Online Individuals i Bank FormP2 29

8/14/2019 Online Individuals i Bank FormP2 29

http://slidepdf.com/reader/full/online-individuals-i-bank-formp2-29 1/8

PrematureWithdrawal* Rateof interestpayable

After3 monthsbut before 6 months No Interest

After6 monthsbut before 12 months 3% lower than the minimumrate at which the publicdeposits are

accepted b y I C I C IHomeFinance

After12 monthsbutbeforethe dateof maturity 2% lowerthanthe interestratewhichI C I C IHomeFinanceCompany

D E C L A R ATIO NSBYTH EAPPLICANT

1. I have read and understoodand hereby agree to the terms and conditionsas applicableto my

account set forth. I/We understand that the terms and conditions are subject to

changes/revision fromtime to timeat the sole discretiono f I C IC IHomeFinance/or as required

underapplicablelaws

/ regulations.

2. I herebydeclare that the Depositormentionedin my applicationis the beneficialowner of this

deposit but, on demise of the Dep osi tor, the deposit may be payable to the survivor or the

nominee,as applicable.Theben eficialowner shouldbe treated as the payeeforthe purposeof taxdeductionat source under Section 194Aof the IncomeTax Act,1961.

3. I have gone throughthe financialand other statements / particulars/ representationsfurnished /

made by the Companyand after careful consideration I am making the deposit with the

Companyat my own risk and volitionof this information.

4. I agree, undertake and authorizethe Companyand Company'sGroupCompanies to exchange,

share and part with all the informationrelatingto my / our investment/ financialdetails and

financialhistory informationincludingthe details as containedin this form to the Company /

/our communicationaddress or any detailssupplied.

7. TheCompanyreserves the rightto reject any applicationwithoutprovidingany reason. Tha

Companyreserves the right to retain the applicationformsand documentsprovidedtherew

including photographs,and willnot return the same to us.

8. I hereby declare that all particulars and informationgiven in this application form (and

documents referred or provided therewith) are true, correct, complete and up to date in

respects are to the best of my knowledge, belief and information.

9. I further declare that the deposit made under the deposit applicationis throughlegiti

source and does not includedirectly / indirectlyany proceeds of schedule of offence a

or is not designed for the purpose of contraventionor evasion under any law.

10. I have no objection to the Companyand its group companies, brokers / representativ

provide me information on various products, offers and services provided by Comp

its group companies throughany mode( includingtelephonecalls / SMS / emails)and authCompany., its groupcompanies, brokers / representativesfo r the abovepurpose: Y

NO.

agreements and undertakingsand submit this applicationformfor the purposes of thi

D E C L A R ATIO NSBYTH EAPPLICANT

1. I have read and understoodand hereby agree to the terms and conditionsas applicableto my

account set forth. I/We understand that the terms and conditions are subject to

changes/revision fromtime to timeat the sole discretiono f I C IC IHomeFinance/or as required

underapplicablelaws/ Regulations.

2. I herebydeclare that the Depositormentionedin my applicationis the beneficialowner of this

deposit but, on demise of the Dep osi tor, the deposit may be payable to the survivor or the

nominee,as applicable.Theben eficialowner shouldbe treated as the payeeforthe purposeof tax

deductionat source under Section 194Aof the IncomeTax Act,1961.

3. I have gone throughthe financialand other statements / particulars/ representationsfurnished /

made by the Companyand after careful consideration I am making the deposit with the

Companyat my own risk and volitionof this information.

4. I agree, undertake and authorizethe Companyand Company'sGroupCompanies to exchange,

share and part with all the informationrelatingto my / our investment/ financialdetails and

financialhistory informationincludingthe details as containedin this form to the Company /

Company'sGroupCompanies/ FinancialInstitutions/ Credit Bureaus / Agencies / Statutory

Suffered by Company/ Company'sGroupCompaniesdue to my providingof any incor

communicationaddress and/or failureon my/our part to communicatethe change/alteratio

my

/our communicationaddress or any detailssupplied.

7. TheCompanyreserves the rightto reject any applicationwithoutprovidingany reason. Tha

Companyreserves the right to retain the applicationformsand documentsprovidedtherew

including photographs,and willnot return the same to us.

8. I hereby declare that all particulars and informationgiven in this application form (anddocuments referred or provided therewith) are true, correct, complete and up to date in

respects are to the best of my knowledge, belief and information.

9. I further declare that the deposit made under the deposit applicationis throughlegiti

source and does not includedirectly / indirectlyany proceeds of schedule of offence a

or is not designed for the purpose of contraventionor evasion under any law.

10. I have no objection to the Companyand its group companies, brokers / representativ

provide me information onvarious products, offers and services provided by Company

group companiesthro ugh any mode (includingtelephonecalls / SMS / emails) and auth

Company. its group companies, brokers / representativesfo r the abovepurpose: Y

NO.

