Table of Content
For Application submitted by the Customer at any of the ICICI Bank branches, the Customer can avail the Services through any of the ICICI Bank branches immediately. However, if the Application is submitted by the Customer at any of the ICICI Bank branches and the Customer wishes to provide Instructions for availing the Services, the Customer can give Instructions for availing the Services through Infinity or ICICI Bank 24-Hour Customer Care Centre only after a minimum of one working day form the date of receipt of the Application by ICICI Bank. Any other facility as ICICI Bank may offer to its Customers from time to time. “Agent” refers to such persons as may be appointed by ICICI Bank from time to time for the purposes of providing the Services to the Customers.
ICICI HFC may introduce new services in relation to the Website from time to time. The existence and availability of the new services will be notified on the Website as and when they become available and any revisions in the Terms and Conditions will take place in accordance with these Terms and Conditions. These Terms and Conditions pertain solely to the offer extended by ICICI Bank on any personal loan availed by a customer for the period specified below (“Offer”). So, I contacted Mr Jainam Shah of ICICI Rajkot Branch and gave him all the required details. I am surprised positively as I got my loan sanctioned in just span of 3 days which is very amazing and I truly appreciate ICICI Bank Home Loan Team especially Mr. Jainam Shah, Ms. Arpi Shah and Mr. Jayant Ratnawat for smoothly and efficiently processing my loan application.
RIGHTS AND REMEDIES OF ICICI BANK
The Customer further agrees that the amount would be credited to the Customer account subject to realization of the Instruments. ICICI Bank may, at its sole and absolute discretion, act on any Instruction given by the Customer to ICICI Bank, or which ICICI Bank reasonably believes to have been made by the Customer. ICICI Bank shall endeavor to carry out the Instructions of the Customer provided that ICICI Bank, shall not be responsible for the delay in carrying out such Instructions due to any reason whatsoever, including, but not limited to, failure of operational systems or any requirement of law or ICICI Bank’s internal policies. The Customer represents that the Customer is at least 18 years of age and has the capacity to contract as specified under the Indian Contract Act, 1872 to be eligible for availing the Services offered herein. “Service Request Number” refers to the unique transaction number provided to the Customer by ICICI Bank at the time of providing the Instruction.
ICICI Bank shall not be required to independently verify the veracity, authenticity or validity of the Instructions. ICICI Bank shall have no liability if it does not or is unable to stop or prevent the carrying out of or the execution/implementation of an Instruction that is subsequently countermanded by the Customer. Where ICICI Bank considers the Instructions to be inconsistent or contradictory it may seek clarification from the Customer before acting on any Instruction of the Customer or act upon any such Instruction as it deems fit. ICICI Bank has no liability or obligation to keep a record of the Instructions to provide information to the Customer or for verifying Customer's Instructions. The Customer may provide any Instruction in relation to the Services to ICICI Bank through ICICI Bank 24-Hour Customer Care Centre or Infinity or ICICI Bank branches or any other medium/channel by ICICI Bank for the purpose in a manner as may be prescribed by ICICI Bank. You can apply for an Overdraft facility through Internet Banking or the IBizz app of ICICI Bank, and you can also get assistance from their customer service regarding the same.
What is an ICICI Bank Rubyx Credit Card?
Please note that the list of lounges may be changed by Visa at its sole discretion and without any notice to ICICI Bank or its Card Members. This programme is provided by a third party and governed by such third party terms and conditions. I/We agree to receive update on various products and services related information and special offer from ICICI Bank/group companies and other entities via email alerts, or SMS alerts or phone call. I/We may share, exchange or deliver instruction/information/document electronically to ICICI Bank through email.
ICICI Bank shall have the absolute discretion to amend or supplement any of the Terms, features and benefits in relation to the Services. ICICI Bank may communicate the amended Terms by hosting the same on Infinity or in any other manner as decided by ICICI Bank. The Customer shall be responsible for regularly reviewing these Terms, including amendments thereto as may be posted on Infinity and shall be deemed to have accepted the amended Terms by continuing to use the Services.
What is the credit limit of an ICICI Rubyx Credit Card?
The Borrower/s shall not, without the approval of ICICI Bank (which approval may be given subject to such terms and conditions as may be stipulated by the Bank including payment of minimum prepayment amount, prepayment premium or discounted interest and/or any other charges, plus applicable interest tax or other statutory levy), prepay the outstanding principal amount of the Facility together with all outstanding interest and other charges and monies payable thereon in full or in part, before the Due Dates. In the event any part prepayment of the Facility is permitted by ICICI Bank, the repayment schedule/amount of Instalment as specified in the Application Form shall be amended by ICICI Bank and the Borrower/s shall thereafter make payment of the Instalments as per such amended schedule. Any such prepayment shall take effect only after cash has been received or cheques issued by the Borrower/s for such prepayment have been cleared in favour of ICICI Bank.
