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/our communicationaddress or any details supplied.

8. N O M IN A T IO NY es
7. The Companyreserves the right to reject any applicationwithout providingany reason. That the
Companyreserves the right to retain the applicationforms and documents provided therewith,
I/We MANEPALLI (names(s) and& waddresses
includingphotographs, ill not return(es)
the sameoftothe
us. depositor(s)) nominate the
following person (details provided hereunder) to whom in the event of my death the amount
8. I hereby of all
declare that deposit in the
particulars and account,
information particulars whereof form
given in this application are (and
givenall
belo w, may be returned by ICICIHome Finance Compan y, documents referred
Branch or provided
(name therewith) are
and address true, correct,
of branch complete
in which and up to
deposit date in all
is held).
respects are to the best of my knowledge,belief and information.
9. I further declare that the deposit made under the deposit application is through legitimate
source and does not include directly / indirectly any proceeds of schedule of offence and /
or is not designed for theRelationship
purpose of contravention
Nature of Distinguishing no. Additional details, Name Address with or evasion
Age underIf any law.
nominee is a mino r,
If any 10. I have no objection to the Company
deposito r, and its group companies,his
if any brokers
date/ representatives
of birth to
provide me information on various products, offers and services provided by Company/
its group companies through any mode (includingtelephone calls / SMS / emails) and authorize
ramesh Company., its group companies, brokers / representatives for the above purpose: YES
NO.
As the nominee is a minor on this date, I/We appoint Shri/Smt./ Kum (Name,
address and a g e ) t o receive the amount of the deposit on behalf of the nominee in the event of my/our/mino r’s death during the minority of the
nominee.
___________________________
Place: Kakinada Signature (s)/Thumb impression(s) of depositor
D E C L AAT
R IO N SB Y T H EA P P L IC A N T
1. Date:
I have 12/10/2009 12:00:00
read and understood andAMhereby agree to the terms and conditions as applicableto my
Name:
account____________________________________________________________________________
set forth. I/We understand that the terms and conditions are subject to Signature(s) __________________________
changes/revision
Addresses (es) from time to time
of witness at ___________________________________________________________________________________________
(es) the sole discretion o f IC IC IHome Finance/or as required
under applicablelaws
/ regulations.
2. I hereby declare that the Depositormentioned in my applicationis the beneficialowner of this
deposit but, on demise of the Depositor, the deposit may be payable to the survivor or the
nominee,as applicable.The beneficialow ner should be treated as the payee for the purpose of tax
deduction at source under Section 194A of the Income Tax Act, 1961.
3. I have gone throughthe financialand other statements / particulars/ representations furnished/
made by the Company and after careful consideration I am making the deposit with the
Companyat my own risk and volitionof this information.
4. I agree, undertake and authorizethe Companyand Company'sGroup Companiesto exchange,
share and part with all the informationrelating to my / our investment / financialdetails and
financialhistory informationincludingthe details as contained in this form to the Company /

Suffered by Company / Company's Group Companies due to my providingof any incorrect
communicationaddress and/or failureon my/our part to communicatethe change/alterationin
agreements and undertakingsand submit this applicationform for the purposes ofthi my
D E C L AAT
R IO N SB Y T H EA P P L IC A N T /our communicationaddress or any details supplied.
1. I have read and understood and hereby agree to the terms and conditions as applicableto my 7. The Companyreserves the right to reject any applicationwithout providingany reason. That the
account set forth. I/We understand that the terms and conditions are subject to Companyreserves the right to retain the applicationforms and documents provided therewith,
changes/revision from time to time at the sole discretion o f IC IC IHome Finance/or as required includingphotographs,and w ill not return the same to us.
under applicablelaws 8. I hereby declare that all particulars and informationgiven in this application form (and all
/ Regulations. documents referred or provided therewith) are true, correct, complete and up to date in all
2. I hereby declare that the Depositormentioned in my applicationis the beneficialowner of this respects are to the best of my knowledge,belief and information.
deposit but, on demise of the Depositor, the deposit may be payable to the survivor or the 9. I further declare that the deposit made under the deposit application is through legitimate
nominee,as applicable.The beneficialow ner should be treated as the payee for the purpose of tax source and does not include directly / indirectly any proceeds of schedule of offence and /
deduction at source under Section 194A of the Income Tax Act, 1961. or is not designed for the purpose of contraventionor evasion under any law.
3. I have gone throughthe financialand other statements / particulars/ representations furnished/ 10. I have no objection to the Company and its group companies, brokers / representatives to
made by the Company and after careful consideration I am making the deposit with the provide me information onvarious products, offers and services provided by Company/ its
Companyat my own risk and volitionof this information. group companiesthrou gh any mode (includingtelephone calls / SMS / emails) and authorize
4. I agree, undertake and authorizethe Companyand Company'sGroup Companiesto exchange, Company. its group companies, brokers / representatives for the above purpose: YES
share and part with all the informationrelating to my / our investment / financialdetails and NO.
financialhistory informationincludingthe details as contained in this form to the Company /
Company'sGroup Companies / FinancialInstitutions / Credit Bureaus / Agencies / Statutory
Bodiesas m ay be requiredand shallnot hold Com panyand Company'sGroupCompaniesliablefor 11. I declare that I am competent and fully authorised to issue such declarations, confirmations,
use/sharing this information. agreements and undertakingsand submit this applicationform for the purposes ofthis deposit,
5. I furtherdeclare that, I am authorizedto make this deposit under the Scheme as specifiedin Terms and to execute all other documents requiredby IH F Cfor such purpose.
and ConditionsgoverningIC IC HomeI FinanceFixed Depositand that the amount to be kept in the 12. This application form has been duly and validly executed by me or on my behalf and when
deposit has been acquired through legitimatesources and does not involvedirectlyor indirectly accepted/acted upon by the Companywouldconstitute legal and valid obligationsthat are binding
any proceeds of a scheduledoffenceunder the Preventionof M oneyLaunderingA ct, 2002 and / or on and enforceableagainst me in accordance with the Terms hereof. I / confirmthat the initialson
is not designed for the purpose of contraveningor evading any of the provisionsof the Prevention this ApplicationForm are made by me/us and the validityof such initials shall not be disputed
by of Money Laundering Act, 2002 and /or any rules, regulations, notifications, guidelines or me.
directions made there under and as amended from time to time. I shall provide any further 13. I agree and understand that in the event I avail ofany services / products / facilitiesoffered by
ICIC Iinformationand fully co-operate in any investigationas and when required by the Companyin Home Finance. I sh all be bound by all the terms and conditions published on IC IC I
B ank Website accordance with the applicableLaw. www.icicibank.com.
6. I shallinform the Companyregardingany change in my residence / employmentand to provide 14. I hereby agree to abide by all the terms and conditions, whichhave been made availableto me on
any furtherinformation/ documents that the Company/Com pany'sGroupCom paniesmay require the Website.
from time to time. I agree to indemnify the Company against any fraud or any loss or
damage