Bodiesas maybe requiredand shallnot holdCompanyand Company'sGroupCompaniesliablefor 11. I declare that I am competent and fullyauthorised to issue such declarations,confirmatiouse/sharingthis information. agreements and undertakingsand submitthis applicationformfor the purposes of this dep

5. I furtherdeclarethat, I am authorizedto make this depositunderthe Schemeas specifiedin Terms and to execute all other documents requiredby IHFCfo r such purpose.

and Co nditionsgoverningIC IC IHomeFinanceFixedDepositand that the amountto be kept in the 12. This application form has been duly and validlyexecuted by me or on my behalf and w

deposithas been acquiredthroughlegitimatesources and does not involvedirectlyor indirectly accepted/acted uponby the Companywouldconstitutelegaland validobligationsthat are binany proceedsof a scheduledoffenceunder the Preventionof Mon eyLaunde ringAct,20 02 and / or on and enfo rceab leagainst me inaccordancewith the Termshereof. I / confirmthat the initia

is not designedfor the purposeo f contraveningor evadingany of the provisionsof the Prevention this ApplicationForm are made by me/us and the validityof such initialsshallnot be disp

by of Money LaunderingAct, 2002 and /or any rules, regulations, notifications, guidelinesor me.

directions made there under and as amended from time to time. I shall provide any further 13. I agree and understand that in the event I avail of any services / products / facilitiesoffereICICIinformationand fullyco-operate in any investigationas and when required by the Companyin HomeFinance. I shall be bound by allthe terms and conditionspublishedonBank Website accordance with the applicableLaw. www.icicibank.com.

6. I shallinformthe Companyregardingany change in my residence/ employmentand to provide 14. I hereby agree to abideby all the terms and conditions, whichhave been madea vailableto many furtherinformation/ documents that the Company /Company 'sGroupCompaniesmayrequire the Website.from time to time. I agree to indemnifythe Company against any fraud or any loss or damage

PR EMATUR EWI TH DR AWAL OFTHEDEPOS IT: As per the HousingFinanceCompanies(NHB)

Directions,2001, no prematurewithdrawalis allowedfor a periodof up to 3 months from

the date of deposit. In case of prematurewithdrawal,the followingrates shallapply:

*From the date of deposit

In the eventof the deathof the depositor, prem atureterminationof fixeddeposits would be

allowed; Such prematurewithdrawalwouldnot attract any penalcharge.

SIGNATUREOF DEP OSIT OR/S

First/Sole/

Guardian:

Second :

8. NOMINATIONYes

I/We MANEPALLI (names(s) & addresses (es) of the depositor(s)) nominate t

following person (details provided hereunder) to whom in the event of my death the amount of deposit in the account, particulars whereof are giv

below, may be returned by ICICIHome Finance Compan y, Branch (name and address of branch in which deposit is held)

Nature of Distinguishing no. Additional details, Name Address Relationship with Age If nominee is a minIf any deposito r, if any his date of birth

ramesh

As the nominee is a minor on this date, I/We appoint Shri/Smt./ Kum (Name,

address and age ) to receive the amount of the deposit on behalf of the nominee in the event of my/our/mino r’s death during the minority of the

nominee.

___________________________

Place: Kakinada Signature (s)/Thumb impression(s) of depositor

Date: 12/10/2009 12:00:00 AM

Name: ____________________________________________________________________________ Signature(s) __________________________

Addresses (es) of witness (es) ___________________________________________________________________________________________

http://www.icicibank.com/





Individuals

- Identification

Legalname and any other names used

- Correct permanent address

Documents

(i) Passport (ii)PAN card (iii)Voter ’s IdentityCard(iv)D rivinglicense (v ) E mployeeIdentitycard (subject to the Company’s satisfactio

(vi) Letterf rom existingbanker (restricted to a ScheduledCommercial Bank / ScheduledCo-operativeBank*).Letter has to be obtained

original bearing the Au thoriz ingOfficer’s name and signature along with the stamp of the bank. The verificationdone should be f

the name, photographand address of the individual.

(i) Utilitybill(ii)BankAccountstatement (iii)Rationcard (iv)OriginalLetterfrom employer

(Anyone documentwhichprovidescustomer informationto the satisfaction of the Companywillsuffice)

* Listof banks to be circulatedfrom time to tim

For office use only Date of Receipt:

Branch:

Checked by:Customer No.:

Authorized by:

Terms & Conditions - ICICIHome Finance Fixed Deposit Scheme

These terms and conditions (the “Terms”) govern and regulate the fixed deposit scheme (the

“Scheme”) provided by I C I C IHomeFinanceCompanyLimited(hereinafter referred, to as “ICICIHome

Finance“or “the Company”) made available through I C I C IBank website: ww w .icicibank.com (”the

Website”), subject to the followingterms and conditions:

1. DENOMINATION:Deposits under each option shall be accepted subject to a minimum deposit

amountunder differentincome plansas specifiedbelow for individualapplicant/s (“Applicant”).

MinimumRs. 10,000/-underAnnual/ Cumulativeincome plan

MinimumRs. 20,000/- under Quarterlyincome plan

MinimumRs. 40,000/-under Monthlyincome plan

Any additionalamount should be in multiplesof Re. 1/-.

2. SUBMISSIONOF TH EAPPL ICATION FOR M,OTHERDOCU MEN TS: The Applicant desirous to

avail the Scheme and make payment/s thereon of the Fixed Deposit amount shall be required to

applyfor the Scheme and provide requisitedetails on the Website. The Applicantshall be required

to handover the ApplicationForms duly completed and signed, along with the other documents

(the “Documents”) to the Company within fifteen (15) working days from the date of applying

under the Scheme or shall be required to deliver the Documents to the I C I C IBank's officialor

agent who shall collect the Documentsfrom the Applicant'sregistered address, in order to submit

the Documents at such branch/ locations as specified by the Company. The Fixed Deposit

Receipts (FDR)shall be generated and sent to the Applicantsby the Comp any, on ly upo n receipt of

the Documents.

