A

MAJOR RESEARCH PROJECT REPORT

ON
STUDY ON ICICIS MARKETING STRATEGIES OF FINANCIAL
PRODUCTS MBA BANKING & FINANCE

FOR
SAM COLLEGE OF MANAGEMENT AND TECHNOLOGY
BHOPAL
Submitted In Partial Fulfillment Of The Requirement Of Master Of
Business Administration (M.B.A)
SUBMITTED TO
Mrs. POOJA SAHU

SAM COLLEGE OF MANAGEMENT AND TECHNOLOGY BHOPAL

SUBMITTED BY
Mr. Vikas Prajapati S/O Ramesh Chanda Prajapati
MBA IVth Semester Marketing & Financial Management

SESSION: 2020-2022
Roll No. 2157501645
 Acknowledgement

First of all, I would like to thank my Advisor Mrs.POOJA SAHU

for his untiring guidance, help, effort, and suggestion. Really I
am thankful to him. Without his direct guide this report
couldn't be possible. A very dynamic personality.
constantly inspired us all the time to develop my
career and share his knowledge with us. I shall remain ever
grateful for his extraordinary gesture and relentless effort.

I would like to thank Prof. POOJA SAHU MAM

Project Coordinator of us from SAM College of Management
for their valuable Instructions and Guidance during the
Internship program.

Sincerely,
Vikas Prajapati MBA 4 SEMESTER
Semester Marketing & financial management
 DECLARATION

I am Vikas Prajapati student of the MBA 4 Semester of SAM

COLLEGE OF MANAGEMENT & TECHNOLOGY, Bhopal
hardy declare that the project report entitled Semester
Marketing & financial management Is my own original hard
work based on every undertaken by me.
I also declare that this report not been submitted to any
university/Institute for the award of any degree of any
professional diploma.

DATE – /06/2022

Vikas Prajapati
MBA 4 SEM
BRANCH – Semester Marketing & financial management
 COMPANY CERTIFICATE

This is to certify that Institutional Training Report submitted

by Vikas Prajapati SAM COLLAGE OF
MANAGEMENT OF TECHNOLOGY BHOPAL, Barkatulla
University, in Partial Fulfillment of the requirements for the
degree of master of business administration is record of work
carried out by ber under my supervision the contact of this
report in full or in parts have not been submitted in any from
to any other institute of university for the award of any degree
or diploma.

Guide :
 TABLE OF CONTENTS

S.NO. TITLE PAGE NO.

1 Student Declaration (i)
3 Certificate from Guide (ii)
4 Acknowledgement (iii)
5 Executive Summary (iv)
Chapter - 1: INTRODUCTION
6 1.1 About the Industry
1.2 About Company Profile
Chapter - 2: LITERATURE REVIEW
7 2.1 Literature Review
2.2 About the Topic
Chapter - 3: RESEARCH METHODOLOGY
8 3.1 Objective of the Study
3.2 Research Methodology
9 Chapter - 4: ANALYSIS & INTERPRETATION
Chapter - 5: FINDINGS & SUGGESTION
10 4.1 Findings
4.2 Suggestions
11 Chapter - 6: CONCLUSION
12 BIBLIOGRAPHY

13 QUESTIONNAIRE
Chapter 1: INTRODUCTION
 INTRODUCTION

INDIAN BANKING SECTOR

The Reserve Bank of India (RBI) is India‟s central bank. Though public sector bank‟s
currently dominate the banking industry, numerous private and foreign banks exist.
India's government-owned banks dominate the market. Their performance has been
mixed, with a few being consistent profitable. Several public sector banks are being
restructured, and in some the government either already has or will reduce its
ownership.
PRIVATE AND FOREIGN BANKS
The RBI has granted operating approval to a few privately owned domestic banks; of
these many commenced banking business. Foreign banks operate more than 150
branches in India. The entry of foreign banks is based on reciprocity, economic and
political bilateral relations. An inter-departmental committee approves applications for
entry and expansion.

CAPITAL ADEQUACY NORM

Foreign banks were required to achieve an 8 percent capital adequacy norm by March
1993, while Indian banks with overseas branches had until March 1995 to meet that
target. All other banks had to do so by March 1996. The banking sector is to be used
as a model for opening up of India‟s insurance sector to private domestic and foreign
participants, while keeping the national insurance companies in operation.
BANKING
India has an extensive banking network, in both urban and rural areas. All large Indian
banks are nationalized, and all Indian financial institutions are in the public sector.
RBI BANKING
The Reserve Bank of India is the central banking institution. It is the sole authority for
issuing bank notes and the supervisory body for banking operations in India. It
supervises and administers exchange control and banking regulations, and administers
the government‟s monetary policy. It is also responsible for granting licenses for new
ban branches. 25 foreign banks operate in India with full banking Licenses. Several
licenses for private banks have been approved. Despite fairly broad banking coverage
nationwide, the financial system remains inaccessible to the poorest people in India.
INDIAN BANKING SYSTEM
The banking system has three tiers. These are the scheduled commercial banks; the
regional rural banks, which operate in rural areas, not covered by the scheduled banks;
and the cooperative and special purpose rural banks.
SCHEDULED AND NOW SCHEDULED BANKS
There are approximately 80 scheduled commercial banks, Indiana and foreign; almost
200 regional rural banks; more than 350 central cooperative banks, 20 land
development banks; and a number of primary agricultural credit societies. In terms of
business, the public sector banks, namely the State Bank of India and the nationalized
banks, dominate the banking sector.

