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INTRODUCTION TO ICICI As a privileged private Banking client, ICICI bring you the entire range of prod ucts and

service of ICICI Bank, packaged together for your convenience. This is delivered through a single point contact and separate interaction area in the br anch to ensure the highest quality service that discerning clients like you dese rve. ICICI Bank, India' s First Universal Bank, offers the widest range of finan cial products and services. ICICI have a track record of nearly half a century w ith a Balance sheet size of over Rs. 100,000 Crores. With a growing customer bas e of 5 million, ICICI Bank is India' s largest private Sector bank. Today, the b ank provides you a nationwide network of 425 + branches and 1650+ ATMs. In the y ear 2000, ICICI Bank created a mark in Indian Banking history by being the First Indian bank to be listed on the New York Stock Exchange. It is proud to state t hat ICICI Bank holds the distinction of being the only Indian company to be rate d one notch above India's sovereign rating by Moody's the renowned international rating agency.

ICICI Bank Private Baking Offer Comprehensive range of products and services. Sa vings Account, fixed deposits, recurring deposits, quantum optima, current accou nt, resident foreign, currency (domestic) account etc. Web trade, Demat account. International debit and credit cards. And may more Exclusivity and convenience Dedi cated officer at bank. Separate interaction area in the branch. Anywhere banking facility. Exclusive phone banking service. Competitive Pricing Reduced rates fo r products and services Several complimentary offers. Value linked benefits.

ICICI PRODUCT PROFILE

ICICI PRODUCT PROFILE The saving bank from ICICI bank offer excellent benefits: It offers you all the facilities that helps you access your bank account: Anywhe re ICICI Bank is one of the largest networks in the country with over 450 branch es, more than 1675 ATMs and presence in, over 222 cities across the country. Any time You can access your account, withdraw cash upto Rs. 50,000 (Rs15,000 ) for third party cash withdrawals*),cash deposits up to Rs 50,000 from any of the bra nches or ATMs across the city or the country 24 hours a day, 7 days a week from the ATMs. ANYWAY With your ICICI Bank account, you can access a vast majority of our services through the ATM. Majority of our services through the ATM. Telepho ne and the internet like ordering a cheque book, viewing your balance, etc. So y ou never need to walk into a bank branch for doing your banking. It also offer y ou a large a number of value added benefits: VALUE ADDED SAVINGS ACCOUNT By open ing a value added savings account, if the balance in your savings account goes a bove Rs. 10,000, the additional amount in multiples of Rs. 5,000 is moved into a fixed deposit Automatically. This helps your earn a better return on you idle f unds. Moreover, you can access this amount in the FD just like access your savin gs account either through a cheque or through the ATM card. The FD is broken in multiples of Rs. 1,000 to facilitate this.

BILL PAYMENT You can your bills like telephone, cellular phones, electricity bil ls, etc. online, or through phone banking. INVESTMENT SERVICES You can make all you investments in mutual funds, RBI tax-free bonds, and insurance as well as tr ading in stock market, through ICICI Direct. Com, through the bank. FREE PERSONA LIZED CHEQUE BOOKS With an ICICI Bank savings account you get a personalized che que book free of charge. All of these can be availed of for maintaining a quarte rly average minimum balance of Rs. 5,000. By quarterly average, it means that yo u dont need to need to maintain a minimum balance of Rs. 5,0000. On any given day , it can even go to Zero. But in quarter, the average balance has to be Rs. 5,00 0. Please note that is a service charge of Rs. 250 per quarter if the average ba lance is not maintained.

Feature Benefit Map of Savings Account Value Added Savings Account

Features Benefits Largest banking networks in the Facility to bank anywhere and country Over 400 branches Over 1000 ATMS Over 222 cities Access through phone, A TM and No need to visit a bank to do your Internet banking "Frees you form hassl es and saves Bill Payment "Instruct bank to make you monthly payments directly" Investment services Make all your investments in mutual bonds, RBI tax free bond s, insurance as well as trading in stock market you time and money" Monthly comm itments get directly met without defaults and penalties and without any botherat ions Saves you from the dust, grime, pollution travel time, long queues and othe r due loss, hassles dates, Boss's (remembering productivity music..) anytime through ICICI Direct.com or through ICICI Bank Free personalized cheque book Mat ches with your status, acts as a qualifying various instrument services for (MTN L Electronic Clearing system.) Most important no cost