3. PAYM ENT: Th e payment of fixeddeposit amount (the “Amount”) shall be required to be made by

the Applicant through the infinity account on the Website (the “Account”) by transferring the

Amount to I C I C IHome Financeaccount specified therein.

In case of non receipt of the Documents by I C I C IHome Finance within the stipulated time period

as specified herein above, the I C I C IHome Finance shall initiate the refund process & the Amount

shall be credited back to the Account within 7 working days from completion of the above stated

time periodof submission of Documents. In case of refundof the Amount, the Companyshall not

be liable to credit any interest on the Amountfrom the date of making payment of the AmounttoI C I C IHome Finance.

4. IN TE RE STPAYM EN TS: For the Fixed Deposits placed under the Scheme, the interest on the

deposits shall be paid from the date of receipt of the Amount however, the Fixed Deposit account

shall be opened in the name of the Applicant only after receipt of the Documents as mentioned

above. Such account shall be opened with effect from the date of receipt of the amount. In case of

non-receipt of Documents and refund of the Amount, the Companyshall not be liable to credit

any interest on the Amountfrom the date of making payment of the Amountto the Company.

Interest on deposits placed under Monthly Income Plan, Quarterly Income Plan and Annual

Income Plan shall be paid on fixed dates. Monthly interest payment dates will be the last day of

each of the months. The standard quarterly interest payment dates are March 31, June 30,

September 30 & December 31 every year. Under AnnualIncomePlan the interest will be paid once

in a year, after the end of the financialyear.

Please note that all payments for part periods shall be made on pro-rata basis. If a deposit is made

within a periodof 20 days prior to a standard interest payment date, the interest for the part period

will be paid on the next standard interest payment date.

Under the Cumulative Income Plan, interest will accrue on March 31 every year and the

accumulated interest will be paid on maturity amount (includinginterest and tax deducted at

source, if any) which shall not exceed the total maturity amount as calculated on a year on year

basis of compounding.

Payment of interest shall be made to the depositor/s (the “Depositor”) thruough direct credit to

the

Account of the depositor with I C I C IBank for all income

plans.

If requested by the depositor, interest will be paid throughElectronicClearingSystem ECSonly at

all centres where this facility is available,Where ECSfacilityis not available payments will be in

the formof Warrant/Cheque/DD/anyother mode as the Companymay deem fit and would be in

favour of the Depositor m arked “A/c Payee only”. I f the Depositorprovidesthe details of account

number and the bank branch, the same would be printed on the face of the interest warrant(s).

ECSwouldavoid fraudulentencashment of interest warrant(s).

Presently EC S facility is offered by IC IC IBank at below mentioncenters:

• Delhi • Ludhiana • Amritsar • Jalandhar • Chandigarh • Shimla • Jammu • Kanpur

•

Allahabad•

Varanasi •

Lucknow•

Dehradun•

Gorakhpur •

Agra•

Jaipur •

Bhilwara• Udaipur • Jodhpur • Rajkot • Ahmedabad • Baroda • Surat • Mumbai • Panjim •

Pune

• Sholapur • Kolhapur • Nasik • Aurangabad • Nagpur • Indore • Bhopal • Gwalior

Belgaum

5. NO MI NATION :The Applicant,can make only one nominationfor each deposit. Applicants

required to down load the nomination form and take a printoutof the same from the Webs

shall be required to submit the same to the Company either directly or through ICICIBank

or agent.

6. SUCCESSION:Where a nomination has not been made or the nominee predecea

Depositor, the provisionsof this paragraph willa pply. In the event of the demise of the De

of the Fixed Deposit, the Company will recognize the executor or administrators of the de

Depositor, or holderof Succession Certificate orany other legal representative as the holde

title to the Fixed Deposits. The Company shall not be bound to recognize such execu

administrator unless such executor or administrator obtains Probate or Letter of Administra

Succession Certificate or other legal representation, as the case may be, froman appropriat

in India. Thecompany at its absolute discretion, may in any case, dispense wi

production of Probate or Letter of Administration or Succession Certificate or othe

representation.

7. Joints deposits, non-individualdeposits and deposits in the name of a minor shall not be ac

by the Companythrough the Website.

8. FIXE DDEP OSITREC EIP T(“F DR”):

a) The FD R will be forwarded to the address of Depositor given in the application fo

Registered Post or Courieror in any other manner that the Companymay deem fit, at th

risk of the Applicant/Depositorafter receipt of the Documentsand the Amount.





b) FixedDepositReceipts are non-transferable.

