CA Basic - PPT Version 14 Dec 2022

Current Account Product Training
Agenda
Current Account Basics
Business Banking Customer Offerings
Why ICICI Bank – Product Pitch

Current Account Introduction
A current account is a bank deposit used by business entities and individuals for carrying out
their day to day business transactions
1 2 3 4
10 K
For customers
Required in case
of higher
Bank pays no
interest; most
No restriction on
having number of
transaction profitable for the
businesses transactions
requirements Bank
Why Current Account
For the Customer For the Bank
Facilitate smooth transactions Higher Float per account – Smart

for businesses way to achieve your MAB targets
No restriction on the number of No Interest payout to customer -

transactions in a day Higher NII for bank
Allows transactions beyond the Opportunity to earn Trade Fee &

scope of a savings account Transaction Income
Increased cross sell opportunity –

For Seamless business functioning Saving A/c, Salary A/c, General
Insurance, Group Health etc
Business Life cycle
Company
Operation Growth Expansion Diversification
Incorporation
Profile based right solution fitment across various stages of business cycle
Types of Entities - Current Account Customers
Partnership One Director

Sole Proprietor HUF/Clubs/Associat
Business Individual Firm/LLP Company /Pvt
ions/Trust/Society
ltd/Public Ltd
• Doctors • Merchants / • Distributors • Manufacturing • Housing

• Chartered Shopkeepers • Services • Importer / Societies
Accountants • Chemists • Hotels Exporters • Recreation
• Transporters • C&F Agents • Super Markets • Private Hospitals Clubs
• Government • Agri-produce • Fintechs
Contractors Traders • Ecommerce
Companies
Basic Terminologies of Current Account
• Base Location refers to the all the Branches belonging to the
Base Branch / Location
same clearing zone in which the account is opened
Turnover • Total sales generated by a business in a specified time period
Payments • Sum of money paid or payable
Collections • Sum of money received or receivable
• System of electronic funds transfer from one bank account to

10 K
ECS (Electronic Clearing Service)
another bank account
• Device that empowers merchants to accept and process card

EDC (Electronic Data Capture)
transactions via credit and debit cards
• System to capture visits, prospects and moving the case till A/c
Sales CRM
opening. We can tag the appointments with the client
• System to process A/c opening application, it has various stages

Omniflow
through the form is processed and finally the A/c gets opened.
Account Opening Form (AOF) • The CA AOF is common for all current account variants
• Document which details the complete transaction limits & charges for
Schedule of Charges
a particular product
MAB (Monthly Average Balance) • MAB = Sum of Day End Balances / No. of Days
10 K
QAB (Quarterly Average Balance) • QAB = Sum of Day End Balances / No. of Days)
• Charges levied if customer does not maintain committed MAB in a

Non Maintenance Charges
month in the account
• Amount of cash that can be deposited free of charge at any branch
Cash Deposit free limit at Base Location which belongs to the same clearing zone in which the account is
opened
Cash Deposit free limit at Non Base • Amount of cash that can be deposited free of charge at any branch
Location across the country
• DD / PO, Cheque payments (including multicity), Local & anywhere

Non Cash Transaction
cheque collection including upcountry cheque collection
• Includes total free transaction (Value & Volume) as well as services

Free Limits
given to the customer in lieu of MAB committed as per variant
• Includes charges levied on the customer after free limits have been
Charges
10 K utilized as well as on services availed by customer depending on the
selected variant
• Additional charge levied when customer deposits cash beyond free

Bulk Cash charges
limits
SES: Key Business Requirements
Lets Understand….
Key requirements of Self Employed

Customers or Business Enterprise
Self Employed Customer Requirements
Customer
Vendors Employees Customers Distributors
Bills AMCs Govt Depts Rent FDI / FII /

Tax
Remittance
Indian Rupee / Foreign Currency
Cheque NEFT / RTGS /

Cash QR/UPI
Mode of Payment / IMPS
Collection
Cards Auto Debit / Internet Forex /
NACH / ECS banking Remittance
11
Now lets look at how we address
these needs through