Average quarterly minimum Flexibility on liquidity easy to maintain "On any given day, you may eve n balance of just Rs. 5,000 have a ZERO balance" Option of opening value added Provides you with the flexibi lity of savings account a savings account and interest rates of a fixed deposit Auto Sweep facility Excess of 10,000 from your savings accounts transferred auto matically to your get high "Better savings Better liquidity" Maximum Returns You earn a higher interest rate than on your idle saving account interest earning fixed deposit account in multiple of Rs. 5000. Reverse Sweep Fi xed deposits get broken in Liquidity, earnings sand your reputation takes care of at the same time. multiple of Rs. 1,000 to take care of overdraft and cheque payments for amounts larger than the balance in savings account. Remaining deposit continuous to earn full interest

Total amount in savings account Maximum liquidity without penalty and fixed depo sits available for withdrawal through ATM/ cheque. Automatic renewal of fixed No botherations of remembering due dates deposits on due data Cash withdrawals & deposits upto Convenience at n o cost Rs. 50,000 across the counters at any ICICI Bank Branch Free Internet ban king Free Internet banking Provides you with the "Anywhere" banking comfort Conv enience of viewing/ knowing your current position, downloading a/c statements, m anaging fund transfers and instructing various Free quarterly account statements the bank for from fund services of anywhere. Facilitates tracking transferred from savings to Anywhere (widest network0, Anytime (24 7 365) and An yway (ATM, Phone, Internet) access to your account fixed deposit and vice versa Only smile No stress

Documentation Requirements Note: 1. In the case of individual accounts, the documentation must verify the i dentity, address and signatures, where relevant, exactly as has been given in th e from 2. The final discretion for the acceptance of an application form will be done strictly as per the guidelines that have been put into place. Deviations m ay not be accepted. 3. Sales teams are advised to constantly update themselves w ith the circulars/ information updates in respect of the same to minimize reject ions. Savings Bank Account Documentation should clearly and unambiguously suppor t: Name Address Signature As written in the application form Please note that ir respective of the documentation list given below, unless all the above three det ails are verified, the documentation will be deemed to be insufficient. The supp orting documentation should be: EITHER Introduction from existing customer, who has had a relationship for at least six months. Or Category 1 Type of Documentat ion

Passport Or Letter from existing bank Or PAN (Although self cheque drawn on exis ting bank). Or Category 2 Type of Documentation Provide At least one each ist A and list B and Self cheque drawn on existing bank Driving License Salary s lip Voter's ID Card Income/ wealth tax assessment orders Electricity bill (lates t) Telephone bill (latest) Copy of LIC policy or latest premium receipt. Latest credit card statement letter from employer List A (proof of name) List B (proof of current address) giving current residential address.

QUESTIONNAIRE (SAVINGS ACCOUNT) 1. Can I access my saving Account from another branch? ICICI Bank offers you any where banking facility. You can do cash deposits, cheque deposits and cash withd rawals into/from your account from any branch. 2. 3. 4. What is the value of the cheque required for opening the account? Cheque should be minimum Rs. 5,000 Wha t is the charge of non-maintenance of minimum balance? Rs. 250 per quarter Cash Deposit What are the benefits of an ATM? Cash withdrawal (upto Rs. 15000 per day ) Cheque deposits Balance enquiry Statements request 5. How do I approach ICICI Bank to open SB Account? You can approach us in any of the following ways: 6. Ap ply online Write to us at info@icicibank.com Call us at our 24-hour customer car e centre. You can just walk into any of our branches. What is the minimum balance required to be maintained for an ICICI bank saving a ccount? The minimum average quarterly balance required to be maintained for a sa ving account in Rs. 5,000/7. At what frequency will be interest be paid to me?

Interest earned on you savings account balance shall be credited to your account on a half yearly basis in the months of September and M arch. In case of the linked value added savings account, the accrued interest on the FD's created will be paid on maturity or on withdrawal in case of premature withdrawal. 8. Do I need an introduction from an existing ICICI Bank account ho lder? An introduction by an existing ICICI Bank Account holder is generally requ ired for establishing a relationship. However, no introduction is need if proof of identify is furnished at the time of account opening. 9. Who can I include as joint application? 10. Anyone can be included as a joint applicant for a saving s account except a minor (less than 18 years of age) How can I change the nomine e(s) for my ICICI bank saving account? You can change the nominee(s) by making a declaration to that effect, in the appropriate form, which is available at any of the ICICI bank branches. 11. Do I have any facility for standing instructions ? Yes, you can set up standing instructions through you ICICI Transfer to a fixe d deposit. Transfer to a recurring deposit. Make recurring payments like LIC pre mium, bank savings account. A few examples of the same are as below: installments etc.