9. LOSS, DESTRUCTION,ETC.OFDOCUMENT:

a) Fixed Deposit Receipts, interest and refund warrants/cheques/demand drafts may be sent by

registered post or courier or in any other manner that the Company may deem fit, at the

address of the Depositorgiven inthe ApplicationForm.TheCompanywillnot be responsible for

any loss or delay in transit due to postal/courier services or any circumstances beyond its

control.

b) In the event of loss, destruction or mutilationof the Fixed Deposit Receipt, interest or refund

warrant/ cheque/DD, the Company may issue a duplicate Fixed Deposit Receipt, interest or

refund warrant /Cheque/DD, subject to non encashment of the originalinstrument, upon receipt

from the Depositorof an indemnity/documents in the prescribed form to its satisfaction and

after compliance with such other formalitiesas may be requiredby the Company.

10. The Company shall accept only Fixed Deposit application/s through the Website. The Company

shall not entertain service request/s relating to the Scheme such as renewal of Deposit,repayment of Deposit, Loan AgainstDeposit, Pre-mature withdrawal of the deposit, issuance of

FD R etc through the Website. Any and all such service request shall be attended to at the below

specifiedaddress of the Company.

ICIC IHFCCentralOperationsTeam, 2ndFloor, Trans TradeC enter, O ppositeFloralDeck Plaza,

MIDC, Andheri(E),Seepz, Mumbai.

11. REPAYMENTOFD EP OS ITS:

a) Deposits will automatically expire on maturity. No interest will accrue thereafter on such

deposits unless the deposits are renewed as per clause on renewalof deposit.

b) TheCompanywillsend intimation with regard to the details of the maturityof the deposit at

least two months before the date of maturityof the deposit.

c) For repayment of deposits the duly discharged FD R with revenue stamp of requisite value must

be surrendered to the Company at least two weeks prior to the date of maturity with the

signature of the Applicant/Depositor.

d) A ll redemption payments will be in the form of warrant/cheque/DD/any other mode as the

Companymay deem fit and would be in favourof the Depositor marked “A/c Payee only”.. If

the Depositor provides the details of account number and the bank branch, the same would be printed on the face of the interest warrant(s). Direct Credit option may be used if

the Applicant/Depositor has an account with I C I C IBank.

12. Waiver: No failureor delay by the Company in exercising any right, power or privilegehereunder

shall operate as a waiver thereof nor shall any single or partialexercise of any other right, power

or privilege.The rights and remedies of the Company as stated herein shall be cumulative and

not exclusiveof any rights or remedies providedby law.

13. Indemnity:

a) The Applicant/Depositor hereby agrees that the Applicant/Depositor shall, at his/its own

expense, indem nify, defend and hold harmless the Companyfrom and against any and all

liabilityany other loss that may occur, arisingfrom or relating to the operation of FixedDeposit

or breach, non-performanceor inadequate performance by the Applicant/Depositor of any of

these Terms or the acts, errors, representations, misrepresentations, misconduct or

negligence of the Applicant/Depositor in performanceof its obligations.

b) Under no circumstances shall the Company be liable to the Applicant/Depositorfor any

indirect, incidental, consequential, special or exemplary damages in connection with the

services.

c) The Applicant/Depositor shall solely be responsible for ensuring full compliance with all the

applicable laws and regulations in the relevant jurisdiction in connection with the Fixed

Deposits with the Company and shall indemnifyand keep indemnifiedI C I C IHomeFinance from

all actions, proceedings claims, losses, damages, costs and expenses (includinglegal costs

on a solicitor and client basis) which may be brought against or sufferedor incurred by I C I C I

Home Finance in connection with any failure to comply with any such applicable

laws/regulations.

d) The indemnities as aforesaid shall continue notwithstanding the termination of the Fixed

Deposit.

14. Company 'sLienand Rightto Set Off:

a) The Company shall have the paramount right of set-off and lien, irrespective of any other lien

or charge, present as well as future, on all the deposits held/ balances lying in any account of

the Applicant/Depositor , whether in single name or joint name(s), to the extent of all

amounts payable by the Applicant/Depositorarising as a result of any of Company'sservices

extended to and/or used by the Applicant/Depositor or as a result of any other facilities that

may be granted by ICICIHome Finance Companyto the Appli cant/D epos itor. The Companyis

entitled without any notice to the Applicant/Depositor to settle any indebtedness whatsoever

owed by the Applicant/Depositor to the Company, whether actual or contingent, or

whether primary or collateral, or whether joint and/or several, including without limitation

indebtedness under any indemnity given by the Applicant/Depositor to I C I C IHome Finance

Companyhereunder or under any other document/ agreement, by adjusting, setting-off any

deposit(s) and transferring monies lying to the balance of any account(s) held by the

Applicant/Depositor with I C I C IHome Finance Company, notwithstanding that the deposit(s)/

balances lying in such account(s) may not be expressed in the same currency as such

indebtedness. ICICIHome Finance Company's rights hereunder shall not be affected by the

Applicant's/Depositor'sbankruptcy, insolvency, death or winding-up.

b) In addition to the Company's rights of set-off, lien or any other right which it may at any time

be entitled whether by operation of law, contract or otherwise, the Applicant /Depositor

authorises ICICIHome Finance: (a) to combine or consolidate at any time all or any of the

accounts and liabilitiesof the Customer with or to any branch or officeof I C I C IHome Finance

