Friday, October 16, 2009

Best Deals on Home Loan for You


We, at ICICI Bank Home Loans, offer unbeatable benefits to ensure that you get the best deal without any hassles.

As one of the leading home loan provider, ICICI Bank understands how special building a new home is for you and our Home Loan help you lay the foundation for your dream home.

ICICI offers you the most convenient home loan plans to suit your needs. With so many attractive features in every type of home loan we offer, creating the home you always wanted is no longer a distant dream. Some of our key benefits are:
Guidance through out the process
Home loan amounts suited to your needs
Home Loan tenure upto 20 years
Simplified Documentation
Doorstep Service
Attractive interest rates
Sanction approval without having selected a property.
Free Personal Accident Insurance (Terms & Conditions)
Insurance options for your home loan at attractive premium
Benefits

Technology-enabled service, through automated channels, without physical branch access.

Benefits to the student
Free Internet Banking
Free Phone Banking (in select cities*)
Free ICICI Bank Ncash Debit Card
Free Access to any Bank's ATM
Other Benefits
Benefits to the Parent
You can transfer funds from your ICICI Bank account to your child's account free of charge, so that his / her college fees, tuition, living expenses etc. are taken care of.
If you have an ICICI Bank Credit Card, you can give your son / daughter a supplementary card and even specify a pre-determined spending limit.
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Free Internet Banking
Enquire about balance
Download detailed statement of accounts
View details of all accounts maintained with ICICI Bank
Transfer funds between your account and any other ICICI Bank account
Pay your utility bills-mobile, electricity and telephone bills
Request a cheque book and demand drafts
Request to stop payment of cheque
Report your lost Debit cards
Open Fixed and Recurring deposits online
Access information on personal finance, computing & the Internet, e-commerce, lifestyle etc.
Liaise with your Account Manager
Invest in mutual funds
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Free Phone Banking
Enquire about balance
Request a tele-draft
Obtain mini-statements
Request a cheque book
Request to stop payment of cheque
Intimate lost Debit card
Transfer funds between ICICI Bank accounts
* Cities where Phone Banking is available

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Free Access to any Bank's ATM
The next time you want to withdraw cash from your ICICI Bank account, just walk into any bank's ATM and use your ICICI Bank ATM-cum-Debit card for free. The above benefit is available to Bank@Campus Account holders on maintenance of a quarterly average balance of more than Rs.10, 000 in the savings account in a quarter. The above benefit can be availed in the same quarter.

Other Benefits

Own a chequebook personalised with your name.
Receive an annual statement of account
Bank@Campus
Thanks to Bank@Campus , ICICI Bank's Student Banking Service, your child can now look forward to the new face we have given to banking - his / her computer monitor.

Yes, your child can now surf the Net and access all the details of his / her account at the click of a mouse!

No need to visit the bank branch at all.

In addition, your child gets:


Free personalised cheque book

Free Phone Banking

Free ICICI Bank Ncash Debit Card

Free transfer of funds into his / her account from any ICICI Bank account

Free supplementary credit card (if you have an ICICI Bank Credit card.*)
Annual statement of accounts

* issuance of card at the discretion of ICICI Bank.
Recurring Deposit
ICICI Bank Recurring Deposits are an ideal way to invest small amounts of money every month and end up with a large kitty on maturity.

High recurring billing and recurring payments can be a drain on your finances and hence large investments may seem a plan away.

Let us help you in processing your recurring payment through our recurring billing software that keeps track of your investments with us. This can be easily availed of through a recurring account online that comes with letting us serve you through Internet banking. You may even transfer funds through Internet banking into your recurring account. A recurring account transfer gets done in seconds through Internet banking.

Features

With our recurring deposits you can avail a host of facilities with ICICI Bank. You may check on recurring account receivable, recurring account payable, recurring account fees and all recurring debit account transactions.

A recurring deposit account with ICICI Bank allows you a loan against the deposit. Our new recurring deposit account also has a special feature – Non-applicability of Tax Deduction at Source (TDS).

The minimum balance of deposit is Rs.500 per month and thereafter in multiples of Rs.100. The tenure ranges from 6 months to a maximum period, recurring deposit of 3 months thereafter.
The recurring deposit also comes with a nomination facility.
Fixed Deposit
Wide range of tenures
Choice of investment plans
Partial withdrawal permitted
Safe custody of fixed deposit receipts
Auto renewal possible
Loan facility available
Features

You can deposit any amount of money in our Fixed Deposit for as long as you wish between 15 days to 10 years.

All fixed deposits come with a set choice of investment plans. Fixed Rate Deposit accounts also provide Fixed Loans. Re-investment Fixed Deposit rates do not change but work like a Recurring Debit Account transaction. In other words, Re-investment Plans are compounded over traditional deposits and hence are more lucrative over different time periods.

Benefits

Fixed Deposits at ICICI Bank comes with nomination facility. We also offer online access to your Fixed Deposits through our Internet Banking channel. Internet Banking at ICICI Bank allows you to connect your Credit Card, Loan and your Fixed Deposit with your savings account.

In re-investment deposits, the interest is compounded quarterly and reinvested with the principal.

Traditional term deposits provide tax shelter and shield you from factors affecting fixed deposits in India over longer periods of fixed time.
Young Stars
Banking can be fun!



At Young Stars, we will guide your child through the world of banking - from checking the child’s savings account balance to guiding through fun zones and special pages on the Internet Banking channel. It makes banking a pleasure and teaches your child to manage his or her personal finances through a savings account.

You can transfer pocket money into your child's account. You can even shop with him / her at Young Stars Shopping Page. You can also open a recurring deposit in your child's name.

Once you are done with your 'banking', you can access your child's account with all the fun links to special zones designed to suit your child's area of interests and also impart knowledge on the current events of the world.

Key Features
Open a Kid’s Savings Account, Fixed Deposit or a Recurring Deposit.
The minimum average balance for a Savings Account Is Rs.2,500
Free personalized Cheque Book
Internet Banking
Free International Debit Card*
Daily withdrawal and spends of up to Rs.5,000
Transfer Funds Facility
* Debit Card is issued only on request

Eligibility

ICICI Bank Young Stars Account is a banking service for children in the age group of 1 day-18 years. It is essential for the parent/guardian to also hold an account with ICICI Bank. In event of the parent/guardian not holding an ICICI Bank Savings Account, both the accounts (parent's Saving Account and Young Star Account) can be simultaneously opened.
'Life Plus' Senior Citizen Services


ICICI Bank brings you the following benefits along with your new 'Life Plus' Senior Citizen account
Designated Senior Citizen Desk
Higher Interest Rates on Term Deposits
Demand Loans against your deposit
Free collection of outstation cheques drawn on any ICICI Bank location
Special Senior Citizen 'Life Plus' Debit card
Money Multiplier Facility
Anywhere Banking
Internet Banking
Customer Care
Nomination Facility, and more
To know more, click here

Designated Senior Citizen’s Desk

All branches of ICICI Bank now have a Senior Citizen Desk to provide special attention to Senior Citizens (above 60 years). This desk is exclusive and services only Life Plus customers.

Demand Loans against your deposit

You can take a loan against your deposit.

Free collection of outstation cheques drawn on any ICICI Bank location

Stay where you are and we will pick up your outstation cheques for you.