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ICICI Bank

ICICI Bank
4.5

ICICI Bank has several branches both in India and abroad. It provides different financial services to its customers, including personal, private, corporate or business, and NRI banking. They also offer hassle-free customer service for all types of banking, including customer care lines, toll-free numbers, email assistance, and much more. ICICI Bank now has a network of 5,288 branches and 13,846 ATMs throughout India.

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Loans offered by ICICI Bank

ICICI Bank LoansInterest RateProcessing FeeLoan Amount/Tenure
Home Loan

8.85% - 9.1%

0.25%

₹3L - ₹75L

Tenure(5 - 30 Years)

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Personal Loan

10.75% - 19%

Up to 2.5%

₹50K - ₹25L

Tenure(1 - 6 Years)

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Loan Against Property

8.35% - 10.9%

Up to 1%

₹10L - ₹5Cr

Tenure(Up to 15 Years)

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Business Loan

Up to 17%

1% - 2%

₹1L - ₹40L

Tenure(1 - 7 Years)

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Benefits and Features of ICICI BANK

Being one of the most preferred banks in India, ICICI Bank offers many benefits on their products and services with several other features. These include:

  • Fast processing of loan amount with rapid loan sanction.
  • Multinational financial and banking services.
  • Provides numerous private-based insurances.
  • MSME-based loans.
  • Attractive loan interest rates.
  • Financial services for all the evolving needs of customers.

Overview of ICICI Bank

As of March 31, 2018, India's largest private sector bank was ICICI Bank, with total consolidated assets of Rs.11,242.81 billion. It was founded in 1955 under the World Bank's suggestion to develop a developed financial institution to provide medium and long-term project finance to Indian enterprises. In 1999, ICICI Bank became the first Indian firm and bank from Asia other than Japan to get listed on the New York Stock Exchange. ICICI Bank amalgamated with ICICI Personal Financial Services Limited and ICICI Capital Services Limited in October 2001.

ICICI Bank has several branches both in India and abroad. It provides different financial services to its customers, including personal, private, corporate or business, and NRI banking. They also offer hassle-free customer service for all types of banking, including customer care lines, toll-free numbers, email assistance, and much more. ICICI Bank now has a network of 5,288 branches and 13,846 ATMs throughout India.

The bank provides a comprehensive range of banking and financial services to corporate or retail customers through several distribution channels and group entities.

The ICICI Bank Board of Directors comprises distinguished professionals in international business, management consulting, banking, and financial sectors.

ICICI Bank is heavily involved in national human and economic development. The bank collaborates closely with the ICICI Foundation in various industries and activities.

Services Offered by ICICI Bank

There are a range of products and services offered by ICICI Bank. These products and services are divided into various financial categories mentioned below:

Deposit Account

  • Savings Account – To meet the demands of its clients, ICICI Bank offers nine different types of savings accounts. Customers may effortlessly carry out simple banking operations while also earning interest on their savings.
  • Current Account – ICICI Bank Current Accounts are designed to meet the needs of small and medium-sized businesses, as well as self-employed professionals. Customers can choose from three types of current accounts offered by the bank.

Loan

  • Home Loan – To address the needs of its customers, ICICI Bank provides home loans with higher eligibility and cheaper EMIs at competitive interest rates.
  • Personal Loan – ICICI Bank offers personal loans up to Rs.20 lakh with low-interest rates and a 7-year repayment period.
  • Two-wheeler Loan – To meet the customer's financial needs, ICICI Bank provides up to a 100% loan of the on-road price, a customised finance programme for luxury bikes, and low down-payment options.
  • Car Loan – ICICI Bank provides auto loans up to 100% of the vehicle's on-road price. ICICI Bank has partnered with all major vehicle manufacturers to offer the finest offers to its consumers.
  • Gold Loan – The bank offers gold loans ranging in value from Rs 10,000 to Rs 15 lakh, with an easy and painless application process.
  • Education Loan – For educational needs in India and abroad, ICICI Bank offers Rs education loans. 50 lakh and Rs. 1 crore, respectively.
  • Commercial Business Loan – Commercial vehicles, Construction Equipment, and other business loans are available from ICICI Bank to its customers.
  • Pradhan Mantri Mudra Yojana – Micro or small manufacturing and service firms can get a no-collateral loan of up to Rs.10 lakh from ICICI Bank.

