DECLARATION

I, Ajay Kumar hereby declare that the project report on "Services Provided by ICICI Bank Ltd." assigned to me for the requirement of partial fulfillment of "Master of Business Administration" Degree from G.J.U. Hisar. It is the original work done by me and the information provides in the study is authenticated to the best of my knowledge.

AJAY KUMAR

ACKNOWLEDGEMENT
It has been a great pleasure and privilege to conduct the present arduous and time consuming but challenging research under the guidance of Mr. Sanjeev Kumar Lect. Department of Business Management GJU Hisar. He was not only stimulating and proficient as a guide but also extremely helpful and supportive as a person through out the study period I cannot adequately express in words my feelings of gratitude for his invaluable help and guidance without which it would have been very difficult to complete this work. Finally, I gratefully acknowledge the inspiration, encouragement guidance and valuable suggestions of all the faculty members of Business Management, and to those who helped me in bringing out this research work from its conception to completion. (AJAY KUMAR)

INTRODUCTION TO ICICI

As a privileged private Banking client, ICICI bring you the entire range of products and service of ICICI Bank, packaged together for your convenience. This is delivered through a single point contact and separate interaction area in the branch to ensure the highest quality service that discerning clients like you deserve. ICICI Bank, India' s First Universal Bank, offers the widest range of financial products and services. ICICI have a track record of nearly half a century with a Balance sheet size of over Rs. 100,000 Crores. With a growing customer base of 5 million, ICICI Bank is India' s largest private Sector bank. Today, the bank provides you a nationwide network of 425 + branches and 1650+ ATMs. In the year 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 that ICICI Bank holds the distinction of being the only Indian company to be rated 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. Savings Account, fixed deposits, recurring deposits, quantum optima, current account, resident foreign, currency (domestic) account etc. Web trade, Demat account. International debit and credit cards. And may more………… Exclusivity and convenience Dedicated officer at bank. Separate interaction area in the branch. Anywhere banking facility. Exclusive phone banking service. Competitive Pricing Reduced rates for products and services Several complimentary offers. Value linked benefits.

ICICI PRODUCT PROFILE

the additional amount in multiples of Rs. 50. over 222 cities across the country.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: Anywhere ICICI Bank is one of the largest networks in the country with over 450 branches. 7 days a week from the ATMs. etc. ANYWAY With your ICICI Bank account. So you never need to walk into a bank branch for doing your banking. Moreover. . Telephone and the internet like ordering a cheque book. The FD is broken in multiples of Rs. This helps your earn a better return on you idle funds.000 from any of the branches or ATMs across the city or the country – 24 hours a day.cash deposits up to Rs 50. 10. withdraw cash upto Rs. if the balance in your savings account goes above Rs.000 (Rs15.000 is moved into a fixed deposit Automatically.000 to facilitate this. more than 1675 ATMs and presence in.000. you can access this amount in the FD just like access your savings account – either through a cheque or through the ATM card. It also offer you a large a number of value added benefits: VALUE ADDED SAVINGS ACCOUNT By opening a value added savings account.000 ) for third party cash withdrawals*). 5. 1. Anytime You can access your account. you can access a vast majority of our services through the ATM. viewing your balance. Majority of our services through the ATM.

000. INVESTMENT SERVICES You can make all you investments in mutual funds. FREE PERSONALIZED CHEQUE BOOKS With an ICICI Bank savings account you get a personalized cheque book free of charge. and insurance as well as trading in stock market. it means that you don’t need to need to maintain a minimum balance of Rs. 5. But in quarter. Please note that is a service charge of Rs. All of these can be availed of for maintaining a quarterly average minimum balance of Rs. the average balance has to be Rs. On any given day. through the bank. etc. or through phone banking. cellular phones. 5. RBI tax-free bonds. 250 per quarter if the average balance is not maintained. Com.0000.000. By quarterly average. .BILL PAYMENT You can your bills like telephone. through ICICI Direct. online. electricity bills. 5. it can even go to Zero.

