Disclaimer

The information given on the website may not be altered in any way, transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without prior written consent of ICICI Bank Limited ("ICICI Bank").

ICICI Bank is a banking company incorporated and regulated under Indian laws and maintains its head office in Mumbai, India.

The contents of this website are subject to change without notice. The information provided herein is not an offer or solicitation for any application or subscription for deposits or any other products or services described herein and is not directed at any person and not intended to be acted upon by any jurisdiction where this would (by reason of that person's nationality, residence or otherwise) be contrary to law or regulation or would subject ICICI Bank or its affiliates to any licensing, registration or other legal requirements. THE INFORMATION CONTAINED ON THIS WEBSITE IS NOT INTENDED TO NOR SHOULD IT BE CONSTRUED TO REPRESENT THAT ICICI BANK PROVIDES ANY PRODUCTS OR SERVICES IN ANY JURISDICTION WHERE IT IS NOT LICENSED OR REGISTERED OR AUTHORISED TO DO SO.

Some of the products described in this website may be developed and offered by third parties ('third party products'), which ICICI Bank may be making available to you. ICICI Bank does not endorse or guarantee these third party products in any manner and will not be liable for their performance or otherwise. The products described on this website may not be protected against sovereign risk including risks arising from any changes in applicable Indian or other relevant laws, represent speculative investments and may involve a high degree of risk. Investors' capital may not be guaranteed in any respect and they could lose all or substantial portion of their investment. Please familiarize yourself with all the terms and conditions pertaining to 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 the products and services referred to in this document, and accepts no liability or any responsibility whatsoever with respect to the use of the information provided on this website. Nothing in this website is intended to constitute legal, tax, securities, or investment advice, or an opinion regarding the appropriateness of any investment, or a solicitation of any type. The contents in the website are intended for general information purposes only and should not be acted upon without first obtaining specific legal, tax, and investment advice from a licensed professional concerning your own situation and any specific investment questions you may have before entering into any financial transaction. The products or services mentioned on this website may not be suitable for all investors. The suitability of any product or service will depend on a person’s individual circumstances and objectives. You should personally seek independent advice from a licensed or exempt financial adviser regarding the suitability of the product or services, taking into account your specific investment objectives, financial situation or particular needs, before making a commitment to purchase such product or service.

Any references to service levels are only indicative and should not be construed to refer to any commitment by ICICI Bank or any other service provider. Interest rates are only cited as examples of rates that may be in effect from time to time and are only indicative and are subject 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. set out on this website 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. ICICI Bank does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out in this information. The information in this document reflects prevailing conditions and our views as of this date, all of which are expressed without any responsibility on our part and are subject to change. Past performance cannot be a guide to future performance. No reliance may be placed for any purpose whatsoever on the information contained on this document or on its completeness. The information set out herein may be subject to updating, completion, revision, verification and amendment and such information may change materially.

Any investment in any fund/securities etc described on this website will be accepted solely on the basis of the fund's/ securities' offering memorandum and the relevant issuing entity's constitutional documents. To the extent that any statements are made on this website in relation to any fund/ security, they are qualified in their entirety by the terms of the offering memorandum and other related constitutive documents pertaining to the fund/ security, which must be reviewed prior to making any decision to invest in the fund/ security.

This document does not constitute an offer to sell or a solicitation of an offer to sell any securities to any person in any jurisdiction.

ICICI Bank, its affiliates and any of their licensers, directors, employees, or agents shall not be held liable for any direct, indirect, incidental, special, or consequential damages arising out of the use of information contained herein. Potential investors should request for relevant product information before making any investment decisions as this website does not relate to any investment product.

The above mentioned is not a complete list of the risks and disclosures and other important disclosures may be involved in availing of the products and services described herein.

The use of this document is subject to the terms and conditions specified herein and the users shall be deemed to have read, understood and consented to these terms and conditions.

ICICI Bank and the "I man" logo are the trademarks and property of ICICI Bank Limited.

DISCLOSURE FOR UK RESIDENTS

The information contained herein has been issued and approved by ICICI Bank UK PLC for the purposes of section 21 of the Financial Services and Markets Act 2000. ICICI Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Its registered office is One Thomas More Square, London E1W 1YN. It is subject to the laws of England and Wales.

As investments described on this website are being provided by entities which are not authorised and regulated by the UK regulators, the rules under the Financial Services and Markets Act 2000 for the protection of customers will not apply. In addition, no protection will be available in relation to the investment under the Financial Services Compensation Scheme (FSCS). ICICI Bank UK PLC provides products and services on an "execution-only" basis, which is solely limited to transmission or execution of investment instructions and does not provide investment advisory services or act in a fiduciary capacity.

DISCLOSURE FOR RESIDENTS IN THE UNITED ARAB EMIRATES

The information given herein shall in no way be construed as a general offer for the sale of products and services to the public in the United Arab Emirates, or as an attempt to conduct business, as a financial institution or otherwise, in the United Arab Emirates.

