A nte

dd re
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iti st
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Fixed Deposit
0.25%
Application form for Individual/NRI Individual NRI
(Refer website to download additional forms required for NRI)

"Loan Against Deposit may be availed from Company after 3 months

from the date of deposit, which would be given at the discretion of
ICICI Home Finance. This loan may be given for up to 75% of the AAA/Stable by CRISIL AAA/Stable by ICRA AAA/Stable by CARE
deposit amount, subject to the other terms and conditions as may be Highest Degree of Highest Degree of Highest Degree of
specified by the Company from time to time. Interest on such loans will Safety Safety Safety
be 2% above the deposit rate. This facility is not available for deposits
from minors and Non-Resident Indians (NRIs).

Special Deposit Scheme Rates for Public and other than Public Deposits Deposits for Senior Citizens
Effective December 1, 2024 Rate of interest: Rates applicable on the date of deposit plus
additional rate of 0.25% per annum for all deposit schemes.
Eligibility: Individuals who have completed 60 years of age
Tenure should be the first applicant/ depositor. One of the following
(In Months) documents must be submitted as a proof of age along with
the application form Self attested copy of passport, Voter's
ID card, Pan card. Aadhar card, Driving Licences, Secondary
39 7.80% 8.51% 7.55% 7.60% 7.80% School Leaving Certificate, Life Insurance Policy, Birth
Certificate issued by the competent authority or any other
document acceptable to ICICI Home Finance Company Ltd.
45 7.80% 8.68% 7.55% 7.60% 7.80%

0.25% additional interest for senior citizen and ICICI Group employees for public deposits Please refer clause 5 of Terms & Conditions for
Please refer clause
Premature 5 of
Withdrawal
Terms & Conditions for
** In case of cumulative deposit, interest is compounded before deduction of Tax
Deposits canPremature Withdrawal
be placed for any number of months between 12
& 60. For detailed information on interest rates offered, please
visit our website www.icicihfc.com - Fixed Deposit Section.
Base Scheme Rates for Public and other than Public Deposits "Interest Rates Are Subject To Change At The Sole Discretion
Of ICICI Home Finance Company Ltd. And As Prescribed
Effective December 1, 2024
Under The Applicable Laws And The Rate Applicable Will Be
The Rate Prevalent On The Date Of Deposit"
In case of renewal, amount of FD can be minimum of ₹10,000
and any additional amount should be in multiples of ₹1/-

>=12 to <24 7.25% 7.25% 7.00% 7.05% 7.25%

Minimum Deposit Amount
>=24 to <36 7.65% 7.94% 7.40% 7.45% 7.65%
Individual can deposit a Minimum of ₹10,000/- under Annual
>=36 to <48 7.75% 8.37% 7.50% 7.55% 7.75% / Cumulative income plan, ₹20,000/- under Quarterly income
plan and ₹40,000/- under Monthly income plan with the
>=48 to <=60 7.75% 8.70% 7.50% 7.55% 7.75% maximum limit on the number or amount of deposit(s).

0.25% additional interest for senior citizen and ICICI Group employees for public deposits
KYC Compliance
**The yield mentioned is calculated using the first month of each tenure grid & in case of cumulative deposit,
interest is compounded before deduction of tax. Know Your Customer (KYC) Directions 2016, Reserve Bank of
India are applicable to Housing finance Companies.
For deposits >= ₹30.0 million, rates would be offered by Treasury on a case to case basis.
For more details, please contact 18602674455
(between 9.30 am. to 6.30 pm Monday to Saturday). Resident
Indians can also apply online www.icicihfc.com

Payment Instruction: Cheque/Demand Draft should be drawn

in favour of "ICICI Home Fin-FD A/c" and marked "Account
Payee only". The application form number & name of the
applicant should be mentioned on the reverse side of the
Cheque/Demand Draft.

Page 1 of 11
NOTE: Brokers are not permitted to accept cash with the Application Form. Brokers are not permitted to issue a receipt. The Company will in no way
be responsible for such or other wrong tenders

PAN No.

PAN No.

PAN No.

PAN No.

ICICI HFC Deposit Receipt No. (in case of renewal):

Renew only Principal amount Renew Principal and Interest amount

Tenure:
Income Plans:

5 Senior Citizen (above 60 years)

Yes No

6
- signature of all depositors mandatory. - the customer hereby consents and acknowledges that either of the joint FD holder may provide instructions for Account Operation.
- signature of all depositors mandatory. - the customer hereby consents and acknowledges that only the primary account holder may provide instructions for Account Operation.