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.) Most important – no cost . acts as a qualifying various instrument services for (MTNL Electronic Clearing system…. long queues and other due loss. Boss's (remembering productivity music. pollution travel time.com or through ICICI Bank Free personalized cheque book Matches with your status. insurance as well as trading in stock market you time and money" Monthly commitments get directly met without defaults and penalties and without any botherations Saves you from the dust. hassles dates. grime. ATM and No need to visit a bank to do your Internet banking "Frees you form hassles and saves Bill Payment "Instruct bank to make you monthly payments directly" Investment services Make all your investments in mutual bonds.) anytime through ICICI Direct.. RBI tax free bonds.

1. Reverse Sweep Fixed deposits get broken in Liquidity. Remaining deposit continuous to earn full interest . you may even balance of just Rs. multiple of Rs.000 have a ZERO balance" Option of opening value added Provides you with the flexibility of savings account a savings account and interest rates of a fixed deposit Auto Sweep facility Excess of 10.Average quarterly minimum Flexibility on liquidity – easy to maintain "On any given day.000 from your savings accounts transferred automatically 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. 5. earnings sand your reputation takes care of at the same time.000 to take care of overdraft and cheque payments for amounts larger than the balance in savings account. 5000.

downloading a/c statements. Anytime (24 × 7 × 365) and Anyway (ATM. managing fund transfers and instructing various Free quarterly account statements the bank for from fund services of anywhere. 50.Total amount in savings account Maximum liquidity without penalty and fixed deposits 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 no cost Rs.000 across the counters at any ICICI Bank Branch Free Internet banking Free Internet banking Provides you with the "Anywhere" banking comfort Convenience of viewing/ knowing your current position. Internet) access to your account fixed deposit and vice versa Only smile – No stress . Facilitates tracking transferred from savings to Anywhere (widest network0. Phone.

exactly as has been given in the from 2. Savings Bank Account Documentation should clearly and unambiguously support:    Name Address Signature As written in the application form Please note that irrespective of the documentation list given below. The final discretion for the acceptance of an application form will be done strictly as per the guidelines that have been put into place. The supporting documentation should be: EITHER Introduction from existing customer. Or Category 1 Type of Documentation . address and signatures.Documentation Requirements Note: 1. who has had a relationship for at least six months. where relevant. the documentation must verify the identity. 3. Deviations may not be accepted. Sales teams are advised to constantly update themselves with the circulars/ information updates in respect of the same to minimize rejections. unless all the above three details are verified. the documentation will be deemed to be insufficient. In the case of individual accounts.

. Or Category 2 Type of Documentation Provide • • • • • • • • • • At least one each from list A and list B and Self cheque drawn on existing bank Driving License Salary slip Voter's ID Card Income/ wealth tax assessment orders Electricity bill (latest) Telephone bill (latest) Copy of LIC policy or latest premium receipt.Passport Or Letter from existing bank Or PAN (Although self cheque drawn on existing bank). Latest credit card statement letter from employer List A (proof of name) List B (proof of current address) giving current residential address.

5. How do I approach ICICI Bank to open SB Account?  You can approach us in any of the following ways: • • • • 6. 5. cheque deposits and cash withdrawals into/from your account from any branch. You can do cash deposits.000/- 7.000 What 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.QUESTIONNAIRE (SAVINGS ACCOUNT) 1. Can I access my saving Account from another branch?  ICICI Bank offers you anywhere banking facility.com Call us at our 24-hour customer care centre. What is the value of the cheque required for opening the account?  Cheque should be minimum Rs. 3. What is the minimum balance required to be maintained for an ICICI bank saving account?  The minimum average quarterly balance required to be maintained for a saving account in Rs. 4. At what frequency will be interest be paid to me? . 15000 per day) Cheque deposits Balance enquiry Statements request 5. 2. You can just walk into any of our branches. Apply online Write to us at info@icicibank.