The information contained herein is not intended to, nor should it be construed as an offer, solicitation or advice to buy or sell any products/services by ICICI Bank and such information is not intended to, nor should it be construed to represent that ICICI Bank or provides any products or services in any jurisdiction where it is not licensed or registered or authorized to do so. Nothing herein is intended to constitute legal, tax, securities or investment advice or opinion regarding the appropriateness of any investment. Investors should note that any products and services mentioned herein, and any interests therein have not been approved or licensed by the UAE Central Bank or by any other relevant licensing and regulatory authority in the United Arab Emirates, and they do not constitute a public offer of products in the United Arab Emirates in accordance with the Commercial Companies Law, Federal Decree Law No. 32 of 2021 (as amended) or otherwise.

DISCLOSURE FOR DIFC

The DIFC Branch of ICICI Bank Limited (“ICICI DIFC”) is located at ICICI Bank Limited DIFC Branch, Unit OT 27-31-32, Level 27, Central Park Offices, Dubai International Financial Centre, Dubai, 506529, United Arab Emirates.

ICICI DIFC started its operations on December 11, 2005. Subsequently, ICICI DIFC has been granted Category -1 License by Dubai Financial Services Authority (“DFSA”) (the Regulator) for DIFC Banking activities on January 24, 2011. Under this license, the ICICI DIFC can perform activities like Arranging Credit and Advising on Credit, Accepting Deposits, Advising on Financial Products, Arranging Deals in Investments and Providing Credit.

ICICI DIFC does not have retail endorsement in the license and hence cannot transact with retail clients.

Key activities of ICICI DIFC is:

• Corporate Banking
• Trade Finance
• Treasury
• Private Banking

ICICI DIFC is authorised to only deal with ‘Professional Clients’ (as defined in the DFSA rule book via section COB 2.3.3).

The information contained herein are intended only for Professional Clients and not ‘Retail Clients’ (as defined in the DFSA rule book via section COB 2.3.3). The financial products or financial services to which the information on this website relates to will only be made available to a Professional Client.

As per DFSA,

an individual is an ‘assessed’ Professional Client if:

1. the individual has net assets of at least $1 million calculated in accordance with Rule 2.4.2;
2. and (b) either:
   • the individual is, or has been, in the previous two years, an Employee in a relevant professional position of an Authorised Firm or a Regulated Financial Institution; or
   • the individual appears, on reasonable grounds, to have sufficient experience and understanding of relevant financial markets products or transactions and any associated risks, following the analysis set out in Rule 2.4.3.

The DFSA does not accept any responsibility for the content of the information included in the Prospectus, including the accuracy or completeness of such information. The liability for the content of the Prospectus lies with the Issuer of the Prospectus and other Persons, such as Experts, whose opinions are included in the Prospectus with their consent. The DFSA has also not assessed the suitability of the Securities to which the Prospectus relates to any particular investor or type of investor. If you do not understand the contents of this Prospectus or are unsure whether the Securities to which the Prospectus relates are suitable for your individual investment objectives and circumstances, you should consult an authorised financial advisor.

DISCLOSURE FOR BAHRAINI RESIDENTS

Important – ICICI Bank Limited's Bahrain Branch, located at Building Number: 2611, Road: 2833, Block: 428, Seef District, Bahrain, is licensed and regulated as an overseas conventional retail bank by the Central Bank of Bahrain. All the products and services offered from ICICI Bank Limited Bahrain Branch will be offered with prior notification to or approval from the Central bank of Bahrain. . Investments in all products and services are subject to varying levels of risk and that the value of your investment may go down as well as up. Central Bank of Bahrain, does not take responsibility for the performance of the investments, nor for the correctness of any statements or representations made herein.

Overseas domiciled Collective Investment Undertaking may not be offered directly to investors in Bahrain, by non resident persons. Only CBB licensees that are licensed either in Bahrain, by non resident licenses (Volume 1 of the CBB Rulebook), Islamic Bank licensees (Volume 2) or Investment firm licensees (Volume 4), may offer overseas domiciled CIUs to investors in Bahrain.

DISCLOSURE FOR RESIDENTS IN SINGAPORE

ICICI Bank Limited, Singapore Branch ("ICICI Bank" or “Bank”) is a bank licensed by the Monetary Authority of Singapore (“the Authority”). It is located at 9 Raffles Place #50-01 Republic Plaza, Singapore 048619.

ICICI Bank’s representatives, who service your account and act on its behalf, are authorized to deal in investment products and financing of such investment products.

ICICI Bank and its affiliates and their respective officers, directors or employees, including persons involved in the preparation or issuance of this website, may from time to time:

• Have interests or positions, or may effect transactions, in relation to the products or other investments referred to you, or may otherwise solicit or have relationships with or financial interests in or other financial or business arrangements with the fund or product providers, or issuers of any of the investments referred to you

• Perform or seek to perform broking, investment banking and other financial services for such product providers to the extent permissible.