6%
6%
5%
3% National Banks

Corporation Banks

Private Banks

Multinational Banks

Money Lenders & Others

80%

MARKET SHARE
 COMPANY PROFILE OF ICICI BANK
In the year 1955 The Industrial Credit and Investment Corporation of India Limited
(ICICI) incorporated at the initiative of the World Bank, the Government of India and
representatives of Indian industry, with the objective of creating a development
financial institution for providing medium-term and long-term project financing to
Indian businesses. Mr.A.Ramaswami Mudaliar elected as the first Chairman of
ICICI Limited.
ICICI emerges as the major source of foreign currency loans to Indian industry.
Besides funding from the World Bank and other multi-lateral agencies, ICICI also
among the first Indian companies to raise funds from International markets.
Next year ICICI declared its first Dividend at 3.5%, and in 1958 Mr.G.L.Mehta was
appointed the 2nd Chairman of ICICI Ltd. In 1960 ICICI building at 163, Back bay
Reclamation was inaugurated.
And very next year i.e. in 1961 the first West German loan of DM 5 million from
Kredianstalt was obtained by ICICI.
In 1967 ICICI made its first debenture issue for Rs.6 crore, which was oversubscribed.
After two years first two regional offices in Calcutta and Madras were opened. Then in
1972 ICICI establish its second entity in India to set-up merchant banking services,
and Mr. H. T. Parekh appointed as the third Chairman of ICICI.
In 1977 ICICI sponsors the formation of Housing Development Finance Corporation,
and also managed its first equity public issue, and next year Mr. James Raj appointed
as the fourth Chairman of ICICI, but he was replaced by Mr.Siddharth Mehta in the
year 1979.
In the year 1982 ICICI becomes the first ever Indian borrower to raise European
Currency Units, and in the same year ICICI commences leasing business. After two
years Mr. S. Nadkarni appointed as the sixth Chairman of ICICI and in the year 1985
Mr.N.Vaghul appointed as the seventh Chairman and Managing Director of ICICI.
In 1986 ICICI first Indian Institution to receive ADB Loans. First public issue by an
Indian entity in the Swiss Capital Markets and ICICI along with UTI sets up Credit
Chapter 2: LITERATURE REVIEW
INTRODUCTION OF ICICI BANK

Financial services and wide range of banking products are offered by ICICI Group and
retail customers through a variety of delivery channels and through its specialized
group companies, subsidiaries and affiliates in the areas of personal banking,
investment banking, life and general insurance, venture capital and asset management.
In their respective sectors ICICI Group companies have enhanced and maintained their
leadership position with the support of strong customer focus.
Second largest India‟s bank is ICICI with the total assets of Rs. 3,793.01 billion (US$
75 billion) at March 31, 2009 and for the year ended March 31, 2009 profit after tax is
Rs. 37.58 billion. In India, the ICICI bank has a network of 1,451 branches and total
ATM‟s are 4,721 and existed in 18 countries.

HISTORY

1955:
The government of India and representatives of Indian industry, the Industrial
Credit and Investment Corporation of India Limited (ICICI) is incorporated at the
initiative of the World Bank. In order to provide the medium and long term project
financing to Indian businesses development financial institutions are created. First
chairman of ICICI limited is Mr.A.Ramaswami Mudaliar.
ICICI emerges as the major source of foreign currency loans to Indian industry.
In the Indian companies, ICICI is the first company for increasing the funds from
international markets besides funding from the World Bank and other multi-lateral
agencies.
1956:
ICICI stated that its first share is 3.5%.
Business:
In 1994 through ICICI Ltd., Indian development financial institution, ICICI
bank was advanced. Among all private banks ICICI bank has to develop into largest
commercial bank so consequently two entities are combined. In the second half of
nineties to beat the Indian banking industry, with new technologies ICICI bank which
is a new generation bank is in progress. VSAT technology is used in network along
with systems and state-of-the-art technology in ICICI bank branches, these branches
are automated fully.
With SWIFT International network, bank is having relation and network of ICICI
bank is extended in 2005 as 1,910 ATMs and 562 branches. Some of the electronic
channels like call centers and ATMs, internet banking, mobile banking are increased
and for these channels number of customer transactions are transferred then more than
70% of customer transactions are happening.
To increase deposit franchise overseas and corporate business a small Russian banking
entity, Investitsionno-Kreditny Bank (IKB) is obtained by ICICI bank. Through DBS
in Singapore, Lloyds TSB in UK and Wells Fargo in USA banks, ICICI bank is
having a number of dealings.
To do mutual business, ICICI planned to deal with prudential plc. Of UK. Through
Prudential ICICI Trust Limited and Prudential ICICI Asset Management Company
duo is moderately insistent. Towards the Indian agricultural sector, to offer services
ICICI bank is ready. By means of large agriculture markets, in place more than 70
agri-desks and 2000 Internet kiosks are started.

Developments:

„Mutual Fund Sweep Account‟ is started by ICICI Bank- Since to receive higher
income, parking their short-term excess into liquid mutual funds when existing
account holders are permitted by automatic sweeping facility. During GIC Mutual
Fund and Prudential ICICI Asset Management Companies liquid fund schemes to
invest an excess account, present account customers of ICICI bank are having ability.
In ICICI, ICICI Capital Services Limited and ICICI Personal Financial Services
Limited are two combined wholly-owned subsidiaries, these two subsidiaries are in
progress with ICICI bank.
Towards Rs.500 crore CD (Certificates of deposit) programme of IBL (ICICI Bank
Ltd), the short-term of safety is represented as A1+rating it is allocated by ICRA.
To start the credit cards of ICICI Bank Master Card, MasterCard International is
occupying ICICI Bank. About 4, 50,000 debit cards of ICICI bank are situated where
as 5, 50,000 credit cards are situated at present. In market main card issuer is ICICI
bank. For every month by rate 1, 00,000, debit and credit cards are added by bank. The
debit card business is the latest one where as credit card business is started 2 years
back by bank.
At the end of December 31, 2009 profit is Rs. 30.19 billion (US$ 648.8 billion)
for nine months after tax, for total resources of Rs. 3, 562, 28 billion (US$ 77 billion)
at December 31, 2009 thereforeIndia‟s second-largest bank is ICICI. 4,883 ATMs and
1,646 branches network in banks, inIndiaand at present in 18 countries. During
specialized subsidiaries and variety of delivery channels, for retail customers and
corporate customers an open series of financial services and banking products are
presented by ICICI and in regions like asset management and venture capital,
investment banking, life and non-life insurance it is joined.
Technology:

In an extremely automated environment the HDFC bank functions in terms of

communication systems and information technology. Towards its customers this bank
is allowed to present transfer facilities of speedy funds, because every branch of this
bank contains online connectivity. To deal with customers through the Automated
Teller Machines (ATMs) and branch network, a multi-branch access is also offered.
In order to gain the best technology which is available internationally so as to create
infrastructure for a world class bank, considerable investments and efforts were made
by the bank. Through robust and scalable systems, the business of the bank is
sustained which makes sure that the clients are always provided with supreme
services.
In the internet and technology, the bank has prioritized its commitment as one of its
major aims and also in web-enabling its core business an important progress has been
already made. To produce a build market share and competitive advantage, the bank
has been successful in influencing its market position, in all of its business.
In association with the VISA (VISA Electron) an International Debit Card is
launched and as well as issues the Master card Maestro debit card by the first bank
inIndiawhich is HDFC Bank. In late 2001, HDFC launched its credit card business. A
total card base (credit and debit cards) HDFC bank crosses over 13 million by the end
of the March 2009.
The Bank is also one of the leading players in the “merchant acquiring” business
with over 70,000 Point-of-sale (POS) terminals for debit / credit cards acceptance at
merchant establishments. The Bank is well positioned as a leader in various net based
B2C opportunities including a wide range of internet banking services for Fixed
Deposits, Loans, Bill Payments, etc.
 MARKETING STRATEGY OF ICICI BANK