(whether in India or elsewhere); and (b) to apply, set-off or transfer at any time (without

prior notice to the Applicant/Depositor ) any credit balance (whether or not then

due) to which the Applicant/Depositor is at any time beneficiallyentitled (whether singlyor

jointly)on any account, in the Applicant's/Depositor's name or jointly with any other person,

with any branch or office of I C I C IHome Finance (whether in India or elsewhere) towards the

satisfaction of any or all of the Applicant's/Depositor's liabilities (whether such liabilities be

f l i i ll l l j i ) d h



e) The abovementionedrights o f I C I C IHome Finance are without prejudice to the obligationsof

the Applicant/Depositor to pay to ICICIHome Finance when due all its indebtedness and

without prejudice to any other rights that I C I C IHome Finance may have against the

Applicant for recoveryof outstanding from Applicant/Depositor to I C I C IHome Finance.

f) The Companyshall be entitled to withhold payments out of the Applicant's/Depositor'saccount

in case any amounts outstanding from the Applicant/Depositor to the Company are not paid

when due.

15. RENEWAL O FD EPOSIT: Subject to the Scheme being open, the deposit may be renewed on

maturityon such terms and conditions of the Scheme as applicableon the maturitydate of the old

deposit. The deposit can be renewed by submitting a duly completed fresh application in the

prescribed form along with the discharged FD R with revenue stamp of requisite value within 1

month from the date of matu rity. In case the applicationis received by ICIC IHom e Finance after 1

month, I C I C IHome Finance may at its discretion, accept/reject the applicationon such terms and

conditionsas it may deem fit.

16. LOANAGA INSTDEP OSITS: Loanagainst Deposit may be availedof from I C I C IHome Financeafter

3 months from the date of deposit, which would be given at the discretion of ICICIHome Finance.

This loan may be given for up to 75% of the deposit amount, subject to the other terms and

conditions as may be specified by the Companyfrom time to time. Interest on such loans will be

2% above the deposit rate. Thisfacilityis availableonly to individuals(other than NRI's& minors)

and HUFs.

17. PREMATURE WIT HDR AWA L O F T H E D E PO S IT: As per the Housing Finance Companies

(NHB) Directions,2001, no premature withdrawal is allowedfor a period of up to 3 months from

the date of deposit. In case of premature withdrawal,the followingrates shall apply:

PrematureWithdrawal* Rateof interest payable

After 3 months but before6 months No Interest

After 6 months but before12 months 3% lower than the minimumrate at which the public

depositsare accepted by I C IC IH o m eFinance

After 12 months but before the date of maturity 2% lower than the interest rate which I C IC IHome Finance

Companywouldhavepaid had thedepositbeen accepted for the

periodfor which such deposithas run

*From the date of deposit

In the eventof the deathof the depositor, prematuret erminationof fixeddeposits would be

allowed; Such premature withdrawalwouldnot attract any penal charge.

18. TAXDEDUCTIONAT S OU R CE: In accordance with and as per the provisionsof section 194Aof

the IncomeTax Act,1961, tax would be deducted at source (TDS)if interest credited / paid or likely

to be credited / paid to residents during the financial year exceeds Rs. 5,000/-. This exemption

is not applicablefor non resident Depositors.

However, if the Depositor submits a self declaration, in duplicate, in prescribed Form 15G (for

persons other than company and firm) or Form 15H(for senior citizens who have attained the age

of

65 years during the financial year) as the case may be / Exemption Certificates issued by the

Income Tax Authorities u/s 197 / any other documentary evidence under the relevant

provisions of the IncomeTax Act, 1961, tax would be deducted at Nil/ Lower rate for the relevant

financialyear, as the case may be, in accordance with the prevailingtax laws as may be amended

from time to time. In terms of section 197A, Form 15G willnot be taken cognizance of for the

purpose of TDS Exemption, in case total income likely to be credited / paid exceeds maximumamount which is not chargeable to tax. Form 15H can be furnished by resident senior citizenfor

claiming TD S exemption even if the total interest likely to be credited / paid exceeds maximum

amount which is not chargeable to tax.

Where the Depositorqualifiesas a specifiedentity whose income is unconditionallyexempt u/s 10

of the Act. And is not statutorily required to file return of income u/s 139 of the Act, no tax would

be deducted at source for specified entities subject to submission of proof of such exemption by

the Depositor in term of CBDTCircular No. 4/2002 dated July 16, 2002. RecognizedProvident

Fund/ Approved Superannuation/Gratuity Fund exempts u/s 10(25), University / Education

Institution / Hospital / Other Institutions exempt u/s 10(23C)(iiiab)or 10(23C)(iiiac)are illustrative

examples of specifiedentities under the said CBDTCircular.

As per the provisions of section 139A(5A)of the Income Tax Act, every person receiving any

sum from which tax has been deducted at source, is required to intimate his/her Permanent

Account Number (PAN) / General Index Number (GIR)to the person responsible for deducting

such tax. Hence, the Depositorsare requested to indicate theirPAN / GIRin the applicationform.

According to a press release of September 29, 2007 issued by C BDT, the deductee (Depositor)

is advised to provide his / her correct PAN to the Company failing which the deductee

(Depositor)would face penal proceedings under the IncomeTax Act,1961.

The Applicant/Depositor will be responsible to forward form 15G/15H, if selected at the time of

placing the deposit with the Company to ICIC IHFC CentralOperationsTeam at address provided

under clause 10.