12. What is the difference between an ICICI Bank savings account and an ICICI bank v alue added savings accounts? A Value added savings account allows you to set a m inimum balance (subject to a minimum of Rs. 10,000) to be maintained in your sav ings account. Any amount in excess of this, automatically gets as specified by y ou. So you enjoy a higher effective rate of interest on your deposit. When you n eed the money, you can withdraw it by issuing a cheque or through an ATM. The de posits get broken in multiples of Rs. 1,000 automatically. Thus, you don't lose out on liquidity either. 13. Can I minimum balance to be maintained in my saving account and automatically tr ansfer any excess amount to an ICICI Bank fixed deposit? Yes, the value added sa vings account allows you to do that. You can set a minimum balance (subject to a minimum of Rs. 10,000) to be maintained in your saving account. 14. What are the different channels through which I can access my ICICI bank savings account? ICICI Bank branches ICICI Bank.com ICICI Bank ATMs Phone Banking 15. How do I transfer my account from one branch to another? When a customer wants h is/her customer ID at one branch to be transferred to another branch, he/she has to give his/her request in writing along with his/her unused chequebooks. The b ank will close the customer ID and arrange to open a new Customer ID at

the other branch and will issue will tissue new chequebook, etc. this service is free of charge. 16. How is the payment of interest done in savings bank account and FDs? Interest is paid on the minimum credit balance maintained between the 10th day and last day of each calendar month in savings account at the rate in f orce in accordance with RBI directives. Interest is paid every half year in Sept ember and March. Interest on fixed deposits is reckoned / paid at quarterly inte rvals, at the rates applicable at the time of acceptance as the case may be, in accordance with RBI directives. 17. What is customer identification number? Each relationship with a customer is represented by a customer identification number (Customer ID), which is for the present, branch specific, for instance, a relat ionship in a single name is different from a relationship in joint names. Each c ombination of relationship is distinct and unique and hence is identified by a s eparate customer ID.

BANK@CAMPUS Features Saving Account Accessibility ATM card through Benefits Host of value ad ded services along with convenience phone, 24hrs banking experience (Deposit, wi thdrawals, requests, inquiries, utility payments) No need to physically visit a b ank, no hassles Wide network acceptability Reward points earn while you spend Wi thdrawal upto Rs. 15,000/Internet and Ncash debit cum enough to take care of major Free inward remittance expenses of students No char ges or fund transfers from ICICI bank convenience at no cost Free supplementary credit card Sense of security, peace of mind Personalized cheque book Sense of p ride Low average quarterly balance (Rs. Easy to maintain, more liquidity 500/-) Annual free statement of account Able to track your transactions without tedious paperwork and at no cost DOCUMENTATION Tier I An introduction from an ICICI Ban k account holder (six month old)

Or Tier II Proof Document Proof of identity College Identity card Proof of birth (to ensure that the Passport / birth Certificate/ School applicant is at least 18 years of age Leaving Certificate at the time of opening the account.

QUESTIONNAIRE 1. How do I approach ICICI Bank to open a Bank@campus account? You can approach us in any of the following ways: 2. Apply online Write to us at info@icicibank.c om Call us at our 24 hour customer care centre You can just walk into any of our branches What is the minimum balance required to be maintained for an ICICI Bank Bank@cam pus account? The minimum average quarterly balance required to be maintained to your Bank@campus account is Rs. 500/3. At what frequently will the interest be paid to me? Interest earned on the balan ce in your account shall be credited to your account on a half yearly basis in t he month of September and March. 4. How can I change the nominee(s) for my ICICI Bank bank@campus account? You can c hange the nominees by making a declaration to that effect, in the appropriate for m, which is available to any to the ICICI Bank branches. 5. What are the different channels through which I can access my ICICI Bank bank@ca mpus account? You can access you bank@campus account through: ICICI Bank.com ICI CI bank ATMs Phone banking

YOUNG STARS ACCOUNT (FOR : CHILDREN BETWEEN 1-18 YEAR OF AGE) Young stars is a banking service for c hildren aged 1-18 years, brought to you by ICICI bank to help the parents meet t he present and future aspirations that they hold for their child. It offers vari ous savings and investment options to the parent along with teaching the child t o manage his/her personal finance in a more responsible and independent manner. FEATURES 1) 2) 3) Option of a saving bank account, fixed deposit account or recu rring deposit account. Minimum balance at Rs. 500/- per quarter for saving bank. A special recurring deposit account with additional features as below: a) The p arent would put forward the desired amount to be earned at the end of the tenure . Based on the prevailing rate of interest, the bank staff would then back calcu late the installments to be deposited now till maturity. b) Other RD type saving s options that are possible for the parent include investing sums periodically a nd then receiving sums back from the bank periodically. The various RD option wo uld be available through the "Annuity to Annuity" product already developed by t he bank. 4) 5) 6) 7) 8) Free personalized chequebook. Free Domestic Debit Card* for the child above the age of 10 years with features as below; Daily withdrawal s limits of Rs. 1,000/Daily spend limits Rs. 1,000/Free Internet banking.

