Financial Planning Solutions for New Parents

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Budgeting Guide for New Parents

Planning for family’s goals means thinking about their medical expenses, buying a bigger house or car, insurance planning and other such financial planning.

Leave the thinking to us while you focus on the bundle of joy entering your life.

Insta Save Account

Open your bank account online within 4 minutes with our digital KYC process. Keep your Aadhaar Card handy before you proceed.

Reward points on spends
Exciting offers on shopping
Bank anywhere on iMobile Pay

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Family Banking

Flexibility of maintaining the required minimum MAB in any one (or more) of the accounts that members of the family hold with ICICI Bank

Enjoy moments of togetherness: A single 'Family' bank to cater to all the banking needs of your family
Superior account benefits and privileges to all family members

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FD Life

FD Life offers the benefits of returns and security of Fixed Deposit and the protection of a Life Cover.

The life cover will be available on FDs opened for a minimum value of Rs.3 lakh
The life cover will be available on FDs opened within a period of minimum 2 years

Open FD Life Know more

iWish flexible RD

Thinking about your child’s future? Save for your family future with regular savings in iWish flexible RD.

Flexible contribution
Stable returns similar to RD

Open iWish Know more

Home Loan

Your changing family situation may require a bigger space. Avail of a Home Loan and welcome your child into a new house.

Instant approval available
Tenure up to 30 years

Apply Now Know more

Credit Card

Get a range of benefits as per your needs with our Credit Cards. Apply online for instant approval.

Discounts on shopping, dining
Add-on cards available

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Personal Loan

Whether it’s an urgent medical expense, or home repair and renovation, get Personal Loans up to Rs 20 lakh.

Offers instant approval
Disbursement within 3 seconds

Apply Now Know more

Car Loan

It’s time to upgrade your car or buy one with more safety features. Get a pre-approved Car Loan with 100% of on-road finance.

Tenure up to 7 years
Instant processing / approval

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Gold Loan

Get your gold to our branch and avail of an instant Gold Loan of Rs 10,000 to Rs 1 crore. The gold is stored safely in a vault.

It is a 3 to 12 months loan
Attractive interest rates applicable

Apply Now Know more

Auto Debit

Pay your Credit Card bills automatically with auto debit. It offers the flexibility to pay the entire bill or the minimum amount.

Set up auto debit on ICICI Bank Internet Banking
No additional charges are applicable

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Travel Card

Get yourself a multi-currency travel card and save hassle of carrying foreign currency and currency fluctuations.

Available in 15 currencies
Joining benefits and rewards

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Cardless Cash Withdrawal

Withdraw cash from ATM without Debit Card. Just log in to iMobile Pay, get the 4-digit and 6-digit PIN and use at ATM

24x7 service
Network of 10,000+ ATMS

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Expressions Debit Card

Personalise your Debit Card with 200+ designs to choose from. Comes with no surcharge on fuel and Reward points

Joining benefits
Exclusive dining offers
Complimentary lounge access

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WhatsApp Banking

Add 8640086400 to your contacts and message Hi from your registered mobile number to initiate secure WhatsApp Banking.

Get account balance
Know last 3 transactions

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Life Insurance

New beginnings lead to new responsibilities. Take charge and protect your family's future with Life Insurance.

Option to get extra cover against accidental death
Flexible options to customise your plan
Over 3 crore lives secured

Apply Now Know more

Health Insurance

Life can sometimes take unexpected turns. Having a Health Insurance plan will help you being prepared for it.

Premium starting at Rs 11 per day for cover options ranging from 5 to 25 lakh
Cover expenses beyond hospitalisation; pre & post hospitalisation, day care procedures, alternate treatments etc.
Cashless hospitalisation at 4500+ network hospitals

Apply Now Know more

Health Top Up

Have you ever thought that your existing Health Insurance might not be enough?

Premium starting at Rs 7 per day for cover options up to Rs 50 lakh
Deductible options of Rs 3,4,5 lakh
No waiting period for declared and accepted pre-existing diseases

Apply Now Know more

Home Content Insurance

Secure your household with ICICI Lombard Home Content Insurance.

Protect your home appliances against fire, burglary, riots or storms
Just Rs 375 a year

Apply Now Know more

Motor Insurance

A Motor Insurance can help you secure your vehicle against all uncertainties that lie ahead.