The information provided herein is not an offer or solicitation for any application or subscription to any products or services described herein and is not directed at any person and not intended to be acted upon by any person in any jurisdiction where this would (by reason of that person's nationality, residence or otherwise) be contrary to law or regulation or would subject ICICI Bank or its affiliates to any licensing, registration or other legal requirements. Nothing in this website constitutes any advice or recommendation for any products or services mentioned in it. All products and services mentioned herein may not be available to you and their availability is dependent on your current or permanent country of residence, among other factors.

Please refer to the product/service specific terms and conditions for eligibility criteria. ICICI Bank makes no warranty, representation or guarantee as to content, sequence, accuracy, timeliness, completeness, truthfulness and positioning of the information or the sources that the information may have been obtained from.

For more information on any of the products and services mentioned in this website please contact the Relationship Manager.

For Accredited Investors/Expert Investors in Singapore

ICICI Bank shall be exempted from complying with the following regulatory requirements as stipulated in Financial Advisers Act 2001 (“FAA”) according to Financial Advisers Regulations (“FAR”) issued thereunder (subjected to amendment and update from time to time due to regulatory changes or otherwise):

1. Regulation 33 of FAR provides exemption from Section 34 of FAA on the obligation to disclose to every client and/or prospective client, all material information relating to any designated investment product that the Bank and/or its representative recommends to them. The material information under section 34 of FAA includes:

   1. the terms and conditions of the designated investment product;

   2. the benefits to be, or likely to be, derived from the designated investment product; and the risks that may arise from the designated investment product;

   3. the premium, costs, expenses, fees or other charges that may be imposed in respect of the designated investment product;

   4. where the designated investment product is a unit in a collective investment scheme, the name of the manager of the collective investment scheme and the relationship between the Bank and the manager;

   5. where the designated investment product is a life policy, the name of the registered insurer under the life policy and the relationship between the Bank and the insurer; and

   6. such other information as the Authority may prescribe.

1. Regulation 34 of FAR provides exemption from Section 36 of FAA, under which the Bank and/or its representative must not make a recommendation with respect to any investment product to a person who may reasonably be expected to rely on the recommendation if the Bank and/or its representative does not have a reasonable basis for making the recommendation to such person in respect of (i) any investment product to an accredited investor; (ii) any capital markets product to an expert investor; or (iii) any Government securities. 

As per the said section, the Bank and/or its representative does not have a reasonable basis for making a recommendation to a person unless-

1. the Bank has, for the purposes of ascertaining that the recommendation is appropriate, having regard to the information possessed by the Bank concerning the investment objectives, financial situation and particular needs of the person, given such consideration to, and conducted such investigation of, the subject-matter of the recommendation as is reasonable in all the circumstances; and

2. the recommendation is based on the consideration and investigation mentioned above. 

1. Regulation 35 of FAR provides exemption from Section 45 of FAA where if the Bank and/or its representative sends a circular or other similar written communication in which a recommendation (whether expressly or by implication), with respect to any specified products (including any securities to an accredited or expert investor; or any Government securities),  the Bank and/or its representative must include a concise statement of the nature of any interest in, or any interest in the acquisition or disposal of, the specified products that the Bank and/or its representative, or a person associated with or connected to them, has at the date on which the circular or other communication is sent.

Definitions:

1. "Accredited Investor" means:

   1. an individual whose:

      1. net personal assets exceed in value S$2 million (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe in place of the first amount; or

      2. financial assets (net of any related liabilities) exceed in value S$1 million (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe in place of the first amount, where “financial asset” means-

         1. a deposit as defined in section 4B of the Banking Act 1970;

         2. an investment product as defined in section 2(1) of the Financial Advisers Act 2001; or

         3. any other asset as may be prescribed by regulations made under section 341; or

      3. income in the preceding 12 months is not less than S$300,000 (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe in place of the first amount;

   2. a corporation with net assets exceeding S$10 million in value (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe, in place of the first amount, as determined by:

      1. the most recent audited balance-sheet of the corporation; or

      2. where the corporation is not required to prepare audited accounts regularly, a balance-sheet of the corporation certified by the corporation as giving a true and fair view of the state of affairs of the corporation as of the date of the balance-sheet, which date shall be within the preceding 12 months;

   3. the trustee of such trust as the Authority may prescribe, when acting in that capacity; or

   4. such other person as the Authority may prescribe.

1. "Expert Investor" means:

   1. a person whose business involves the acquisition and disposal, or the holding, of capital markets products, whether as principal or agent;

   2. the trustee of such trust as the Authority may prescribe, when acting in that capacity; or

   3. such other person as the Authority may prescribe.

1. "designated investment product" means:

   1. a unit in a collective investment scheme;

   2. a life policy (including a group life policy); or

   3. or such other investment product as the Authority may prescribe.