Opening • Exclusive Current Account proposition
Account
OFFICE IN • Salary, Saving
POCKET • Seamless Account opening process
Digital • CIB and Instabiz

Offerings • Eazypay Platinum POS , IMSL POS,Non POS-QR
• PCS – PG, Bizpay 360
• Bank Plugin, Connected Banking & API
• GST
Instant
loans • Insta OD
• Business Loan
Support
• Dedicated RM for selected products
• General Insurance – Group Health Insurance ,Marine,Key Man
Growth
Assistance • Networking Platform
• Banking Plus +
CA Product Variants
Standard Industry Regulatory
iStartup
SBA 2.0 RERA
2.0
Super
ALCA Escrow
Merchant
Dividend
Nodal
Smart Business Account – SBA 2.0
10 Lac
5 Lac SBA 2.0 Ivy

SBA 2.0
1 Lac Platinum
SBA 2.0
50 K Gold
SBA 2.0
25 K Silver
10 K Classic 2.0
RCA
Standard
SBA 2.0 Platinum
About QAB requirement of ₹ 500,000
Target High end retail outlets, C&F/Distributors, Car/Two wheeler dealers,

Audience Hospitals, Hotels.
 Zero QAB requirement for 1st 2 quarters if customer is transaction active on “Digi
Pack” within 1st 2 months.(Covered ahead)
Non cash
 Free NEFT/RTGS payment done online and at branch

 Free 100 IMPS transactions per month for every 1 lac MAB
 Free 150 cheque leaves per month for every 1 lac MAB
 Free 200 branch transactions for every 1 lac MAB
Features
 Free DD/PO
 Free Business Gold Debit card
Cash
 Free cash deposit of 10 times the maintained MAB up to 10 Cr anywhere in the

country . Limits fungible between base and non-base branches
 Higher cash withdrawal limits for non-base location
 Free mobile alerts facility
Others
 Business networking with BizCircle

 50% waiver on processing fees on Auto Loan & Mortgage Loan
“Digi Pack”
Digi Pack for early Digital adopters
Group A Group B
Transaction active on Transaction active on
any 1 Txn any 2

Active on
any 3 1. GST
1. CIB
attachme
2. PCS
2. InstaBiz nts
3. Connected Banking
4. Debit card (POS)
5. Bill Pay
Zero QAB requirement for 1st 2 Quarters* if the customer is transaction active (min Rs 1000 on
each channel) on Digi Pack within 1st 2 months of account opening
*Calendar Quarters will be considered
SBA 2.0 Gold
Target Suitable for Mid-sized retail outlets, Super stores, Doctors, Retail
Audience jewelers.
Non cash

 Free 50 IMPS transactions per month for every 1 lac MAB
Features
 Free 50 DD/PO for every 1 lac MAB

 Free cash deposit of 10 times the maintained MAB up to 2.5 Cr anywhere in the
Cash

Others

SBA 2.0 Silver
Target
Suitable for seasonal business, small traders/retailers, Restaurants
Audience
Non cash

Features

 Free 50 DD/PO for every 1 lac MAB
 Free cash deposit of 10 times the maintained MAB upto 1.2 Cr anywhere in the
Cash

 Multiplier cash withdrawal limits for non-base location
Free mobile alerts facility
Others

Classic 2.0
Target
Suitable for small traders/retailers
Audience
Non cash
Pack” within 1st 2 months. .(Covered ahead)

 Free NEFT/RTGS payment done online
Features
 Free 100 cheque leaves per month

 Free 75 branch transactions per month
 Free cash deposit of 2.5 lacs or 25 transactions whichever is lower.
Cash

Others
SBA 2.0 Features
Particulars SBA 2.0 Platinum SBA 2.0 Gold SBA 2.0 Silver Classic 2.0
NEFT/ RTGS/ IMPS collection Free
Cheque collection Free
Fund transfer/ Cheque payment Free
NEFT/ RTGS payment (Online) Free
Non cash
NEFT/ RTGS payments (branch) Free Standard charges

