Current Accounts & ServicesYour business has unique requirements. At ICICI Bank, you will find the ideal bank account that takes care of all your cashflow and banking needs. Whether your business is local or national, starting up or scaling up, ICICI Bank's business services and banking facilities keep you on top of your business, round the clock, all the time.

Roaming Current AccountICICI's Roaming Current Account (RCA) simplifies banking by offering smooth and seamless transactions. RCA travels the distance with your business and helps effect lucrative business relationships. RCA brings with it the concept of 'Anytime Anywhere' banking enabling you to operate your RCA from any of our 2000 + branches in more than 500 cities across India.

Recognising the fact that every business has particular requirements, a range of variants are available under the branch of RCA to suit varying needs. The choice of variants is based on committed Monthly Average Balance; different charges are applied to each variant. It is also possible to change your current variant every month in response to changing needs. Facilities like Doorstep Banking, International Business Banking Debit Card, Corporate Internet Banking, Phone Banking, E-mail Banking and Mobile Banking are available to RCA holders. The following features are also available with all variants: - Multi City Cheques/Local City Cheques - Unlimited Withdrawal and Deposit - Unlimited Cheque book - Demand Drafts and Pay-orders - Funds Transfers - Collection of Cheques/DraftsBenefits Chose an account type that suits your business from the variants available. - Cheque issued from your RCA may be encashed at over 500 centres across India. - Operate your RCA at any of ICICI Bank's 1500 branches. - Allows your customer to deposit cheques into your account from the ICICI bank branch close to him; speedy reflection of deposited cheque in your account. - Call Corporate Care (number) for any queries or requests on your account. - Click on 'Corporate Login' atwww.icicibank.com and carry out all your banking transactions from your desk. Choose the account that's right for you.

StandardICICI Bank's Standard Roaming Current Account is the most economical banking which comes for a Monthly Average Balance (MAB) of as low as Rs.10,000/-. At ICICI Bank, we have account variants for one and all with the maximum benefits.

This account comes with host of facilities, few of them are as follows:Free Payment & Collection through NEFT & RTGSFree Local Cheque Collection at Base location (Intra-city)Free up to Rs. 1 lacs per month cash deposit at base branch locationFree Internet Banking and Phone Banking servicesFree Non-Cash payment services* upto 10 lacs per monthMobile Alerts at a minimal costFree Non-Cash Collection services**

* Demand Drafts, Pay Order, Multicity cheque payments**Local Cheque collection Non base & Upcountry Cheque Collections

Please refer the Schedule of Charges (Roaming Current Account) for detailed information.

Revision in number of cheque leaves for Standard - Current Account

ClassicICICI Bank's Classic Current account gives you a wide range of facilities with an MAB of Rs. 25,000/-. The following are the benefits that comes with Classic Current AccountFree Payment & Collection through NEFT & RTGSFree Local Cheque Collection at base location (Intra-city)Free Non-Cash payment services* upto 25 lacs per monthFree cash deposit up to Rs. 2.5 lacs per month at base branch locationFree Internet Banking and Phone BankingMobile Banking at a minimal costFree Non-Cash Collection services**

*Demand Drafts, Pay Order, Multicity cheque payments**Local Cheque collection Non base & Upcountry Cheque Collections

Please refer the Schedule of Charges (Roaming Current Account) for detailed information.

Classic PlusICICI Bank's Classic Plus Current Account comes with an exhaustive range of benefits, designed to help you grow. With a minimum commitment as low as Rs. 40,000/-, the following are the benefits are offered with Classic Plus Current Account:

Free Payments & Collections for RTGS & NEFTFree Fund TransferFree Multicity cheque payments upto Rs. 15 lacs per month

Anywhere cash deposit free limit of Rs. 3 lacs per monthFree PO issued from base branch up to Rs. 5 lacs per dayDD payable at own location up to Rs. 5 lacs per dayFree Local Cheque Collection at base location (Intra-city)Free Local Cheque Collection through non base branch up to Rs. 10 lacs per monthFree Cash withdrawal at non base branch through Self cheques up to Rs. 50,000/- per dayFree Internet Banking and Phone Banking

Please refer the Schedule of Charges for detailed information.

PremiumICICI Bank's Premium Current account gives you a wide range of facilities with an MAB of Rs. 50,000/-. The following benefits comes with Premium Current Account:Free Collections & Payments through NEFT and RTGSFree Local Cheque Collection at base location (Intra-city)Free Non-Cash services*Free Cash deposit up to Rs. 5 lacs per month at base branch locationFree Internet Banking and Phone BankingMobile Banking at a minimal cost

*Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque Collections

Please refer the Schedule of Charges (Roaming Current Account) for detailed information.

ICICI Bank's Gold Current account gives you a wide range of facilities with an MAB of Rs. 1,00,000/-. The following benefits comes with Gold Current Account:

GOLDFree Collections & Payments through NEFT and RTGSFree Local Cheque Collection at base location (Intra-city)Free Non-Cash services*Free Cash withdrawal at non base branch through Self cheques up to Rs. 50,000/- per day

Free Cash deposit at base branch location up to Rs. 10 lacs per monthFree Internet Banking and Phone BankingFree Cash deposit at non base branch location up to Rs. 1 lac per monthFree Mobile Banking

*Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque Collections

Please refer the Schedule of Charges (Roaming Current Account) for detailed information.