19. TAXBENEF ITS: As per the prevailing provisions of the Act, the tax benefits available to the

Depositorson investing in the FixedDeposits are:

a) No Wealth-tax or Gift-taxis levied on investments in Fixed

Deposits.

20. The Company may keep its records of the transactions done by the Applicant/Depositor on the

Website in the manner as may be decided by the Companyfrom time to time. In the event of any

dispute, the Company's records shall be binding and conclusive evidence of the transactions

carried out by the Applicant/Depositor through the Website in the absence of clear proof that

Company's records are erroneousor incomplete.

21. No Encumbrances:The Applicant/Depositorshall not create or permit to subsist, any encumbr

or third party interest over or against any account(s) or any monies lying therein without I

Home Finance'sexpress priorwrittenconsent.

22. Liabilityof the Applicant/ Depositor andIC IC IHome Finance: Neither I C I C IHome Finance

the Affiliatesshall be liablefor any unauthorised transactions occurring through the Website

the Applicant/Depositor hereby agrees to fullyindemnify and h o ld IC IC IHome Finance and

Affiliates harmless against any action, suit, proceeding initiated against it or any loss, co

damage incurredby it as a result thereof. I C I C IHome Financeshall under no circumstance be

liable to the Applicant/Depositor if the Website is not available in the desired manner for rea

including but not limited to natural calamities, legal restraints, faults in

telecommunication network or network failure, or any other reason beyond the controlof

Home Finance.

23. Disclaimer of Warranties:The Applicant/Depositor expressly agrees that use of the Website

its sole risk. The Website is providedon an "as is" and "as available" basis.

Except as warranted in the terms, I C I C IHome Finance expressly disclaims all warranties of

kind, whether express or implied or statutory, including, but not limited to the im

warranties of merchantability, fitness for a particular purpose, data accuracy

completeness, and any warranties relating to non-infringementin onlinemode for the Scheme

I C I C IHome Finance does not warrant that access to the Website for the Scheme shal

uninterrupted, timely, secure, or error free nor does it make any warranty as to the results

may be obtained from the Website or use, accuracy or reliabilityof online mode of applic

of the Scheme.

I C I C IHomeFinance willno t be liablefor any virus that may enter the Applicant'ssystem as a re

of the Applicant using the online mode of application for the Scheme. ICICIHome Finance d

not guarantee to the Applicantor any other third party that access to the Website would be v

free.

24. Electronic Transactions: The Applicant/Depositor agrees to adhere to and comply with all s

terms and conditions as I C I C IHome Finance may prescribe from time to time, and hereby ag

and confirms that all transactions / instructions effected by or through facilitiesfor condu

remote transactions including the website, I C I C IHome Finance's 24-Hour Customer CCentre, World Wide Web, electronic data interchange, teleservice operations (whether vo

video, data or combination thereof) or by means of electronic, computer, automated mach

network or through other means of telecommunication,established by or on behalf of ICICIH

Finance, for and in respect of the account(s), or other products/ services of I C I C IH

Finance's, shall constitute legallybinding and valid transactions when done in adherence to

in compliance with these terms and all other terms and conditions for such other produ

services offered as part of online mode of applicationfor the Scheme, as may be prescribe

I C I C IHomeFinance from time to time.

25. Unauthorised Access: The Applicant/Depositor shall take all necessary precautions to pre

unauthorizedand illegalaccess to and/ or use of the products/ services on the Website and

tak e commerciallyreasonable care to, ensure the security and preventionof unauthorised ac

to/ use of products / services o f I C I C IHome Finance'sWebsite.

26. Change of Terms: ICICIHome Finance shall have the absolute discretion to amend or supplem

any of the terms at any time. I C I C IHome Finance may communicate the amended term

hosting the same on the Website or in any other manner as decided by I C I C I H

Finance. The Applicant/Depositorshall be responsible for regularlyreviewingthese terms inclu

amendments thereto as may be posted on the Website.

27. Particular to be specified under paragraph 6 of the Housing Finance Companies (NH

Directions, 2001

a) In case of any deficiencyof the Companyin servicing its deposits, the Depositor may appro

the National Consumers Disputes Redressal Forum, the State Level Consumers Disp

RedressalForumor the DistrictLevel Consumers D isputeRedressal Forumfor relief.

b) In case of non-repayment of the deposit or part thereof in accordance with the terms

conditions of the deposit, the Depositor may make an application to the authorised offic

the NationalHousingBank.

c) The financial position of the Company as disclosed and the representations made in

application form are true and correct and that the Company and its Board of Directors

responsible for the correctness and veracity thereof.

d) The Company is within the regulatory framework of the National Housing Bank. It m

however, be distinctly understood that the National Housing Bank does not undertake

responsibilityfor the financialsoundness of the Companyor for the correctness of any of

statements or the representations made or opinions expressed by the Company, and

repayment of deposit/ discharge of liabilitiesby the Company.28. GENERAL:

a) The Company reserves the right to reject any application for deposit or renewal of dep

without assigning any reason thereof.

b) Interest Rates are subject to change and the rate applicablewill be the rate prevalentas on

date of deposit.

c) The terms and conditions mentioned herein are to be read in conjunctionwith and in additi

all other terms and conditionsas specifiedelsewhere in this document.

d) The company has the right to change, amend, add or delete any of the terms and condit

governing the fixeddeposit and the company shall give notice of the same to the Deposito

accordance with the applicable guidelines. Disputes, if any, arising in connection with

fixed deposit scheme, will be subject to the jurisdictionof Courts at Mumbai.

