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Mutual Fund Transaction Platform FAQs

What are the features/services offered by the new Mutual Fund Platform?


The new Mutual Fund Platform offers different services/features based on the following four criteria

  • Customers who hold  a portfolio with ICICI Bank
  • Customers who don’t hold a portfolio with ICICI Bank
  • Customers registered for invest@ease
  • Customers not registered for invest@ease

 

 

 Customers holding a PortfolioCustomers not holding a Portfolio
Invest@ease Registered Take the Risk Profile questionnaire Take the Risk Profile questionnaire
View their ICICI Portfolio Carry out - Purchase, SIP, FIP Transactions
Carry Out- Purchase ,Systematic Investment Plan (SIP) ,Flexible Investment Plan (FIP),Switch, Redeem, Systematic Transfer Plan (STP), Systematic Withdrawal Plan (SWP),Stop SIP, Stop FIP, Stop STP, Stop SWP transactions Cart functionality to allow multiple transactions simultaneously
Cart functionality to allow multiple transactions simultaneously Add portfolio held externally
Set triggers on Portfolio & transact Get a Consolidated view of External Portfolio
Add portfolio held externally View Broker wise performance of portfolios
Get a Consolidated view of ICICI Portfolio and External Portfolio View Fund card with additional information about funds
View Broker wise performance of portfolios  
Download portfolio and reports  
View Fund card with additional information about funds  
Non Invest@ease Registered Take the Risk Profile questionnaire Take the Risk Profile questionnaire
View their ICICI Portfolio Add portfolio held externally
Set triggers on Portfolio & transact Get a Consolidated view of External Portfolio
Add portfolio held externally View Broker wise performance of portfolios
Get a Consolidated view of ICICI Portfolio and External Portfolio View Fund card with additional information about funds
View Broker wise performance of portfolios  
Download portfolio and reports  
View Fund card with additional information about funds  

What is Invest@ease?


Invest@ease is a service offered to All Resident Indians having an ICICI Bank Savings Account that will enable them to invest through the online Mutual Funds transaction platform.

How can I register for this facility?


  • After filling the Invest@ease Registration Form (duly signed by all the account holders), submit the Form along with the below mentioned documents at any ICICI Bank branch
  • Documents required
    - A self-attested copy of your PAN card
    - KYC acknowledgement slip or KYC Status Screen
    - All Account holders should compulsorily be Mutual Fund KYC compliant, else the request will be Rejected

What is KYC?


To know about KYC, click here.

What types of transactions can I do through this platform?


  • Purchase
  • SIP
  • FIP
  • Redeem
  • Switch
  • STP
  • SWP
  • Stop SIP
  • Stop FIP
  • Stop STP
  • Stop SWP

How can I purchase Mutual Funds through the platform?


  • Log in to www.icicibank.com with your user ID and Password and click on Invest/Insure Online>>Invest Online>>Buy/Sell Mutual Fund
  • You can purchase funds held in your portfolio or search for new funds on the Search screen and execute them through the Investment Cart.


You can view the units allotted within 3 business days in your portfolio, based on the processing time of the AMC/Registrar.

Can I purchase a fund without taking the risk profile questionnaire?


No. The Risk Profile questionnaire is mandatory for purchasing any fund through this platform.

How can I update my Risk Profile?


If your Risk profile is not updated, on clicking the Buy / Sell Mutual Fund link you will be directed to the questionnaire. Answer all the questions present in the questionnaire and submit it to save your answers.

How can I change my Risk Profile?


If your Risk Profile was last updated over 3 months ago, you can change it online by clicking the Update Profile link available on the platform. If your Risk Profile was last updated less than 3 months ago, you will have to contact your Relationship Manager or nearest ICICI Bank to change your Risk Profile.

How can I redeem Mutual Funds through the platform?


  • You can redeem a fund by selecting it on the ‘My Portfolio’ page or on the ‘Redeem/Switch/STP/SWP’ tab on the Search page and adding it to Cart
  • Enter all or Partial amount / units of the selected scheme and execute the transactions present on the Cart
  • The transaction will be processed within 2-4 days as per the scheme TAT and the redemption proceedings will be credited directly into your Registered Savings Bank Account

What is a Flexible Investment Plan (FIP) and how does it work?