DEPOSITS SCHEMES
SAVINGS BANK ACCOUNTS
Opening of accounts
Savings Bank Accounts should be opened in accordance with the Bank‟s rules framed
for the conduct and maintenance of such accounts and also in conformity with the
directives issued by Reserve Bank of India and India Banks Association from time to
time.
Minimum deposit
The minimum amount with which a Savings Bank Account can be opened is Rs. 100/-
for non Computerised Branch & Rs, 500/- for Computerised Branch. It should be
ensured that this minimum balance is maintained by the account holder at all times.
However a minimum balance of Rs. 250/- should be maintained in the account if
cheque book facility is required by the account holder. If the minimum balance of Rs.
250/- is not maintained in such an account in any month, the Branch should charge
service charges on such accounts at the rate fixed by the Bank from time to time.
The minimum amount with which Savings Bank Account can be opened is Rs. 100/-
in Rural & Semi-Urban, Rs. 250/- in Urban & Metro.
For all branches except computerised branches minimum amount of balance should
be:
(i) Rs. 100/- for Savings Bank Account without cheque book facility
(ii) Rs. 250/- with cheque book facility.
Rs, 500/- for computerised branches with or without cheque book facility.
If the minimum balance of Rs. 250/- or Rs. 500/- as the case may be is not maintained
in such account the Branch should charge service charges on such accounts at the rate
fixed by Bank from time to time.
Who can open Savings Bank Accounts current account
The account can be opened by the following:
(i) An individual in his/her own name
CURRENT ACCOUNTS
Current Accounts
A current account is a running and active account which may be operated upon any
number of times during a working day. There are no restrictions as to the number and
amount of withdrawals from a current account. These accounts are normally opened
by businessmen, joint stock companies, institution, public authorities and public
corporations. No interest is payable on these accounts arid hence they are a source of
comparatively low cost lendable resources to the Bank. All efforts should therefore be
made to mobilise maximum deposits in Current Accounts.
Special Features of Current Accounts
The Reserve Bank of India prohibits permanent of interest on balances laying in
current accounts. Except in the following cases:
(a) On current account balances of Regional Rural Banks at half percent below the
borrowing rate fixed for RRBs for borrowing from the sponsor Bank.
(b) In case of balances laying in current account in the name of deceased
individual depositor or sole proprietorship firm from the date of death of the
depositor, till the date of repayment to the legal heirs, representatives or
nominee at the rate of interest on Savings Bank account applicable on the date
of payment.
There are no restrictions on the number and amount of withdrawals.
Third party cheques and cheques with proper/regular endorsements are collected for
the credit of current account balances.
 Title of the account.
 Initial deposit.
 The status of account holder.
 Declarations regarding the banking/borrowing arrangements.
 Address.
 Operating instructions.
 Nominations.
 Name(s) and Specimen Signature(s).
  Introduction.
 Signature of the Officer.
 Issuance of cheque book.
Accounts of Sole Proprietorship Concerns
It is an account in the name of a firm or business owned by one individual who is its
proprietor. It is operated upon by the individually in his capacity as the sole Proprietor
of the firm. The name of the account may be different from the name „Of the
proprietor.
All the formalities for opening a current account as mentioned in paragraph 4 above
have to be completed.
Joint Hindu Family Account (Hindu Undivided Family Accounts
Generally, a Joint Hindu Family has some property owned by all the members as
ancestral property. The ownership of such property passes on to the members of the
family according to the Hindu Law. According to Mktakshara School of Hindu Law,
every male member of the family acquires an. interest in the joint property by birth.
After the enforcement of Hindu Succession Act 1956, the share of the deceased
coparcener who was a member of the Joint Hindu Family divisible amongst the wife,
daughters and other relatives as given in the Act. A daughter is a member of the
H.U.F. only till she is unmarried.
While opening and conducting an account in the name of Joint Hindu Family, a has to
bear in mind the following aspects
(i) The family business and its assets are managed by the eldest male member
known as Karta. The sons, grandsons, great grandsons lineally descended from
a common ancestor are called Co-parceners. The H. U. F. also includes their
wives.
(ii) Joint Hindu Family firm is not a partnership, therefore, it is not governed by
the Partnership Act.
(iii) The account should be opened in the name of the Karta or in the name of
family business.
(iv) The form for “Jointly Family Declaration” (Annexure 9) should be obtained
duly signed by Karta and other major members of Joint Hindu Family y.
(v) The names all the minors with their date of birth/ages should be noted on the
account opening form.
Inoperative Current Accounts
In this cases where there are no operations for 6 months or more and minimum
balance is not being maintain as shown below, a service charge of Rs. 25/-per every 6
months. (March & September) should beleived, till the balance is reduced to Rs. 100/-.
There‟ after the account should be closed and the balance should be appropriate under
advice to the Account holder with a request to return the unutilised cheque leaves an9
to get the Pass book updated.
Minimum Balance in Current Account:
Metro Urban Semi-Urban Rural
3000 3000 1000 1000
In account where, the minimum balance is over the above and there are no transactions
for 6 months or more, the account holder should be contacted to operate the account.
Alternatively, a suggestion should be made to them to open a Savings Bank account if
eligible to do so. If not so eligible, and want their Current Account to continue, the
same be allowed and a service charge should be levied as per H. 0. circular issued
from time to time.
In all such cases, as in the case of unsatisfactory accounts it is desirable to give
sufficient notice before closing down the account.
FDR (Fixed Deposit Scheme)
 In a term deposit scheme the investment c be made from 15 days to 10 years and
interest is payable as per chart at quarterly intervals. Monthly payment of interest
is also made on specific request at discounted rates.
 Interest may also be drawn at half-yearly intervals at the option of the depositor
where upon the interest as per chart will be compounded at quarterly/ intervals.
 As an illustrative example, if a deposit of Rs.l0,000/- is placed for five years at
11% p a., the interest receipt options would be as follows:
 LLRD (Loan Linked Recurring Deposits
This is a scheme similar to the RD scheme with a facility to take a loan equivalent to
three times the maturity value of the deposit for purchase of a consumer durable. The
loan is however restricted to 75% of the value of the consumer durable or Rs.75, 000/
whichever is lower.
Icici Freedom Deposit Scheme
Icici Freedom Deposit is a Liquid Fixed Deposit. What this means is that upto 90% of
the initial principal amount can be withdrawn by simply writing out a cheque.
Meanwhile the whole amount will continue to get interest for the entire period. The
Icici Freedom Deposit requires a minimum period of 1 year and a maximum of 5
years. Individuals, in single or joint names, corporate bodies and firms can open a Icici
Freedom Deposit.
(P.S.: Interest rates are subject to change without notice. Under cumulative interest
schemes, the total interest payable or the maturity value gets mod if Tax Deduction at
Source (TDS) becomes applicable. At present TDS is applicable for domestic deposits
where annual interest payable during a financial year is Rs.10,000/- or higher and in
case of NRO accounts irrespective of the amount)
Previous debenture/bond issues
Previous bond issue 2005
february 2005 | march2005 | june2005 | july 2005 | august 2005 | september 2005 |
november 2005sept04 | december 2004
Amount allotted
Rating at the
date of issue Description (rs. Crore Date of redemption
time of issue
unless otherwise specified)
February 2005 Public subscription tax saving bond "laaa" by icra
unsecured redeemable regular income bond "care aaa" by
bonds in the nature of money multiplier bond care
debentures aggregating children growth bond
rs. 250 crore with a right pension bond
to retain
oversubscription up to
rs. 250 crore.
ANY TIME FACILITY
Under this facility, an investor can access his savings by selling back a maximum of
50 bonds a day to icici directly, without going through the bse or the nse, where the
icici safety bonds are listed.
Eligibility
Eligible investors and bond holders. However, applications can be made by:
 Individuals in their own names or in the names of their minor children to
whom they are natural/legal guardians.
 Joint holders (not exceeding three).
 Hindu undivided families through the karta.
 Companies, corporates, trusts, scientific and/or industrial research
organisations, societies registered under the applicable laws in india.
 Provident / superannuation / gratuity funds.
 Public financial institutions, statutory corporations, registered partnership
firms, association of persons.
 Mutual funds.
 Commercial / co-operative / regional rural banks.
 Nris, ocbs, fiis, foreign nationals, foreign corporates or their nominees/ agents,
subject to rbi permission.
Procedure
Just fill the application form and submit it at any of the authorised collection centers in
your city, along with the bond certificate(s) and unencashed interest warrants, if any
and you will receive an acknowledgement slip. Submit a separate application form for
each code of bond. Submit a separate application form for each folio number. An
investor can sell up to a maximum of 50 bonds on any day. After verification and
scrutiny of the application form and the attached certificate(s) and warrants, a cheque
will be issued and sent to you. The payment cheque/ warrant would be issued in the
name of the sole/ first bondholder.
Electronic clearing service (ecs) facility
The reserve bank of india (rbi) has introduced the concept of ecs through the
clearing house to obviate the need for issuing and handling paper instruments and
thereby facilitate improved customer service. Icici may make available such facility at
the centres where the rbi provides the facility.
Prices of bonds
The bonds are sold as per a price card issued by icici on a weekly basis to reflect the
prevalent market rates. The price card with the current rates for sale for each of the
bonds available under this facility will be made available at all designated collection
centers and leading brokers in your city.
The price of the bond depends upon the accumulation of interest on the bond and the
interest rates prevailing at the time of sale.
The price applicable is the price as on the date the application form is submitted to the
designated collection centre.
2.GOI RELIEF FUNDS
RELIEF BOND - BASIC FEATURES
Relief bonds were first introduced in december 1987 to tide over drought
conditions then prevalent in india. The main features of these bonds are as follows:
MATURITY PERIOD 5 YEARS
RATE OF INTEREST 8.0% PER ANNUM
RISK ATTACHED Low risk
MINIMUM INVESTMENT RS. 1,000/-
MAXIMUM INVESTMENT RS 2 LAKHS
LOAN FACILITY AVAILABLE
OVERALL LIQUIDITY GOOD
THE DATE OF ISSUE OF BONDS WILL BE DATE OF
RECEIPT OF SUBSCRIPTION IN CASH OR THE DATE
DATE OF ISSUE
OF REALISATION OF DRAFT/PAY ORDER AS THE
CASE MAY BE.