29. NO N-R ES IDE NTIN DIA NS: Deposits from Non-Resident Indians and persons of Indian or

resident outside Indiashallnot be accepted through the website.

IC ICI HomeFinance CompanyLimited Application serial no

Date of deposit with the IC ICI HomeFinance Company: AC K NOW LE DGME NTSL IP

Receivedfrom Mr. / Mrs. / Ms. (Nameof Sole / FirstApplicant)FixedDepositapplicationwith

a) A/c. No. for Rs.



(Validsubject to Realisationof Cheque/ DemandDraft) Stamp

Mr. / Mrs. / Ms. We have receivedyourformon and yourformis under process.



ContingentLiabilities 31-Mar-09 31-Mar-08

IncomeTax matters in appeals 13 13

Aggregatedues ason March31, 2009 OutstandingFun d

Based FacilitiesOutstandingNon

Based Faciliti

Companiesin the same groupor other entities/Business

Ventures in which Directorsand/ or I C IC IH o m eFinance

CompanyLimitedare/ is holdingsubstantial interest951 NIL

ICICIHome Finance Company Limite

Regd. Office: ICICIBank Towers,

Bandra- Kurla Complex, Mumbai - 400

PARTICULARSASRE Q UI RE DUND ERNON -BANK INGF I N A N C I A LCO MPANIES

ANDMISCELLANEOUSNON-BANKINGCO MPANIE S(ADVE RTIS EM ENT )RULES1977

a) Name of the Company: ICICIHome Finance Company

Limited. b) Date of Incorporation: May 28, 1999

c) (i) Business carried on by the Company and its subsidiaries: The Compan y’s principal business is to provide financial assistance to any perso

persons to acquire houses, buildings and any form of real estate and also for the purpose of construction, renovation, development or repa

such houses or buildings or any form of real estate. The Company has no subsidiary compan y.

(ii) Major branches/service centers:

Locations Tel. No. Locations Tel. No. Locations Tel. No. Locations Tel. No.

Ahmedabad 66309890 Darjeeling 9933008000 Jharkand 9934008000 Patna 9934008000

Andhra Pradesh 9849578000 Delhi 9818178000 K arnataka 9845578000 Pune 9890478000

Assam 9954108000 Delhi 41718000 Kerala 9895478000 Punjab 9815558000

Bangalore 41131877 Goa 9890478000 Kochi 9895478000 Rajasthan 9829222292

Bhubaneshwar 9938488000 Gujarat 9898278000 Kolkata 9831378000 Ranchi 9934008000

Bihar 9934008000 Guwahati 9954108000 Lucknow 9936218000 Siliguri 9933008000

Chandigarh 5055700 Haryana 9896178000Madhya Pradesh 9893208000 Tamil Nadu 9894478000

Chattisgarh 9893208000 Himachal Pradesh 9816608000 Maharashtra 9890478000 UP East 9936218000

Chennai 42088000 Hyderabad 23128000 Mumbai 28307777 UP West 9897308000

Coimbatore 4358000 Indore 4022005 North East 9862408000 Uttaranchal 9897308000

Cuttack 9938488000 Jamshedpur 9934008000 Orissa 9938488000 West Bengal 9933008000

d) Brief particulars of the management of the Company: The Board of Directors of the Company has the ultimate responsibility for the management

its business. Mr. Sandeep Bakhshi is the non-executive Chairman of the Board. Mr. Rahul Mallick, MD & CEO has the overall responsibility fo

business of the Compan y.

e) Name, address and occupation of the Directors:

Name, Occupation

Mr. Sandeep Bakhshi

Address

ICICIBank Towers, Bandra- Kurla Complex,

Name, Occupation

Mr. S. Santhanakrishnan

Address

G-5, Prime Terrace, 150, L. B. Road,Company Executive Mumbai 400 051 Company Director Chennai 600 041

Mr. Vijay Chandok

Company Executive

ICICIBank Towers, Bandra- Kurla Complex,

Mumbai 400 051

Mr. Rahul Mallick

MD & CEO

ICICIBank Towers, Bandra- Kurla Comp

Mumbai 400 051

Mr. Jayesh Gandhi

Chartered Accountant

A/4, Mewawala Apartment, 53-D, St. Mary Road,

Vile Parle (West), Mumbai 400 056

f) & g) PROFITS & DIVIDENDS: (Rs.in M

Years endingProfitbeforetax

(Rs.in Million)

Profitafter tax

(Rs.in Million)

EquityDividend

Declared(%)*

31-Mar-09 1,844 1,429 6.90%

31-Mar-08 996 704 9.65%

31-Mar-07 637 470 9%

* EquityDividendonly

h) Summarised financialpositionof the Companyas appearingin the two latest audited Balance Sheets: (Rs.in Million)