A Flexible Investment Plan (FIP) allows you to start an investment of a Frequency of your choice i.e. Daily, Weekly, Monthly, Quarterly, Half-Yearly or Yearly; on a date of your choice and for a period of your choice. The investment will get registered as Purchase with the AMC.

What is a Systematic Transfer Plan (STP) and how does it work?


A Systematic Transfer Plan (STP) allows you to transfer a fixed amount/ no. of units into another scheme of the same fund house, as per STP dates defined by the AMC. The units transferred, will reflect in your portfolio in T+3 days from the date of transfer.

What is Systematic Withdrawal Plan (SWP) and how does it work?


A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount/ no. of units from an existing fund at certain fixed frequencies and dates defined by the AMC. The transaction will be processed within 2-4 days as per the scheme TAT and the redemption proceedings will be credited directly into your Registered Savings Bank Account.

Can I execute multiple transactions by authenticating once?


Yes, you can add multiple transactions in the Investment Cart and execute all the transactions by authenticating your grid card once.

 

Please note: Authentication is required only for Buy, SIP and FIP transactions. No authentication is required for Redeem, Switch, STP and SWP transactions.

If I do not wish to execute the transactions added in the Investment cart immediately, can I execute them later?


Yes, transactions added in the Investment Cart get saved and will be available the next time you login. You can execute these transactions anytime thereafter.

If I do not wish to execute all transactions added to the Investment Cart, can I delete them?


Yes, if you do not wish to execute all transactions added to the Investment cart, you can delete them all by clicking the ‘Cancel’ button on the screen.

Can I modify the values entered for a transaction on the Investment Cart?


Yes, any values entered for transactions present on the Investment Cart can be edited or modified before you confirm the order.

Can I delete any particular transaction from the Cart?


Yes, you can delete any particular transaction you do not wish to execute, by clicking the (x) delete icon against the fund present on the Investment Cart.

Can I have multiple nominees for my funds?


Yes, you can enter up to 3 nominees for your funds present on the Investment Cart.

What is a profit / loss trigger and how can I set one for a fund present in my portfolio?


  • Profit / Loss Triggers can be set for any fund present in your portfolio by dragging the sliders against the fund to the required profit / loss percentage
  • When the trigger level is breached, you will receive an e-mail alert on your registered mail id, informing you of the trigger breach
  • The profit / loss percentage for a fund calculated from the date the trigger is set till the required trigger percentage is breached. The profit / loss is not calculated from the day the fund is purchased
  • For a fund where a profit trigger is set; till the time the fund breaches the trigger, it will reflect in amber colour on the Book Profit – Stop Loss Page. Once the trigger is breached it will reflect in green color.
  • For a fund where a loss trigger is set; till the time the fund breaches the trigger, it will reflect in amber colour on the Book Profit – Stop Loss Page. Once the trigger is breached it will reflect in red colour.

Can I set a common trigger for all my funds in the portfolio?


Yes, a common trigger can be set for all the funds in the portfolio, by selecting the asset class level trigger.

How can I Book profits or Stop losses on funds where the triggers has been breached?


  • In case of a profit trigger, the system will calculate the profit from the day the trigger was set and this can be booked by selecting the fund, adding it to the Investment Cart and executing it
  • In case of a loss trigger, the entire fund value gets added to the cart and the same transaction can be executed

How can I add my funds, held outside ICICI Bank ARN, on the platform?


You can now update your portfolio held with other banks / brokers on this platform through the Add External Portfolio feature, to get a Consolidated View of your Portfolio. You need to enter the requisite fund and transaction details to save the portfolio.

Can I have a Single View of both my ICICI Portfolio and External Portfolio?


Yes, you can view your entire portfolio held with ICICI Bank and externally, broker wise, on the Consolidated Holdings page.

Can I edit/delete the values entered for my funds held externally?


Yes, using the Edit/Delete option on the Consolidated Holdings page you can edit any value/Delete any external fund details added to the platform.