P R E MAT U R EW IT H DAWA
R L O F T H ED E P O ST:I A s p er the HousingFinance Companies(NHB) *From the date of deposit
Directions,2001, no premature withdrawal is allowed for a period of up to 3 months from In the event of the death of the depositor, premature terminationof fixed deposits would be
the date of deposit. In case of premature withdrawal,the followingrates shall apply: allowed; Such premature withdrawalwould not attract any penal charge.

PrematureWithdrawal* Rate of interest payable SIG N A T U RO
E F D E P O S IT O R /S
After3 months but before 6 months No Interest First/Sole/
After6 months but before 12 months 3% lower than the m inimumrate at which the public deposits are Guardian:
accepted b y IC IC Home
I Finance
Second :
After12 m onthsbut before the date of maturity 2% lower than the interestrate which IC IC Home
I FinanceCom pany
would have paid had the deposit been accepted for the period
for which such deposit has run
Third :

Documentation Checklist (Copy of self-attested documents to be submitted)
Individuals Documents
- Identification (i) Passport (ii) PA N card (iii) Voter’s Identity Card (iv) D rivinglicense (v) Em ployeeIdentity card (subject to the Company’s satisfaction)
Legalname and any other names used (vi) Letter from existing banker (restricted to a Scheduled Commercial Bank/ Scheduled Co-operativeBank*).Letter has to be obtained in
original bearing the A uthorizingOfficer’s name and signature along with the stamp of the bank. The verificationdone should be for
the name, photographand address of the individual.
- Correct permanent address
(i) Utilitybill (ii) B ank Account statement (iii)Ration card (iv) O riginalLetter from employer
(Any one document which provides customer informationto the satisfaction of the Com panyw ill suffice)
* List of banks to be circulated from time to time

For office use only Date of Receipt:
Branch: Customer No.:
Checked by: Authorized by:

Terms & Conditions - ICICIHome Finance Fixed Deposit Scheme

These terms and conditions (the “Terms”) govern and regulate the fixed deposit scheme (the Belgaum
“Scheme”) provided by IC IC IHome Finance Company Limited (herein after referred, to as “IC IC IHome 5. N O M INATIO N:The Applicant,can make only one nomination for each deposit. Applicant shall be
Finance“ or “the Company”) made available through IC IC IBank website: www.icicibank.com (”the required to down load the nomination form and take a printout of the same from the Website and
Website”), subject to the followingterms and conditions: shall be required to submit the same to the Company either directly or through IC IC IB an k o fficial
1. DE N O M IN
AT ION :Deposits under each option shall be accepted subject to a minimum deposit or agent.
amount under different income plansas specified below for individualapplicant/s (“Applicant”). 6. SUCCESSION:Where a nomination has not been made or the nominee predeceases the
MinimumRs. 10,000/- under Annual / Cumulativeincome plan Depositor, the provisions of this paragraph will apply. In the event of the demise of the Depositor
Minimum Rs. 20,000/- under Quarterly income plan of the Fixed Deposit, the Company will recognize the executor or administrators of the deceased
Minimum Rs. 40,000/- under Monthly income plan Depositor, or holder of Succession Certificate orany other legal representative as the holder of the
Any additionalamount should be in multiples of Re. 1/-. title to the Fixed Deposits. The Company shall not be bound to recognize such executor or
2. SUBMISSIONO F T H EA P P L IC AT IO N F O R M ,OT H E RD O C U M E N T S: The Applicant desirous to administrator unless such executor or administrator obtains Probate or Letter of Administrationor
avail the Scheme and make payment/s thereon of the Fixed Deposit amount shall be required to Succession Certificate or other legal representation, as the case may be, from an appropriate court
apply for the Scheme and provide requisite details on the Website. The Applicant shall be required in India. The company at its absolute discretion, may in any case, dispense with the
to handover the Application Forms duly completed and signed, along with the other documents production of Probate or Letter of Administration or Succession Certificate or other legal
(the “Documents”) to the Company within fifteen (15) working days from the date of applying representation.
under the Scheme or shall be required to deliver the Documents to the IC IC IBank's official or 7. Joints deposits, non-individualdeposits and deposits in the name of a minor shall not be accepted
agent who shall collect the Documents from the Applicant's registered address, in order to submit by the Company through the Website.
the Documents at such branch/ locations as specified by the Company. The Fixed Deposit 8. FIX E DD E P O S ITR E C E IP T
(“FDR”):
Receipts (FD R)shall be generated and sent to the Applicants by the Company, only upon receipt of a) The FD R will be forwarded to the address of Depositor given in the application form, by
the Documents. Registered Post or Courier or in any other manner that the Company may deem fit, at the sole
3. PAY M ENT: The payment of fixed deposit amount (the “Amount”) shall be required to be made by risk of the Applicant/Depositorafter receipt of the Documents and the Amount.
the Applicant through the infinity account on the Website (the “Account”) by transferring the
Amount to IC IC IHome Finance account specified therein.
In case of non receipt of the Documents by IC IC IHome Finance within the stipulated time period
as specified herein above, the IC IC IHome Finance shall initiate the refund process & the Amount
shall be credited back to the Account within 7 working days from completion of the above stated
time period of submission of Documents. In case of refund of the Amount, the Company shall not
be liable to credit any interest on the Amount from the date of making payment of the Amount to
IC IC IHome Finance.
4. IN T E R E STPAY M E N TS: For the Fixed Deposits placed under the Scheme, the interest on the
deposits shall be paid from the date of receipt of the Amount however, the Fixed Deposit account
shall be opened in the name of the Applicant only after receipt of the Documents as mentioned
above. Such account shall be opened with effect from the date of receipt of the amount. In case of
non-receipt of Documents and refund of the Amount, the Company shall not be liable to credit
any interest on the Amountfrom the date of making payment of the Amount to the Company.
Interest on deposits placed under Monthly Income Plan, Quarterly Income Plan and Annual
Income Plan shall be paid on fixed dates. Monthly interest payment dates will be the last day of
each of the months. The standard quarterly interest payment dates are March 31, June 30,
September 30 & December 31 every year. Under Annual Income Plan the interest will be paid once
in a year, after the end of the financial year.
Please note that all payments for part periods shall be made on pro-rata basis. If a deposit is made
within a period of 20 days prior to a standard interest payment date, the interest for the part period
will be paid on the next standard interest payment date.
Under the Cumulative Income Plan, interest will accrue on March 31 every year and the
accumulated interest will be paid on maturity amount (including interest and tax deducted at
source, if any) which shall not exceed the total maturity amount as calculated on a year on year
basis of compounding.
Payment of interest shall be made to the depositor/s (the “Depositor”) thruough direct credit to
the
Account of the depositor with IC IC I Bank for all income
plans.
If requested by the depositor, interest will be paid through ElectronicClearing System ECS only at
all centres where this facility is available, Where ECS facility is not available payments will be in
the form of Warrant/Cheque/DD/anyother mode as the Company may deem fit and would be in
favour of the Depositor marked “A/c Payee o nly ”. If the Depositor provides the details of account
number and the bank branch, the same would be printed on the face of the interest warrant(s).
ECS would avoid fraudulent encashment of interest warrant(s).
Presently EC S facility is offered by IC IC I Bank at below mention
centers:
• Delhi • Ludhiana • Amritsar • Jalandhar • Chandigarh • Shimla • Jammu • Kanpur
• Allahabad • Varanasi • Lucknow • Dehradun • Gorakhpur • Agra • Jaipur • Bhilwara