8. REPAYMENT ACCOUNT DETAILS OF PRIMARY HOLDER

*We shall treat this as a consent for repayment of interest/principal amount in secondary holders’ bank account in case the repayment fails in primary holder account.
Page 2 of 11
 Share %

Share %

Share %

Page 3 of 11
 11. CURRENT ADDRESS (IN BLOCK LETTERS)

Mobile No. E-mail Id

Preferred mailing address: Current Address Permanent address

CATEGORY LIST OF DOCUMENTS TO BE SUBMITTED FOR KYC COMPLIANCE

Identity Proof
Individuals Legal • Passport
Name And Any • Driving License issued by Regional Transport Authority
• Voter ID
Other Names Used • Job card issued by NREGA signed by State Government Officer
(Any One For • Letter from National Population Register
• Proof of possession of complete Aadhaar number
Identity Proof And
Any One For
Address proof
Current Address • Passport
Proof) • Driving License issued by Regional Transport authority
• Voter ID
• Job card issued by NREGA signed by State Government Officer
• Letter from National Population Register
• Proof of possession of complete Aadhaar number

PAN or Form 60 as per policy

Deemed OVD:

When OVD does not have updated address, client can submit any one of the below alternatives for the limited purpose of address proof:
• Utility bill which is not more than two months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill);
• Property or Municipal tax receipt;
• Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, if they
contain the address
• Letter of allotment of accommodation from employer issued by State Government or Central Government Departments, statutory or regulatory bodies,
public sector undertakings, scheduled commercial banks, financial institutions and listed companies and leave and licence agreements with such
employers allotting official accommodation.

Page 4 of 11
Page 4
5 of 11
The Company shall, at its discretion, accept Fixed Deposits, under the ICICI Home Finance Fixed Deposit For premature withdrawals of deposits, the duly discharged FDR with revenue stamp of requisite
Scheme (the ‘Scheme’) subject to the below mentioned terms and conditions. These deposits solicited by value must be surrendered to the Company. Premature withdrawal of single/ jointly held fixed
the Company are not insured. deposit shall be processed only after such request is signed by all depositors along with FDR duly
discharged. -
1) MODE OF ACCEPTANCE:
6) TAX DEDUCTION AT SOURCE (TDS):
a. RTGS/NEFT/FT:
In accordance with and as per the provisions of section 194A of the Income Tax Act, 1961 (The Act),
Particulars Remittance from any Bank Account tax at source would be deducted if interest credited/paid or likely to be credited/paid to resident
depositor(s) during the financial year exceeds ₹5,000/- on consolidated amount in case of multiple
fixed deposit are placed by the customer. This exemption is not applicable for non-resident
depositors where tax at source is deducted under section 195 of the Act. As per section 206AA of the
Income Tax Act, 1961 w.e.f. April 1, 2010 applicable to all residents and non-residents FD
depositor(s), a valid PAN (Permanent Account Number) is mandatory where tax is deductible at
Effective Deposit Date: Date of realization of Cheque/DD/Credit of Funds in the Company’s account source. In case of individual depositors, PAN should be linked to Aadhaar as per requirement of
section 139AA of the Income Tax Act, 1961. Form 15G/H and Form 60 should not be accepted in case
b. Cheque/Demand Draft (DD): Cheque/DD should be drawn in favor of ‘ICICI Home Fin - FD A/c’ and where PAN and Aadhaar is not linked. In case of invalid or inoperative PAN (due to non-linking of
marked ‘Account Payee only’. The name of the applicant (‘Applicant’) should be mentioned on the reverse PAN-Aadhaar) TDS at the higher rate of 20% shall be deductible and will not be reversed once
of the Cheque/DD. Single and separate Cheque/DD should accompany each application. deducted and paid to the Government.