Gold AdvantageICICI Bank's Gold Advantage Current Account comes with an exhaustive range of benefits, designed to help in every step. With a minimum commitment of Rs. 1,00,000/-, the following are the benefits offered with Gold Advantage Current Account: Free Payments & Collections for RTGS & NEFTFree Fund TransferFree Multicity cheque payments upto Rs. 50 lacs per monthAnywhere cash deposit free limit of Rs. 7.5 lacs per monthFree PO issued from base branchDD payable at own location up to Rs. 15 lacs per dayFree Local Cheque Collection at base location (Intra-city)Free Local Cheque Collection through non base branch up to Rs. 50 lacs per monthFree Cash withdrawal at non base branch through Self cheques up to Rs. 50,000/- per dayFree Internet Banking and Phone Banking

Please refer the Schedule of Charges for detailed information.

Gold PlusICICI Bank's Gold Plus Current account gives you a wide range of facilities with an MAB of Rs. 3,00,000/-. The following benefits comes with Gold Plus Current Account:Free Collections & Payments through NEFT and RTGSFree Local Cheque Collection at base location (Intra-city) Free Non-Cash services*Free Cash withdrawal at non base branch through Self cheques up to Rs. 50,000/- per dayFree Cash deposit at base branch location up to Rs. 30 lacs per monthFree Internet Banking and Phone Banking

Free Cash deposit at non base branch location up to Rs. 3 lacs per monthFree Mobile Banking

*Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque Collections

Please refer the Schedule of Charges (Roaming Current Account) for detailed information.

PlatinumICICI Bank's Platinum Current account gives you a wide range of facilities with an MAB of Rs. 5,00,000/-. The following benefits comes with Platinum Current Account:Free Collections & Payments through NEFT and RTGSFree Non-Cash services*Free Cash withdrawal at non base branch through Self cheques up to Rs. 50,000/- per dayFree Cash deposit at base branch location up to Rs. 50 lacs per monthFree Internet Banking and Phone BankingFree Mobile BankingFree Cash deposit at non base branch location up to Rs. 5 lacs per monthFree physical Billing statementZero Annual fees for the Debit card

*Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque Collections

Please refer the Schedule of Charges (Roaming Current Account) for detailed information.

Elite Current AccountICICI Bank's Elite Current account gives you a wide range of facilities with an MAB of Rs. 10,00,000/-. The following benefits comes with Elite Current AccountFree Non-Cash services*Free Cash withdrawal at non base branch through Self cheques up to Rs. 50,000/- per dayFree Cash deposit at base branch location up to Rs. 1 crore per monthFree physical Billing statementZero Annual fees for the Debit cardFree mobile alerts, phone banking, corporate internet banking.

*Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque CollectionsPlease refer the Schedule of Charges (Roaming Current Account) for detailed information.

PCA (Prepaid Current Account)ICICI Bank presents a special current account for those who prefer to pay a fixed prepaid charge on an annual basis and who do not want to commit any balance at any point of time. In Prepaid Current Account, the customer does not have to maintain any minimum or average balance but just has to charge his account with Rs. 2999 every year. Charge once and enjoy free* banking for the whole year. It is simple and transparent and the advantages include:The ICICI Bank EdgeFree personalized cheque bookFree business banking debit cardFree unlimited fund transfersFree Internet/ Phone/ Mobile Banking*50 free transactions every month and charges thereafter

Trade RCATRCA is the perfect solution to cater to both your international and domestic banking needs. ICICI Bank's Trade Roaming Current Account is a unique amalgamation of domestic banking features of the Roaming Current Account and Global Trade Services. It offers a composite banking solution to exporters and importers. An important part of this is the "zero balance" account that enables you to utilize your financial resources more effectively. Some of the special features of TRCA include no commitment of quarterly average balance, Free Inward Remittance, no charges on FIRC or BRC issuance. You can also avail of preferred rates on select trade services depending on trade volume commitment. It offers all the facilities of domestic banking requirements such as anywhere banking, international business banking debit card, Internet banking, phone banking and mobile banking.

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

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

Local Current Account

ICICI's Local Current Account is for businesses with primarily local transactions.Benefits

Discounted charges on local transactionsHigher free cash deposit limit at base branch location; up to 30 times of the minimum Average Balance requiredFree cheque collection and payment at base locationFree unlimited fund transferFree Mobile Banking through SMS alerts as well as account information through your mobile

EEFC : Exchange Earner's Foreign Currency AccountExchange Earner's Foreign Currency Account (EEFC): With an EEFC Account, exporters and importers can now rest easy...That is right, ICICI Bank's EEFC Account is just what you need to protect your bottom line from potential losses due to exchange rate fluctuations. Quite simply, it enables you to retain any foreign currency earned abroad for as long as you want. You can also convert it into Indian Rupees whenever you want. This insulates you from any market volatility. You can maintain a zero balance EEFC account with us, pertaining to all major currencies.

