53 23,413.92 21,316.16 11,813.20 7,394.16
Loan funds
Secured loans - - - - -
Unsecured loans 2,44,431.05 2,30,510.19 1,65,083.17 99,818.78 68,108.58
Total 2,91,251.26 2,55,173.45 1,87,639.16 1,12,718.75 76,469.14
Uses of funds
Fixed assets
Gross block 7,036.00 6,298.56 5,968.57 5,525.65 5,090.20
Less : revaluation reserve - - - - -
Less : accumulated depreciation 2,927.11 2,375.14 1,987.85 1,487.61 1,033.79
Net block 4,108.90 3,923.42 3,980.71 4,038.04 4,056.41
Capital work-in-progress - 189.66 147.94 96.30 93.99
Investments 1,11,454.34 91,257.84 71,547.39 50,487.35 42,742.86
Net current assets
Current assets, loans & advances 31,129.77 23,551.85 15,642.79 11,115.99 9,107.61
Less : current liabilities & provisions 42,895.38 38,228.64 25,227.88 21,396.16 18,019.49
Total net current assets -11,765.62 -14,676.78 -9,585.09 -10,280.17 -8,911.89
Miscellaneous expenses not written - - - - -
Total 1,03,797.62 80,694.15 66,090.96 44,341.52 37,981.38
Notes:
Book value of unquoted investments - - - - -
Market value of quoted investments - - - - -
Contingent liabilities 4,01,114.91 1,99,771.41 1,34,920.99 1,07,311.46 82,116.13
Number of equity sharesoutstanding (Lacs) 11126.87 8992.67 8898.24 7367.16 6130.21