9) 10) 11) 12) 13) Separate user Ids passwords for both parents and children. Special shopping powe rs upto Rs. 1000 for the children above 10 years of age. Access to special zones and links to related websites for making Internet banking a memorable experienc e. Facility to transfer funds from parent account to kid account to enable paren ts to inculcate savings habit amongst children. Facility of setting up a sweep a ccount from the young stars accounts to the RD to enable the parents to let thei r child earn more. 14) Alliances with various partners to meet the child's needs in varied interest are as such as clothing, computers, books, music, toys etc. Features Benefits Free distinct personalized cheque Child can gift a cheque with his book name sense of pride and independence Free debit card with a withdrawal / Sense of pride and independence spend limit of Rs. 1000/- (for At the same time complete children above 10 year s of age) Linked to the infinity account Mental peace for the parent Free transf ers of funds from your account convenience at no cost 2 passwords: Child's for logging Prevention from making wrong parents for transactions transaction peace of mind of parent Internet banking consisting of fun The child loves to go on to the site a nd game web pages and as a result learns more about

money matters. Option of opening value added Provides liquidity and interest rat es saving account of a fixed deposit Flexible recurring deposit "better savings better liquidity" Special offers and discounts at Allows parents to save for the various stores on computer, books, child's music, toys, clothing etc. future of with complete and flexibility investing withdrawals Low average quarterly balance (Rs. Makes banking a lot of fun and 50 0/-) Annual free statement of account excitement for the kids Easy to maintain A ble to track your transaction without tedious paper work and at no cost.

KEY BENEFITS: 1. 2. 3. 4. Tier I Proof of identity: Passport Or PAN (along with self cheque draw on existing bank) Tier II Provide at least one each from list A & list B (along with guardians self cheque drawn on existing bank). Employee ID Card Driving license Salary Slip Income/wealth order Letter from employer givin g current residential address tax Electricity bill (the latest) Telephone bill ( the latest) Copy of LIC policy or latest premium receipt assessment Latest credi t statement A bank account that helps parents meets the present and future aspir ation of their child. A bank account cuts across all age group and connects well with both kids and teens. A bank account that teaches children to manage their personal finances more responsibility. A bank account that increases child inter action and excitement. QUESTIONNAIRE

1. What are eligibility criteria for opening an ICICI Bank young stars account? ICI CI bank you stars account is a banking service for children in the age groups of 1-18 years. 2. How do I approach ICICI Bank to open a young stars account? Write to us at info@ icicibank.com Call us at our 24 hours customer care centre. You can just walk in to any of our branches. 3. What is the minimum balance required to be maintained for an ICICI bank young st ars account? The minimum average quarterly balance required to be maintained for a youngsters account is Rs. 500/4. Will debit cards be issued the name of minors? Yes, however, in order to issue t he debit card to minors, the bank will get into an agreement with the parent/ le gal guardian. The parent/ legal guardian will indemnify the bank from all risks as listed below. The parent/ legal guardian will sing the agreement before apply ing for the debit card. 5. At what frequency will the interest be paid to me? Interest earned on you saving account balance shall be credited to your account on a half yearly basis in the months of September and March. 6. Do I need an introduction from an existing ICICI bank account holder? An introdu ction by an existing ICICI bank account holder is generally required for establi shment a relationship. However, no introduction is needed if proof of identify i s furnished at the time of account opening.

7. How can I change the nominee(s) for my ICICI Bank bank@campus account? You can c hange the nominee(s) by making a declaration to that effect, in the appropriate form, which is available to any to the ICICI Bank branches.

8. What are the different channels through which I can access my ICICI Bank young s tars account? You can access your young stars account through: ICICI Bank.com IC ICI bank ATMs (for the age group above ten years) ICICI Bank branches

TERM DEPOSITS FIXED DEPOSITS ICICI Bank offers you term deposits or fixed deposits that offer you an attractive investment opportunity for your money. The key features and be nefits are: Safety: It is offered by ICICI Bank which is now, the 2nd largest bank in the country with total assets over 100,000 crores. The ICICI gro up has more than 710 lakh investors ICICI, the parent company, which has now mer ged, across the country. has been in operation since 1955 and has enjoyed a AAA rating on its bonds insurance's. ICICI Bank now has a bank network that spans more than 233 cities across the country with more than 450 branches, 1675 ATMs and su pported by phone banking and internet banking. Liquidity: You can deposit for a period ranging from 15 days to 10 years. And for deposits over 15 lacs, you can invest for as short a period as 7 days. Also you can withdraw anytime you like a nd for premature withdrawal no penalty on deposits upto 15 lacs is levied. Retur ns:

The interest rates are quite attractive (Refer latest The interest on cumulative fixed deposits is interest rate circular for more details). compounded quarterly. And you can inve st in a recurring deposit on which TDS is not applicable. The other features of the product are: Choice of two investment plans: Traditional Interest payable mo nthly, quarterly or half yearly as per you convenience. Maturity period ranges f rom 15 days to 7 years. Reinvestment Interest is compounded quarterly and reinve sted with principal amount. Maturity period ranges from 6 months to 10 years. Mi nimum balance You can avail of ICICI Bank fixed deposits for a minimum deposits of Rs. 10,000 and thereafter in multiples of just Rs. 1,000. Nomination Nominati on facility is available for relationship in the names of individuals. Unless ot herwise specifically, given in writing by deposits, nomination in deposits accou nts will be at customer ID level. Depositors(s) however has/ have the right to s pecify different nominations at account level by completing appropriate forms. F urther, the applicant (s) is/are at liberty to change the nominee, through decla ration in the appropriate from to revise the nomination during the currency of t he relationship accounts with the bank.

Auto renewal facility Fixed deposits get renewed automatically on maturity for t he game tenure as the original deposit so that you don't lose interest even for one day. This facility is available on request. Tier I Proof of identity: Passpo rt Or PAN (along with self cheque draw on existing bank) Tier II Provide at leas t one each from list A & list B (along with guardians self cheque drawn on exist ing bank). Employee ID Card Driving license Salary Slip Income/wealth order Lett er from employer giving current residential address RECURRING DEPOSITS Benefits Encourages savings without stress on your finances. High rates of interest (iden tical to the fixed deposit rates). Non-applicability to Tax Deduction at Source (TDS). Minimum Balance The minimum balance of deposit is Rs. 1,000 per month and thereafter in multiples of Rs. 100. tax Electricity bill (the latest) Telephone bill (the latest) Copy of LIC policy or latest premium receipt assessment Lates t credit statement

Period of Deposit The minimum period is 6 months, and thereafter in multiples of 2 months. NOTE: For joint accounts, the above documents are required for both, the applicant as well as the joint applicant, unless the joint applicant is a bl ood relative (parents, spouse, children) of the applicant. As per the reserve ba nk of India guidelines, which are mandatory, photographs of all applicant(s) / p ower of attorney holders (i.e. who are authorized to operate the account under t he relationships) should be furnished to the bank. As per the reserve bank of In dia guidelines, PAN number or form 60/61 (where PAN No. is not available) is req uired to be furnished for opening a relationship. Applicants desirous of a savin g account need (s) to sign a relationship form and declare therein that he/ she / they has/ have agreed to abide by the rules which are in force from time to ti me. Each relationship with a customer is represented by a customer identificatio n number (customer ID), which is for the present, branch specific. Each combinat ion of relationship is distinct and unique and hence is identified by a separate customer ID. For instance, relationship in a single name is different from a re lationship in joint names. PRODUCT FEATURES PRIVATE BANKING

OFFERING 1. 2. 3. 4. 5. 6. 7. 8. At par cheque book Personalized pay in slip boo k Debit card personalized photo signature card with enhanced limits (as of now l imit is Rs. 25000/-). Exclusive private banking phone banking services available with mobile banking free of charge. Home loans administration fee 0.50% of loan amount or Rs. 7500 whichever is lower. Demat Buy and Sell Rates 0.02% and 0.02% of transaction value. E-instruction registration Free of charge. Web trade Init ial brokerage rate 0.75%.

SALARY ACCOUNTS Your employees automatically become ICICI Bank Salary Account holders with speci al benefits and privileges and receive instant salary credit. DEBIT CARD We offe r a free domestic card to our salary account customers to provide them access to our extensive ATM network. The card also allows them to shop at over 11,000 mer chant establishments. Interested employees can also apply for our international debit card 'N-cash is a Visa electron card which give the cardholder access to m ore than a million merchant establishments and Visa ATMs all over the world. The card comes with a unique points system through which the cardholder earns point s every time a merchandise transaction is made. These points can be exchanged fo r the first year. CCIL SILVER CARD Salary account holders have the privilege of receiving the ICICI bank silver credit card (Corporate Card with Independent Lia bility) free for first year. Personalized cheque book In keeping with our commit ment to offer world-class facilities to our account holder, we shall personalize d your employees cheque books by printing their name on each leaf. Free Internet Banking ICICI Bank internet banking, ICICI Bank's internet banking facilities g ive your employees the freedom to operate their account