• Udaipur • Jodhpur • Rajkot • Ahmedabad • Baroda • Surat • Mumbai • Panjim •
Pune
• Sholapur • Kolhapur • Nasik • Aurangabad • Nagpur • Indore • Bhopal • Gwalior
• Jabalpur • Raipur • Hyderabad • Tirupati • Vijayawada • Nellore • Vizag •
Kakinada
• Banglore • Mysore • Manglore • Hubli • Chennai • Pondicherry • Madurai • Salem
• Erode • Coimbatore • Tirupur • Calicut • Trichur• Cochin • Trivendrum • Kolkatta
• Burdwan • Durgapur • Siliguri • Bhubaneshwar • Guhawati • Patna • Jamshedpur
• Ranchi • Dhanbad • Asansol • Jamnagar • Udupi • Trichy • Gadag •
b) Fixed DepositReceipts are non-transferable.
9. LOSS, DE ST R U CT IO N
ETC
, . O F DO C UM EN
T:
a) Fixed Deposit Receipts, interest and refund warrants/cheques/demand drafts may be sent by
registered post or courier or in any other manner that the Company may deem fit, at the
address of the Depositor given inthe ApplicationForm. The Company will not be responsible for
any loss or delay in transit due to postal/courier services or any circumstances beyond its
control.
b) In the event of loss, destruction or mutilation of the Fixed Deposit Receipt, interest or refund
warrant/cheque/DD, the Company may issue a duplicate Fixed Deposit Receipt, interest or
refund warrant /Cheque/DD, subject to non encashment of the originalinstrument, upon receipt
from the Depositor of an indemnity/documents in the prescribed form to its satisfaction and
after compliance with such other formalities as may be required by the Company.
10. The Company shall accept only Fixed Deposit application/s through the Website. The Company
shall not entertain service request/s relating to the Scheme such as renewal of Deposit,
repayment of Deposit, Loan Against Deposit, Pre-mature withdrawal of the deposit, issuance of
FDR etc through the Website. Any and all such service request shall be attended to at the below
specified address of the Company.
IC IC IH F CCentral Operations Team, 2nd Floor, Trans Trade Center, Opposite FloralDeck Plaza,
MIDC, Andheri(E), Seepz, Mumbai.
11. R EPAY M E N TO F D EPO SITS:
a) Deposits will automatically expire on maturity. No interest will accrue thereafter on such
deposits unless the deposits are renewed as per clause on renewal of deposit.
b) The Company will send intimation with regard to the details of the maturity of the deposit at
least two months before the date of maturity of the deposit.
c) For repayment of deposits the duly discharged FD Rwith revenue stamp of requisite value must
be surrendered to the Company at least two weeks prior to the date of maturity with the
signature of the Applicant/Depositor.
d) A ll redemption payments will be in the form of warrant/cheque/DD/any other mode as the
Company may deem fit and would be in favour of the Depositor marked “A/c Payee on ly ”.. If
the Depositor provides the details of account number and the bank branch, the same would
be printed on the face of the interest warrant(s). Direct Credit option may be used if
the Applicant/Depositorhas an account with IC IC IBank.
12. Waiver: No failure or delay by the Company in exercising any right, power or privilege hereunder
shall operate as a waiver thereof nor shall any single or partial exercise of any other right, power
or privilege. The rights and remedies of the Company as stated herein shall be cumulative and
not exclusive of any rights or remedies provided by law.
13. Indemnity:
a) The Applicant/Depositor hereby agrees that the Applicant/Depositor shall, at his/its own
expense, indemnify, defend and hold harmless the Company from and against any and all
liabilityany other loss that may occur, arising from or relating to the operation of Fixed Deposit
or breach, non-performance or inadequate performance by the Applicant/Depositorof any of
these Terms or the acts, errors, representations, misrepresentations, misconduct or
negligence of the Applicant/Depositorin performance of its obligations.
b) Under no circumstances shall the Company be liable to the Applicant/Depositor for any
indirect, incidental, consequential, special or exemplary damages in connection with the
services.
c) The Applicant/Depositor shall solely be responsible for ensuring full compliance with all the
applicable laws and regulations in the relevant jurisdiction in connection with the Fixed
Deposits with the Company and shall indemnify and keep indemnifiedIC IC IHome Finance from
all actions, proceedings claims, losses, damages, costs and expenses (including legal costs
on a solicitor and client basis) which may be brought against or suffered or incurred by IC IC I
Home Finance in connection with any failure to comply with any such applicable
laws/regulations.
d) The indemnities as aforesaid shall continue notwithstanding the termination of the Fixed
Deposit.
14. Company'sLien and Rightto Set Off:
a) The Company shall have the paramount right of set-off and lien, irrespective of any other lien
or charge, present as well as future, on all the deposits held/ balances lying in any account of
the Applicant/Depositor , whether in single name or joint name(s), to the extent of all
amounts payable by the Applicant/Depositorarising as a result of any of Company's services
extended to and/or used by the Applicant/Depositoror as a result of any other facilities that
may be granted by IC IC IH om e Finance Company to the Applicant/Depositor. The Company is
entitled without any notice to the Applicant/Depositorto settle any indebtedness whatsoever
owed by the Applicant/Depositor to the Company, whether actual or contingent, or
whether primary or collateral, or whether joint and/or several, including without limitation
indebtedness under any indemnity given by the Applicant/Depositorto IC IC IHome Finance
Company hereunder or under any other document/ agreement, by adjusting, setting-off any
deposit(s) and transferring monies lying to the balance of any account(s) held by the
Applicant/Depositorwith IC IC IHome Finance Company, notwithstanding that the deposit(s)/
balances lying in such account(s) may not be expressed in the same currency as such
indebtedness. IC IC IH om e Finance Company's rights hereunder shall not be affected by the
Applicant's/Depositor'sbankruptcy, insolvency, death or winding-up.
b) In addition to the Company's rights of set-off, lien or any other right which it may at any time
be entitled whether by operation of law, contract or otherwise, the Applicant /Depositor
authorises IC IC IH om e Finance: (a) to combine or consolidate at any time all or any of the
accounts and liabilities of the Customer with or to any branch or office of IC IC IHome Finance