Liabilities 31-Mar-09 31-Mar-08 Assets 31-Mar-09 31-Mar-08

ShareCapital 10,988 7,988 FixedAssets 60 5

Reserves& Surplus 1,466 904 Investments 15,698 11,379

Secured Borrowings 10,700 Nil DeferredTax Assets 393 282

UnsecuredLoans 106,913 72,120 Loans 111,145 67,480

CurrentLiabilities 2,873 3,953 CurrentAssets &OtherLoans&Advances

6,385 6,313

Provisions 741 494

Misc.Expenses(to the

extent not writtenoff)

N il Nil

Total 133,681 85,459 Total 133,681 85,459

h) In terms of Housing Finance Companies(NHB) Directions, 2001, the company can borrow upto sixteen times of the net owned funds, i.e. Rs. 189

million, out of which, not more than five times the net owned funds can be by way of public deposits, i.e. Rs. 59,277 million. At March 31, 2009

aggregate amount of deposits held by the company was Rs. 26,694 million and public deposits was Rs. 24,267 million. There are no overdue dep

other than unclaimed deposits.

i) We declare that: (1) the Company has complied with the provisions of the directions applicable to it, (2) the compliance with the directions doe

imply that repayment of deposits is guaranteed by the Reserve Bank of India and the National Housing Bank; and (3) the deposits accepted b

Company are unsecured and rank pari passu with other unsecured liabilities of the Compan y.



*MonthlyIncomePlan

Period

(Months)

Deposits

(Amountin Rs.)

Rate of Interest

(% per annum)

20 mths

30 mths

40 mths

60 mths

< = Rs. 1 cr

< = Rs. 1 cr

< = Rs. 1 cr

< = Rs. 1 cr

6.95%

7.70%

7.95%

8.20%

MinimumdepositamountRs. 40,000/-

*QuarterlyIncom ePlan

Period

(Months)

Deposits

(Amountin Rs.)

Rate of Interest

(% per annum)

20 mths

30 mths

40 mths

60 mths

< = Rs. 1 cr

< = Rs. 1 cr

< = Rs. 1 cr

< = Rs. 1 cr

7.00%

7.75%

8.00%

8.25%

MinimumdepositamountRs.20,000/-

*CumulativeOption

Period(Months)

Rate of Interest(% per

annum)

MaturityAmountfor aDepositof Rs. 1,000*

MaturityDepositWithoutTD S(RS)**

General Senior Citizen General Senior Citizen

20 mths

30 mths

40 mths60 mths

7.15%

8.00%

8.25%8.50%

1,121.98

1,212.16

1,302.451,503.66

1,128.10

1,222.00

1,316.541,528.07

69,000

62,000

60,00058,000

66,000

59,000

58,00056,000


#

MAAA“Highest credit quality rating by ICRA”

Fixed Deposit Form

FOR INDIVIDUALSAAA“CARE AAA (FD) (SO)” by CARE

LOAN FACILITY

TAX DEDUCTION AT SOURCE

No Tax would be deducted at source (TDS) if interest credited /

paid or likely to be credited / paid to a resident during the

financial year does not exceed Rs. 5,000/-.

Loan against deposit is available after 3 months from the date of deposit upto

75% of the deposit amount, subject to the other terms and conditions

prescribed by ICICIHome Finance Company Ltd. from time to time. Interest

on such loans will be 2% above the deposit rate. This facility in available on

to individuals (other than minors) & HUF.

Rates Effective From August 17, 2009

*Annual/ Cum ulativeIncom ePlan

Period

(Months)

Deposits

(Amountin Rs.)

Rate of Interest

(% per annum)

20 mths

30 mths

40 mths

60 mths

< = Rs. 1 cr

< = Rs. 1 cr

< = Rs. 1 cr

< = Rs. 1 cr

7.15%

8.00%

8.25%

8.50%


#ICICI Home Finance Company Ltd. has been assigned a credit rating of “CARE AAA (FD) (SO)” for its fixed deposits by Credit Analysis &

Research Limited. Instruments carrying this rating are considered to be of best qualit y, offering highest safety for timely servicing of debt

obligation. The rating is based on the credit enhancement by ICICIBank Ltd. in the form of a letter of comfort.

Deposits for Senior Citizens

Rate of Interest: Rate s a pplica ble on the date of de posit and plus

add itional rate of 0.35% per annu m for all s pecial schemes.

Eligibility: Individuals who have completed 60 years of age should

be the firstapplicant / deposito r. One of the following documents

must be submitted as proof of age along with the application form –

• Self-attested copy of Passport, Voter ID Card, PAN Card, Driving

Licences, Secondary School Leaving Certificate, Life Insurance

Policy, Birth Certificate issued by the competent authorit y, or

any other document acceptable to ICICIHome Finance CompanyLtd.

Interest compounded annuall y. Deposits can be placed for any

number of months between 12 & 84.

"INTERESTRATES ARE SUBJECT TO CHANGE AT THE SOLE

DISCRETIONOF ICICIHOME FINANCE COMPANY LTD.

AND AS PRESCRIBEDUNDER TH ELAWS AND THE RATE APPLICABLE

WILLBE THERATE PREVALENT ON THE DATE OF DEPOSIT.”

KY C Comp liance

Know Your Customer (KYC) Guidelines issued by the National

Housing Bank are applicable to Housing Finance Companies. In

order to comply with these guidelines, we request you to provide

your details as required in the application form.

Please refer clause 17 of terms and conditions for premature withdrawal