c. Payment Gateway: In case applying for Online Fixed Deposit through our website (www.icicih- In accordance with section 206AB of the Act effective July 1, 2021, if any depositor for which tax is
fc.com), the payment will be required to be done through net banking. A payment gateway for the same deductible under section 194A of the Act has not filed its income tax return for the previous year
is available on the website. preceding the current financial year in which tax is deductible, and aggregate tax deducted/collected
in the depositor’s case is ₹50,000/- or more in the said previous year, then tax shall be deductible at
d. Alternatively, payment can also be through (i) NEFT/RTGS/Fund Transfer, (ii) Debit Card, (iii) Unified higher of the following rates:
Payments Interface(BHIM-UPI), (iv) Unified Payments Interface Quick Response Code (UPI QR Code)
(BHIM-UPI QR Code) • Twice the specified rate as per section 194A i.e. 20%; or
• Twice the rates in force; or
2) SUBMISSION OF APPLICATION FORMS: • 5%
If the provision of section 206AA (Where assesse is not having PAN) of the Act is applicable to a
Duly completed Fixed Deposit application form, KYC form, documents as per policy of the Company and specified person, in addition to the provision of this section, the tax shall be deducted at higher of the
Cheque/DD, if any, need to be delivered to the local/nearest branch/corporate office of the Company. two rates.
3) INTEREST PAYMENTS:
The default tax regime for resident individuals shall be the new tax regime. Form 15G can be submitted
Interest will be payable on the deposit from the effective deposit date, subject to realization of by individuals below 60 years of age/ HUFs/ Trusts in case the declared total taxable income is less
Cheque/DD/Credit of Funds in the Company’s account. Interest on deposits placed under Monthly Income than or equal to ₹3,00,000/- for concerned financial year. Form 15H can be submitted by resident
Plan, Quarterly Income Plan and Annual Income Plan shall be paid on fixed dates as given below: individuals who are of the age 60 years or more if declared total taxable income is less than or equal
to ₹7,00,000/- for concerned financial year.

Further, details in this regard are provided in the application form.

Additional Terms & Conditions

Under the Cumulative Income Plan, interest will be compounded annually and accrued every year on 1) JOINT DEPOSITS:
March 31 after deducting tax, wherever applicable. The accumulated interest will be paid on maturity
amount & shall not exceed the total maturity amount as calculated on a year on year basis of Deposits can be made in joint names with a maximum of three persons. The names and address of
compounding. all the depositors will be entered in the ledger and register of depositor(s). The interest on deposits in
joint names will be paid to the first depositor for the purpose of deduction of tax at source and any
Please note that all payments for part periods shall be made on pro-rata basis. If a deposit is made discharge given by him/her will be binding on the joint depositor(s).
within a period of 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. 2) DEPOSIT IN THE NAME OF A MINOR:

Payment of interest will be made to applicants/depositors primarily through ECS/NEFT/RTGS where Deposits in the name of a minor will be accepted provided such minor is represented by his/her
ECS/NEFT/RTGS facility is available. Where ECS/NEFT/RTGS facility is not available, payments will be in natural or legal guardian and the Application Form for the deposit is signed by the natural/legal
the form of Cheque/DD/any other mode as the Company may deem fit and would be in favor of the guardian, on behalf of the minor. All communication in relation to the deposit will be addressed to
Sole/First applicant/ depositor marked “A/c Payee only”. Direct Credit option may be used if the first/sole such natural/legal guardian.
holder has an account with ICICI Bank Limited.
3) NOMINATION:
In case the first applicant/depositor is a minor, all payments will be in the name of minor along with the
natural/legal guardian. In all cases where interest has to be paid to any person other than the Sole/First The Applicant(s)/Depositor(s), whether individually or jointly, can make only one nomination for each
Applicant/Depositor (refer Terms & Conditions applicable on joint deposits and succession on application deposit. Holder of Power of Attorney or a guardian applying on behalf of a minor cannot nominate.
form), all post-dated unencashed interest instruments(s) in the name of the Sole/First Applicant/Deposi- Applicant(s)/Depositor(s) are advised to provide the specimen signature of the nominee to expedite
tor, if any, would have to be surrendered to the Company. the transmission of the Deposit(s) to the nominee in the event of demise of the Applicant(s)/Deposi-
tor(s). Name of the nominee shall be given on the deposit receipt, unless mentioned otherwise.
4) RENEWAL/REPAYMENT OF DEPOSIT:
4) LOAN AGAINST DEPOSITS:
a. For renewal or repayment of deposit, the discharged deposit receipt must be surrendered to ICICI
Home Finance Co. Ltd. In case of renewal, the deposit may be renewed on maturity on such terms and Loan against Deposit may be availed from the Company after 3 months from the date of deposit,
conditions of the scheme as applicable on the maturity date of the old deposit. which would be given solely at the discretion of the Company. The FD will be lien marked and loan
b. The deposit can be renewed either by selecting auto renewal of principal/renew principal & interest may be given up to 75% of the deposit amount, subject to the other terms and conditions as may be
by giving an explicit consent in this regard at the time of application. specified by the Company from time to time. Interest on such loans will be 2% above the deposit rate.
c. The depositor can instruct to pay principal & interest, in entirety, to his/her designated bank account This facility is not available for deposits from minors and Non-Resident Indians (NRIs).
by giving an explicit consent in this regard at the time of application.
d. In the case of renewal of deposit in joint names, application form should be signed as per the mode 5) NON-RESIDENT INDIANS (NRIs):
of operation as mentioned in the application form.
e. Deposits will automatically expire on maturity unless specified otherwise and the maturity proceed Deposits from NRIs and Persons of Indian Origin resident outside India would be accepted in
will be remitted to the designated bank account. No interest will accrue thereafter on such deposits accordance with regulations governing the acceptance of deposits from NRIs. Deposits would be
unless the deposits are renewed as per terms noted under Renewal of Deposit. accepted for a maximum period of 3 years. Payment of interest as also the repayment of deposit
f. The Company will send intimation letters with regard to the details of the maturity of the deposit at shall be made only by credit to NRO (Non-Resident Ordinary) Account. Income tax at source will be
least 14 days before the date of maturity of the deposit. You may modify maturity instructions by giving deducted as applicable to non-residents.
a request letter at least 7 working days prior to the maturity date or any other mode as approved by the
Company. 6) SUCCESSION:
g. All redemption payments will be in the form of ECS/NEFT/RTGS/Cheque/DD/ any other mode as the
Company may deem fit and would be in favor of the Sole/First depositor marked “A/c Payee only”. In Where a nomination has not been made or the nominee predeceases the applicant(s)/depositor(s),
case the first applicant/depositor is a minor, all payments will be in the name of minor along with the the provisions of this paragraph will apply. In the event of the demise of the sole/all holder(s) of the
natural/legal guardian. Fixed Deposit, the Company will recognize the executor or administrators of the deceased
applicants/depositors, or holder of Succession Certificate or any other legal representative as the
5) PREMATURE WITHDRAWAL OF THE DEPOSIT: holder of the title to the Fixed Deposits. The Company shall not be bound to recognize such executor
or administrator unless such executor or administrator obtains Probate or Letter of Administration or
As per the Housing Finance Company (Reserve Bank) Directions, 2021, no premature withdrawal is Succession Certificate or other legal representation, as the case may be, from an appropriate court in
allowed for a period of first 3 months from the date of deposit subject to regulatory conditions. In case of India. The Company at its absolute discretion, may in any case, dispense with the production of
premature withdrawal, the following rates shall apply: Probate or Letter of Administration or Succession Certificate or other legal representation.

1 7) FIXED DEPOSIT RECEIPT (FDR):

Maximum interest payable shall be the minimum savings
bank interest rate offered by ICICI Bank (not exceeding 4% a) The FDRs shall be sent to the first applicant/depositor given in the application form, in the form of
p.a.) for Individual depositors and “No Interest” in case of soft copy via SMS link and a hard copy shall be subsequently forwarded to the address as mentioned
any other category of depositors in the application form, by registered post or courier or in any other manner that the Company may
deem fit after realization of Cheque/DD/Credit of funds in Company's account.
The interest payable shall be 1% lower than the interest b) Fixed Deposit Receipts are non-transferable & not negotiable. It cannot be assigned, transferred,
rate applicable to a public deposit for the period for pledged or given as security for any loan/ credit facility in favor of any party except ICICI Home
which the deposit has run or if no rate has been specified Finance.
for that period, then 2% lower than the minimum rate at
1. From the date of deposit which the public deposits are accepted by the Company 8) WAIVER:

In the event of death of the depositor, premature termination of fixed deposit would be allowed; such No failure or delay by the Company in exercising any right, power or privilege hereunder shall
premature withdrawal would not attract any penal charge. For other deposits, premature operate as a waiver thereof nor shall any single or partial exercise of any other right, power or
withdrawal is permitted within 3 months to meet certain expenses of an emergent nature including privilege. The rights and remedies of the Company as stated herein shall be cumulative and not
critical illness subject to regulatory conditions (for more details on critical illness, visit www.icicih exclusive of any rights or remedies provided by law.
fc.com/fixed-deposit/ to refer Point no 12 of FAQ’s).

