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Tools and Calculators

    Encash Bond

    Withdraw anytime after one year **
    OR
    12.1%* p.a. for  3 years
    OR
    10.50%* p.a. for one year

    Face Value                  : Rs. 5,000/-

    Redemption period       : 3 years

    Interest payment        :

    Year 1st 2nd 3rd
    Applicable rate of interest p.a. for respective years (%)*     10.50  12.50 13.50
    Annualised YTM for respective years (%)* 10.5   11.4    12.1

    * Subject to TDS as per then prevailing tax laws.

    ** Early encashment facility to all individual bondholders, at any of the Specified Branches of ICICI Bank Limited, any time after one year from the Deemed Date of Allotment till one month prior to Redemption Date.

    Tax Saving Bond Save tax under Section 88. Earn 12.00%** p.a. for 3 years (Option I)
    OR
    Invest up to Rs.70,000/- and Save tax under Section 88 (Option I & II)
    OR
    Save Capital Gains Tax u/s 54EA and Earn 12.00%** p.a. (Option III)
    OR
    Save Capital Gains Tax u/s 54EA with Monthly Income of 11.25%** p.a. (Option IV)

    Choose any of the following options :

    Option I II III IV V
    Tax Benefit under Section 88 88 54EA  54EA 54EA
    Issue Price (Rs.) 5,000/- 5,000/- 5,000/- 5,000/- 5,000/-
    Face  Value (Rs.) 5,000/- 7,225/- 5,000/- 5,000/- 7,225/-
    Redemption  Period 3 years 3 years 3 years 
    3 months
    3 years 3 years
    3 months
    Interest (%)** 12.00 DDB@
    (YTM 12.0%)
    12.00  11.25 DDB@
    (YTM 12.0%)
    Interest Payable Annually DDB@  Annually  Monthly  DDB@
    Minimum Application (Rs.) 5,000/-  5,000/-  5,000/-   15,000/-    5,000/-
    Yield to Investor (%)**
    (Including  Tax  Benefits)
    22.9 0.9 20*   40* 60* 80* 20* > 40* 60* 80* 20* 40* 60* 80*
    13.9 15.9 18.1>  20.4 13.8 16.0  18.3 20.7 13.6  15.2 17.0  18.9


    * Percentage of Capital Gains in amount invested (assuming the amount invested is equal to sales consideration).

    * *  Subject to TDS as per the then prevailing tax laws.

    @  Tax Saving Bond-Option II and V are in the form of a Deep Discount Bond (DDB), hence no annual interest is payable.

    • ICICI Bank would ensure full and firm allotment to all valid applicants for the Tax Saving Bond.
    • Incase of Option III, IV and V it has been assumed that tax on capital gain is 20%. Further, it has been assumed that a surcharge of 10% of tax is payable incase of all Options 

    Regular Income Bond

    12.25%* p.a. for 3 years (Option III)
    OR
    Monthly Income Plan : 11.50%* p.a. payable monthly for 3 years (Option I)

    Choose any of the following options:

    Option I> II III>
    Minimum Application (Rs.) 15,000/- 10,000/-   5,000/-
    Redemption  Period  (Years) 3 3
    Interest* (%) (p.a.) 11.50  11.75  12.25
    Interest Payable Monthly  Half-Yearly  Annually
    Yield to Investor (%)*  12.1 12.1 12.3

    * Subject to TDS as per the then prevailing tax laws.

    Money Multiplier Bond

    Rs. 6,000/- becomes Rs. 50,000/-* in 18 years 11 months
    OR
    Rs. 5,000/- becomes Rs. 7,075/-* in 3 years

    Choose any of the following options :

    Option I              —            Invest Rs. 5,000/- and receive Rs. 7,075/-* in 3 years

    Option II             —            Invest Rs. 6,000/- and receive Rs. 50,000/-*  in 18 years 11 months

    Annualized Yield to  Investor under various options:

    Option I II
    Yield to Investor  (%)*   12.3 11.9

    * Subject to TDS as per the then prevailing tax laws.

    • Encash Bond, Regular Income Bond and Money Multiplier Bond - Preference in allotment, up to 70 percent of the Issue size, after allotment to Tax Saving Bond, for applications up to a total of 50 Bonds (not including Tax Saving Bond) by Individuals, Minors & Kartas of HUFs.
    • Encash Bond, Regular Income Bond and Money Multiplier Bond - Preference in allotment up to 20 percent of the Issue size, after allotment to Tax Saving Bond, for applications by Trusts.


    12.25%* p.a. for 3 years (Option III)
    OR
    Monthly Income Plan : 11.50%* p.a. payable monthly for 3 years (Option I)

    Choose any of the following options:

    Option I II III
    Minimum Application (Rs.)  15,000/-  10,000/-    5,000/-
    Redemption  Period  (Years)  3
    Interest* (%) (p.a.) 11.50  11.75  12.25
    Interest Payable Monthly Half-Yearly    Annually
    Yield to Investor (%)* 12.1   12.1 12.3

     * Subject to TDS as per the then prevailing tax laws.


    Rs. 6,000/- becomes Rs. 50,000/-* in 18 years 11 months
    OR
    Rs. 5,000/- becomes Rs. 7,075/-* in 3 years

    Choose any of the following options :

    Option I              —            Invest Rs. 5,000/- and receive Rs. 7,075/-* in 3 years

    Option II             —            Invest Rs. 6,000/- and receive Rs. 50,000/-*  in 18 years 11 months

    Annualized Yield to  Investor under various options:

    Option I II
    Yield to Investor  (%)* 12.3  11.9

    * Subject to TDS as per the then prevailing tax laws.

    • Encash Bond, Regular Income Bond and Money Multiplier Bond - Preference in allotment, up to 70 percent of the Issue size, after allotment to Tax Saving Bond, for applications up to a total of 50 Bonds (not including Tax Saving Bond) by Individuals, Minors & Kartas of HUFs.
    • Encash Bond, Regular Income Bond and Money Multiplier Bond - Preference in allotment up to 20 percent of the Issue size, after allotment to Tax Saving Bond, for applications by Trusts.