from the convenience of their home, office or from anywhere in the world. Online funds transfer No need for cash withdrawals and cheque deposits. We give your e mployees the facility to transfer funds online from any part of the world. Mobil e banking You employees can receive alerts on their mobile handsets providing th em information about their ICICI bank accounts and ICICI credit cards account. P hone Banking Your employees can use our phone banking facility to do banking tra nsactions through our customer care centres. Free Utility Bill Payments Non-queu es No wasted minutes. Now your employees can pay utility bills like electricity, phone bills etc. using ICICI bank Internet banking. Reimbursement account If yo u opt to disburse/ reimburse the travel, food etc. expenses via reimbursement ac counts, a reimbursement account can be opened simultaneously along with the sala ry account saving bank account, which would be linked together with the debit ca rd already held by your employee. Welcome Kit No more waiting for weeks to get y ou cheque book and debit cards. ICICI Bank salary account customers will have th e facility of filling up a form and getting their cheque books and debit cards i mmediately.

Free remittance facilities Salary account customers can avail of free remittance facilities (demand drafts, cheques, pay orders) up to Rs. 25, 000 within the IC ICI bank network. Overdraft facility* Employees get an automatic emergency overd raft facility based on their take home salary. This would be adjusted in their f ollowing salary credit. Relief Bonds/ Mutual Funds/ Insurance Salary account cus tomers can now invest in government of India relief and saving bonds, a basket o f mutual funds, foreign exchange facilities and insurance products through ICICI bank. Cash delivery and cheque pickup facility** If your office is located far away from our branch of ATM, we can deliver cash to you or pickup your cheques t o be deposited. Savings account for family members Savings account for your fami ly members with reduced minimum balance and all facilities. Demat Services A Dem at account will let your employees transact in shares instantaneously in a safe and secure manner.

QUESTIONNAIRE 1. How do I open an ICICI Bank Salary Account ? If your organization has an ICIC I Bank salary account 2. Apply online Call us at our 24 hours customer care cent re You can just walk into any of our branches Write to us at info@icicibank.com relationship you can approach us in any of the followings ways: What document do I need to submit for opening an ICICI Bank salary account? Foll owing documents are required to open an ICICI bank salary account: Introduction by the company (Stamped and signed by Photocopy of the Pan Card. Address proof ( only in case if you prefer a mailing the authorized signatory). address other than your company's address). Any one of the following documents w ill suffice as valid address proof: Latest electricity bill Latest photocopy tel ephone bill. Any latest credit card statement. Letter from employer giving curre nt residential Coy of ID Card / Salary slip address.

3. Do I require and introduction from an existing ICICI ning a salary account? No introduction is required ccount holder for opening a salary account, proof of n from an authorized official of your Human Resource 4. What is a reimbursement account? How does it benefit me? You management can choo se to disburse the reimbursements payable to you through a zero balance current account, which is known as a reimbursement account. You will not have to spend t ime standing in a queue in your organization to collect you reimbursement. It al so helps you in filling your tax turns. The reimbursement account can be opened simultaneously along with the ICICI bank salary account, which would be linked w ith the debit card held by you. 5. How do I get my account transferred from one ICICI bank branch to another? To transfer you account from one ICICI bank branch to another your will have to fill up the transfer to account from available with the branch and surrender you r cheque book. You may retain you debit card and instruct to link the same card to your new account. 6. What all can I do with the Internet banking facility offered to me with my salar y account? Given below is a small list of transactions that you can do Balance i nquiry online: Bank account holder for ope from an existing ICICI bank a your employment / validatio department is sufficient.

Transaction history Use ICICI bank funds transfer (e-cheques) to : Transfer funds between your own ICICI Bank A/cs Transfer funds to nay ICICI bank A/c Transfer funds to any non ICICI bank A/c (in 8 cities) Make service request s like open a fixed deposit, duplicate pin etc. Credit card Demat 7. View you transaction and holding statement Use your ICICI b ank account or ICICI Credit card to Bill Payment pay your bills form the comfort . What all can I do with the phone banking facility offered to me with my salary account? Phone banking gives you the convenience of 24hrs banking on your finge rtips. You can do all the following and many more transaction on the phone: Bala nce inquiry Cheque status Cheque book request Stop payment request View current and past statement Service requests like auto debit, dial a draft etc.