Made2Order AccountICICI's Made to Order Account (M2O) is an account tailor-made keeping in mind transactions unique to your business. The M2O Account gives you the flexibility to choose the services relevant to your specific business needs.Special features of the M2O account include:Flexibility in deciding the MABFlexibility in deciding the higher free Limits in services which are required frequentlyCustomized DD/Pay Order limitsFlexible cash deposit limits at both base and non-base branchesCustomized charges and free limits for services which are required frequentlyFlexibility in choosing free cheque leavesBelow are the features of Roaming Current Account which also applies to Made 2 Order:Multi-location Fund TransferAnywhere deposit & withdrawalMobile BankingInternet BankingPhone BankingDaily e-mail Statement

Elite Current AccountICICI Bank's Elite Current account gives you a wide range of facilities with an MAB of Rs. 10,00,000/-. The following benefits comes with Elite Current AccountFree Non-Cash services*Free Cash withdrawal at non base branch through Self cheques up to Rs. 50,000/- per dayFree Cash deposit at base branch location up to Rs. 1 crore per monthFree physical Billing statementZero Annual fees for the Debit cardFree mobile alerts, phone banking, corporate internet banking.

*Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque CollectionsPlease refer the Schedule of Charges (Roaming Current Account) for detailed information.

Cluster Current AccountCluster Current Account offered by ICICI Bank is customized to specific business segments. Various Industry sectors which are sufficiently large scale and which have unique transactional needs are accordingly identified under the 'Cluster Products' program and product propositions catering to these unique needs are developed. The product is distinct in terms of pricing benefits & industry specification.

Recognizing the fact that every business distinctive requirements, a range of products are available under the array of Cluster Current Account to suit varying needs. The choice of accounts is categorized as per Industry sectors.BenefitsChoose an account type that suits your business from the available productsAllows your customer to deposit cheques into your account from any ICICI Bank branchDynamic limits on the amount of free transactions based on the Monthly Average Balance (MAB) maintained by you.FREE Funds transfer within ICICI Bank AccountsFREE NEFT/ RTGS servicesDoorstep Banking ServicesE-mail/ Mobile AlertsDebit CardPhoneBankingE-mail StatementCorporate Internet BankingType of Accounts

You may choose from the available four types of Cluster Current Account depending on your requirements:

Seasonal Current Account

Public Works Contractor Account Company Current Account Textile Current Account

Seasonal current account

The product is meant to cater to business segments which have an inherent seasonality in their operations, such as Agri-businesses. With a minimum Monthly Average Balance ("MAB") requirement of Rs. 1,00,000/-, the product is customized to offer dynamic free limits on cash and ^non-cash transactions that vary based on the MAB maintained in the account. Thus during peak seasons for your business the limits on the value of free transactions increases with the higher balance maintained, thus bringing down the charges applicable for the higher volume of transactions.

Features

Dynamic limits on the amount of free transactions based on the MAB maintainedBusiness transactions in the account increase for seasonal businesses in the peak seasons. Seasonal current account is structured such that the limits on free transactions for various transactions are a multiple of MAB maintained in the account in the transaction month. Thus in the peak seasons with the increase in the MAB maintained, limits on free transactions increase in the account bringing down transaction costs that would have been incurred otherwise.Higher free limits for anywhere cash depositsNo charges on the monthly cash deposits in your account upto 12 times the MAB maintained during the same transaction month. The free limit is applicable for cash deposits both at base and non-base ICICI Bank locations branches, thus giving you the freedom to deposit cash anywhere depending on your business requirements.Free limits on the total ^non-cash transactions made in a transaction month upto 50 times of the MAB maintained during the same transaction month.No charges on up to 200 cash & clearing transactions a month not including upcountry cheque collection and collections done through Internet banking/ Phone banking/ Mobile banking/ ICICI Bank ATM's.No charges on RTGS / NEFT servicesNo charges on funds transfer between ICICI Bank accounts.Funds transfer service between ICICI Bank accounts is completely free of charge. Thus you can avail of free funds transfer facility to third party ICICI Bank accounts held by your suppliers / customers etc.No charges on mobile alerts ( for debit and/ credit transactions over Rs. 5000/- in your account as well as a daily closing balance alert).Anywhere bankingMore than 2500 branches across countryExtended banking hours9 to 6 / 8 to 8 as applicable*Conditions apply. Please refer to the Schedule of charges for details.

Note :1. This content is for the purpose of information only and not for solicitation. It is not to be deemed as an offer to sell . 2. The features are subject to change as per the Bank's discretion. 3. ^Non Cash Transactions includes Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque Collections.

FAQ's

What is the minimum average monthly balance required in a Seasonal Current Account?The minimum average monthly balance MAB required to be maintained is Rs. 1,00,000/- However, monthly free limit benefits will be based on the MAB actually maintained in the account during the transaction month and not on the minimum MAB required.How is seasonal current account different from regular current accounts?Free limits are dynamic depending on the balances maintained in the account, thus addressing the higher transaction volumes requirement in peak seasons for seasonal businessesFree limits applicable to Cash deposits at both ICICI Bank base and non-base locations branches.Higher free limits on cash deposits.Is there any additional documentation required, in addition to the KYC documentation, for opening this account?Yes, only customers undertaking seasonal businesses such as agriculture related enterprises are eligible to open this account. Thus, you are required to furnish documentary proof to that

effect. For details on what constitutes acceptable documents, please contact our nearest branch.Please refer the Schedule of Charges for detailed information.