RELIEF BOND -PAYMENT OF INTEREST

 Non-cumulative : interest will be paid uniformly at the half yearly rests on 1st
july and 1st january every year by crediting the bond holder's account or by
payorder/demand draft. Broken period interest from the date of issue upto 30th
june or 30th december as the case may be will be paid.
 Cumulative : interest at the rate of 8.0% per annum compounded with half
yearly rests , will be paid to the investor on maturity along with principal.( the
maturity value of the bonds shall be rs 1516/- for every rs1000/-).further,
interest at the rate of 8.0% per annum will be payable to such of the holders
who do not encash their bonds on the expiry of five years, at half yearly rests
or compounded with half yearly rests as the case may be. Such interest will be
payable from the date maturity till the bonds are redeemed.
Relief bond -tax concessions
 Income-tax : interest on the bonds will be exempt from income-tax under the
income-tax act, 1961.
 Wealth tax : the bonds will be exempt from wealth-tax under the wealth- tax
act,
 A nomination made by a holder may be varied by a fresh nomination or may
be cancelled by giving notice in writing to the bank
 If nominee is a minor , the holder of bond ledger account may appoint any
person to receive the bond/amount due in the event of his/her death during the
minority of the nominee.
Relief bond - eligibility
 Individual in his or her individual capacity.
 Individual capacity on joint basis
 Individual on behalf of a minor as father/ mother/ legal guardian
 Hindu undivided family (huf)
 Non-resident indian (nri) without right of repatriation
Nomination
 A sole holder or a sole surviving holder of a bond may nominate one or more
person who shall be entitled to the bond and payment thereon in the event of
his/her death.
 When two or more persons are nominated, in the event of death of a nominee,
the title of the bonds vests in the surviving nominee/s.
 A nomination made by a holder may be varied by a fresh nomination or may
be cancelled by giving notice in writing to the bank.
 If the nominee is a minor, the holder of bond ledger account may appoint any
person to receive the bond/amount due in the event of his/her death during the
minority of the nominee.
3.MUTUAL FUNDS
 Features
 Mutual funds online works as below :
 Investor clicks on mutual funds bazaar on the site and selects the fund he/she
wants to invest in
 After selecting the fund the investor clicks on applications
 A screen is displayed to the investor, which gives option to invest online if
he/she is an icici bank internet banking customer or download form
 When customer chooses to invest through icici bank internet banking, he is
displayed "online application" form. He/she has to fills the form online and
submits the same
 Upon submitting the customer is taken to icici bank internet banking log in
screen and after log in, directly to the payment authorization screen
 Customer authorizes the transaction and he is taken back to mutual fund online
 Customer is displayed the application number and transaction confirmation
code
 The customer gets mutual funds unit of date if application is within cutoff
time. In case of ipo applicant will get units upon allotment being made
 The mutual fund approaches customer/s for their signatures. The first
applicant, who should be an icici bank internet banking customer, should sign
as icici bank records. The mutual fund may seek verification of first applicant's
signatures from icici bank
 The transaction is complete for the icici bank internet banking customer at this
point of time
 When customer chooses to download application, he is displayed "download
application" form. He/she has to fills the form, sign it and submits the same in
a designated branch of icici bank along with payment instrument.
LIQUID PLAN