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

What is the difference between an ICICI Bank savings account and an ICICI bank value added savings accounts?  A Value added savings account allows you to set a minimum balance (subject to a minimum of Rs. he/she has to give his/her request in writing along with his/her unused chequebooks. Any amount in excess of this. What are the different channels through which I can access my ICICI bank savings account? • • • • ICICI Bank branches ICICI Bank. the value added savings account allows you to do that. you don't lose out on liquidity either. you can withdraw it by issuing a cheque or through an ATM. Can I minimum balance to be maintained in my saving account and automatically transfer any excess amount to an ICICI Bank fixed deposit?  Yes. automatically gets as specified by you.000) to be maintained in your savings account. When you need the money. 14. How do I transfer my account from one branch to another?  When a customer wants his/her customer ID at one branch to be transferred to another branch. 1. 13. Thus. So you enjoy a higher effective rate of interest on your deposit. You can set a minimum balance (subject to a minimum of Rs. 10.12. The bank will close the customer ID and arrange to open a new Customer ID at .com ICICI Bank ATMs Phone Banking 15. 10.000) to be maintained in your saving account.000 automatically. The deposits get broken in multiples of Rs.

16. 17. Interest on fixed deposits is reckoned / paid at quarterly intervals. for instance. Each combination of relationship is distinct and unique and hence is identified by a separate customer ID. in accordance with RBI directives.the other branch and will issue will tissue new chequebook. which is for the present. a relationship in a single name is different from a relationship in joint names. 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 force in accordance with RBI directives. Interest is paid every half year in September and March. this service is free of charge. . branch specific. at the rates applicable at the time of acceptance as the case may be. What is customer identification number?  Each relationship with a customer is represented by a customer identification number (Customer ID). etc.

requests. 15.000/- Internet and Ncash debit cum enough to take care of major Free inward remittance expenses of students No charges or fund transfers from ICICI bank – convenience at no cost Free supplementary credit card Sense of security. utility payments…) No need to physically visit a bank. Easy to maintain. 24hrs banking experience (Deposit. 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 Bank account holder (six month old) . inquiries. withdrawals.BANK@CAMPUS Features Saving Account Accessibility ATM card through Benefits Host of value added services along with convenience phone. peace of mind Personalized cheque book Sense of pride Low average quarterly balance (Rs. no hassles Wide network acceptability Reward points – earn while you spend Withdrawal upto Rs.

.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.

How do I approach ICICI Bank to open a Bank@campus account?  You can approach us in any of the following ways: • • • • 2.com 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@campus account?  The minimum average quarterly balance required to be maintained to your Bank@campus account is Rs. 4. What are the different channels through which I can access my ICICI Bank bank@campus account?  You can access you bank@campus account through: • • • ICICI Bank.QUESTIONNAIRE 1.com ICICI bank ATMs Phone banking . 500/- 3. Apply online Write to us at info@icicibank. in the appropriate form. which is available to any to the ICICI Bank branches. At what frequently will the interest be paid to me?  Interest earned on the balance in your account shall be credited to your account on a half yearly basis in the month of September and March. How can I change the nominee(s) for my ICICI Bank bank@campus account?  You can change the nominee’s by making a declaration to that effect. 5.

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

14) Alliances with various partners to meet the child's needs in varied interest areas such as clothing. Special shopping powers upto Rs. Facility of setting up a sweep account from the young stars accounts to the RD to enable the parents to let their child earn more. 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. Access to special zones and links to related websites for making Internet banking a memorable experience. music. 1000/. Facility to transfer funds from parent account to kid account to enable parents to inculcate savings habit amongst children.(for At the same time complete children above 10 years of age) Linked to the infinity account Mental peace for the parent Free transfers 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 and game web pages and as a result learns more about . 1000 for the children above 10 years of age.9) 10) 11) 12) 13) Separate user Ids passwords for both parents and children. toys etc. computers. books.

. child's music. Makes banking a lot of fun and 500/-) Annual free statement of account excitement for the kids Easy to maintain Able to track your transaction without tedious paper work and at no cost. books.money matters. Option of opening value added Provides liquidity and interest rates 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. future of with complete and flexibility investing withdrawals Low average quarterly balance (Rs. toys. clothing etc.

A bank account that teaches children to manage their personal finances more responsibility. 3. A bank account cuts across all age group and connects well with both kids and teens. A bank account that increases child interaction and excitement. 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). QUESTIONNAIRE . 2. Employee ID Card Driving license Salary Slip Income/wealth order Letter from employer giving current residential address tax Electricity bill (the latest) Telephone bill (the latest) Copy of LIC policy or latest premium receipt assessment Latest credit statement A bank account that helps parents meets the present and future aspiration of their child.KEY BENEFITS: 1.

