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8/7/2019 ICICI WM Brochure
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Expertise to back you
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Whatever you dream, we realize it with you.
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Expertise to back you
page 03
It is said that the most dazzling dreams come to those who
have the fervour to see them through. Adding brilliance to
this power is the Wealth Management services suite from
the nation’s leading private sector bank.
Presenting ICICI Bank Wealth Management
Wealth is the result of a recognized opportunity. At ICICI
Bank Wealth Management we understand this and work
with you to plan and manage your financial opportunities
prudently.
An exclusive initiative, ICICI Bank Wealth Management,
provides you that much-needed thrust, required to set
another milestone. Not just that, we also extend a host
of services so you can remain focused on immediate
objectives while we take care of all your wealth
management requirements.
As a diligent and well-
e x p e r i e n c e d we a l th
management expert; we
will partner and guide
you just as we do with other industrious
and successful individuals like yourself.
We will realize the long term objectives
for your wealth, so you can be confident
of a future that ’s as rich and luxuriant as your today.
Rest assured, your wealth will be backed by minds as
driven to realise your dreams, as you.
Please refer to the end of the brochure for terms and conditions.
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Syncronised Strengths Together, we chart your success
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Expertise to back you
ICICI Bank is India’s second largest bank, with over 50
years of financial experience and 14 million customers
worldwide. Today, ICICI Bank is a global bank, with its
presence in 18 countries across the globe. ICICI Bank is the
first Indian company to be listed on the New York Stock
Exchange and is a part of the well-established and hugely
successful ICICI Group. The ICICI Group has expertise in
many financial services from banking to broking, mutual
funds to insurance, home loans, venture funds and much
more. The Group is the largest consumer credit provider
and the largest private sector life and general insurer in
India, with diverse products and varying expertise. All
blended to bring you a gamut of financial services to
ensure that you have the advantage in every financial
decision, no matter where you are.
Benefit from the synergy that only comes from
a well diversified banking group’s expertise
that ranges across the financial sector.
page 05Please refer to the end of the brochure for terms and conditions.
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ICICI Group Strengths
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- Largest private general
insurance company in India
Comprehensive general insurance
coverage for institutional and individual
needs.
- Among the top three Asset
Management Companies in India
- Largest provider of Portfolio
Management Services
Investment across asset classes through
Mutual Funds and Fund of Funds. Cus-
tomised equity investments through PMS.
- Largest private life insurance
company in India
Customised protection and retirement
solutions for you.
- Dominant player in real estate advice,
investment consulting and brokerage
Integrated provider of real estate advice
and investment services.
- Market leader in online trading
- USP of integrated bank, demat and
trading account
- Largest private equity and venture fund
management company in India
Enables you to participate in high growth
companies through venture funds.
Provides seamless online trading
capability in India equities, derivatives,
mutual funds and Initial Public Offerings.
- Leadership in investment
banking business
- Largest arranger of funds indebt and equity
Provides access to private placement
deals and helps you in your investment
banking needs.
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A perfect partnership isabout similar perspectives.
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Expertise to back you
Your Dedicated Wealth Manager
A dedicated Wealth
Manager is central to
an ICICI Bank Wealth
Management relationship
and is the face of the Bank.
Your Wealth Manager
will be more than just
a one-point contact for
all your banking and
financial needs. In fact he/she will be your personal guideto the possibilities of Wealth Management, and will work
closely with you in achieving your financial goals. He/She
will put you in touch with our panel of financial experts
for specialized solutions and liaison within the various
page 09
Goals, challenges,milestones. What drives
you, drives us too. That’s why we have a team
of determined and seasoned professionals
who not just assist you in your requirements,
but also partner closely in your growth to
bring your dreams to fruition.
ICICI Group Companies on your behalf, ensuring that
you have the expertise of one of India’s biggest and the
most innovative powerhouse at your disposal. In order
to maintain seamless and uninterrupted service, you will
also have access to a Customer Service Manager/Officer,
who will complement your Wealth Manager.
Expert minds to give you expert solutions
Your Wealth Manager is only a part of the larger team
which ensures that your money works harder. Working
silently behind the scenes is a team of product experts.These handpicked experts have a wealth of financial
experience under their belt and will assist you in your
decision-making process.
Please refer to the end of the brochure for terms and conditions.
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Disciplined
Portfolio
Building
Approach
Understanding
Financial
Goals
Investment
Plan
Portfolio
Review
PortfolioMaintenance
PortfolioConstruction
• Risk Profile
• Investment Objectives
• Existing Portfolio
• Asset Allocation
• Cash flow
planning
• Rebalance
existing
portfolio
• Execution of debt,
equity and other
investments
• Tactical rebalancing
• Maintain asset allocation
• Review investment
objectives. Portfolio
progress, asset
allocation and
portfolio strategy
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Expertise to back you
page 11
We understand your financial goals
Our investment process starts
with understanding you -
your background, investment
objectives, risk tolerance andexisting investment pattern. A
comprehensive Client Profiling
exercise helps us in evaluating
your risk appetite and understanding your investment
objectives, which are kept in mind while building
your portfolio.