8. What all can I do under anywhere banking facility offered to me with my salary a ccount? Anywhere banking facility allows you to operate your account from a bran ch other than the branch where you have opened you account. The various activiti es you can undertake under anywhere banking facilities are: Cash withdrawal up t o Rs. 15,000 per day Cash deposit up to Rs. 50,000 per day Balance inquiry Accou nt statement 9. As an an he 10. If I am working for a company, which sends me to the US for a couple of years or so, can I still continue getting the benefits of ICICI bank? ICICI bank has a p roduct tailor made for customers like you. We have tied up with Wells Fargo in U S and you can apply for a Wells Fargo bank account here itself. If you have a ba nk account with ICICI bank and a satisfactory banking record you can apply for t his facility will be provided to you if you are going to US on B, L, H visa or w ork permit. For more details contact the nearest ICICI bank branch. 11. How do I change the nominees for my salary account? a salary account holder, can I open a joint account and with whom? Yes, you c open a joint account with your spouse or your blood relative by providing us acceptance letter from your company stating that they have no objection for t same.

You can change the nominee(s) by making a declaration to that effect, in the appropriate form, which is available at any of ICICI bank br anches.

RESEARCH METHODOLOGY Research Methodology is the way to systematically solve the research problem. It may be understood as science of studying how research is d one scientifically. Research Methodology Includes:1) Research Design 2) Sample D esign 3) Collection of Data 4) Analysis and Interpretation of Data 1) Research D esign A Research Design is the arrangement of conditions for collection and anal ysis of data in manner that aims to combine relevance to the research purpose wi th economy in procedure. In fact, the research design is the conceptual structur e within which research is conducted. 2) Sample Design Sample Design deals with the method of selecting items to be observed for the given study. 3) Collection of Data The task of data collection begins after a research problem has defined and research design chalked out. While deciding about the method of data collect ion to be used for the study the researcher should keep in mind the types of dat a viz. Primary and secondary. I have collected the Primary Data, which is origin al in character, collected with lot of effort, sincerity time and money. There a re several methods of primary data collection. But I have taken Questionnaire Me thod.

Questionnaire Method This method of data collection is quite popular, particular ly in case of big inquiries. In this method a questionnaire is sent to the perso ns concerned with a request to answer the questions and return these questionnai res after filling them. A questionnaire consists of a number of questions printe d or typed in a definite order on a form or a set of forms. 4) Analysis and Inte rpretation of Data In the survey for the services provided by the ICICI bank I hav e taken 150 respondents from New Delhi. I have done the analysis of data, with d escriptive statistics which is collected through questionnaire. On the basis of the analysis I interpreted the percentage.

FINDINGS

FINDINGS Advantage Employers Successful business owners know that it is better to be an e xpert on the product or service you are selling and let someone else be the expe rt on other tasks. One such 'other task' is the payroll. Outsourcing the adminis trative task of payroll, is one way you can invest more time into your own busin ess and waste less time worrying about keeping up with the ever changing and com plex rules and regulations governing payroll. Top reasons to outsource payroll p rocessing. TAXES Market research shows that one out of every three employers has been charged for a tax related payroll error. This equates to billions of rupee s in penalties. A payroll service provider keeps you out of such statistics. AFF ORDABILITY Have you every thought about how much your time is worth? Consider ho w much time you spend managing payroll. This equates to time taken away from rev enue producing activities. At the very least, consider the cost of computer equi pment and software as well as the extensive training that is needed to run payro ll internally. Outsourcing with the right payroll service provider will save you time and money. PROFITABILITY Do you remember why you went into business in the first place? Certainly it wasn't to calculate state taxes. Outsourcing your pay roll gives you the freedom to get back to your business.

TIME You have better things to do with your time than calculating payroll. Getti ng salary cheques out on time is not only expected but also a positive reflectio n on your company. PRIVACY It can be embarrassing and detrimental to moral if th e wrong eyes fall on the salary cheques. Confidentiality is much easier to maint ain when payroll is outsource, particularly when your employees use direct credi t. MIS Payroll companies offer a wide array of standard reports that are informa tive and easy to read. Keep you records neat and concise with these invaluable r eports. FLEXIBILITY As your business changes, so do your payroll needs. Dont get bogged down with the nuts and bolts of personal changes. Leave the details to an expert while you focus on your business. PROFESSIONALISM What better way to sho w your employees that your company is professional and secure? Outsourcing your payroll coupled with all benefits of ICICI bank savings accounts will enhance yo ur successful image and will make your employees happy. After all a happy employ ee is a productive employee.