3. However. You can just walk into any of our branches. 2. . 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. however.com Call us at our 24 hours customer care centre. What are eligibility criteria for opening an ICICI Bank young stars account?  ICICI bank you stars account is a banking service for children in the age groups of 1-18 years. the bank will get into an agreement with the parent/ legal guardian. How do I approach ICICI Bank to open a young stars account?  Write to us at info@icicibank. Will debit cards be issued the name of minors?  Yes. What is the minimum balance required to be maintained for an ICICI bank young stars account?  The minimum average quarterly balance required to be maintained for a youngsters account is Rs. 5. 6. Do I need an introduction from an existing ICICI bank account holder?  An introduction by an existing ICICI bank account holder is generally required for establishment a relationship. in order to issue the debit card to minors. no introduction is needed if proof of identify is furnished at the time of account opening. The parent/ legal guardian will indemnify the bank from all risks as listed below. The parent/ legal guardian will sing the agreement before applying for the debit card.1. 500/- 4.

How can I change the nominee(s) for my ICICI Bank bank@campus account? You can change the nominee(s) by making a declaration to that effect. which is available to any to the ICICI Bank branches. in the appropriate form.  8.7.com ICICI bank ATMs (for the age group above ten years) ICICI Bank branches . What are the different channels through which I can access my ICICI Bank young stars account?  You can access your young stars account through: • • • ICICI Bank.

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

• • • The interest rates are quite attractive (Refer latest The interest on cumulative fixed deposits is interest rate circular for more details).000 and thereafter in multiples of just Rs. Unless otherwise specifically. Reinvestment Interest is compounded quarterly and reinvested with principal amount. Further. the applicant (s) is/are at liberty to change the nominee.000. Minimum balance You can avail of ICICI Bank fixed deposits for a minimum deposits of Rs. Maturity period ranges from 6 months to 10 years. 10. And you can invest in a recurring deposit on which TDS is not applicable. compounded quarterly. through declaration in the appropriate from to revise the nomination during the currency of the relationship accounts with the bank. Nomination Nomination facility is available for relationship in the names of individuals. The other features of the product are: Choice of two investment plans: Traditional Interest payable monthly. quarterly or half yearly as per you convenience. . 1. given in writing by deposits. Maturity period ranges from 15 days to 7 years. Depositors(s) however has/ have the right to specify different nominations at account level by completing appropriate forms. nomination in deposits accounts will be at customer ID level.

This facility is available on request. Employee ID Card Driving license Salary Slip Income/wealth order Letter from employer giving current residential address RECURRING DEPOSITS Benefits Encourages savings without stress on your finances.000 per month and thereafter in multiples of Rs.Auto renewal facility Fixed deposits get renewed automatically on maturity for the game tenure as the original deposit so that you don't lose interest even for one day. High rates of interest (identical to the fixed deposit rates). Non-applicability to Tax Deduction at Source (TDS). Minimum Balance The minimum balance of deposit is Rs. tax Electricity bill (the latest) Telephone bill (the latest) Copy of LIC policy or latest premium receipt assessment Latest credit statement . 100. 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). 1.

and thereafter in multiples of 2 months.Period of Deposit The minimum period is 6 months. which are mandatory. is not available) is required to be furnished for opening a relationship. the applicant as well as the joint applicant. NOTE: • For joint accounts. who are authorized to operate the account under the relationships) should be furnished to the bank. For instance. • As per the reserve bank of India guidelines. the above documents are required for both. spouse. relationship in a single name is different from a relationship in joint names. PAN number or form 60/61 (where PAN No. children) of the applicant.e. Each combination of relationship is distinct and unique and hence is identified by a separate customer – ID. which is for the present. Each relationship with a customer is represented by a customer identification number (customer ID). photographs of all applicant(s) / power of attorney holders (i. unless the joint applicant is a blood relative (parents. branch specific. • As per the reserve bank of India guidelines. • Applicants desirous of a saving 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 time. PRODUCT FEATURES PRIVATE BANKING .