Income plan
Gilt investment

Balanced fund
type Open ended balanced fund
Investment pattern Equity & equity related 95% & debt, money market and cash 5%
Fund objective To seek to generate long-term capital appreciation from a portfolio that is invested
predominantly in equity and equity related securities.
Investment horizon Suitable for investors who seek an exposure to the stock market but don‟t want to take all
the risk.
Net asset value Calculated & declared on every business day
Business day A day other than (1) saturday and sunday, (2) a day on which banks or mumbai stock
exchange or rbi are closed in mumbai (3) a day on which there is no rbi clearing/settlement
of securities or (4) a day on which sale and redemption of units is suspended by the
trustees/amc.
Application amount Rs. 5,000/-( plus in multiples of re. 1)
Min. Additional Rs. 1000/-
investment
Portfolio disclosures Quarterly
Entry load 1%
Exit load Nil
Redemption cheques Within 3 business days
issued
Minimum redemption Rs. 1000/-
amt.
Cut off time 3.00 p.m.
Systematic investment Monthly: minimum rs. 3000 + 6 post-dated cheques for rs. 1,000 each. Quarterly: minimum
plan rs. 3000 + 2 post-dated cheques for rs. 1,500 each.
Systematic Minimum of rs. 1000/-and multiples thereof.
withdrawal plan
Switch facility Available
Tax benefits Tax free dividend, capital gains tax, indexation benefits and sec 54ea & 54eb
Nomination facility Available
Mode of holding Single, joint or anyone or survivor
Date of allotment November 3, 1999
Cards
1Credit cards
Pick a card
Presently, they have three main types of cards:
True blue
 Bandhan: add-on card with self-set limits
 Web based access to get details about your statements, payment status and
requests
 24-hour customer call centre
 Access to all visa approved atms
 Lowest annual fee of rs 300
 Dial-a-draft at a 1% fee
 Accepted across 1,10,000 merchant establishments in india and nepal
 Accident insurance of up to rs 3 lakh
 Purchase protection of rs 10,000
 Credit shield of rs 10,000
 Earn while you spend: icici plus reward program
 Airlines and railway bookings
 Accepted at select petrol pump stations

 Purchase protection up to rs 40,000

 Credit shield of rs 50,000
 Comprehensive travel benefits
 Bandhan: add-on card with self set limits
 Comprehensive insurance (household, baggage, hospitalisation, personal
accident) for both primary and add-on cards
 Airline and railway bookings
 Accepted at select petrol pump stations
 Earn while you spend: icici plus reward program
Documents - salaried (any one)
Pay Salary Appointment letter
Payslip# Itr Form 16
certificate certificate* within come details
Public ltd Yes No Yes Yes Yes Yes
Psu / govt Yes Yes Yes No Yes No
Mnc Yes No Yes Yes Yes Yes
Pvt ltd No No Yes No Yes No
Proprietorshi
No No Yes No Yes No
p
Partnership No No Yes No Yes No
# not greater that two months old
* original
Documents - self employed
Itr
Pvt ltd Yes
Proprietorship Yes
Partnership Yes
Professionals Yes

DEBIT CUM ATM CARD

Basic features
Combining the acceptability of a credit card and the prudence of an atm card,
the icici ncash debit card is a most convenient accessory for you. No more fear of
overspending. No more searching for the nearest atm. Only more comfort and
convenience! With the icici ncash card you can shop using visa electron's on-line debit
program, and debit your icici bank account directly when transacting at any visa
accredited member establishment or atm across the world!
The ncash card comes packed with the following features:
Direct on-line debit to your savings account. Accepted at over 30,000 merchant
establishments & 1,000 visa atms all over india. International card, offering deposit
access at over 11 million merchant establishments visa atms all over the world. 24
hour customer call centre - 1901333444 (all regions except baroda,ahmedabad) for
baroda - 98250-07222 for ahmedabad - 6566399. Attractive reward points for
purchases. Itemised billing on your bank statement. Zero lost card liability. Annual
charges : rs 99/-
Rewardsprogram:
the bank will reward your ability to spend wisely. Our special ncash reward program
will credit 1 loyalty point to your account for every rs. 100 that you spend at merchant
establishments. You will need to accumulate at least 100 loyalty points within a period
of 6 months before the loyalty points are redeemed in your account. Each loyalty point
will carry a redemption value of re. 1.
Lost card, insurance:
in case your card is lost or stolen, you just need to call our 24 hour customer call
centre at 1901333444 (all regions except baroda, ahmedabad) for baroda - 98250-
07222 for ahmedabad - 6566399. A new card will be issued and sent to you within 1
week of reporting this loss. You are protected from any financial liability arising from
any purchase transactions done on your card, from the time you report the loss to us.

With the icici ncash card you can shop using visa electron's on-line debit
program, and debit your icici bank account directly when transacting at any visa
accredited member establishment or atm across the world!

ATM
Atm features icici bank atm is the easiest and the fastest way to directly access your
account. Round the clock. Round the year. Only atm cards are issued in the following
branches.
With the icici bank atm card, you can :
 Operate up to 10 accounts with a single atm card of yours in the same branch.
 Withdraw up to rs.15,000 if the atm is on-line per day per card (connected to
our central switch), or rs.3,000 if the atm is off-line. (rs 25000 for icici select
customers)
 Deposit up to 30 notes at one time. You can also deposit your cheques through
the atm (only available on atms with deposit facility)
Benefits
 Same day clearance - your cash deposits made during business hours will be
credited to your account on the same day.
 Transfer funds between your accounts in the same branch and view the balance
in your account (when the atm is on-line).
 Cheque book request - you can even request for a cheque book for any of your
accounts linked to your card through the atm
 Mini-statement - you can get a mini-statement listing the last ten transactions
in any of your accounts linked to your atm card (currently this is only possible
with on-line atms)

Eligibility
 To posses an icici bank atm card, you must be: Over 18 years of age and a
savings account holder with authority to operate the account in an individual
capacity or a current account holder (only for a current account in individual
name, proprietorship or partnership)
Collector services
Basic features
Collector is a smart new drop-box placed at all icici bank branches, extension
counters & atm centers spread all over mumbai. It is a quick, convenient and highly
effective mechanism to
 Collect bill payment for service providers. Instrument sorting, clearing and
preparation of daily mis add further value to the entire proposition.
 Instalment payment
 Customer survey feedback
 Application form collection
 Card drop prospects generation
 Data base generation
Locations
Our collectors are located in office localities, commercial areas, airports, petrol
pumps and popular routes taken by office going population. And most importantly in
residential areas too. For more information and inquiries on collector, contact anirban
dutta on 6537257 or suhail kazi on 6538265 or write to collector@icicibank.com