Planning your Investments
Based on your investment goal, wealth requirements,
investment horizon and risk profile, we construct a suitable
asset allocation plan for you. During this exercise, we also
evaluate and realign your existing investments as per the
suggested asset allocation, in case required by you.
Constructing a strong Portfolio
From our wide range of investment avenues, we construct
appropriate solutions to implement your investment
plan and evolve a tailor-made portfolio for your specific
requirements. This would involve execution of investmentsin debt, equity, structured products or alternative asset
classes as per the suggested asset allocation.
Maintaining your Portfolio
We monitor your investments and periodically suggest
rebalancing in the portfolio for maintaining the asset
allocation or aligning your portfolio to changes in macro-economic factors that might affect your investments.
Reviewing your Portfolio
As your investment preferences or financial goals change
over a period of time, we review your portfolio periodically
with you to discuss and implement any changes in asset
allocation or portfolio strategy. All with a view to keeping
your portfolio healthy at all times.
Please refer to the end of the brochure for terms and conditions.
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Wealth Management Solutions & Products
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Mutual Funds
ICICI Bank Wealth Management offers you advice on the
entire universe of mutual funds. So be it equity funds,
where you look for growth and capital appreciation or
debt funds for capital preservation, we can help you selectthe right mix to suit you. Choose from an array of more
than 15 fund houses with innumerable schemes.
Structured Products
Our Structured Product offerings are tailor-made to suit
your investment objective and risk appetite. Our services
include Discretionary Portfolio Management and speciallydesigned products that are Equity or Index-linked in
nature.
Alternate Asset Products
ICICI Bank Wealth Management broadens your investment
avenues. We offer products which complement your
existing investments eg. Art Funds, Private Equity
Funding, Realty Funds. So, if you’re looking beyond the
stock market, you’ll find us there too!
Life Insurance & Retirement Solutions
No need to worry about your family’s future or your
expenses post-retirement. ICICI Bank Wealth Management
has your protection and pension covered. With our
assistance you can choose a plan customized to your
benefit. Your future is secure with us.
General Insurance
ICICI Bank Wealth Management
doesn’t just protect your
life, but also makes everyday
living simple. We offerproducts in areas of Health
Insurance, Home Insurance,
Travel Insurance and Motor
Insurance. So stay protected
wherever you are...be it driving your favorite car or flying
the skies!
Icicidirect.com
ICICI Bank Wealth Management brings you the best
value for money through competitively priced brokerage
charges for Online share trading services from icicidirect.
com. With a 3-in-1 account consisting of a trading account,
ICICI Bank savings account and demat account, you can
stay connected to the market at all times. To add to this,
we give you a waiver on account opening charges too.
Fixed Deposits
Choose from our wide variety of Fixed Deposits. Be it
that Recurring Deposit for your monthly saving plan, or
your Floating Rate Deposits to take advantage of dynamic
interest rates... ICICI Bank Wealth Management has it all.
Our Fixed Deposits are competitively priced and offer you
better yields than similar savings instruments.
Please refer to the end of the brochure for terms and conditions.
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Wealth Management Privileges
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Expertise to back you
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As an exclusive client of ICICI Bank Wealth
Management, we have put together a host of
special conveniences, so you can enjoy your
banking experience even more and feel every
bit privileged.
Our Banking Products and Services
As our valued Wealth Management client, ICICI Bank
will take that extra step to make you feel special. Be it
Preferred Rates on loans or deposits; Privileged Features
on your account or Priority Processing on any product/
service you seek.
Access to any Bank’s ATM
You are entitled to unlimited
access to the ATMs of any bank.
You can withdraw cash or do
a balance inquiry at any of the
ATMs...absolutely free!
Money Multiplier
With your Wealth Management account, we give you
the opportunity to earn interest rates of a Fixed Deposit!
When the balance in the savings account exceeds
Rs.10,000/- money in multiples
of Rs.5000/- can be converted
into a fixed deposit. This fixed
deposit will automatically be
broken whenever the balance in
your savings account falls below
Rs.10,000/-. This ensures that
you enjoy the returns of a fixed deposit and liquidity of a
savings account. This facility is available on request.
Our Range of other services
• Waiver of charges for non-maintenance of Average
Quarterly Balance
• Discount/waiver on safety locker charges
• Anywhere banking - complete waiver of charges
• Demand draft/Pay order - complete waiver of charges
• Free Multi-city Cheque Book - makes outstation financial
transactions just a signature away.
