V Primary Function-

Accepting Deposits

Lending Money
V Fixed Deposit

V Savings Bank Deposit

Recurring Deposit

V Current Deposit
V Loans

V Cash Credits

V Overdrafts

V Bills Discounted and Purchased

! Orange savings account
! Advantage salary account
! Aspira Corporate Salary Account
! Orange salary account
! Solo savings account
! Saral savings account
! General savings account
! Freedom account
! ING Formula Savings account
V Aspira Corporate Salary solution
aimed at corporates

Automated salary upload

Complimentary upgrade to ING Platina

Preferred Banking for senior employees

Special pricing on loans (based on company

categorisation)

Priority servicing at any branch

! As an introductory offer, you will get
complimentary entry passes to over 30
exclusive night clubs across eight cities.

! Fill fuel across in any petrol pump in India

and get the 2.5% surcharge waived

! Whenever there is a Formula 1 race

anywhere in the world, there is a race for
you as well. Shop using your ING Formula
debit card on the day of the race and top 25
spenders for the race day wins vouchers from
ING
V3 winners ² Gift vouchers worth Rs 5000/-

V 10 runner ups ² Gift vouchers worth Rs

2000/- 12 second runner ups ² Gift vouchers
worth Rs 1000/-

V 12 second runner ups ² Gift vouchers worth

Rs 1000/-
˜
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 ( Individual, Joint (not more
than 4), a Guardian on behalf of a minor,
HUF, Partnership, a Company, Association or
any other Institution

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ã ã ( Minimum Rs.1000/-

Maximum - No ceiling
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Minimum 5 months
Maximum 120 months

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Depending upon the periodicity of the deposit

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 ( Facility of part withdrawal of
deposits in units of Rs.1000/- keeping the rest of
the deposit to earn contracted rate of interest,
available.
V Interest compounded quarterly
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(

   can be in the name of the
individual for himself or in the capacity of the
Karta of a Hindu undivided family (HUF)
V
ã ã ( Minimum - Rs.100/-(In multiples of
Rs.100/- thereafter)

Maximum - Rs.1, 00,000/- per person

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 ( 5 YEARS
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V EXTRA FACILITY( Deduction from income upto

Rs.1 lakh under Sec.80C of The I T Act, 1961;

Higher rate of interest.

INNOVATIVE ADVANCE PRODUCTS(

V TEACHERS LOAN

V CAN MAHILA
V  ! To meet any genuine personal
needs.

V ã"#$! All confirmed teaching / non-

teaching staff working in a school / college -
drawing salary through our branches

V Î% !6 months' gross salary or

Rs.1,00,000/- whichever is less.
V  " &" !1% of the loan amount
with a minimum of Rs.50/- .

$%  !
V Upto 60 months. EMIs also possible
V ELIGIBILITY(

Aged between 18 and 55 years, Married or

single, Non salaried (housewives also),
Engaged in business or self-employed.

V LOAN AMOUNT( UPTO RS,25000/-

V PROCESSING FEE( 0.5% of loan amount

(minimum Rs.100/- & maximum Rs.500/-)
INNOVATIVE DEPOSITS (

V ADVANTAGE WOMAN SAVINGS ACCOUNT

FEATURES(
V    '$ (& 
 ' )
* +,---*..
Now just maintain a Recurring Deposit of Rs. 2,000 with
ICICI and get a hassle free zero balance savings account.

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  /%0  #  along with

the account with a withdrawal / spending limit of Rs.
25,000 per day.

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 # *

V $# 11 & 2 #3

With the Advantage Woman account, you get a free, multi-
city cheque book.
V ã"#$( Resident Indian Woman, >18yrs

V %%  " 2 $ # (

Rs.10,000

V &"  '  %  ' %%%

2 $  " # ( Rs.750 per
quarter
! Baroda Loan to Doctors
-for projects related to setting up / expansion of nursing
home / hospital / clinic and pathological lab etc.
-demand / term loan and / or overdraft
! Baroda Fast Access Deposit Scheme
An additional 0.50% interest for senior citizens
-overdrawing of account up to 95% of deposits
-Join this deposit product with a minimum deposit of Rs.
10,000/-
-Subsequent deposits in multiples of Rs. 1000 (under RIRD
plan).
!  &$
! Should be the owner of a residential property
(house or flat) located in India in his/her own
name
! The Commercial property will not be taken
as a security under the product
! Married couples will be eligible as joint
borrowers provided one of them is above 60
years of age and age of spouse is not below
55 years at the time of application.
V  1 4 5 6" 7
This is a Special kind of Savings Bank Deposit product for
children to be made available in Gen-Next Pune branch.

Minor above 10 years can open the account in the sole name

QAB( Rs 500/-

Charges for non-maintenance of QAB is Rs 50/ per quarter only

V 3   ' 

V SuperSavings Account

1. Minimum balance of 5000

2. Instant banking

3. Family account

4. Bank on the move

5. Travel and gift solutions

V DBI ¶Super Shakti· Account for Women

1. Account opening balance of Rs 1000/-

2. AQB of 5000

3. A zero balance account for your child

4. Locker service at a concessional rate.

V /ãã
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Offers it over a cut off limit in CA/SB a/c.

Min amt as per a/c held.

Term deposits can also be converted.

Int rates - applicable to term deposits

Tenor ² 30 days to 24 months.

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Higher return with flexibility of varying monthly
instalments

Op bal ² Rs 1000

Tenor ² 7 days to 120 months

Recurring deposits are treated as units of Rs100.

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To landlords

Loan or OD

Rs 5lacs to RS 100 lacs

Margin ² 25%

Repayment - rental income

Security ² Property let out.

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Solve liquidity problem without liquidating long term
investment.

Security ² Mutual Fund unit

Amt ² Rs 20 lacs

Margin ² 50% of the repurchase value.