Analysis & Interpretation

1. Are you using any of the services provided by ICICI Bank? a) b) Yes No 40% 60% Yes 40% Yes No No 60% 2. If yes, which of these: a) b) c) d) Saving accounts Bank@campus Young stars Sala ry accounts 50% 16% 4% 30% Salary accounts 30% Saving accounts Bank@campus Young stars Salary accounts Young stars 4% Bank@campus 16% Saving accounts 50%

3. Do you think that minimum balance to be maintained quarterly should be there or not? a) b) Yes No 5% 95% Yes 5% Yes No No 95% 4. Are you aware of all the services provided by ICICI Bank? a) b) c) Fully aware P artly aware Not aware 10% 70% 20% Not aware 20% Fully aware 10% Fully aware Partly aware Not aware Partly aware 70%

5. Do you face any problem in any of banking transaction in ICICI Bank? a) b) Yes N o 4% 96% Yes 4% Yes No No 96% 6. Do you use mobile banking service regarding bank accounts and credit cards accou nts? a) b) Yes No 5% 95% Yes 5% Yes No No 95%

7. Do you use Internet banking for bill payments? a) b) Yes No 40% 60% Yes 40% No 60% Yes No 8. Do you enjoy Dmat services provided by ICICI Bank? a) b) Yes No 68% 32% N o 32 % Ye s 6 8% Yes N o

9. Are you satisfied with all the services provided by ICICI Bank? a) b) Yes No 70% 30% No 30% Yes No Yes 70% 10. If no, what are the reasons for dissatisfaction? a) b) c) d) Balance to be maint ained Interest rate Query Handing Others 60% 10% 15% 5% Query Others Handing 6% 17% Interest rate 11% Balance to be maintained Interest rate Balance to be maintained 66% Query Handin g Others

CONCLUSION

CONCLUSION ICICI is second largest bank of India after SBI. It is a prestigious financial i nstitution in the country catering to a wide array of customers needs like. Cre it card Auto and two wheeler loans Personal loans Consumer durable loans Commerc ial loans Life and non life insurance Online trading ICICI also offers a suit of products and services designed specially for various organizations. This packag e of facilities is not available to general customer of the bank and has been de signed specifically keeping their needs in mind. On the basis of data collected from customers and its analysis and interpretation following conclusion can be d rawn: Most of the customers are partly aware of all the More than half of the cu stomers are not satisfied with services and schemes of ICICI. the balance which is to be maintained quarterly in saving accounts and bank@ campus. Customers are not aware of the mobile banking and The reasons behind dissatisfaction of the c ustomers Query handling Balance to be maintained most of them don't use it. are some times:

SUGGESTIONS

SUGGESTIONS ICICI bank offers the customer excellent & value added benefits. It offers depos its or fixed deposits that offer an attractive customer opportunity for money. M arketing efforts put by ICICI are laudable. Following points may be term into co nsideration to generate customers mare interest in sales of various products of I CICI hence: 1. For saving accounts: In saving accounts the minimum balance to be maintained quarterly is Rs. 5,000 which should be decreased somewhat for the co nvenience of customer. 2. For Bank@campus In the bank@campus minimum balance to be maintained quarterly is Rs. 500 which should be decreased some what for the c onvenience of students. 3. Salary accounts In the salary account the salary of t he employees should be deposited on 1st and 2nd of the month instead of in the m id of month. 4. Awareness Programmes : To make customers fully aware about all t he services of bank awareness programmes should be started so that they may util ize them fully. More and more people should be induced mobile banking and intern et banking.

ANNEXURE

QUESTIONNAIRE Name Address Occupation : 1. : : _____________________________ _________________ ____________ _____________________________ Are you using any of the services provided by ICICI Bank? a) Yes b) No 2. If yes, which of these: a) c) Saving Accounts Young Stars b) Bank@campus c) Sala ry Account 3. Do you think that minimum balance to be maintained quarterly should be there or not? a) Yes b) No 4. Are you aware of all the services provided by ICICI Bank? a) c) Fully Aware Not aware b) Partly aware 5. Do you face any problem in any of banking transaction in ICICI Bank? a) Yes b) N o 6. Do you use mobile banking service regarding bank accounts and credit cards accou nts? a) Yes b) No

7. Do you use Internet banking for bill payments? a) Yes b) No 8. Do you enjoy Demat services provided by ICICI Bank? a) Yes b) No 9. Are you satisfied with all the services provided by ICICI Bank? a) Yes b) No 10. If no, what are the reasons for dissatisfaction? a) c) Balance to maintained Que ry Handling b) c) Interest rate Others 11. Any suggestion regarding improving the services of ICICI? ______________________ _________________________