Public Works Contractors Current Account

The product is meant to cater to the specific business requirements of contractors undertaking infrastructure work on behalf of government agencies / departments. With a minimum MAB requirement of Rs. 1,00,000/-, the product offers benefits customised for this segment of customers.

FeaturesHigher free limits for cash withdrawal at non- base ICICI Bank location branches.No charges on cash withdrawals up to Rs. 2 lakhs per day from any ICICI Bank branch. This facilitates anywhere payments for labour wages, construction materials etc.Higher free limit for ^non-cash transactionsNo charges on ^non-cash transactions up to Rs. 2 Crore per month. Facilitates lower charges on transactions most required by you such customers.Lower charges for high value ^non-cash transactionsSuch an account would help minimise the cost for a customer undertaking frequent high value ^non-cash transactions such as receiving lump sum payments from government agencies or payments made to equipment / material suppliers as the account minimises the cost for such transactions. With a rate of Rs. 0.50/- per Rs. 1000/- chargeable after exhaustion of the monthly free limits while restricting the maximum charge per instrument to Rs. 500/- irrespective of the amount of the instrument such an account would help minimise the cost for a customer undertaking frequent high value transactions.No charge on funds transfer between ICICI Bank accountsFunds transfer service between ICICI Bank accounts is completely free. Thus you can avail of free funds transfer facility to third party ICICI Bank accounts of your suppliers / customers etc.No charges on RTGS / NEFT servicesNo charges on up to 200 cash & clearing transactions a month not including upcountry cheque collection and collections done through Internet banking/ Phone banking/ Mobile banking/ ICICI Bank ATMs.Free mobile alerts in case of debit / credit transactions over Rs. 5000/- as well as a daily closing balance alert.Anywhere bankingMore than 2500 branches across countryExtended banking hours9 to 6 / 8 to 8 as applicable* Conditions apply. Please refer to the Schedule of Charges for details.

Note :1. This content is for the purpose of information only and not for solicitation. It is not to be deemed as an offer to sell . 2. The features are subject to change as per the Bank's discretion.3. ^Non Cash Transactions includes Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque collection.

Company Current Account

The product has been customized to cater to the specific business requirements of public / private limited companies which undertake high value ^non-cash transactions.

FeaturesNo minimum MAB commitment requiredFluctuations in the payment – collection cycle and concern for liquidity make it difficult for companies to keep track of / maintain adherence to an MAB commitment. The product addresses your concern by not having any minimum MAB commitment requirement. You need to commit to only the value of transactions in your account in a quarter (quarterly throughput), and not to the balance maintained in the account. Quarterly throughput is the sum total of collections and payments in the account in a given quarter.Quarterly throughput commitment requirement of Rs. 1 CroreHigher free limits for ^non-cash transactionsNo charges on ^non-cash transactions upto Rs. 2 Crore per month. Facilitates lower charges on such transactions, required by such customers.

Lower charges for high value ^non-cash transactionsIn case you undertake frequent high value ^non-cash transactions in your account for lump sum payments / collections to and from your suppliers / customers, the account minimises your cost for these transactions at by charging a rate of Rs. 0.50/- per Rs. 1000/- above the specified monthly free limit for the same while restricting the maximum amount charged by ICICI Bank to Rs. 500/- per instrument irrespective of the amount.No charge on funds transfer between ICICI Bank accounts.Funds transfer service between ICICI Bank accounts is completely free. Thus you can avail of free funds transfer facility to third party ICICI Bank accounts of your suppliers / customers etc.No charges on RTGS / NEFT servicesNo charges on up to 200 cash & clearing transactions a month not including upcountry cheque collection and collections made through Internet banking/ Phone banking/ Mobile banking/ ICICI Bank ATM’sFree mobile alerts in case of debit / credit transactions over Rs. 5000/- as well as a daily closing balance alert.Anywhere bankingMore than 2500 branches across countryExtended banking hours9 to 6 / 8 to 8 as applicable* Conditions apply. Please refer to the Schedule of Charges for details.

Note :1. This content is for the purpose of information only and not for solicitation. It is not to be deemed as an offer to sell . 2. The features are subject to change as per the Bank's discretion.3.^Non Cash Transactions includes Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque Collections.

FAQ'sWhat is the minimum average monthly balance required in Company Current Account?Nil. You only need to maintain a quarterly throughput of Rs. 1 Crore in your account. Throughput is the sum total of collections and payments in your account..How is Company Current Account different from regular current accounts?No MAB commitment required; Only quarterly throughput commitment needs to be met.Higher monthly free limits for ^non-cash transactionsPlease refer the Schedule of Charges for detailed information.

Textile Current Account

The product has been structured considering the specific business requirements of textile wholesalers. The product comes in two variants to cater to the wide ranging business sizes in the segment and offers benefits customised to the requirements of the segment.