Will I be able to transact in the funds held externally through this platform?


  • No, you can only view your external portfolio on this platform
  • To be able to transact you will need to submit a ‘transfer in’ to the relevant AMC. You will be able to transact, once the funds are transferred to ICICI Bank ARN

How can I move my funds held externally to ICICI Bank ARN?


  • To transfer funds held externally to ICICI Bank ARN, you can download the ‘Transfer In’ form by clicking the Transfer option on the Consolidated Holdings page against the required fund
  • Submit the filled in form at the nearest AMC office or reach out to your Relationship Manager

Can I compare the performance of my funds held externally and with ICICI Bank?


  • Yes, a Broker wise portfolio performance comparison, (for funds added to the platform), can be viewed on the Broker wise Performance page
  • This page will show portfolio performance for various brokers at an asset class level

Can I see additional information about a fund like historical returns, investment objective, position on risk-return matrix etc?


  • Yes, you can now view additional information about a fund by clicking the fund card next to each fund
  • It gives you a brief about the Investment Objective, Fund Profile and Fund Manager
  • It also shows the positioning of fund in the Risk Return matrix and Performance of fund vis-a-vis Benchmark vis-a-vis the Category Average

Can I download / print my portfolio report?


Yes, you can download / print your entire portfolio through the ‘Export to Pdf option’ / ‘Print’ option available on the My Portfolio page.

What portfolio reports can I view /download on this platform?


Currently you can access the below portfolio reports

 

   • Transaction Report

   • Order Status Report

 

To view / download the report, you can enter the date range for the period you wish to see portfolio details and click Submit.

 

The report will be generated and appear as a link on the same page within 2 – 24 hours.

If I have multiple Savings accounts linked in Internet Banking, but only one is registered for Invest@ease, can I debit any of my linked accounts for a transaction?


  • Yes, if you have multiple Savings accounts linked in your Internet Banking login, you can select any account to debit funds towards your investments, inspite of having only one account registered for Invest@ease
  • However, investments will be linked only to the registered account and any redemption / dividend proceeds received will be credited back to the registered account only
  • The holding pattern of the investments will be as per the pattern selected at the time of registration and not as per the holding pattern of the Savings account that was debited for a transaction

If I can see multiple investment accounts on the first page of the platform, how can I identify the holding pattern of the investment account?


  • If you see multiple investment accounts on the first page of the platform, you can identify the holding pattern by the way in which the names of the accounts are displayed on the screen
  • For a joint investment pattern account, the name of the first holder will appear under the Client Name column and the names of the second / third holders will appear under the joint holder’s column
  • For a single investment pattern account, the name of the account will appear only under the Client Name column and the Joint holder’s column will be blank
  • You can select the relevant investment account based on the pattern in which you wish to invest

Where can I view the Key Information Memorandum (KIM)/ Scheme Additional Information (SAI) of a fund?


  • Links to the Key Information Memorandum (KIM) and Scheme Additional Information (SAI) are visible on the Order Confirmation page, before you authorise any transaction
  • These links will direct you to the Amfi website where these documents are available for all fund houses

What is the commission that ICICI Bank earns when I purchase funds and where I can view this information?


ICICI Bank earns commission for the sale of funds and this information is displayed in the ‘Commissions’ link on the Order Confirmation page, before you authorise any transaction.

What is the cut-off time for transactions?


  • For Liquid Funds the cut-off time for same-day NAV is 12:30 p.m
  • For Non-Liquid Funds the cut-off time for same-day NAV is 2.00 p.m
  • All instructions received on a transaction day (except on Saturdays, Sundays and holidays) before the cut-off time will be eligible for the same day's NAV
  • Transactions received after the cut-off time, will be reported to the RTA on the next business day and will in turn get the NAV as on the next business day

How can I change my address, registered bank account or nominee details?


  • For any changes to your Investment Account information like address, bank account etc., you need to contact the nearest ICICI Bank branch and provide a written request to get the changes done
  • For investment accounts in joint pattern any change in nominee details for your Mutual Fund investments, can be done by contacting the respective AMCs directly or you can get in touch with your Relationship Manager
  • For investment accounts in single pattern, nominee details can be changed at the time of Investment, by entering the relevant details on the cart

Can I transact on a holiday?