Business Gold Debit Card Free Standard charges
Free IMPS Payment txn p.m per 1 lac
100 50 Nil
MAB
Free Cheque leaves p.m. 150 per 1 lac MAB; Min 100 leaves 100
Free Branch Transactions count p.m. 200 per 1 lac MAB 150 per 1 lac MAB 100 per 1 lac MAB 75
Free DD/PO issuance p.m. Unlimited 50 per 1 lac MAB Nil
Free Outward Cheque Return p.m. Unlimited 10 2 Nil
@ 12 times MAB; @ 10 times MAB; @ 10 times MAB; 2.5 Lacs or 25 txn
Cash deposit free limit
Max 10 Cr Max 2.5 Cr Max 1.2 Cr w/e is lower
Cash
Cash withdrawal at base Free

Cash withdrawal at non base (only @ 12 times MAB @ 10 times MAB @ 10 times MAB
50,000 per day
for self cheques) Max 10 Cr Max 2.5 Cr Max 1.2 Cr
Mobile Alerts Free Rs. 25 p.m.
Others
Choose your account facility Yes No No No

Auto & Mortgage Loan PF 50% waiver No discount
QAB Requirement
QAB: Metro & Urban 500,000 100,000 50,000 25,000
QAB: SURU 250,000 50,000 25,000 25,000
• Zero QAB requirement for 1 st 2 quarters if customer is transaction active on digi pack within 1st 2 months.
• Connected Banking transaction of Rs 25000 per quarter then QAB requirement is waived off for the
SBA 2.0 Ivy: Key features
Particulars SBA 2.0 Ivy
Fund transfer/ Cheque payment Free  SBA 2.0 Ivy is a special
NEFT/ RTGS payment (Online) Free proposition for affluent
Non cash
NEFT/ RTGS payments (branch) Free customers

Business Gold Debit Card Free
Free IMPS Payment txn p.m per 1 lac
100
MAB  This account can be opened
Free Cheque leaves p.m. Unlimited only by invitation along with RH
Free Branch Transactions p.m. Unlimited approval
Free DD/PO issuance p.m. Unlimited
Free Outward Cheque Return p.m. Unlimited
@ 6 times MAB;  Regular MIS will be released for
Cash

Max 75 Cr accounts not maintaining the
Cash withdrawal at base & non base Free SBA 2.0 IVY QAB requirement
Mobile Alerts Free
Others
Auto & Mortgage Loan PF 50% waiver

QAB: Metro & Urban 10,00,000
Nil NMAB charges for SBA 2.0 Ivy. No free limit will be given if QAB maintained is < 7.5 Lakhs
*Branch Transaction includes cash deposit, cash withdrawal, NEFT/RTGS payment, DD/PO issuance at branches.
Asset Linked Current Account
Target Leverage liability potential of 100% self employed customers availing asset
Audience relationship with ICICI Bank
 Source Current accounts of new to bank customers

 Ring fence existing CA ERV customers by setting up Debit mandate in
Expectation the existing current accounts
from field  Tap opportunity to source RERA accounts of all projects logged in for
team APF
 Deepen relationship of existing Mortgage customers without ICICI Bank
Current account
 Zero Balance Smart Business Accounts

 No need to maintain any Balance till the time EMI is getting debited
from the account
Features  Free Business Gold Debit Card with best in class features*
 Single Current Account for EMI Payment and business transactions
 Higher A/c variant basis the loan amount
ALCA 2.0 & Alliance 2.0 merged with SBA 2.0
Particulars SBA 2.0 Platinum SBA 2.0 Gold SBA 2.0 Silver Classic 2.0
Status Code SBA5L/SB250 SBA1L/SB050 SBA50/SB025 CLS25
NEFT/ RTGS payment (Online) Free
Non cash
NEFT/ RTGS payments (branch) Free Standard charges