Investments

  • Recurring Deposit – ICICI Bank offers recurring deposit options, which are observed to vary from 6 to 10 years. Investors can acquire a loan against such a recurring deposit with a reasonable rate of return.
  • Fixed Deposit – With ICICI Bank, you may get excellent interest rates and a loan against a fixed deposit. Customers may open an ICICI Bank Fixed Deposit account with a deposit of Rs.1000.

Banking

  • Mobile Banking – Customers may access their bank accounts with ICICI Bank mobile banking and from any location. Customers may check their account balance, transfer funds, and do various other things.
  • Net Banking – Account users may transfer cash, make a fixed deposit, get general insurance, pay utility bills, and much more using ICICI Bank's internet banking service.
  • Balance Inquiry – Account holders of ICICI Bank can check their account balance by utilising the missed call service, SMS Banking, a toll-free number, an ATM, a passbook, or visiting a bank office.
  • Customer Care – Account holders of ICICI Bank can contact the ICICI Bank toll-free customer service number to obtain information about various products and have their questions answered.

Cards

  • Debit Card – Customers of ICICI Bank can select from various debit cards based on their daily withdrawal requirements. These debit cards also provide benefits in various areas such as entertainment, travel, e-commerce, healthcare, and more.
  • Credit Card – ICICI Bank provides a selection of credit cards with various features and incentives to meet the demands of various sorts of clients. Customers may use it for shopping, entertainment, dining, and other activities to receive points and rebates.

ICICI BANK Corporate Office Details

Address

ICICI Bank Towers, Bandra-Kurla Complex, Mumbai 400051.

Phone Number: +91-22-33667777

Fax Number: +91-22-26531122

FAQs

From refinancing to reducing your interest, we have the answers right here.

How do I open a zero balance account in ICICI bank online?

You can open a zero balance ICICI account online by visiting the official ICICI website and clicking on the ‘Savings’ tab on the homepage. Just enter a few details about yourself, complete your KYC process and you’re all set.

How do I login to ICICI Bank net banking?

Given below are the steps to login to ICICI net banking:

  • Visit the official ICICI net banking portal.
  • Enter your username and password.
  • Click on the ‘Login’ button to access the account.

What is the ICICI Bank IFSC code?

In the ICICI bank IFSC code, the first four characters will be ICIC, and the last 6 characters will represent the branch code.

How to get my account number in ICICI bank if I forgot?

You can know all your ICICI Bank account details by giving a missed call on 9594612612. Alternatively, you can also know the details by sending an SMS to 9594612612.

What is the minimum limit in ICICI Bank?

The minimum monthly balance requirement for a regular savings account in ICICI Bank in urban locations is Rs. 10,000 and Rs. 5,000 for semi urban locations.

How many transactions are free in ICICI Bank?

ICICI Bank offers five free cash transactions per month. Post the first five, the user will be charged Rs. 20 per every financial transaction and Rs. 8.50 per non-financial transaction.

How much can I deposit in ICICI Bank?

The maximum amount inclusive of both home and non-home transactions that can be deposited in an ICICI Bank account is Rs. 2 lakhs.

How many types of accounts are there in ICICI Bank?

ICICI Bank offers around 10 feature rich savings account options for its customers.

What are the benefits of ICICI Bank?

Some of the benefits offered by ICICI Bank include Visa Benefits, Airport Lounge Access, INOX, Book My Show offers, Chip and PIN security and Fuel Savings.

How can I get MPIN of ICICI Bank?

Open the ICICI Bank netbanking app on your mobile. On the homepage of the app, click on ‘Forgot MPIN’. Click on ‘Yes’ to reactivate the account. Now you will have to redo the registration process by entering your username and password and create a new MPIN.

What is ICICI Bank SWIFT code in India?

The ICICI Bank SWIFT code for NRI remittances is ICICINBBNRI.

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