You can place a request even on a holiday, however, your request will be processed on the following business day and the NAV would be applicable as defined in the Mutual Fund's Offer Document.

Are the units allotted as per the NAV on the screen?


NAVs are declared by the Mutual Fund House by the end of the day. Hence the NAV displayed on the screen (the previous day's NAV) will have a lag of one day or more. The displayed NAVs are indicative and for the purpose of guidance only. When you transact through the platform, you get the same day's NAV depending upon the cut-off time applicable i.e. if the transaction is before the cut-off time, the same day's NAV is allotted (for all working days).

How will I receive the dividend payouts / redemption amounts?


You will receive it through a direct credit from the AMC into your Registered Savings Account.

Additional FAQs for HUF accounts

What is the process for registering my HUF account?


You can contact your Relationship Manager or nearest wealth branch and submit details in invest@ease registration form, along with the required documents.

What are the pre-conditions for registering my HUF account for mutual fund transactions ?


The following are the pre-conditions for registering HUF account for mutual fund transactions:

 

  • Entity should be resident of India only and not of any other country
  • Ultimate Beneficial Owner’s (UBOs) Nationality and Country of Tax Residence should be of India and not of any other country

What are the documents required for registering an HUF account?


  • Self-attested PAN copy of HUF and KARTA
  • Copy of CVL KYC of HUF and KARTA

Who all need to Sign the invest@ease registration form?


Form should be duly stamped and signed by Karta and all the Members of HUF.

How can I purchase Mutual Funds through the platform?


  • Login to www.icicibank.com with your user ID and Password and click on Invest/Insure Online>>Invest Online>>Buy/Sell Mutual Fund
  • You can purchase funds held in your portfolio or search for new funds on the Search screen and execute them through the Investment Cart.
  • You can view the units allotted within 3 business days in your portfolio, based on the processing time of the AMC/Registrar.

How can I purchase Mutual Funds if I do not have Internet Banking access?


You need to contact your Relationship Manager or visit your nearest ICICI Bank Wealth Management branch and submit the physical request for doing transactions through Common Transaction Form (CTF).

Who will be the authorised signatory for HUF?


'Karta' will act as authorised signatory for doing transactions.

Is it mandatory to fill all the details under FATCA/UBO?


Yes, as per regulatory guidelines it is mandatory to share FATCA and UBO details with respective AMCs.

What does Ultimate Beneficial Owner mean?


The Beneficial Owner means 'Natural Person', who, whether acting alone or together, or through one or more juridical person, exercises control through ownership or who ultimately has a controlling ownership interest of / entitlements to:

  • More than 25% of shares or capital or profits of the juridical person, where the juridical person is a company;
  • More than 15% of the capital or profits of the juridical person, where the juridical person is a partnership; or
  • More than 15% of the property or capital or profits of the juridical person, where the juridical person is an unincorporated association or body of individuals.

What is the maximum number of UBOs I can declare?


The maximum number of UBOs I can declare is 6, since minimum holding percentage should be 15%.

If I have declared any UBO having ‘Nationality’ and ‘Country of Tax Residence’ other than India, can I be allowed to transact?


No, if HUF has declared any UBO having ‘Nationality’ or ‘Country of Tax Residence’ other than India, HUF account cannot be allowed to transact.

How can I decide what is the ‘UBO Type’ of UBOs declared?


You may consult your Chartered Accountant for this.

Can I use nomination facility in the HUF account?


No. For entities, the nomination facility in Mutual Funds cannot be provided as per the regulatory guidelines.

If I have multiple Savings Accounts linked in Internet Banking, but only my HUF account is registered for Invest@ease, can I debit any of my linked accounts for a transaction?


Yes, if you have multiple Savings Accounts linked in your Internet Banking login, you can select any account to debit funds towards your investments, inspite of having only HUF account registered for Invest@ease. However, investments will be linked only to the registered account and any redemption / dividend proceeds received will be credited back to the registered account only.