Coral Paywave Debit card Free Standard charges
Free IMPS Payment txn p.m per 1 lac MAB 100; Max 2000 50; Max 1000 Nil
150 per 1 lac MAB; Min 150 per 1 lac MAB; Min 100 , 150 per 1 lac MAB; Min
Free Cheque leaves p.m. 100
100 , Max 2500 Max 2200 100 , Max 2000
200 per 1 lac MAB; 150 per 1 lac MAB; 100 per 1 lac MAB;
Free Branch Transactions count p.m. 75
Min 100, Max 4000 Min 100, Max 3500 Min 100, Max 3000
50 per 1 lac MAB ; 50 per 1 lac MAB ;
Free DD/PO issuance p.m. Unlimited Nil
Min 15, Max 1500 Min 15, Max 1200
Free Outward Cheque Return p.m. Unlimited 10 2 Nil
@ 12 times MAB; @ 10 times MAB; @ 10 times MAB; 2.5 Lacs or 25 txn w/e is
Cash
Max 10 Cr Max 2.5 Cr Max 1.2 Cr lower

@ 12 times MAB @ 10 times MAB @ 10 times MAB
Cash withdrawal at non base (only for self cheques) 50,000 per day
Max 10 Cr Max 2.5 Cr Max 1.2 Cr
Mobile Alerts Free Rs. 25 p.m.
Choose your account facility Yes No No No
Others
Auto & Mortgage Loan PF 50% Waiver No discount

QAB: Metro & Urban 500,000 100,000 50,000 25,000
QAB: SURU 250,000 50,000 25,000 25,000
 Zero QAB requirement for 1st 2 quarters if customer is transaction active on digi pack within 1st 2 months.
 Asset Linked Benefit- Lifetime Zero QAB till auto debit for EMI is active in the account
 Connected Banking Benefit - Lifetime Zero QAB when throughput through connected banking is more than or equal to Rs.
25,000 for the quarter
Applicable Limit Value for Asset Linked Benefit
Mortgage limit more than1 Cr;

SBA 2.0 Platinum Auto limit more than10 lacs;
CV limit more than 25 lacs
Mortgage limit above 50 lacs & upto 1 Cr;

SBA 2.0 Gold Auto limit above 5 lacs & upto 10 lacs;
CV limit above 10 lacs & upto 25 lacs
Mortgage limit upto 50 lacs;

SBA 2.0 Silver Auto limit upto 5 lacs;
CV limit upto 10 lacs
25
Startup Current Account
Legal Status
1 Operates as a
Partnership/LLP/OPC/Pvt./Public Ltd 3
Inception 2
Till 10th year of Revenue
Incorporation Annual turnover less than ₹100 cr
26
27
iStartup 2.0 Platinum
Target High end retail outlets, C&F/Distributors, Car/Two wheeler dealers,
Audience Hospitals, Hotels.

Non cash  Free 100 IMPS transactions per month for every 1 lac MAB max 2000
 Free 150 cheque leaves per month for every 1 lac MAB, max 2500
 Free 200 branch transactions for every 1 lac MAB.max 4000
 Free DD/PO
Features
 Free cash deposit of 12 times the maintained MAB up to 10 Cr anywhere in the

Cash
 Free cash withdrawals for self cheques of 12 times the maintained MAB up to 10 Cr
anywhere in the country
 Choose your Account Number facility
Others

QAB requirement of ₹ 500,000

iStartup 2.0 Gold
Target Suitable for Mid-sized retail outlets, Super stores, Doctors, Retail
Audience jewelers.
Non cash  Free NEFT/RTGS payment done online and at branch

 Free 50 IMPS transactions per month for every 1 lac MAB,max 1000
 Free 150 branch transactions for every 1 lac MAB , max 2500
Features
 Free 50 DD/PO for every 1 lac MAB, max 1500

 Free cash deposit of 10 times the maintained MAB up to 2.5 Cr anywhere in the
Cash
 Free cash withdrawals for self cheques of 10 times the maintained MAB up to 2.5 Cr
Others


iStartup 2.0 Silver
Target
Audience Suitable for seasonal business, small traders/retailers, Restaurants
Zero QAB requirement for 1st 2 quarters if customer is transaction active on “Digi
Non cash

Features
 Free 100 branch transactions for every 1 lac MAB, max 3000
 Free 50 DD/PO for every 1 lac MAB,max 1200
 Free cash deposit of 10 times the maintained MAB upto 1.2 Cr anywhere in the
Cash