50% of loan amount or Rs. 5.75%. 3. 6.OFFERING 1. 8. E-instruction registration – Free of charge. 7500 whichever is lower.02% and 0. 7. 25000/-). 2. .02% of transaction value. At par cheque book Personalized pay in slip book Debit card – personalized photo signature card with enhanced limits (as of now limit is Rs. 4. Web trade – Initial brokerage rate 0. Home loans administration fee – 0. Demat – Buy and Sell Rates 0. Exclusive private banking phone banking services available with mobile banking free of charge.

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

 Phone Banking Your employees can use our phone banking facility to do banking transactions through our customer care centres.  Free Utility Bill Payments Non-queues No wasted minutes. food etc.  Mobile banking You employees can receive alerts on their mobile handsets providing them information about their ICICI bank accounts and ICICI credit cards account. expenses via reimbursement accounts. using ICICI bank Internet banking. . a reimbursement account can be opened simultaneously along with the salary account saving bank account.  Welcome Kit No more waiting for weeks to get you cheque book and debit cards. which would be linked together with the debit card already held by your employee.from the convenience of their home. We give your employees the facility to transfer funds online from any part of the world.  Reimbursement account If you opt to disburse/ reimburse the travel. ICICI Bank salary account customers will have the facility of filling up a form and getting their cheque books and debit cards immediately. office or from anywhere in the world. Now your employees can pay utility bills like electricity. phone bills etc.  Online funds transfer No need for cash withdrawals and cheque deposits.

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

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?  Following documents are required to open an ICICI bank salary account: • • • Introduction by the company (Stamped and signed by Photocopy of the Pan Card. Letter from employer giving current residential Coy of ID Card / Salary slip address. Any one of the following documents will suffice as valid address proof: • • • • • Latest electricity bill Latest photocopy telephone bill.QUESTIONNAIRE 1. Any latest credit card statement. How do I open an ICICI Bank Salary Account ?  If your organization has an ICICI Bank salary account • • • • 2. Apply online Call us at our 24 hours customer care centre You can just walk into any of our branches Write to us at info@icicibank. address other than your company's address). . Address proof (only in case if you prefer a mailing the authorized signatory).

Do I require and introduction from an existing ICICI Bank account holder for opening a salary account?  No introduction is required from an existing ICICI bank account holder for opening a salary account. proof of your employment / validation from an authorized official of your Human Resource department is sufficient. The reimbursement account can be opened simultaneously along with the ICICI bank salary account.3. What all can I do with the Internet banking facility offered to me with my salary account?  Given below is a small list of transactions that you can do • Balance inquiry online: . What is a reimbursement account? How does it benefit me?  You management can choose to disburse the reimbursements payable to you through a zero balance current account. which is known as a reimbursement account. 5. You will not have to spend time standing in a queue in your organization to collect you reimbursement. 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 your cheque book. which would be linked with the debit card held by you. It also helps you in filling your tax turns. 6. 4. You may retain you debit card and instruct to link the same card to your new account.

dial a draft etc. You can do all the following and many more transaction on the phone: • • • • Balance inquiry Cheque status Cheque book request Stop payment request View current and past statement Service requests like auto debit.• • 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 requests like open a fixed deposit. 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 fingertips. duplicate pin etc. . View you transaction and holding statement Use your ICICI bank account or ICICI Credit card to Bill Payment pay your bills form the comfort. Credit card • • Demat • • 7.

We have tied up with Wells Fargo in US and you can apply for a Wells Fargo bank account here itself. can I still continue getting the benefits of ICICI bank?  ICICI bank has a product tailor made for customers like you. What all can I do under anywhere banking facility offered to me with my salary account?  Anywhere banking facility allows you to operate your account from a branch other than the branch where you have opened you account. L. If I am working for a company. 15. As a salary account holder. you can open a joint account with your spouse or your blood relative by providing us an acceptance letter from your company stating that they have no objection for the same. can I open a joint account and with whom?  Yes.000 per day Balance inquiry Account statement 9. 10. which sends me to the US for a couple of years or so.000 per day Cash deposit up to Rs. If you have a bank account with ICICI bank and a satisfactory banking record you can apply for this facility will be provided to you if you are going to US on B. 50.8. How do I change the nominees for my salary account? . H visa or work permit. The various activities you can undertake under anywhere banking facilities are: • • • • Cash withdrawal up to Rs. For more details contact the nearest ICICI bank branch. 11.