FeaturesTwo variants of the productTextile Advantage with a minimum MAB requirement of Rs. 75,000/- and Textile Basic with a minimum MAB requirement of Rs. 25,000/-Higher free* limits for cash deposits at any ICICI Bank branch.Free limits of Rs. 9,00,000/- per month for textile advantage and Rs. 3,00,000/- per month for textile basicThe free limits for cash deposit are applicable on cash deposits made at both base and non-base locations.Higher free* limits for ^non-cash transactionsRs. 75 lakh per month for textile advantage and Rs. 25 lakh per month for textile basicNo charges on RTGS / NEFT and Funds Transfer between ICICI Bank accounts.Free mobile alerts in case of debit / credit transactions over Rs. 5000/- as well as a daily closing balance alertAnywhere bankingMore than 2500 branches across countryExtended banking hours9 to 6 / 8 to 8 as applicable* Conditions apply. Please refer to the Schedule of Charges for details.

Note :1. This content is for the purpose of information only and not for solicitation. It is not to be deemed as an offer to sell .

2. The features are subject to change as per the Bank's discretion.3. This product is available at select locations only. The selection of locations is solely at the Bank's discretion. 4.^Non Cash Transactions includes Demand Drafts, Pay Order, Multicity cheque payments, Local Cheque collection Non base & Upcountry Cheque Collections.

FAQ'sWhat is the minimum average monthly balance required in Textile Current Account?Rs. 75,000/- for textile advantage and Rs. 25,000/- for textile basic respectivelyHow is Textile Current Account different from regular current accounts?Higher free limits for cash deposits made at both base and non-base locationsHigher free limits for ^non-cash transactionsFree funds transfer services between ICICI Bank accounts.Please refer the Schedule of Charges for detailed information.

Dream Home Plan

Other Accounts 

Features

Secured returns on Fixed Deposit / Recurring deposit Minimum amount :

o Recurring Deposit-Rs. 5000/- per montho Fixed Deposit- Rs. 60,000/-

Minimum Tenure of Fixed Deposit / Recurring Deposit : 1 year

No TDS on interest earned on Recurring deposit Premature withdrawal : Allowed, subject to penalty as applicable and terms and conditions governing

Dream Home Plan

Example : Building the corpus required for the downpayment of your dream home

Fixed Deposit (Rs) Tenure of Deposit

Interest rateValue at maturity (Rs.)

2,00,000/- 790 Days 7.50% 2,34,896/-

Monthly Recurring deposit (Rs)

Tenure of Recurring Deposit

Interest rateValue at maturity (Rs.)

6000 24 months 7.25% 1,55,325/-

Monthly Recurring Deposit (Rs)

Tenure of Deposit

Interest RateValue at Maturity (Rs.)

8000 36 months 7.75% 3,24,896/-

T&Cs apply. Table/ Examples are for illustrative purposes only. Interest rates are cited as examples

and applicable as on July 31, 2010, are indicative and subject to change at the sole discretion of ICICI

Bank The value of maturity mentioned are approximate values only and are subject to taxes as may

be applicable from time to time

Benefits

Buying a home is probably one of your most cherished dreams in our lives. ICICI Bank Dream Home

Plan enables you to plan for you dream in a systematic manner. Also, it ensures that your FD/ RD

created by you from the corpus of your savings stays safe with ICICI Bank

What more, ‘ICICI Bank Dream Home Plan’ offers multiple benefits:

Helps you to utilize your monthly savings to form a corpus for the downpayment required to buy your dream home.

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

Just choose from any of the following savings options --

Fixed Deposit Option Recurring Deposit Option

Choose to invest a lumpsum amount that will build a corpus that helps you meet downpayment requirement.

If you are looking to build your corpus by way of providing easy recurring deposit, you may choose to avail of this option.

*Waiver on processing fee up to 10 times the amount of deposit amount withdrawn

#Benefit of free real estate property updates from ICICI Home Finance Company’s (“ICICI HFC”) shall

be available only upon filling up ICICI HFC buyer registration form

Benefits of Advantage Woman Savings Account

The ICICI Bank Advantage Woman Account enables today’s independent women to enjoy hassle-free

banking services. Besides the core ICICI Bank advantage, the Advantage Woman Savings Account is

packed with special benefits for our women customers. Enjoy your present and plan for the future with

ICICI Bank’s Advantage Woman Savings Account.

Advantage Woman offers a specially designed woman's debit card which helps you shop and save

simultaneously, manages your household expenditures and comes with a bag full of offers attached to

it.

Advantage Woman Savings Account Eligibility

Advantage Woman Savings Account can be opened with primary applicant as any resident Indian

woman (majors above 18 years).

The ICICI Bank Edge

Zero Balance facility with a RD of just Rs. 2,000**. A Special International Woman's Debit card Gamut of discounts and benefits on your Special Woman's Debit card. Free multi-city cheque book. Free monthly email statement (on customer request). Online Bill Pay facility by issuing a one-time standing instruction. Multi channel access through ATM, Branch network and free Internet, mobile and phone banking. Nomination facility available.