 Free cash withdrawals for self cheques of 10 times the maintained MAB up to 1.2 Cr
Others


Startup 2.0 Features
Particulars iStartup 2.0 Platinum iStartup 2.0 Gold iStartup 2.0 Silver
Status Code NS05L NS01L NS050
Non cash
NEFT/ RTGS payment (Online/Branch) Free

Business Gold Debit Card Free
Free IMPS Payment txn p.m per 1 lac MAB 100; Max 2000 50;Max 1000 Nil
150 per 1 lac MAB; Min 100 ; Max 150 per 1 lac MAB; Min 100 , Max 150 per 1 lac MAB; Min 100 , Max
Free Cheque leaves p.m.
2500 2200 2000
200 per 1 lac MAB; 150 per 1 lac MAB; 100 per 1 lac MAB;
Free Branch Transactions count p.m.
Min 100, Max 4000 Min 100, Max 3500 Min 100, Max 3000
50 per 1 lac MAB ; 50 per 1 lac MAB ;
Free DD/PO issuance p.m. Unlimited
Min 15, Max 1500 Min 15, Max 1200
Free Outward Cheque Return p.m. Unlimited 10 2
@ 12 times MAB; @ 10 times MAB; @ 10 times MAB;

Max 10 Cr Max 2.5 Cr Max 1.2 Cr
Cash

Cash withdrawal at non base (only for self @ 12 times MAB @ 10 times MAB @ 10 times MAB
cheques) Max 10 Cr Max 2.5 Cr Max 1.2 Cr
Mobile Alerts Free
Others
Choose your account facility Yes Yes Yes

Auto & Mortgage Loan PF 50% waiver No discount
QAB Nil for 1st 2 Quarter, 500,000 Nil for 1st 2 Quarter, 100,000 Nil for 1st 2 Quarter, 25,000
*Zero QAB requirement for additional 2 quarters if *Charges over the free
customer is transaction active on CIB/ InstaBiz within 1st 2 transaction refer SOC
months. (Min Txn value Rs. 1000)
Super Merchant Ecosystem
Mass Retail High Street Mass PG Large Online

• Includes all your Merchants • Include businesses Merchants
neighborhood • Shoppers Top, with websites for • Amazon
stores: Kirana, Croma, D-Mart online sales • Flipkart
Pharmacies, Super
markets • MakeMyTrip
33
Super Merchant Key Proposition
with no Eazy Pay Eazypay Eazy Insta Card Eazypay Merchant Alliance
minimum Standard Pro - Online Settlement Super View on to grow
balance POS, Payment Store Reward Instabiz business
commitment or Gateway app
– provided Platinum Or
transacting Or Classic
of 25k on PG
POS or PG QR Code
or QR
34
Merchant 2.0 – Super Advantage Plus CA
Eligibility Need to Empanel for Eazypay Platinum(POS) / Eazypay pro(PG)
 Status Code : SUPAP

 No minimum balance requirement (As per T&C mentioned in
SOC)
Free 200 branch transactions for every 1 lac MAB, max 4000
Non cash

Features
 Free 100 IMPS Payment for every 1 lac MAB , max 2000
 Free Unlimited Outward Cheque return
 Free 150 cheque leaves per month for every 1 lac MAB. Max 2500
 Complimentary Business Gold debit card
 Free DD/PO
 Free Mobile alerts
 Free cash deposit of 12 times of MAB upto Rs 10 cr
Cas
h
35
Merchant 2.0 – Super Advantage CA
Eligibility Need to Empanel for Eazypay POS / Eazypay Classic
 Status Code : SUPAD

 No minimum balance requirement (As per T&C mentioned in
SOC)
Free 100 branch transactions for every 1 lac MAB, max 3000
Non cash