Page 5
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9) INDEMNITY: b) In the event of loss, destruction or mutilation of the fixed deposit receipt, interest or refund
Cheque/DD, the Company may issue a duplicate fixed deposit receipt, interest or refund Cheque/DD,
a) The Applicant hereby agrees that the Applicant shall, at his/its own expense, indemnify, defend subject to non-encashment of the original instrument, upon receipt from the depositor of an
and hold harmless the Company from and against any and all liability any other loss that may occur, indemnity in the prescribed form to its satisfaction and after compliance with such other
arising from or relating to the operation of fixed deposit or breach, nonperformance or inadequate formalities/documents as may be required by the Company.
performance by the Applicant of any of these terms or the acts, errors, representations, misrepresen-
tations, misconduct or negligence of the Applicant in performance of its obligations. 13) PARTICULARS TO BE SPECIFIED UNDER PARAGRAPH 35 OF THE NON-BANKING FINANCIAL
b) Under no circumstances shall the Company be liable to the Applicant for any indirect, COMPANY - HOUSING FINANCE COMPANY (RESERVE BANK) DIRECTIONS, 2021:
incidental, consequential, special or exemplary damages in connection with the services.
c) The Applicant shall solely be responsible for ensuring full compliance with all the applicable laws a) In Case of any deficiency of the company is servicing its deposits, the depositors may approach
and regulations in the relevant jurisdiction in connection with the fixed deposits with the Company NHB, National Consumers Disputes Redressal Forum, the State Level Consumers Disputes Redressal
and shall indemnify and keep indemnified ICICI Home Finance from all actions, proceedings, claims, Forum or the District Level Consumers Dispute Redressal Forum for relief.
losses, damages, costs and expenses (including legal costs on a solicitor and client basis) which may b) In case of non-repayment of the deposit or part thereof in accordance with the terms and
be brought against or suffered or incurred by ICICI Home Finance in connection with any failure to conditions of the deposit, the applicant/depositor may make an application to the authorized officer
comply with any such applicable laws/regulations. of the National Housing Bank.
d) The indemnities as aforesaid shall continue notwithstanding the termination of the fixed deposit. c) The financial position of the Company as disclosed and the representations made in the
application form are true and correct. Further the Company and its Board of Directors are
10) TAX BENEFITS: responsible for the correctness and veracity thereof.
d) The Company is within the regulatory framework of the Reserve Bank of India. It must, however,
There is no specific tax benefit available on this Fixed Deposit under the prevailing provisions of the be distinctly understood that Reserve Bank of India or National Housing Bank does not undertake
Income Tax Act,1961. any responsibility for the financial soundness of the Company or for the correctness of any of the
statements or the representations made or opinions expressed by the Company, and for repayment
11) BROKERAGE: of deposit/ discharge of liabilities by the Company.

Empaneled brokers are eligible for brokerage/commission on the amount of Fixed Deposits mobilized 14) GENERAL:
by them as prescribed for this scheme.
a) The Company reserves the right to reject any application for deposit or renewal of deposit
12) LOSS, DESTRUCTION, ETC. OF DOCUMENT: without assigning any reason thereof
b) Interest Rates are subject to change and the rate applicable will be the rate prevalent as on the
a) Fixed Deposit Receipts, interest and refund Cheques/DDs may be sent by registered post or date of Deposit.
courier or in any other manner that the Company may deem fit, at the address of the sole/first c) The terms and conditions mentioned herein are to be read in conjunction with and in addition to
applicant/depositor given in the application form. The Company will not be responsible for any loss all other terms and conditions as specified in the relevant application form.
or delay in transit due to postal/courier services or any circumstances beyond its control. d) The Company has the right to change, amend, add or delete any of the terms and conditions
governing the fixed deposit and it shall give notice of the same to the applicant/depositor, in
accordance with the applicable guidelines. Disputes, if any, arising in connection with the fixed
deposit scheme, will be subject to the jurisdiction of Courts and Tribunals of Mumbai.