NRI SEVICES
Our overseas representative offices include:
UK
icici bank limited
Uk representative office
78, cannon street,
London ec4n 6nq uk
Tel: 44 (0)207 6186535
Fax: 44 (0)207 6188001

USA
icici bank limited
New york representative office
Suite 2330, 500, 5th avenue,
New york ny 10110
Tel: 1 408 5721365
Fax: 1 646 8278435
Money to India
At icici bank we realize that you need an easy, convenient and speedy channel
to transfer money back home, in india, either to your own account or to your loved
ones. Please select the country of your residence to find out the option of remitting
money thats suits your needs the best. Our money2india service, offers distinct
benefits for you and your beneficiary. You have various channels to remit money
internet - easy to use online remittance. Post - reliable and fast bank - across the
counter and hassle free Your beneficiary too gets multiple choices to receive money.
The most convenient means of receiving the money is a direct credit into an icici bank
account.if your beneficiary holds an account with any bank# , the funds can get diectly
credited to that account. We even provide you the facility of sending a draft directly to
your beneficiary's home. You can also directly open a fixed deposit with us by
remitting money through money2india
Loans
home loans: it can be used for construction of a new house or for purchasing a house
,flat or apartment. It can also be used for extending your existing house .finance is
provided up to a maximum of 85% of the property cost or construction cost Land
loans:
it can be used to acquire a plot of land for residential use.finance is providec to a
maximum of -#85% if land is purchased from a development authority.
#75% if land is purchased from a society or an individual.

What's so unique about icici home loans/land loans?

attractive interest rates door-step service from enquiry stage till final
disbursement no charges for part-prepayment loan tenures stretching up to 10
years legal due diligence to ensure clear title to property with no additional
cost to customer
Chapter 3: RESEARCH METHODOLOGY
 OBJECTIVES

 To study the benefits of this product provided by various banks.

 To make comparative analysis with all the leading banks.
 To recommend strategies to enhance the promotion of banks.
 The primary purpose of this study is to present a clear picture of how
banking started in India.
 An overview of ICICI bank in area of loans and banking in India.
 RESEARCH METHODOLOGY
DATA SOURCES
The research involved gathering Secondary data as well as Primary data. For the
purpose two types of survey was conducted by me to collect the data -
 Customer survey and
 Consumer survey
PRIMARY - DATA
Customer survey was conducted to gather initial data from the market.Here the main
emphasis was given on the Retailers because they are the one‟s who are directly in
contact with the consumer and deal more then any other person in Cigarette Industry
distribution channel network .
Consumer survey was done to know their purchasing behaviour because they are the
one who constitute the market and are the target of the business . In Cigarette Industry
untill and unless we have the knowledge of the consumer behaviour and factor which
influence them to buy a paticular brand ,companies cannot focus upon the target
market. Hence a consumer survey was done to know their wants, purchasing power,
and buying habits in order to segment the market , and based on this consumer profile
was identified.
SECONDARY DATA
Secondary data regarding sales figures, promotional expenses and other related
expenses was collected from the company‟s own record to analyse the impact on sales
due to the running schemes and make cost benefit analysis.
RESEARCH APPROACH
Primary data can be collected in four ways –
Observational research
In this data is collected by observing the relevent people and settings.
Focus-group research
A focus-group is a gathering of six to ten people who Are invited to spend sometime
with a skilled moderator.
Survey research
While above two are best suited for explorative research, Survey research is best
suited for my purpose i.e.for Descriptive Research.
Experimental research
The most scientifically valid research best suited for causal research .
After analysing all, the best suited for my purpose is the survey research ; survey of
Wholesalers , retailers ,and consumers, this mode helped me to know consumer
knowledge about the schemes , their preferences and satisfaction.
FOR CUSTOMER SURVEY
Sample Unit : Retailers and Wholesalers.
Sample Size :It was not possible to cover the entire population of approximatly 21000
Retailers in the Delhi and their remote locations where they are Located 250 retailers
were studied by me for this research (nearly 2% of the population ).
Sample Procedure : To obtain a representative sample , a probability sample of the
population was drawn i.e. Cluster ( area ) sample , where Delhi City was divided
into 14 Area sample under five blocks of similar Category-
 Connaught Place
 South Extension.
 Green Park
 Defence Colony, Karol Bagh, Lajpat Nagar
FOR CONSUMER SURVEY
Sample Unit : Cigarette smokers
Sample Size : The population of city alone is more then a crore plus 35lacs of moving
Population and if we take around 15% as cigarette
consumer, then also it is huge figure .For observing the behaviour of the consumer
,100 consumer representing different cross- section of the society were taken up for
survey.
Sample Procedure : Nonprobability Convienience Sample was adopted i.e. the most
accessible members of the population.
PRODUCT PROFILE
Various Products of ICICI Bank Ltd. (Only in Loans)

 HOME LOANS
 PERSONAL LOANS
 CAR LOANS
 TWO WHEELER LOANS
 COMMERCIAL VEHICLE LOANS
 LOANS AGAINST SECURITIES
 FARM EQUIPMENT LOANS
 CONSTRUCTION EQUIPMENT LOANS
 OFFICE EQUIPMENT LOANS
 MEDICAL EQUIPMENT LOANS
 ORGANIZATIONAL CHART
Senior G.M. (Head)
Mr. V. Baidyanathan

G.M. (Group Business Head)

Mr. Sachin Khandelwal

Business Head
Mr. Ravi Narayanan

Zonal Sales Manager Zonal Sales Manager

Mr. Jitendra Diwan Mr. Sundar Subramanayam

Regional Regional Regional Regional Regional Regional Regional Regional

Sales Sales Sales Sales Sales Sales Sales Sales
Manager Manager Manager Manager Manager Manager Manager Manager

Area Sales Manager

Mr. Rohit Choudhary

Relationship Manager
Mr. Gaurav Marwah
Chapter 4: ANALYSIS&
INTERPRETATION
 FINDING ANALYSIS
1. Do you Know about Icici bank
(a) Yes - 92%
(b) No - 8%

8%

Yes
92%
No
2. Have you ever opted for services & products from Icici bank?