Features
 Free 100 IMPS Payment for every 1 lac MAB , max 2000
 Free 2 Outward Cheque return per month
 Free 150 cheque leaves per month for every 1 lac MAB. Max 2000
 Complimentary Business Gold debit card
 Free DD/PO
 Free Mobile alerts
 Free cash deposit of 10 times of MAB upto Rs 1.2 cr
Cas
h
36
Super Merchant CA Product
Advantage Plus ( SBA 2.0 Platinum) Advantage ( SBA 2.0 Silver)
Current Account
Status Code SUPAP SUPAD
Eazypay Classic PG/Eazypay Standard
Eligibility Eazypay Platinum(POS)/Eazypay pro(PG) POS/QR Code/UPI
QAB requirement Nil Nil
RTGS/NEFT payments Free Free
Business Gold Debit card Free Free
Cheque return - Unlimited free 1st 2 return of the month free
Free 100 transactions per1 lakh MAB (Max
IMPS payment 2,000 transactions) Chargeable
Cash Deposit Free limits 12 times of MAB (Max upto 10 crs) 10 times of MAB (Max upto 1.2 crs)
Branch Transaction limits 200 per lakh MAB maximum 4000 100 per lakh MAB maximum 3000
DD/PO issuance Free Free upto 50/1 MAB maintained
Eazypay
Non utilisation charges p.m.
Swipe per month through >25000 - NIL
POS/ PG/ QR 1000 – 25k - 249
< 1000 – 499
Alliances Nowfloats
Detailed SOC : Click Here
Note: if the account is not linked with POS/PG within 2 months of account opening or is surrendered at a later date then it will be migrated to SBA 2.0 Silver from Super Advantage
current account and to SBA 2.0 Platinum from Super Advantage Plus automatically and the customer will be required to meet the QAB requirements for the corresponding variant.
KYC: Documents
.
Send SMS NCA to 5676766
38
KYC: Documents
.
39
KYC: Documents
.
40
KYC: Documents
.
Corporate Internet Banking – Payment , Collection & Value Added services
Payment Type - Single
• Express pay
• Pay without registering payees
• Schedule payments , Recurring payments
Payment Type - Bulk
• Payment to Ad-hoc Beneficiaries (PAB)
• Payment to Registered Beneficiaries (PRB)
Tax payments
• GST, GSTIN updation
• Direct/Indirect Tax
• Bulk tax
• Tax debit advice
Collections
• Single invoice collection
• Multiple invoice collection
Value Added Services
• Custom Duty payment
• Work Flow Management
Agile & User
friendly InstaBIZ:
What canMobile Appdo on InstaBIZ
customers
250+ Business banking services; 80+ added in 1st year post launch
InstaBIZ
Instant Banking,
Instant Business
Express Bill Pay on Recent & Fx deal
PAYMENTS Scan n Pay
payments BBPS favorites booking
CREDIT FD OD Compliances Loan tracker Pre-approved offers

© GlobalLinker. All rights icicibankbizcircle.globallinker.co
reserved m
MERCHANT Dedicated Digital DIY Instant
SERVICES one view collections services VAS settlement
FasTAG issue Hotel & travel CA & card Deliverables Chatbot

OTHERS
/ recharge booking services tracking
Best Digital Innovation 2020: BT-MT Financial Services Award

Digital Solutions Eazypay POS & Non POS
QR Code
Faster Payments Track business
and Collections instantly, on the go
SMS link
D200 Android POS Platinum
Smart on the 2G / 3G / 4G & Wi- 2G / 3G / 4G & Wi-
move Fi -E Charge slip Fi Full Touch Screen
2G / 3G & Wi-Fi Auto Settlement Long Battery UPI Collect
Touch Key Pad Backup
What is Payment Gateway ?
• Payment Gateway helps the customer pay money to the Payment Gateway Pre-requisites
merchant, online and buy goods and services from them.
• Live dynamic or static website or Mobile app
• Valid profile of business website
• Support both online & offline payment modes • Policies on Website - Privacy Policy, Terms & Condition,
Refund & Cancellation, Dispute Settlement, Shipping
Policy
• Contact Us
• About us
• Product Pricing
Payment Gateway Users • Availability of technical person to do integration using
Java, .NET or PHP
Website
Mobile
Application
Plug-Ins
Payment Gateway supports the merchant to take his business online 45