Additional FAQs for Current Account

What is the process of registering the current account of my company for invest@ease facility?


You can contact your relationship manager or visit the nearest wealth branch and submit the required details and documents as per the invest@ease registration form.

What are the pre-conditions for registering my current account for mutual fund transactions?


The following are the pre-conditions for registering your current account for mutual fund transactions:

  • The entity should be a resident of India only and not of any other country for tax purposes
  • The entity needs to submit FATCA details to all the four Registrars and Transfer Agents (RTAs) that are CAMS, KARVY, FTI and SUNDARAM before giving a request to ICICI Bank to execute any transaction.

What are the documents required for registering current account?


Following documents will be required for registering current accounts:

  1. Company
    • PAN copy of Entity
    • Board Resolution and latest list of directors on company letter head
    • MOA- Memorandum of Articles
    • Authorised Signatory list with specimen signature on company letter head
    • CVL KYC of Entity
  2. Partnership
    • PAN copy of Entity
    • Authorised Signatory list with specimen signature on company letter head
    • CVL KYC of Entity
    • Partnership deed
  3. Proprietor
    • PAN copy of Individual
    • CVL KYC of Individual
  4. Trust
    • PAN copy of Entity
    • CVL KYC of Entity
    • Authorised Signatory list with specimen signature on company letter head
    • Board Resolution and latest list of directors/ trustees on company letter head
    • MOA - Memorandum of Articles
  5. Body Corporate
    • PAN copy of Entity
    • CVL KYC of Entity
    • Authorised Signatory list with specimen signature on company letter head
    • Board Resolution and latest list of directors/ trustees on company letter head
    • MOA - Memorandum of Articles
  6. Association of Persons/ Body of Individuals
    • PAN copy of Entity
    • CVL KYC of Entity
    • Authorised Signatory list with specimen signature on company letter head
    • Board Resolution and latest list of directors/ trustees on company letter head
    • MOA - Memorandum of Articles
  7. Society
    • PAN copy of Entity
    • CVL KYC of Entity
    • Authorised Signatory list with specimen signature on company letter head
    • Board Resolution and latest list of directors/ trustees on company letter head
    • MOA - Memorandum of Articles

Does the MOA need to mention that the entity is allowed to invest in mutual funds?


Yes, MOA should clearly specify that entity is allowed to invest in mutual funds.

Who all need to sign the invest@ease registration form?


The form should be duly stamped and signed by Authorised Signatories as per the Authorised Signatory list.

How can I transact in mutual funds once I am registered for the facility?


You can submit the request via Common Transaction Form (CTF) signed by Authorised Signatories to your mapped relationship manager or visit the nearest ICICI Bank branch.

Can I invest in mutual funds through Internet Banking or Mobile Banking?


Currently this facility is not available through Internet Banking or Mobile Banking. This facility can be availed only by submitting CTF to mapped relationship manager or at the nearest ICICI Bank branch.

Is it mandatory to submit FATCA details to all the RTAs?


Yes, in the event RTAs do not have FATCA details available with them, the transaction may get rejected.

Can I submit FATCA details to any of the AMCs belonging to RTAs or need to submit it to RTAs only?


You can submit FATCA details to any of the AMCs belonging to RTAs. However, it is advisable that FATCA details are submitted directly to RTAs so that it gets updated to all the AMCs and there are no miss outs.

How can I decide the type of entity as per the types mentioned in invest@ease form?


You may consult your Chartered Accountant for this.

Can I use nomination facility in the current account?


No. For entities, the nomination facility in mutual funds cannot be provided as per the regulatory guidelines.

Disclaimer
The use of this information is subject to the terms and conditions governing such products and services as specified by ICICI Bank / third party from time to time. The information provided herein is for the general understanding and reference and shall not constitute or be deemed to constitute an advice, invitation, offer or solicitation to sell/purchase any products/services of ICICI Bank or any third party. "ICICI Bank" and "Iman" logos are the trademark and property of ICICI Bank Limited. Misuse of any intellectual property or any other content displayed herein is strictly prohibited.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.