ICICI Bank Online Banking Suite (Personal, NRI, Business & Corporate)
Business Profile
Core Value Proposition
ICICI Bank Online Banking provides a comprehensive suite of personal, business, corporate and NRI banking services online, including savings accounts, deposits, loans, credit cards, insurance and investments.
Target Customer
Individuals (Personal Banking), NRIs (NRI Banking), small to mid-sized businesses (Business Accounts), and corporate clients (Corporate Banking).
Key Differentiator
Offers a broad, integrated product suite across consumer, business and international banking, plus dedicated resources for NRIs (NRI Edge) and cross-border transfer options (Money2India, Global UPI) along with extensive digital tools.
Implementation Timeline
Home loans advertise digital sanction in 5 simple steps; Personal loan documentation is described as minimal; Vehicle loans offer up to 100% on-road funding; general loan processes emphasize quick application.
Pain Points
- 1Managing multiple banking products (savings, deposits, loans, investments, cards, payments) in one place.
- 2Need for online/digital access to banking and cross-border financial services for NRIs.
- 3Business customers require specialized services (cash management, merchant services, trade solutions, API access).
Key Features
- 1Savings accounts, fixed deposits and recurring deposits with calculators
- 2Loans: Personal, Home, Car, Education, Loans against Property, Overdraft
- 3Investments: Mutual Funds, SIPs, Demat, 3-in-1 Trading Account, Portfolio Investment Scheme
- 4Money transfer and payments: UPI, Money2India, Global UPI, E-Collection
- 5Cards: Credit, Debit, Forex, Prepaid
- 6NRI services: NRE/NRO accounts, Overseas Savings, Gift City Savings Account
- 7Business & Corporate Banking: Current Accounts, Cash Management, Merchant Services, Trade Solutions, Corporate API Suite
Target Customer Industries
Competitive Advantages
- 1Comprehensive, one-stop financial services across personal, business and corporate segments
- 2Robust digital banking ecosystem (iMobile, Internet Banking, WhatsApp Banking) with various calculators and tools
- 3Strong NRI focus via dedicated resources (NRI Edge) and international money transfer options
- 4Business solutions including Cash Management, Merchant Services, Trade Solutions and API access
- 5Cross-border and merchant capabilities (Money2India, Global UPI, E-Collection) enabling broad reach
Key Benefits
Additional Product Information
Product Description
A full-service banking platform offering online access to deposits, loans, investments, cards, payments, and other services for individuals, NRIs, small businesses, and corporate clients.
Target Market
Individuals (personal banking), NRIs, small to mid-sized businesses, and corporate clients in India and abroad
Unique Value Proposition
A one-stop financial platform combining broad product coverage, robust digital tools, and strong international/NRI features including dedicated resources and cross-border transfer options.
Technical Requirements
Not explicitly stated; mentions digital banking platforms (iMobile, Internet Banking, WhatsApp Banking) and cookies.
Pricing Model
Not explicitly stated; Fixed Deposit rates mentioned up to 7.2% for FDs.
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