Transact Digitally Your Business, Your way of Payments
Digital onboarding with instant activation 15000 Cr+

throughput in May’22
• Paperless
Choose your debit type – consolidated/
• Instant
individual 18 Lac+
transactions in May’22
Customized debit credit narration for

ease in reconciliation
Upto 10 onscreen payments with single OTP

Can make bulk payment without adding bene
• Customisable Instant file format customization with

• Secure accounting software
Record level / file level approvals
Macro based validation to reduce errors

Download MIS option in multiple formats
46
Bank Plugin
Industry first real-time Plug-N-play Banking solution
Real time API integration with ERP software
Simple Do-It-Yourself onboarding process
Instant paperless registration process
Supported ERPs –
• Tally & Busy solutions
47
Connected banking
Value proposition
Partner
Bank server Partner server Automated reconciliation
Payment platform
Statement
Overdraft Vendor payment & Inventory mangment
CA opening
Tax payment
Apply for instant business loan
Customers
Staying ahead of the curve
Robust API suite • Offering native banking services on-

62 partners Use case
partner platform
across Scalable product & process
accounting,
payroll, expense New APIs based on market feedback
& billing • Modular stack on partner platform
Best fintech initiative, BT-KPMG 2021 Approach
• Customised UI for faster integration
GST - Payment
Mode of payment Channel
- Internet Banking CIB
- NEFT CIB
InstaBiz
Branch
Over the counter Branch
Introducing simplified GST solution with Auto fetch feature
Step 1 Step 2 Step 3 Step 4

Anyone can Generate challan Auto fetch Make single/ bulk
register GSTIN on gst.gov.in challan on CIB payment in one
on CIB click
Why Current Account with ICICI Bank
 Startups
 Merchants
 Instabiz App for NTB
 Real Estate Industry
 Connected Banking/API
 Digital collections POS/PG
 5418 Branches
 13626 ATMs
Largest Branch Digital First Industry

Network Specific
Solutions
# DIY: Do it yourself
51
Use Case – Pitch for SBA 2.0 Product– Page 1
Customer Overview
• Customers are Traders & Distributors
• Vintage 11 years
• Turnover of approximately Rs 2 lakhs a month
Probing Details
Key Requirements
• Real time payments and system integration typically with SAP to ensure/meet
predefined terms
• Seamless inventory management to track deliverables and their due dates
• Track payments to distributers
• Ensuring timely supplies
• Billing, timely collection & reconciliation
• Payments to Staff/Suppliers or other operational expenses
• Coordination with upcountry retailers
52
Use Case – Pitch for SBA 2.0 CA – Page 2
Solution
• SBA 2.0 Product

• 150 cheque leaves free per month on per lakh MAB maintained for vendor payments
Problem Statement
• Flexibility to increase transaction limits during peak months by increasing the MAB
• Special pricing on DSB and CMS solutions
• Free cash deposition limits upto 10 times of maintained MAB (upto 2.5 cr per month)
• Digital Payments
• CIB Bulk upload and set default payment dates
• Tax payments on CIB - GST
• Instabiz mobile app to Approve transactions
• Connected Banking & API

• Transaction directly through Accounting Software
53
Use Case – Pitch for iStartup 2.0
IT/ITES Profile Key Requirements & Solutions
Requirements
 Working Capital loans - Important to pay salary and other

operational expenses on time
 As this IT/ITES engage in cross-border trade, bank with global
Business Routine presence is required (24/7 Trade Transactions)
 Need a Business networking Solution
 Firm is a Startup formed as Pvt Ltd Company 1 month back  Need office Space & manpower
with 3 Directors who are IIT graduates with 10 yrs work
experience in Infosys. Solution
 They plan to customize software for BFSI Industry & Also  Loans : FD- OD ,FD backed Business Cards, LAS for working
capital requirement
plan to take overseas orders through their contacts
 iStartup Current Account has Trade Online Feature which has
 They have identified 2 employees and want to recruit 24/7 trade transaction facility
 QAB waiver Upto 1 yr
another 8 to start with their first project which it at closer
 Dedicated RM
stage and currently looking for a office space to start  Biz Circle for Networking
 AWIFS Solutions & Super Seva facilities for co-working spaces
operation
and recruitment requirement
Use Case – Pitch for Super Merchant CA – Page 1
Customer Overview
Khalsa Electronic House based out of Samastipur, Bihar is a leading multi brand mobile retailer.
Earlier he was using HDFC & PayTM POS terminals.
Probing Details
• Losing customers- “Ajkal Sabko Sab Kuch Chahiye- aur who bhi turant”, EMI facility
immediately
• Digital Collection
55
Use Case – Pitch for Super Merchant CA – Page 2
Solution
• Digital Collections Brand EMI