Nomination Facility

Nomination facility available for bank deposits. There can be only one Nominee for a deposit account whether held singly or jointly. A person legally empowered to operate a minor's account can file a nomination on behalf of the minor. Applicants can make nomination by filling up the Form prescribed under the Banking Companies

(Nomination) Rules 1985. The nomination details can be changed during the subsistence of the account relationship by filling up

the Form prescribed under the Banking Companies (Nomination) Rules 1985. For more details approach your bank.

**This is as long as the Recurring Deposit is active, else a Minimum Monthly Average Balance (MAB)

of Rs.10,000/- is to be maintained and standard charges will be debited on non-maintenance of MAB.

Advantage Woman Savings Account - Features

Zero Balance facility with a RD of just Rs. 2,000.** Now just maintain a Recurring Deposit of Rs. 2,000 with us and get a hassle free zero balance savings account.

A Special International Woman's Debit card

A Debit Card specially designed for the woman of today! Packed with conveniences every woman will cherish. Avail attractive discounts for shopping, dining and more while you continue to enjoy all

the benefits that are yours with the ownership of an ICICI Bank Debit card.

ICICI Bank Woman's Debit Card Benefits

High withdrawal limit & transaction limit Enjoy a high cash withdrawal limit (w.e.f. December 01, 2012) of Rs.50,000 per day and POS transaction limit of Rs.50,000 per day.

Online transactionsYou can use your ICICI Bank Woman's Debit Card on the internet for buying travel or movie tickets, paying your bills and much more. All you need to do is register yourself for "Master Card SecureCode "Online transaction limit per day (w.e.f. June 01, 2012) for ICICI Bank Woman's Debit Card is Rs. 50,000 per day.

PAYBACK RewardsEarn 1 °point on every Rs.100 spent at merchant establishment in India.You can earn points as follows:

At merchant establishment

in IndiaAt Indian Websites

At merchant establishment located outside India

PAYBACK points per Rs. 100

1 5 10

Note: W.e.f 1-April-2012 you will not earn reward points on mutual fund and insurance premium payment made through your ICICI Bank Debit Card

InsuranceAir Accident insurance of Rs. 50000 and purchase protection of Rs. 50000, Click Here

Zero Liability ProtectionYour ICICI Bank Woman's Debit Card comes with the added security of Zero Liability, a unique feature which protects your debit card against unauthorised purchases on loss, theft or misplacement. All you need to do is call our 24-hour Customer Care within 15 days to report loss or misuse and provide the necessary documents. The balance in your account will be restored.Effective August 1, 2011, the Terms and Conditions of Zero Liability Protection on your Debit Card has changed. Click here for more details

Better trackingReceive instant SMS alerts on transaction made on your Woman's Card.

Itemized billingYour ICICI Bank Woman's Debit Card allows you to track your spends on a regular basis. The details of the purchases made on your card, along with the date, merchant name and amount are mentioned in your bank statement.

 • Fair Practice Code • Terms & Conditions • Privacy Policy • FAQs

Also, take full advantage of gamut of discounts and benefits on your Special Woman's Debit card. Free Unlimited Access to any bank's ATM:

Enjoy free unlimited access to any bank's ATM for cash withdrawals and balance enquiry. Payable-at-par chequebook

With the Advantage Woman account, you get a free, multi-city cheque book. Free monthly email statement (on customer request)

Bill PayNo need to waste precious time in queues to pay bills. Pay your telephone, electricity, mobile phone bills, etc. online or through our Customer Care, by giving us a one-time standing instructions.

Multi Channel AccessFor carrying out routine banking transactions or to register for services like credit cards, utility bill pay, cash pick-up and delivery on call, etc. conveniently access to your savings account through any of the following channels:

o Access to over 2,750 ICICI Bank branches and 10,000 ATMso Free Internet Bankingo Free Phone Bankingo Mobile Banking

Nomination facility available

Nomination

Nomination facility available for bank deposits. There can be only one Nominee for a deposit account whether held singly or jointly. A person legally empowered to operate a minor's account can file a nomination on behalf of the minor. Applicants can make nomination by filling up the Form prescribed under the Banking Companies

(Nomination) Rules 1985. The nomination details can be changed during the subsistence of the account relationship by filling up

the Form prescribed under the Banking Companies (Nomination) Rules 1985. For more details approach your bank.

**This is as long as the Recurring Deposit is active, else a Minimum Monthly Average Balance (MAB)

of Rs.10,000/- is to be maintained and standard charges will be debited on non-maintenance of MAB.

If your Monthly Average Balance (MAB) is less than Rs. 10,000, you will be levied a transaction

charge for accessing non-ICICI Bank ATM's in the beginning of the next month.

Advantage Woman Savings Account - Documentation

*Identity proof :

Passport PAN card Voter ID card Driving licence Government ID card Senior citizen ID card

*Address proof :

Passport Telephone bill Electricity bill Bank Statement with Cheque Certificate/ ID card issued by Post office

* Any other Identity proof or Address proof document can be submitted, subject to the Bank's

satisfaction. 