Quick policy issuance through a paperless process
Road side assistance
3400+ cashless network garages

Apply Now Know more

Travel Insurance

Plan for your dream travel while being secured with ICICI Lombard Travel Insurance.

Premium starting at Rs 60 per day
Covers emergency hospitalisation
Cover against passport or baggage loss, flight delays

Apply Now Know more

Systematic Investment Plan

Start with an SIP early in your career and see the power of compounding work magic on your investments.

2,000+ mutual fund schemes
Purchase or redeem online

Apply Now Know more

PPF

Future-proof your life with a Public Provident Fund (PPF) Account. Partial withdrawal possible after 5 years

Tax exemption under Section 80C
Online settlement process

Apply Now Know more

Fixed Deposit (FD)

Put your idle fund to a profitable use. Earn higher interest by opening a Fixed Deposit for as minimum as 7 days.

Tax Saver FD option available for tax savings
Benefits of FD is safety of capital and assured returns

Apply Now Know more

Mutual Funds

Invest in 2,000+ mutual fund schemes with options for Systematic Investment Plan (SIP) or Systematic Withdrawal Plan (SWP).

Research on 200+ schemes
Portfolio and tax gain reports

Apply Now Know more

NPS

Plan for your post-retirement life by investing in National Pension System (NPS). It has an additional tax benefit of Rs 50,000.

Fully tax exempt on withdrawal
Select investment mix

Apply Now Know more

RD

Put aside a fixed sum every month in a Recurring Deposit (RD). Automatically transfer from Savings Account to RD

Minimum tenure 6 months
Loan against deposit

Apply Now Know more

iWish flexible RD

Thinking about your child’s future? Save for your family future with regular savings in iWish flexible RD.

Flexible contribution
Stable returns similar to RD

Open iWish Know more

SSY

If you have a girl child, invest in her future with the Sukanya Samriddhi Yojana (SSY) Account, and also avail of tax benefits.

Invest up to Rs 1.5 lakh yearly
Get higher interest rate

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Demat Account

ICICI Bank Demat Services boast of an ever-growing customer base of more than 30 lakhs customers as on March, 2018.

Receive your account statement and bill by email.
Track your dividend, interest, bonus through your account statement.

Apply Now Know more

Money Multiplier

Link your Savings Account to a Fixed Deposit to earn higher interest. Easy liquidity through automatic withdrawal from FD into account when balance goes below threshold.

Minimum 1 year tenure
Withdrawal from linked FD is possible

Apply Now Know more

ways to bank

Stay updated in so many ways

We, at ICICI Bank, understand that banking should be as easy as possible. Hence, we have multiple ways through which people can access their account and transact according to their convenience.

Some products which will help you bank seamlesssly.

Download the latest version of iMobile Pay App

Get an overview of your spending

Avoid the queue or delays and try our simple and secure Internet Banking facility anwhere on your mobile and desktop.

Manage your account
Spending overview
Transfer Funds
Pay Utility Bills
Recharge & shop
Pay Taxes

To start banking on Whatsapp

Say ‘Hi’ on 8640086400 from your registered mobile number.

Banking services made as easy as sending a message with ICICI Whatsapp Banking

Available’ – 24/7 x 365 (even on holidays!)
Non-ICICI Bank customers can also use services like Offers, ICICI Bank ATM’s & branches near me
Avail services of Credit Card limit and Block /Unblock Card without holding any other relationship with ICICI
Secure way of banking (end to end encryption)!

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Shop Anywhere
Pay Anyone
Bank with ease
Awesome Deals
Help at Hand
Postpaid Mobile & Land Line Bill Payment, DTH connection recharge, Bill Payment, Book Movie tickets

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Bank 24/7 through a widespread network of our ICICI Bank ATMs and branches.

Touch banking branches which are open 24x7
Cash deposit machine branches
Loan servicing branches
Insta banking kiosk branches
Locker service branches
Aadhar enrollment / update branches

Locate ATM/Branch

Blogs

Financial Guide for New Parents

You will have almost no time to consider the financial side of childbirth once the little one decides to push his/her way into the world. So, as soon as you find out that you’re expecting, you need to develop a financial plan which considers all the expenses that would or could arise.

Here’s some advice from our financial experts to get you started