• With Eazypay Platinum, Now the merchant can offer a wide range
Problem Statement
of facilities to its customers such as Brand EMI, Credit Card EMI,
Debit Card EMI & even loyalty programs & instant discounting.
• Insta Card settlement was applicable while form filling & availed
• Online Sales Debit & Credit

Card EMI
• Since he does have a website , Payment Pages & Payment link via
sms /email activated
• Eazy Online Store was enabled
• Bizcircle Networking platform was informed as well as linker store
• Super Advantage Plus CA was attached
Insta Card
Settlement
Thank you

CA Basic - PPT Version 14 Dec 2022

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CA Basic - PPT Version 14 Dec 2022

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Current Account Product Training

Current Account Basics

Business Banking Customer Offerings

Why ICICI Bank – Product Pitch

Facilitate smooth transactions Higher Float per account – Smart

No restriction on the number of No Interest payout to customer -

Allows transactions beyond the Opportunity to earn Trade Fee &

Increased cross sell opportunity –

Partnership One Director

• Doctors • Merchants / • Distributors • Manufacturing • Housing

Turnover • Total sales generated by a business in a specified time period

Payments • Sum of money paid or payable

Collections • Sum of money received or receivable

• System of electronic funds transfer from one bank account to

• Device that empowers merchants to accept and process card

• System to process A/c opening application, it has various stages

• Charges levied if customer does not maintain committed MAB in a

• DD / PO, Cheque payments (including multicity), Local & anywhere

• Includes total free transaction (Value & Volume) as well as services

• Additional charge levied when customer deposits cash beyond free

Key requirements of Self Employed

Vendors Employees Customers Distributors

Bills AMCs Govt Depts Rent FDI / FII /

Indian Rupee / Foreign Currency

Cheque NEFT / RTGS /

Business Banking Customer Offerings

Digital • CIB and Instabiz

Standard Industry Regulatory

5 Lac SBA 2.0 Ivy

Target High end retail outlets, C&F/Distributors, Car/Two wheeler dealers,

 Free NEFT/RTGS payment done online and at branch

 Free cash deposit of 10 times the maintained MAB up to 10 Cr anywhere in the

 Business networking with BizCircle

any 1 Txn any 2

4. Debit card (POS)

 Free NEFT/RTGS payment done online and at branch

 Free 50 DD/PO for every 1 lac MAB

country . Limits fungible between base and non-base branches

 Business networking with BizCircle

 Free NEFT/RTGS payment done online and at branch

 Free 100 branch transactions for every 1 lac MAB

country . Limits fungible between base and non-base branches

Pack” within 1st 2 months. .(Covered ahead)

 Free 100 cheque leaves per month

 Higher cash withdrawal limits for non-base location

NEFT/ RTGS payments (branch) Free Standard charges

Cash withdrawal at base Free

Choose your account facility Yes No No No

NEFT/ RTGS payments (branch) Free customers

Cash deposit free limit

Auto & Mortgage Loan PF 50% waiver

 Source Current accounts of new to bank customers

 Zero Balance Smart Business Accounts

NEFT/ RTGS payments (branch) Free Standard charges

Max 10 Cr Max 2.5 Cr Max 1.2 Cr lower

Auto & Mortgage Loan PF 50% Waiver No discount

Mortgage limit more than1 Cr;

Mortgage limit above 50 lacs & upto 1 Cr;

Mortgage limit upto 50 lacs;

 Free NEFT/RTGS payment done online and at branch

 Free cash deposit of 12 times the maintained MAB up to 10 Cr anywhere in the

 Business networking with BizCircle

QAB requirement of ₹ 500,000