Branch State Branch State Branch State Branch State Branch State Branch State
Bhimavaram Andhra Pradesh Eluru Andhra Pradesh Kollam Kerala Kottayam Kerala Ajmer Rajasthan Alwar Rajasthan
Gunturt Andhra Pradesh Kakinada Andhra Pradesh Kozhikode (Calicut) Kerala Palakkad Kerala Bhilwara Rajasthan Bikaner Rajasthan
Kurnool Andhra Pradesh Machilipatnam Andhra Pradesh Thiruvananthapuram Kerala Thrissur Kerala Chittorgarh Rajasthan Chomu Rajasthan
Nellore Andhra Pradesh Ongole Andhra Pradesh Ashta Madhya Pradesh Bhopal Madhya Pradesh Dausa Rajasthan Jagatpura Rajasthan
Rajahmundry Andhra Pradesh Tirupati Andhra Pradesh Dewas Madhya Pradesh Dhar Madhya Pradesh Japiur Rajasthan Jaipur – Main Rajasthan
Tirupati Andhra Pradesh Vijayawada Andhra Pradesh Guna Madhya Pradesh Gwalior Madhya Pradesh Jodhpur Rajasthan Kalwar Road Rajasthan
Visakhapatnam Andhra Pradesh Patna Bihar Indore - Navlakha Madhya Pradesh Indore Main - MG road Madhya Pradesh Kota Rajasthan Kotputli Rajasthan
Tirupati Andhra Pradesh Karnal Haryana Indore Vijaynagar Madhya Pradesh Jabalpur Madhya Pradesh Pali Rajasthan Sikar Rajasthan
Chandigarh Chandigarh Bilaspur Chhattisgarh Mandsaur Madhya Pradesh Pithampur Madhya Pradesh Sri Ganganagar Rajasthan Tonk Rajasthan
Durg Chhattisgarh Raipur Chhattisgarh Ratlam Madhya Pradesh Sagar Madhya Pradesh Udaipur Rajasthan Vidyadhar nagar Rajasthan
Central Delhi - Karol Bagh Delhi East Delhi – Laxmi Nagar Delhi Satna Madhya Pradesh Ujjain Madhya Pradesh Chennai – Annanagar Tamil Nadu Chennai - T Nagar Tamil Nadu
North Delhi – Pitampura Delhi West Delhi – Janakpuri Delhi Vidisha Madhya Pradesh Ahmednagar Maharashtra Chennai - Tambaram Tamil Nadu Coimbatore Tamil Nadu
Lajpat Nagar New Delhi New Delhi- Dwarka New Delhi Akola Maharashtra Amravati Maharashtra Hosur Tamil Nadut Madurai Tamil Nadu
Ahmedabad – Nikol Gujarat Ahmedabad – West Karnataka Andheri HFC Tower Maharashtra Aurangabad Maharashtra Nagercoil Tamil Naduh Salem Tamil Nadu
Anand Gujarat Bharuch Karnataka Badlapur Maharashtra Baramati Maharashtra Tenkasi Tamil Nadu Tirunelveli Tamil Nadu
Bhavnagar Gujarat Bopal Karnataka Boisar Maharashtra Buldhana Maharashtra Tiruppur Tamil Nadu Trichy Tamil Nadu
Chandkheda Gujarat Gandhidham Gujarat Chandrapur Maharashtra Dhule Maharashtra Tuticorin Tamil Nadu Vellore Tamil Nadu
Himmatnagar Gujarat Junagadh Gujarat Dombivali Maharashtra Jalgaon Maharashtra Ameerpet Telangana Ameerpet NDMA Telangana
Mehsana Gujarat Modasa Gujarat Kharadi Maharashtra Kolhapur Maharashtra ECIL Hyderabad Telangana Hyderabad - Dilsukhnagar Telangana
Morbi Gujarat Narol Gujarat Latur Maharashtra Mira Road Maharashtra Hyderabad - Kukatpally Telangana Hyderabad – Punjagutta Telangana
Palanpur Gujarat Patan Gujarat Borivali Maharashtra Nagpur Maharashtra Hyderabad - Secunderabad Telangana Khammam Telangana
Rajkot Gujarat Surat Gujarat Nagpur Wardha Road Maharashtra Nanded Maharashtra RC Puram Telangana Secunderabad OPS Telangana
Surendranagar Gujarat Vadodara Gujarat Nashik Maharashtra Nashik Road Maharashtra Warangal Telangana Agra Uttar Pradesh
Vapi Gujarat Ambala Haryana Panvel Maharashtra Pune Wakad Maharashtra Prayagraj Uttar Pradesh Barabanki Uttar Pradesh
Faridabad Haryana Gurgaon – Sohna Road Haryana Pune Main Maharashtra Ratnagiri Maharashtra Bareilly Uttar Pradesh Bijnor Uttar Pradesh
Gurgaon 1 - Sec 29 Haryana HISSAR Haryana Sangli Maharashtra Satara Maharashtra Ghaziabad (Kaushambi) Uttar Pradesh Gorakhpur Uttar Pradesh
Karnal Haryana Panchkula Haryana Solapur Maharashtra Thane Maharashtra Jankipuram Uttar Pradesh Jhansi Uttar Pradesh
Panipat Haryana Rohtak Haryana Vasai Maharashtra Vashi Maharashtra Kanpur Uttar Pradesh Lucknow Uttar Pradesh
Sonepat Haryana Yamunanagar Haryana Bhubaneswar Orissa Puducherry Puducherry Lucknow-South Uttar Pradesh Mathura Uttar Pradesh
Jamshedpur Jharkhand Ranchi Jharkhand Amritsar Punjab Bhatinda Punjab Meerut Uttar Pradesh Moradabad Uttar Pradesh
Kengeri Karnataka Marathahalli Karnataka Ferozpur Punjab Jalandhar Punjab Noida Uttar Pradesh Pilibhit Uttar Pradesh
Bangalore - JP Nagar (REL) Karnataka Bangalore - Sahakar Na-gar Karnataka Kharar Punjab Ludhiana Punjab Raebareli Uttar Pradesh Saharanpur Uttar Pradesh
Bangalore Yeshwantpur –NDMA Karnataka Bangalore-JPNagar Karnataka Pathankot Punjab Patiala Punjab Varanasi Uttar Pradesh Central Dehradun Uttarakhand
Bangalore-Koramangala Karnataka Bangalore-Yeshwantpur Karnataka Dehradun Uttarakhand Haldwani Uttarakhand
Haridwar Uttarakhand Kashipur Uttarakhand
Roorkee Uttarakhand Rudrapur Uttarakhand
Vikasnagar Uttarakhand Kolkata-AJCBoseRoad West Bengal
Kolkata-Suburban Howrah West Bengal Siliguri West Bengal