(a) Yes - 61%

(b) No - 39%

39%

61% Yes
No
Chapter 5: FINDING &
SUGGESTION
 FINDINGS & SUGGESTIONS
 It was found that all the branches have not been able to contribute their due share
to the overall growth of the bank.
 About 14% of the branches have sho decline in deposits levels whereas about 16%
of branches could not show even 5% growth in deposits.
 F It was also found that the market share of the Bank in deposits was l,6l°/ in
March 1999, which has been coming down and reached 1.22% in 2004. During
2004-2005 the growth in banks aggregate deposits was 1 1 .09% as against the
banking industry growth of 1 7.29% which has resulted in to further slippage in
Bank market share to 1 .6% in March, 2005.
SUGGESTIONS
 There is a need for improving the corporate dealing as it is a necessary for the
survival of any organisation in the corporate world.
 The bank requires aggressive advertising through the print and the electronic
media, as very less proportion of population is aware of Dena Bank.
 Computerizations of all the branches should be done as early as possible.
 To improve its accessibility, the bank should increase its ATM network.
 The bank should initiate services like online trading and E-commerce.
 The reasonable balanced growth of all the branches is necessary for overall
development of the Bank.
 There is a need for improving the growth in Retail Banking because the pace of
growth in retail banking is very slow in spite of good product lines.
 The NPA (Non Performing Assets) management should be the most crucial
concern area for the Bank, therefore the Bank should plan and implement certain
corrective measures to decrease its NPAs.
Chapter 6: CONCLUSION
 CONCLUSION

After completing my thesis I can say that ICICI is one of the top banks performing in
India. It was started in 1955 and since then it has kept it‟s dignity in spite of increasing
competition. It has collaborated with certain foreign companies in order to increase its
asset value and goodwill. It has been dealing in many products like accounts, demats,
loans, cards etc.
The marketing strategies adopted by the bank are innovative and impressive. Since
majority of population stays in villages the bank has to explore the rural markets also.
In addition to this the bank should have a branch in every city of the country. By
keeping a regular check the operating cost can be minimized.
The main aim of the bank should be bringing money from other countries to india.
From the findings it is clear that there is an intense competition in banking industry
and as a result prices are declining at a regular pattern. The reason for this increasing
competition is the increase in demand and aggressive promotional campaigns done by
the banks.
 BIBLIOGRAPHY
The information has been derived from various reliable sources:
1. Websites searched:
 www. icicibank. corn
 www.onlinebanking.com
2. Books and authors:
 Banking theory law and practices by “Sundharam and Varshney”
 Indian banking by “S.Natarajan and R.Parameswaran”.
 Research methodology by “C R Kothari”.
 Marketing research by “S L Gupta”
3. Newspapers and magazines:
 Economic times
 Times of India
4. Brochures of Icici Bank.
 A
MAJOR RESEARCH PROJECT REPORT
ON
STUDY ON ICICIS MARKETING STRATEGIES OF FINANCIAL
PRODUCTS MBA BANKING & FINANCE

FOR
SAM COLLEGE OF MANAGEMENT AND TECHNOLOGY
BHOPAL
Submitted In Partial Fulfillment Of The Requirement Of Master Of
Business Administration (M.B.A)
SUBMITTED TO
Mrs. POOJA SAHU

SAM COLLEGE OF MANAGEMENT AND TECHNOLOGY BHOPAL

SUBMITTED BY
Mr. Vikas Prajapati S/O Ramesh Chanda Prajapati
MBA IVth Semester Marketing & financial management

SESSION: 2020-2022
Roll No. 2157501645
 Acknowledgement

First of all, I would like to thank my Advisor Mrs.POOJA SAHU

for his untiring guidance, help, effort, and suggestion. Really I
am thankful to him. Without his direct guide this report
couldn't be possible. A very dynamic personality. Mr.
constantly inspired us all the time to develop my
career and share his knowledge with us. I shall remain ever
grateful for his extraordinary gesture and relentless effort.

I would like to thank Prof. POOJA SAHU MAM

Project Coordinator of us from SAM College of Management
for their valuable Instructions and Guidance during the
Internship program.

Sincerely,
Vikas Prajapati MBA 4 SEMESTER
Semester Marketing & financial management
 DECLARATION

I am Vikas Prajapati student of the MBA 4 Semester of SAM

COLLEGE OF MANAGEMENT & TECHNOLOGY, Bhopal
hardy declare that the project report entitled Semester
Marketing & financial management Is my own original hard
work based on every undertaken by me.
I also declare that this report not been submitted to any
university/Institute for the award of any degree of any
professional diploma.

DATE – 15/06/2022

Vikas Prajapati
MBA 4 SEM
BRANCH – Semester Marketing & financial management
 COMPANY CERTIFICATE

This is to certify that Institutional Training Report submitted

by Vikas Prajapati SAM COLLAGE OF
MANAGEMENT OF TECHNOLOGY BHOPAL, Barkatulla
University, in Partial Fulfillment of the requirements for the
degree of master of business administration is record of work
carried out by ber under my supervision the contact of this
report in full or in parts have not been submitted in any from
to any other institute of university for the award of any degree
or diploma.

Guide :