(whether in India or elsewhere); and (b) to apply, set-off or transfer at any time (without
prior notice to the Applicant/Depositor ) any credit balance (whether or not then
due) to which the Applicant/Depositoris at any time beneficially entitled (whether singly or
jointly) on any account, in the Applicant's/Depositor's name or jointly with any other person,
with any branch or office of IC IC IHome Finance (whether in India or elsewhere) towards the
satisfaction of any or all of the Applicant's/Depositor's liabilities (whether such liabilities be
present or future, actual or contingent, primary or collateral, or several or joint) under the
terms of any other facilities that may be granted b y IC IC IHome Finance Company to the
Applicant/Depositor.
d) The Companyshall not be under any obligation to exercise any of its rights under this Paragraph.
e) The above mentioned rights o f IC IC IHome Finance are without prejudice to the obligations of
21. No Encumbrances:The Applicant/Depositorshall not create or permit to subsist, any encumbrance
the Applicant/Depositorto pay to IC IC IH o m e Finance when due all its indebtedness and
or third party interest over or against any account(s) or any monies lying therein without IC IC I
without prejudice to any other rights that IC IC I Home Finance may have against the
Home Finance's express prior written consent.
Applicant for recovery of outstanding from Applicant/Depositorto IC IC IHome Finance .
22. Liabilityof the Applicant / Depositor andIC IC IHome Finance: Neither IC IC IHome Finance nor
f) The Company shall be entitled to withhold payments out of the Applicant's/Depositor'saccount
the Affiliatesshall be liable for any unauthorised transactions occurring through the Website and
in case any amounts outstanding from the Applicant/Depositorto the Company are not paid
the Applicant/Depositorhereby agrees to fully indem nify and h old IC IC IHome Finance and the
when due.
Affiliates harmless against any action, suit, proceeding initiated against it or any loss, cost or
15. R E N EWA L O F D E P O ST:
I Subject to the Scheme being open, the deposit may be renewed on damage incurred by it as a result thereof. IC IC IHome Finance shall under no circumstance be held
maturity on such terms and conditions of the Scheme as applicable on the maturity date of the old liable to the Applicant/Depositorif the Website is not available in the desired manner for reasons
deposit. The deposit can be renewed by submitting a duly completed fresh application in the including but not limited to natural calamities, legal restraints, faults in the
prescribed form along with the discharged FD R with revenue stamp of requisite value within 1 telecommunication network or network failure, or any other reason beyond the control of IC IC I
month from the date of maturity. In case the application is received by IC IC IH o m e Finance after 1 Home Finance.
month, IC IC IHome Finance may at its discretion, accept/reject the application on such terms and
23. Disclaimer of Warranties:The Applicant/Depositorexpressly agrees that use of the Website is at
conditions as it may deem fit.
its sole risk. The Website is provided on an "as is" and "as available"basis.
16. LO A NA G A IN S TD E P O SIT
S: L oan against Deposit may be availed of from IC IC IHome Finance after
Except as warranted in the terms, IC IC IHome Finance expressly disclaims all warranties of any
3 months from the date of deposit, which would be given at the discretion o f IC IC IH o m e Finance.
kind, whether express or implied or statutory, including, but not limited to the implied
This loan may be given for up to 75% of the deposit amount, subject to the other terms and
warranties of merchantability, fitness for a particular purpose, data accuracy and
conditions as may be specified by the Company from time to time. Interest on such loans will be
completeness, and any warranties relating to non-infringementin online mode for the Scheme.
2% above the deposit rate. This facility is available only to individuals (other than N R I's & minors)
and HUFs. IC IC I Home Finance does not warrant that access to the Website for the Scheme shall be
uninterrupted, timely, secure, or error free nor does it make any warranty as to the results that
17. P R E MAT U R E W IT H D A RWA L O F T H E D E P O ST:
I As per the Housing Finance Companies
may be obtained from the Website or use, accuracy or reliability of online mode of application
(NHB) Directions, 2001, no premature withdrawal is allowed for a period of up to 3 months from
of the Scheme.
the date of deposit. In case of premature withdrawal, the followingrates shall apply:
IC IC IHom e Finance willnot be liable for any virus that may enter the Applicant's system as a result
PrematureWithdrawal* Rate of interest payable of the Applicant using the online mode of application for the Scheme. IC IC IH om e Finance does
A fter3 months but before 6 months No Interest not guarantee to the Applicant or any other third party that access to the Website would be virus
A fter6 months but before 12 months 3% lower than the minimumrate at which the public free.
deposits are accepted by IC IC H
I o m e Finance 24. Electronic Transactions: The Applicant/Depositoragrees to adhere to and comply with all such
A fter12 months but before the date of maturity 2% lower than the interest rate which IC IC I Home Finance terms and conditions as IC IC IHome Finance may prescribe from time to time, and hereby agrees
Companywould have paid had the deposit been accepted for the and confirms that all transactions / instructions effected by or through facilities for conducting
period for which such deposit has run remote transactions including the website, IC IC I Home Finance's 24-Hour Customer Care
Centre, World Wide Web, electronic data interchange, teleservice operations (whether voice,
*From the date of deposit
video, data or combination thereof) or by means of electronic, computer, automated machines
In the event of the death of the depositor, prematureterminationof fixed deposits would be network or through other means of telecommunication, established by or on behalf of IC IC IH om e
allowed; Such premature withdrawalwould not attract any penal charge.
Finance, for and in respect of the account(s), or other products/ services of IC IC I Home
18. TA X D ED U C T IO AT
N S O U R CE: In accordance with and as per the provisions of section 194A of Finance's, shall constitute legally binding and valid transactions when done in adherence to and