Note:

Please produce the original document(s) for verification & a photocopy of each document. Please fill the form in CAPITAL LETTERS using Black ink. Please countersign in case of any overwriting. Please avail of the nomination facility.

Mandatory to provide Permanent address and telephone number.

Dream Education Plan

Other Accounts 

Features

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

o Minimum RD tenure: 3 year , and there after in multiples of 3 months.o Min. RD amount: Rs 500 and in multiples of Rs 100 thereafter

Benefit Phase :o Option of quarterly / annual payouto Min. tenure : 12 monthso ICICI Bank Youngstars Account mandatory for the plan, as repayment account in benefit phase shall be

the Youngstars Account

How does the Dream Education Plan work?

Example 1:

Monthly installment (Rs)

Investment tenure

Yield on maturity (Rs)

Benefit

phase

Interest rate

Benefit amount(Rs)

3000 8 yrs 3,98,957 2 yrs 7.75% 54315 per quarter

Example 2

Monthly Installment (Rs)

Investment Tenure

Yield on maturity (Rs)

Benefit phase

Interest Rate

Benefit amount (Rs)

2000 5 yrs1,46,,74

71 yrs 7.75% 1,58,456 annually

The above mentioned examples are for illustration purpose only. Calculations are based on prevailing

interest rate as on April 08, 2010 and are subject to changes without prior intimation. The benefit

amount mentioned is an approximate value only and is subject to taxes as applicable.

Benefits

You’ve always believed in giving your child the best. The best upbringing, the best lifestyle, and of

course, the best education, you can afford. Be it admissions to a school or a reputed college, getting

them to engage in their vocational pursuits or even professional education in India or abroad, ICICI

Bank Dream Education Plan helps you secure your dream of offering your child the best education

money can buy.

ICICI Bank Dream Education Plan gives you benefits of:

Safety of your investment by way of Bank Term deposit Easy corpus building through monthly small savings Regular payout for funding your child's requirements as per educational milestones Earn FD interest rate for the entire period of the plan ( Investment + Benefit phase) Flexibility :

o Loan available on deposito Premature closure allowedo Option of choosing quarterly / annual payout in benefit phase

No additional allocation or handling charges for the investment

No TDS on interest earned on RD in investment phase

TASCSpecial Savings Account

ICICI Bank’s Special Savings Account provides comprehensive banking services to non profit motive

organizations like Trusts, Associations, Societies, Clubs, NGOs, Hospitals, Educational and Research

Institutes and section 25 companies and entities eligible for a savings account as per RBI Guidelines 

The ICICI Bank Edge

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

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

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

Eligibility Special Savings Account can be opened by:

1. Primary Co-operative Credit Society which is being financed by the bank.

2. Khadi and Village Industries Boards.

3. Agriculture Produce Market Committees.

4. Societies registered under the Societies Registration Act, 1860 or any other corresponding law in force in State or a Union Territory.

5. Companies governed by the Companies Act, 1956 which have been Licensed by the Central Government under Section 25 of the said Act, or under the corresponding

provision in the Indian Companies Act, 1913 and permitted, not to add to their names the words 'Limited' or the words 'Private Limited'.

6. Institutions other than those mentioned in clause (i) and whose entire income is exempt from payment of Income-tax under the Income-Tax Act, 1961.

7. Government departments/bodies/agencies in respect of grants/ subsidies released for implementation of various programmes/ schemes sponsored by Central/State

Government subject to production of an authorisation from the respective Government departments to open savings bank account.

8. Development of Women and Children in Rural Areas (DWCRA).

9. Self-help Groups (SHGs), registered or unregistered, which are engaged in promoting savings habits among their members.

10. Farmers' Clubs - Vikas Volunteer Vahini - VVV.

Clause (i)

Special Savings Account cannot be opened in the name of:

1. Government departments/bodies depending upon budgetary allocations for performance of their functions.

2. Municipal Corporations or Municipal Committees.

3. Panchayat Samitis.

4. State Housing Boards.

5. Water and Sewerage / Drainage Boards / Metropolitan Development Authority / State / State Text Book Publishing Corporations / Societies / District Level Housing Co-op.

Societies etc.

6. Any political party or trading or business concern, whether such concern is a proprietary or a partnership firm or a company or 

Documentation

Documentation

1.1 Mandatory documents for all Special Savings Accounts

1. Appropriate Account opening form.

2. Specimen signatures and latest photographs of all authorised signatories.

3. Copy of PAN or duly filled Form 60-with reasons of not having PAN. Copy of duly acknowledged form 49A where the client has filled form 60 with the reason 'Applied for PAN'.

4. Self-drawn Cheque (Signature and stamp on cheque to match with that in Account opening form).

5. Certified copy of Resolution to open the account signed by Managing Trustee / Chairperson / Secretary / any two authorised signatories (for Trust / Association / Society / Club).

1.2 Documents specific for Trusts/Associations/Clubs/Society

1. For Trusts:Certified "True and Updated" copy of Trust Deed signed by managing / authorised trustees.For Associations / Society / Clubs:Certified "True and Updated" copy of rules & bye-laws (for Association / Society / Club) signed by the Secretary.