Page 7
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 Fixed Deposit
PARTICULARS AS REQUIRED UNDER NON-BANKING FINANCIAL COMPANIES AND MISCELLANEOUS NON-BANKING COMPANIES (ADVERTISEMENT) RULES, 1977
a) Name of the Company: ICICI Home Finance Company Limited.
b) Date of Incorporation: May 28, 1999
c) (i) Business carried on by the Company: The primary business of the company is to provide a range of home loans and home improvement loans, office premises loans, home equity loans,
loan against property to customers and construction finance to developers. It also offers services related to these loans like home and commercial property search in select cities. The Company
does not have a subsidiary company.
(ii) Branch : Refer page no. 11
For any details or queries, you can contact us at 18002674455 or Email us at
customer.care@icicihfc.com.
If you are not satisfied with the resolution, please write us at nodal.office@icicihfc.com or AT MARCH 31, 2024 AT MARCH 31, 2023
022-66493844. 357.5 417.4

d) Brief particulars of the management of the Company:

36.0 34.0
The Board of Directors of the Company has the ultimate responsibility for the management of
its business. Mr. Rakesh Jha is the Non-Executive Director Chairman of the Board. Ms. Vineeta
Rajadhyaksha, Managing Director & CEO has the overall responsibility for the business of the
h) Information relating to aggregate dues (including the non-fund base facilities provided
Company.
to) from companies in the same group or other entities or business ventures in which, the
directors and/or the HFC are holding substantial interest and the total amount of exposure
to such entities:
NAME : RAKESH JHA
OCCUPATION : SERVICE
ADDRESS : ICICI BANK TOWERS, BANDRA-KURLA COMPLEX, MUMBAI 400 051
Fund based at Non-fund based
Facility March 31, 2024 March 31, 2024
NAME : ATUL ARORA
OCCUPATION : SERVICE
ADDRESS : ICICI BANK TOWERS, BANDRA-KURLA COMPLEX, MUMBAI 400 051 Total exposure to group companies
in which directors and/or the
NAME : SANDHYA GADKARI SHARMA Company has substantial interest
OCCUPATION : SERVICE
ADDRESS : B-206, ASHOK TOWER, DR. AMBEDKAR ROAD, PAREL, MUMBAI 400 012 Total exposure from group
companies in which directors and/or 3,076.4
NAME : S. SANTHANAKRISHNAN
OCCUPATION : SERVICE the Company has substantial
ADDRESS : NEW NO. 24, UNNAMALAI AMMAL STREET, T NAGAR, CHENNAI 600 017 interest