Please refer to the end of the brochure for terms and conditions.
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Expertise to back you
page 17
Investment & Services
ICICI Bank Pure Gold
You can purchase ICICI Bank Pure Gold coins/bars at
preferential rates. Our 24 Carat Gold
is imported from Switzerland and
carries a 99.99% Assay Certification,
signifying highest level of purity, as
per international standards.
Credit Assistance
We offer a wide array of Home Loans, Personal Loans and
Auto loans. You can also enjoy preferential interest rates,
discounted processing fees, enhanced loan limits and
priority processing of loans.
Foreign Exchange Services
Enjoy benefits as you travel the globe
with our Forex services.
• American Express Travelers cheques
and ICICI Bank Travel Card
• No load/reload charges on travel
card
• No commission charges on Travelers Cheque.
• Benefit from preferential rate on sale and encashment
of foreign currency.
3-in-1 Account
Get the best value for your money through competitively
priced brokerage charges from icicidirect.com. With a 3-
in-1 account consisting of trading, ICICI Bank account and
demat account, you can enjoy:
• Competitive priced brokerage rates
• Reduced account opening charges
• Online share trading services
Other offerings
Internet Banking
Log on to www.icicibank.com and you can bank at “your
convenience” at anytime and from anywhere.
Mobile Banking
With Mobile Banking from ICICI Bank, you can conduct
several banking transactions. It’s quick, convenient and
absolutely safe.
Please refer to the end of the brochure for terms and conditions.
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Wealth Management Exclusives
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Expertise to back you
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Exclusive Phone Banking
Simply register your mobile number with us and every
call you make to our customer care centre will be directly
connected to the Wealth Management Phone Banking
Officer.
Credit Card
As a Wealth Management customer
you are eligible for a Personalised
Credit Card. With this credit card you
can avail of preferential treatment,
discounts, rewards and privileges at
the finest resorts, hotels, restaurants,
shopping malls, spas and health clubs.
Debit Card
You also have your very own Personalised Wealth
Management Platinum Debit Card. This card brings
together a host of benefits and offers that are valid both
nationally and internationally.
Exclusive Wealth Management Zones
Get your own private space at exclusive Wealth
Management Zones in select ICICI Bank branches.
Seminars and Special Events
We at ICICI Bank Wealth
Management help you stay
tuned to the latest trends in
financial markets with special
invitations to seminars on
key investment-related topics
like Capital Markets, Taxation,
Union budget and Regulatory
environment conducted by experts in their field. We
also go beyond taking care of your financial needs,
and encompass your cultural interests as well. We take
immense pride in hosting exclusive events for discerning
clients like you.
Dedicated Service Helpline
You can email your request to:
[email protected] or call our
Toll Free no. at 1800-22-8181 and connect with a Wealth
Management Phone Banking Officer.
Please refer to the end of the brochure for terms and conditions.
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We share your vision. We back it better.
You have persevered through time
to build your wealth, and now it’stime you took a decisive step to
augment it further.
ICICI Bank Wealth Management
draws on the knowledge we
possess to conserve, manage
and appreciate your wealth most
prudently. Make the most of your
wealth and let our expertise be
your guide...
To learn how we can help you,
feel free to call us on our Toll Free
no. 1800-22-8181 (Accessible from
BSNL/MTNL landlines only) or
write to us at headwealthmanage
Expertise to back you
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Expertise to back you
page 21
Terms & Conditions
This document and the information contained herein are strictlyconfidential and are meant solely for the selected recipient to whom it
has been specifically made available by ICICI Bank Limited (“ICICI Bank”).This document may not be altered in any way, transmitted to, copied ordistributed, in part or in whole, to any other person or to the media orreproduced in any form, without prior written consent of ICICI Bank.
ICICI Bank is a banking company incorporated and regulated under IndianIaws and maintains its corporate office in Mumbai, India. This documentis given only by way of information and is subject to change withoutnotice. The information provided herein is not an offer or solicitationfor any application or subscription for deposits or any other products orservices and is not intended for distribution to, or use by, any person inany jurisdiction where such distribution or use would (by reason of thatperson’s nationality, residence or otherwise) be contrary to law or regulation
or would subject ICICI Bank or its affiliates to any licensing, registrationor other legal requirements. THE INFORMATION CONTAINED IN THISDOCUMENT IS NOT INTENDED TO NOR SHOULD IT BE CONSTRUED TOREPRESENT THAT IClCI BANK PROVIDES ANY PRODUCTS OR SERVICESIN ANY JURISDICTION WHERE IT IS NOT LICENSED OR REGISTERED ORAUTHORISED TO DO SO.