the Income Tax Act, 1961, tax would be deducted at source (T D S)if interest credited / paid or likely in compliance with these terms and all other terms and conditions for such other product /
to be credited / paid to residents during the financial year exceeds Rs. 5,000/-. This exemption services offered as part of online mode of application for the Scheme, as may be prescribed b y
is not applicable for non resident Depositors. IC IC IHome Finance from time to time.
However, if the Depositor submits a self declaration, in duplicate, in prescribed Form 15G (for 25. Unauthorised Access: The Applicant/Depositorshall take all necessary precautions to prevent
persons other than company and firm) or Form 15H(for senior citizens who have attained the age unauthorized and illegal access to and/ or use of the products/ services on the Website and shall
of take commercially reasonable care to, ensure the security and prevention of unauthorised access
65 years during the financial year) as the case may be / Exemption Certificates issued by the to/ use of products / services o f IC IC IHome Finance's Website.
Income Tax Authorities u/s 197 / any other documentary evidence under the relevant 26. Change of Terms: IC IC IH o m e Finance shall have the absolute discretion to amend or supplement
provisions of the Income Tax Act, 1961, tax would be deducted at N il / Lower rate for the relevant any of the terms at any time. IC IC IHome Finance may communicate the amended terms by
financial year, as the case may be, in accordance with the prevailing tax laws as may be amended hosting the same on the Website or in any other manner as decided by IC IC I Home
from time to time. In terms of section 197A, Form 15G willnot be taken cognizance of for the Finance. The Applicant/Depositorshall be responsible for regularlyreviewing these terms including
purpose of TDS Exemption, in case total income likely to be credited / paid exceeds maximum amendments thereto as may be posted on the Website.
amount which is not chargeable to tax. Form 15H can be furnished by resident senior citizen for 27. Particular to be specified under paragraph 6 of the Housing Finance Companies (NHB)
claiming TD S exemption even if the total interest likely to be credited / paid exceeds maximum Directions, 2001
amount which is not chargeable to tax.
a) In case of any deficiency of the Company in servicing its deposits, the Depositor may approach
Where the Depositor qualifies as a specified entity whose income is unconditionallyexempt u/s 10 the National Consumers Disputes Redressal Forum, the State Level Consumers Disputes
of the Act. And is not statutorily required to file return of income u/s 139 of the Act, no tax would Redressal Forum or the District LevelConsumers DisputeRedressal Forum for relief.
be deducted at source for specified entities subject to submission of proof of such exemption by
b) In case of non-repayment of the deposit or part thereof in accordance with the terms and
the Depositor in term of CBDT Circular No. 4/2002 dated July 16, 2002. Recognized Provident
conditions of the deposit, the Depositor may make an application to the authorised officer of
Fund/ Approved Superannuation/Gratuity Fund exempts u/s 10(25), University / Education
the National Housing Bank.
Institution / Hospital / Other Institutions exempt u/s 10(23C)(iiiab)or 10(23C)(iiiac)are illustrative
c) The financial position of the Company as disclosed and the representations made in the
examples of specified entities under the said C B D TCircular.
application form are true and correct and that the Company and its Board of Directors are
As per the provisions of section 139A(5A) of the Income Tax Act, every person receiving any
responsible for the correctness and veracity thereof.
sum from which tax has been deducted at source, is required to intimate his/her Permanent
d) The Company is within the regulatory framework of the National Housing Bank. It must,
Account Number (PAN) / General Index Number (G IR )to the person responsible for deducting
however, be distinctly understood that the National Housing Bank does not undertake any
such tax. Hence, the Depositors are requested to indicate their PAN / G IR in the application form.
responsibility for the financial soundness of the Company or for the correctness of any of the
According to a press release of September 29, 2007 issued by C B DT, the deductee (Depositor)
statements or the representations made or opinions expressed by the Company, and for
is advised to provide his / her correct PAN to the Company failing which the deductee
repayment of deposit/ discharge of liabilitiesby the Company.
(Depositor) would face penal proceedings under the Income Tax Act, 1961.
28. G E N E R LA:
The Applicant/Depositorwill be responsible to forward form 15G/15H, if selected at the time of
placing the deposit with the Company to IC IC IH F C Central Operations Team at address provided a) The Company reserves the right to reject any application for deposit or renewal of deposit
under clause 10. without assigning any reason thereof.
19. TA X B E N E F IT
S: As per the prevailing provisions of the Act, the tax benefits available to the b) Interest Rates are subject to change and the rate applicable will be the rate prevalent as on the
Depositors on investing in the Fixed Deposits are: date of deposit.
a) No Wealth-tax or Gift-tax is levied on investments in Fixed c) The terms and conditions mentioned herein are to be read in conjunction with and in addition to
Deposits. all other terms and conditions as specified elsewhere in this document.
20. The Company may keep its records of the transactions done by the Applicant/Depositoron the d) The company has the right to change, amend, add or delete any of the terms and conditions
Website in the manner as may be decided by the Company from time to time. In the event of any governing the fixed deposit and the company shall give notice of the same to the Depositor, in
dispute, the Company's records shall be binding and conclusive evidence of the transactions accordance with the applicable guidelines. Disputes, if any, arising in connection with the
carried out by the Applicant/Depositorthrough the Website in the absence of clear proof that fixed deposit scheme, will be subject to the jurisdictionof Courts at Mumbai.
Company's records are erroneous or incomplete. 29. NO N-RESIDENT INDIANS: Deposits from Non-Resident Indians and persons of Indian origin
resident outside India shall not be accepted through the website.