NAME : G GOPALAKRISHNA
OCCUPATION : RETIRED EXECUTIVE i) In terms of RBI Directions, 2021, the Company can borrow up to twelve times of the net
ADDRESS :B 301 – 302, LADY RATAN TOWER, DANIK SHIVNER MARG, GANDHINAGAR, owned funds, on or after March 31, 2024, i.e. ₹ 307,050.0 million (NOF at March 31, 2024 stands
WORLI MUMBAI – 400018 at ₹ 25,587.5 million), out of which, not more than three times the net owned funds can be by
way of public deposits, i.e. ₹76,762.5 million. At March 31, 2024, the aggregate public deposits
NAME : VINEETA RAJADHYAKSHA held by the Company was ₹23,025.0 million. There are no overdue deposits other than
OCCUPATION : SERVICE
ADDRESS : ICICI HFC TOWERS, ANDHERI-KURLA ROAD, MUMBAI 400 059 unclaimed deposits.

j) The Company has not made any default in repayment of deposit including interest to any
f) Profits & Dividends: depositor including small depositor during FY2024

k) We declare that: (1) the Company has complied with the provisions of the Directions
1
applicable to it, (2) the compliance with the Directions does not imply that repayment of
March 2024 7,384.5 5,723.2 5.0% deposits is guaranteed by the Reserve Bank of India and the National Housing Bank; and (3) the
deposits accepted by the Company are unsecured and rank pari passu with other unsecured
March 2023 7,384.5 3,018.2 2.5% liabilities of the Company.
March 2022 2,122.3 1,641.7 1.5%
The Company is having a valid Certificate of Registration dated 31-07-2001 issued under
1. Including final dividend, proposed as at the end of the respective financial year. Section 29A of the National Housing Bank Act, 1987. However, the Reserve Bank of India or the
National Housing Bank does not accept any responsibility or guarantee about the present
g) SUMMARIZED FINANCIAL POSITION OF THE COMPANY AS APPEARING position as to the financial soundness of the Company or for the correctness of any of the
statements or representations made or opinion expressed by the Company and for repayment
IN THE LATEST AUDITED BALANCE SHEETS: of deposits/discharge of liabilities by the Company.
LIABILITIES # AT MARCH 31, 2024 AT MARCH 31, 2023
SHARE CAPITAL 12,035.3 12,035.3 The above text has been approved by the Board of Directors at its meeting held on April 20,
16,034.3 2024 and is being issued on authority and in the name of the Board of Directors of the
RESERVES & SURPLUS 21,847.1
Company. A copy of the text of advertisement signed by majority of Directors of the Company
NON CURRENT LIABILITIES 136,090.5 109,626.3 has been filed with the National Housing Bank.
SECURED BORROWINGS 102,449.8 81,640.8
UNSECURED BORROWINGS 33,163.4 27,823.7
OTHERS 477.3 161.8
CURRENT LIABILITIES 67,749.5 51,122.5
SECURED BORROWINGS 37,052.8 19,273.5
UNSECURED BORROWINGS 15,585.3 19,880.2
OTHERS 15,111.4 11,968.8
DEFERRED TAX LIABILITIES (NET) 912.0 565.3 Date: April 20, 2024
PROVISIONS 252.5 65.0 Place: Mumbai
174.3 41.9 Priyanka Shetty
SHORT TERM
Company Secretary
LONG TERM 78.2 23.1
TOTAL 238,886.9 189,448.7

ASSETS # AT MARCH 31, 2024 AT MARCH 31, 2023

FIXED ASSETS1 1,729.7 1,387.2
INVESTMENTS 3,298.4 4,991.6
DEFERRED TAX ASSETS
LOANS 225,217.9 175,436.2
CURRENT ASSETS & OTHER LOANS 8,640.9 7,633.7
& ADVANCES
MISC. EXPENSES (TO THE EXTENT NOT
WRITTEN OFF)
TOTAL 238,886.9 189,448.7
1 Fixed assets include intangible assets.
#Previous year figures have been regrouped/reclassified, wherever necessary, to correspond with
current year classifications/disclosures.

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