The products described in this document may not be protected againstsovereign risk including risks arising from any changes in applicable Indianor other relevant laws, represent speculative investments and may involvea high degree of risk. Investors’ capital may not be guaranteed in anyrespect and they could lose all or substantial portion of their investment.Please familiarise yourself with all the terms and conditions pertainingto the specific products and services prior to availing of it. ICICI Bank
is not acting as your advisor or in a fiduciary capacity in respect of theproducts and services referred to in this document, and accepts no liabilitynor responsibility whatsoever with respect to the use of this documentor its contents. Nothing in this document is intended to constitutelegal, tax, securities, or investment advice, or an opinion regarding theappropriateness of any investment, or a solicitation of any type. Thecontents in this document are intended for general information purposesonly and should not be acted upon without first obtaining specific legal,tax, and investment advice from a licensed professional concerning yourown situation and any specific investment questions you may have beforeentering into any financial transaction.
Any reference to service levels in this document are only indicative and
should not be construed to refer to any commitment by ICICI Bank or anyother service provider. Interest rates are only cited as examples of ratesthat may be in effect from time to time and are only indicative and aresubject to change at any time at the sole discretion of ICICI Bank or its
affiliates, as the case may be. The financial or other projections etc. setout in this document have been prepared based upon projections that
have been determined in good faith and from sources deemed reliable.There can be no assurance that such projections will be accurate. ICICIBank does not accept any responsibility for any errors whether causedby negligence or otherwise or for any loss or damage incurred by anyonein reliance on anything set out in this document. The information in thisdocument reflects prevailing conditions and our views as of this date, all ofwhich are expressed without any responsibility on our part and are subjectto change. In preparing this document, we have relied upon and assumed,without independent verification, the accuracy and completeness of allinformation available from public sources or which was provided to usor which was otherwise reviewed by us. Past performance cannot be aguide to future performance. No reliance may be placed for any purposewhatsoever on the information contained in this document or on its
completeness. The information set out herein may be subject to updating,completion, revision, verification and amendment and such informationmay change materially.
Any investment in any fund/securities etc described in this documentwill be accepted solely on the basis of the fund’s/securities’ OfferingMemorandum and the relevant issuing entity’s constitutional documents.Accordingly, this document should not form the basis of, and should notbe relied upon in connection with, any subsequent investment in the fund/security. To the extent that any statements are made in this document inrelation to the fund/security, they are qualified in their entirety by the termsof the Offering Memorandum and other related constitutive documentspertaining to the fund/ security, which must be reviewed prior to makingany decision to invest in the fund/security.
This document does not constitute an offer to sell or a solicitation of anoffer to sell any securities to any person in any jurisdiction. ICICI Bank,its affiliates and any of their licensers,directors, employees, or agentsshall not be held liable for any direct, indirect, incidental, special, orconsequential damages arising out of the use of information containedherein. Potential investors should request for relevant product informationbefore making any investment decisions as this document does not, andis not, a document that relates to any investment product.
The above mentioned is not a complete list of the risks and disclosures andother important disclosures may be involved in availing of the productsand services described herein.
The use of this document is subject to the terms and conditions specifiedherein and the users shall be deemed to have read, understood andconsented to these terms and conditions.
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Expertise to back youExpertise to back you
Contact us at
If you have any query related to any ICICI Bank product,
kindly call on our toll free number – 1800-22-8181.
Ahmedabad : 6630 9890
Andhra Pradesh : 98495 78000
Bangalore : 4113 1877
Bhubaneshwar : 99384 88000
Chandigarh : 505 5700
Chattisgarh : 98932 08000
Chennai : 4208 8000
Coimbatore : 435 8000
Cuttack : 99384 88000
Delhi : 4171 8000
Delhi (Mobile) : 98181 78000
Darjeeling : 99330 08000
Goa : 98904 78000
Gujarat : 98982 78000
Guwahati : 99541 08000
Haryana : 98961 78000
Himachal Pradesh : 98166 08000
Hyderabad : 2312 8000
Indore : 402 2005
Jamshedpur : 99340 08000
Karnataka : 98455 78000
Kerala : 98954 78000
Kochi : 98954 78000
Kolkata : 98313 78000
Lucknow : 99362 18000
Madhya Pradesh : 98932 08000
Maharashtra : 98904 78000
Mumbai : 2830 7777
Orissa : 99384 88000
Patna : 99340 08000
Pune : 98904 78000
Punjab : 98155 58000
Rajasthan : 98292 22292
Ranchi : 99340 08000
Siliguri : 99330 08000
Tamil Nadu : 98944 78000
UP East : 99362 18000
UP West : 98973 08000
Uttaranchal : 98973 08000
West Bengal : 99330 08000
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Expertise to back you