2. Certified "True and Updated" copy of certificate of registration (for Trusts/ Association / Society / Club).Exclusion:Certificate of Registration is not mandatory for opening accounts of Private Trusts. In such cases, proof of address is mandatory.

3. List of all office bearers / Trustees, to be obtained on the letterhead (of the Trust / Association / Society / Club), with their addresses and signed and dated by Managing Trustee / Chairperson / Secretary / two authorised signatories.

4. The following documents are required to establish the tax-exempt status of the applicant (if applicable):i. Copy of the last acknowledged return of income / IT assessment order verifying that the income is exempt from tax.ii. Registration certificate from Income Tax establishing that the income of entity is exempt from tax.iii. Confirmation from the authorised signatory that the income of the entity is exempt under the Income-tax Act.

5. Identity proofs for all authorised signatories.

6. If documents as mentioned in point 1, 2 or the IT assessment order/IT registration certificate submitted by the applicant does not establish the communication address as mentioned in the Account opening form, separate proof of communication address in the name of the Trusts / Associations / Society / Club needs to be collected. 

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1.3 KYC documentations for Other Entities

NOTE :

Please note that the mandatory documentation requirements as mentioned in Section 1.1 is also applicable for following entities. Documents as per 1.2 are not required until and unless explicitly specified hereunder.

1.3.1. Documentation for Defence Establishments, Universities, Association of Persons (AOP) & International Clubs

a. Defence establishments

Letter from the Commanding Officer (CO) for opening of account with any scheduled commercial bank. The letter should contain information such as mode of operation with designated powers, list of authorized signatories, acceptance of the terms and conditions and such other conditions as may be prescribed by the standard format of Managing Committee/Governing Body resolution from time to time.List of all authorized signatories with their addresses signed by the CO to be obtained on the letterhead (of the defence establishment). Confirmation from the defence establishment that the income of the establishment is exempt under the Income-tax Act on annual basis. Separate proof of communication address in the name of the entity needs to be collected. 

b. Universities

  Copy of the byelaws or extract of the relevant act passed by state / central government, which specifies the banking norms, certified by the any two member of management committee / Vice Chancellor / Any two authorised signatories operating the account. Resolution passed by the Managing Committee / Vice Chancellor to open bank account with any scheduled commercial bank. The copy of resolution should be certified by any two member of management committee / Vice Chancellor / any two authorised signatories operating the account. The resolution should contain information such as mode of operation with designated powers, list of authorized signatories, acceptance of the terms and conditions and such other conditions as may be prescribed by the standard format of resolution from time to time. In case, another office bearer (e.g. Registrar) is the signatory, then the resolution passed by the Management Committee specifying the powers given to that office bearer by the Management Committee. List of all office bearers / Trustees with their addresses signed by the Vice Chancellor / any two members of Management Committee. To be obtained on the letterhead of the university. Identity proofs for all authorised signatories. Separate proof of communication address in the name of the University needs to be collected. Confirmation from the university that the income of the university is exempt under the Income-tax Act on annual basis. 

c. Association of Persons (AOPs)

  SSA is offered only to registered Association of Persons. KYC guidelines as referred in section 1.1 & 1.2 to be complied with, in case of opening of account of registered AOP.

d. nternational Clubs namely Rotary, Lions and Jaycee and the likes

Copy of International charter of the club.Certified copy of Resolution to open the account signed by District Governor / President / Head of the International club / any two authorised signatories. Board/Committee/Governing Body resolution should contain information such as mode of operation with designated powers, list of authorized signatories, acceptance of the terms and conditions and such other conditions as may be prescribed by the standard format of board resolution from time to time. List of office bearers of the Club with latest signature and photograph. A copy of the letter of appointment of the District Governor / President / Head of the International club (Rotary/Lion/Jaycees). Proof of tax exemption as per 1.2 Point 4 needs to be obtained.Identity proof for all authorised signatories. If IT assessment order/IT registration certificate submitted by the applicant does not establish the communication address as mentioned in the Account opening form, separate proof of communication address in the name of the entity is required.

e. Companies registered under Section 25 of Companies Act

  Latest list of all Directors with their Addresses duly dated & signed by Company Secretary/ director(s).Certified " True and Updated" Copy of Certificate of Incorporation. Certified " True and Updated" Copy of Certificate of Commencement of Business (In case of Public Limited. Co.). In case, a private limited company is converted to a public limited company, amended copy of certificate of incorporation issued by Registrar of Companies ("ROC") will be required. Certified " True and Updated" Copy Memorandum and Articles of Association.Identity proof of all authorised signatories.Separate proof of communication address of the company if document in certificate of incorporation does not establish the communication address of the entity as mentioned in Account opening form. 

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No, accounts of unregistered Trust, associations, clubs and societies cannot be opened. They have to be necessarily registered under the Societies Act with the Registrar of Societies.

What is the minimum balance required for opening this account?There is no minimum balance requirement for this account, but a cheque of Rs.25,000 should accompany the account opening form as an initial deposit.

What are the features of the Money Multiplier Facility offered for SSA? Money Multiplier Facility 

SSA(Special saving account)