IC C
I I Hom e Finance Company Limited Application serial no
Date of deposit with the IC CI I Home Finance Company: A C K NOW L E DGM E N TSL IP
Received from Mr. / Mrs. / Ms. (Name of Sole / First Applicant)Fixed Depositapplicationwith
a) A/c. No. for Rs.
(Drawnon Bank Branch )
b) Total Fixed DepositAmount(in figures) Dated for Rs.
(Rupees for Rs.
)

for a period of: Months @ % per annum
In the followingIncome Plan: MonthlyIncome Plan QuarterlyIncome Plan AnnualIncome Plan Cumulative(AnnualisedYield on maturity)
(Valid subject to Realisationof Cheque / DemandDraft) Stamp
Mr. / Mrs. / Ms. We have received your form on and your form is under process.
ICIC IHome Finance Company Limited
Regd. Office: ICICI Bank Towers,
Bandra- Kurla Complex, Mumbai - 400 051.

PA R T IC U L A RASS R E Q U IR EUDN D E RN O N -B A N K INF GI N A N C I ACLO MPAN IE S
A N D M IS C E L L A N E O NUO
S N -B A N K INCGO MPA N IE S(A D V E R T IS E M E NRTU)L E S1977
a) Name of the Company: ICICIHome Finance Company
Limited. b) Date of Incorporation: May 28, 1999
c) (i) Business carried on by the Company and its subsidiaries: The Compan y’s principal business is to provide financial assistance to any person or
persons to acquire houses, buildings and any form of real estate and also for the purpose of construction, renovation, development or repair of
such houses or buildings or any form of real estate. The Company has no subsidiary compan y.
(ii) Major branches/service centers:

Locations Tel. No. Locations Tel. No. Locations Tel. No. Locations Tel. No.

Ahmedabad 66309890 Darjeeling 9933008000 Jharkand 9934008000 Patna 9934008000

Andhra Pradesh 9849578000 Delhi 9818178000 Karnataka 9845578000 Pune 9890478000

Assam 9954108000 Delhi 41718000 Kerala 9895478000 Punjab 9815558000

Bangalore 41131877 Goa 9890478000 Kochi 9895478000 Rajasthan 9829222292

Bhubaneshwar 9938488000 Gujarat 9898278000 Kolkata 9831378000 Ranchi 9934008000

Bihar 9934008000 Guwahati 9954108000 Lucknow 9936218000 Siliguri 9933008000

Chandigarh 5055700 Haryana 9896178000 Madhya Pradesh 9893208000 Tamil Nadu 9894478000

Chattisgarh 9893208000 Himachal Pradesh 9816608000 Maharashtra 9890478000 UP East 9936218000

Chennai 42088000 Hyderabad 23128000 Mumbai 28307777 UP West 9897308000

Coimbatore 4358000 Indore 4022005 North East 9862408000 Uttaranchal 9897308000

Cuttack 9938488000 Jamshedpur 9934008000 Orissa 9938488000 West Bengal 9933008000

d) Brief particulars of the management of the Company: The Board of Directors of the Company has the ultimate responsibility for the management of
its business. Mr. Sandeep Bakhshi is the non -executive Chairman of the Board. Mr. Rahul Mallick, MD & CEO has the overall responsibility for the
business of the Compan y.
e) Name, address and occupation of the Directors:
Name, Occupation Address Name, Occupation Address
Mr. Sandeep Bakhshi ICICI Bank Towers, Bandra- Kurla Complex, Mr. S. Santhanakrishnan G-5, Prime Terrace, 150, L. B. Road,
Company Executive Mumbai 400 051 Company Director Chennai 600 041
Mr. Vijay Chandok ICICI Bank Towers, Bandra- Kurla Complex, Mr. Rahul Mallick ICICI Bank Towers, Bandra- Kurla Complex,
Company Executive Mumbai 400 051 MD & CEO Mumbai 400 051
Mr. Jayesh Gandhi A/4, Mewawala Apartment, 53-D, St. Mary Road,
Chartered Accountant Vile Parle (West), Mumbai 400 056

f) & g) PROFITS & DIVIDENDS: (Rs. in Million)
Profit before tax Profit after tax E quityDividend ContingentLiabilities 31-Mar-09 31-Mar-08
Years ending
(Rs. in Million) (Rs. in Million) Declared (%)*
31-Mar-09 1,844 1,429 6.90% Income Tax matters in appeals 13 13
31-Mar-08 996 704 9.65%
31-Mar-07 637 470 9%
* EquityD ividendonly

h) Summarised financial position of the Company as appearing in the two latest audited Balance Sheets: (Rs. in Million)
Aggregate dues as OutstandingFund OutstandingNon-Fund
Liabilities 31-Mar-09 31-Mar-08 Assets 31-Mar-09 31-Mar-08 on March 31, 2009 Based Facilities Based Facilities
Share Capital 10,988 7,988 FixedAssets 60 5
Companiesin the same group or other entities/ Business
Reserves & Surplus 1,466 904 Investments 15,698 11,379 Ventures in which Directorsand/ or IC IC H
I o m e Finance 951 N IL
Secured Borrowings 10,700 N il DeferredTax Assets 393 282 CompanyLimitedare/ is holding substantial interest
UnsecuredLoans 106,913 72,120 Loans 111,145 67,480
CurrentLiabilities 2,873 3,953 CurrentAssets & 6,385 6,313
O ther Loans &
Provisions 741 494 Advances
Misc. Expenses (to the N il N il
extent not written off)
Total 133,681 85,459 Total 133,681 85,459

h) In terms of Housing Finance Companies(NHB) Directions, 2001, the company can borrow upto sixteen times of the net owned funds, i.e. Rs. 189,686
million, out of which, not more than five times the net owned funds can be by way of public deposits, i.e. Rs. 59,277 million. At March 31, 2009, the
aggregate amount of deposits held by the company was Rs. 26,694 million and public deposits was Rs. 24,267 million. There are no overdue deposits
other than unclaimed deposits.
i) We declare that: (1) the Company has complied with the provisions of the directions applicable to it, (2) the compliance with the directions does not
imply that repayment of deposits is guaranteed by the Reserve Bank of India and the National Housing Bank; and (3) the deposits accepted by the
Company are unsecured and rank pari passu with other unsecured liabilities of the Compan y.
The above text has been approved by the Board of Directors at its meeting held on July 23, 2009 and is being issued on the authority and in the name
of the Board of Directors of the Company and a copy signed by a majority of Directors of the Company has been filed with the National Housing Bank.