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

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

. with descriptive statistics which is collected through questionnaire. On the basis of the analysis I interpreted the percentage. particularly in case of big inquiries. A questionnaire consists of a number of questions printed or typed in a definite order on a form or a set of forms. I have done the analysis of data.Questionnaire Method This method of data collection is quite popular. 4) Analysis and Interpretation of Data In the survey for the ‘services provided by the ICICI bank’ I have taken 150 respondents from New Delhi. In this method a questionnaire is sent to the persons concerned with a request to answer the questions and return these questionnaires after filling them.

FINDINGS .

AFFORDABILITY Have you every thought about how much your time is worth? Consider how much time you spend managing payroll. is one way you can invest more time into your own business and waste less time worrying about keeping up with the ever changing and complex rules and regulations governing payroll. consider the cost of computer equipment and software as well as the extensive training that is needed to run payroll internally. . This equates to billions of rupees in penalties. A payroll service provider keeps you out of such statistics. At the very least. One such 'other task' is the payroll. PROFITABILITY Do you remember why you went into business in the first place? Certainly it wasn't to calculate state taxes. Top reasons to outsource payroll processing. This equates to time taken away from revenue producing activities. Outsourcing your payroll gives you the freedom to get back to your business. Outsourcing the administrative task of payroll. TAXES Market research shows that one out of every three employers has been charged for a tax related payroll error.FINDINGS Advantage – Employers Successful business owners know that it is better to be an expert on the product or service you are selling and let someone else be the expert on other tasks. Outsourcing with the right payroll service provider will save you time and money.

TIME You have better things to do with your time than calculating payroll. Getting salary cheques out on time is not only expected but also a positive reflection on your company. PROFESSIONALISM What better way to show your employees that your company is professional and secure? Outsourcing your payroll coupled with all benefits of ICICI bank savings accounts will enhance your successful image and will make your employees happy. Don’t get bogged down with the nuts and bolts of personal changes. After all a happy employee is a productive employee. MIS Payroll companies offer a wide array of standard reports that are informative and easy to read. Leave the details to an expert while you focus on your business. FLEXIBILITY As your business changes. PRIVACY It can be embarrassing and detrimental to moral if the wrong eyes fall on the salary cheques. so do your payroll needs. Confidentiality is much easier to maintain when payroll is outsource. Keep you records neat and concise with these invaluable reports. particularly when your employees use direct credit. .

Analysis & Interpretation .

which of these: a) b) c) d) Saving accounts Bank@campus Young stars Salary 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% . Are you using any of the services provided by ICICI Bank? a) b) Yes No 40% 60% Yes 40% Yes No No 60% 2.1. If yes.

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 Partly aware Not aware 10% 70% 20% Not aware 20% Fully aware 10% Fully aware Partly aware Not aware Partly aware 70% .

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

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 .7.

9. If no. Are you satisfied with all the services provided by ICICI Bank? a) b) Yes No 70% 30% No 30% Yes No Yes 70% 10. what are the reasons for dissatisfaction? a) b) c) d) Balance to be maintained 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 Handing Others .

CONCLUSION .

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

SUGGESTIONS .

More and more people should be induced mobile banking and internet banking. For Bank@campus In the bank@campus minimum balance to be maintained quarterly is Rs. It offers deposits or fixed deposits that offer an attractive customer opportunity for money. 3. For saving accounts: In saving accounts the minimum balance to be maintained quarterly is Rs. Marketing efforts put by ICICI are laudable. Following points may be term into consideration to generate customer’s mare interest in sales of various products of ICICI hence: 1.SUGGESTIONS ICICI bank offers the customer excellent & value added benefits.000 which should be decreased somewhat for the convenience of customer. 4. 500 which should be decreased some what for the convenience of students. 5. Salary accounts In the salary account the salary of the employees should be deposited on 1st and 2nd of the month instead of in the mid of month. Awareness Programmes : To make customers fully aware about all the services of bank awareness programmes should be started so that they may utilize them fully. 2. .

ANNEXURE .

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

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

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