Date : July 23, 2009 For and on behalf of the Board of Directors
Place : Mumbai Rahul Mallick
MD & CEO
MAAA
“Highest credit quality rating by ICRA”

Fixed Deposit Form

AAA
“CARE AAA (FD) (SO)” by CARE
#

FOR INDIVIDUALS
LOAN FACILITY
Loan against deposit is available after 3 months from the date of deposit upto
TAX DEDUCTION AT SOURCE 75% of the deposit amount, subject to the other terms and conditions
No Tax would be deducted at source (TDS) if interest credited / prescribed by ICICI Home Finance Company Ltd. from time to time. Interest
paid or likely to be credited / paid to a resident during the on such loans will be 2% above the deposit rate. This facility in available only
financial year does not exceed Rs. 5,000/-. to individuals (other than minors) & HUF.

Rates Effective From August 17, 2009

*Annual/ CumulativeIncome Plan *QuarterlyIncome Plan *MonthlyIncome Plan
Period Deposits Rate of Interest Period Deposits Rate of Interest Period Deposits Rate of Interest
(Months) (Amountin Rs.) (% per annum) (Months) (Amountin Rs.) (% per annum) (Months) (Amountin Rs.) (% per annum)

20 mths < = Rs. 1 cr 7.15% 20 mths < = Rs. 1 cr 7.00% 20 mths < = Rs. 1 cr 6.95%
30 mths < = Rs. 1 cr 8.00% 30 mths < = Rs. 1 cr 7.75% 30 mths < = Rs. 1 cr 7.70%
40 mths < = Rs. 1 cr 8.25% 40 mths < = Rs. 1 cr 8.00% 40 mths < = Rs. 1 cr 7.95%
60 mths < = Rs. 1 cr 8.50% 60 mths < = Rs. 1 cr 8.25% 60 mths < = Rs. 1 cr 8.20%

Minimumdeposit amount Rs. 10,000/- Minimumdeposit amount Rs. 20,000/- Minimumdeposit amount Rs. 40,000/-

#ICICI Home Finance Company Ltd. has been assigned a credit rating of “CARE AAA (FD) (SO)” for its fixed deposits by Credit Analysis &
Research Limited. Instruments carrying this rating are considered to be of best qualit y, offering highest safety for timely servicing of debt
obligation. The rating is based on the credit enhancement by ICICIBank Ltd. in the form of a letter of comfort.

Deposits for Senior Citizens
*C um ulativeO ption Rate of Interest: Rate s applicable on the dat e of depo sit and plus
Rate of MaturityAmountfor a MaturityDeposit add itional rate of 0.35 % per annu m for all special schemes.
Period Interest Depositof Rs. 1,000* W ithout TD S(RS)**
(Months) (% per Eligibility: Individuals who have completed 60 years of age should
annum) General Senior Citizen General Senior Citizen be the first applicant / deposito r. One of the following documents
must be submitted as proof of age along with the application form –
20 mths 7.15% 1,121.98 1,128.10 69,000 66,000 • Self-attested copy of Passport, Voter ID Card, PAN Card, Driving
30 mths 8.00% 1,212.16 1,222.00 62,000 59,000 Licences, Secondary School Leaving Certificate, Life Insurance
Policy, Birth Certificate issued by the competent authorit y, or
40 mths 8.25% 1,302.45 1,316.54 60,000 58,000
any other document acceptable to ICICI Home Finance Company
60 mths 8.50% 1,503.66 1,528.07 58,000 56,000 Ltd.

Minimumdeposit amount Rs. 10,000/-

Interest compounded annuall y. Deposits can be placed for any
number of months between 12 & 84. KYC Comp liance
Know Your Customer (KYC) Guidelines issued by the National
"INTERESTRATES ARE SUBJECT TO CHANGE AT THE SOLE
DISCRETIONOF ICICIHOME FINANCE COMPANY LTD.
Housing Bank are applicable to Housing Finance Companies. In
AND AS PRESCRIBEDUNDER THE LAWS AND THE RATE APPLICABLE
order to comply with these guidelines, we request you to provide
W ILLBE THE RATE PREVALENT ON THE DATE OF DEPOSIT.” your details as required in the application form.

Please refer clause 17 of terms and conditions for premature withdrawal

For more details, contact our call centre (for nos. refer to the last page of the form) or SMS HFC FD <Your city name> to 5676766

I C I C Hom
I e Finance Com panyLim ited
Regd. Office:IC IC IB an k Towers, Bandra-KurlaComplex,Mumbai400 051 Tel. No.: (022) 2653 1414 Fax No.: (022) 2653 1671