The Customer agrees and confirms that ICICI Bank shall not be held liable fornot crediting any such amount of the total value of the defective/discrepant/counterfeit currency notes in the Account of the Customer and that the decision of ICICI Bank with regards to determining any defectiveness of the currency notes provided by the Customer shall be final and binding upon the Customer. Notwithstanding any such appropriation by ICICI Bank towards settlement of any dues payable by the Borrower/s to ICICI Bank under any other agreements between the Borrower/s and ICICI Bank, the Borrower/s shall continue to remain liable to ICICI Bank for all outstanding/remaining amounts comprising the Borrower/s’ Dues. ICICI Bank reserves the right to charge and recover from the Customer fees along with applicable taxes for availing the Services at any time as it may deem fit. Failure to pay the charges/fees on or before the specified date will render the Customer liable for payment of interest at such rate as may be stipulated by ICICI Bank and/or withdrawal of the Services without any liability to ICICI Bank.
Loan
The visitor/customer hereby agree and confirm that he will click on the links to, and familiarise himself with the terms and conditions and other terms and guidelines found throughout this Website and the ICICI Sites and abide by them if the visitor/customer choose to use the sites, pages or services to which they apply. • The visitor/customer means any person having access to the Website for general information about ICICI HFC and its products and other facilities offered from time to time on the Website. To apply for a home loan, you need to submit documents such as a proof of identity, a proof of address, a loan application form that has been duly filled and your financial documents. E) 4% on Non-home loan on amount prepaid and on all amounts tendered by the Borrower towards prepayment of the Facility during the last one year from the date of final prepayment where the loan is given to individual Borrower for business purpose and to non-individual Borrower for all purpose. Nil prepayment charges will be applicable to individual Borrower if loan is booked under priority sector lending and Borrower type is Micro or Small Enterprise.
Security, if any, created by the Borrower/s and/or any other person in favour of ICICI Bank in connection with the repayment of the Borrower/s’ Dues shall continue until the full payment of all monies due under/in respect of the Facility. As security for the due payment/repayment by the Borrower/s of the Borrower/s’ Dues and the strict compliance by the Borrower/s with his/her/its/their covenants and obligations under the Loan Terms, the Borrower shall create such security or cause any third parties to create such security on any or all of the Asset, or provide such other security as may be stipulated by ICICI Bank, in such form and manner as is satisfactory to ICICI Bank. In the event of any failure by the Borrower/s to obtain such insurance policies and/or to furnish proof of the same to ICICI Bank, ICICI Bank may insure the Product at the Borrower/s’ cost. If ICICI Bank pays the insurance premium, or any other monies, for/towards the insurance of the Product, the Borrower/s shall reimburse all such sums paid by ICICI Bank.. The Borrower/s shall permit ICICI Bank , at all times, to inspect, view and examine the state and condition of the Asset and/or the documents relating thereto.
I/We hereby authorize ICICI Bank to exchange, share or part with all the information, data or document in relation to the loan application including but not limited to the credit repayment, history or default, if any, committed by the me/us to credit bureaus, agencies, statutory bodies, information utilities. The Borrower/s’ liability for repayment of the Borrower/s’ Dues shall, in cases where more than one Borrower have jointly applied for the Facility, be joint and several irrespective of whether or not the Product is/are jointly registered in the names of all the Borrower/s. Where the Borrower/s is an individual doing business as a sole proprietary concern, the Borrower/s shall be solely responsible for the liabilities of the aforesaid concern and will be personally liable for making repayment / payments of all amounts in respect of the Facility to ICICI Bank. If the Borrower/s default/s in making payment of any Installments/s or any other amounts comprising the Borrower/s’ Dues to the Lender on the respective Due Date, the Borrower/s shall be liable to pay default interest at the rate specified in the Application Form on all such outstanding/unpaid amounts from the relevant Due Date till the date of payment of such entire amount.
Breach of any representation, warranty, declaration or confirmation under the Loan Terms or any other Transaction Document has occurred / been committed and/or the Borrower/s has/have committed any fraud/ failed to submit any material information as required under the Application Form. Promptly notify ICICI Bank of any circumstances and conditions which have/may have a Material Adverse Effect. Promptly notify ICICI Bank of the occurrence of any event or the existence of any circumstances, which constitutes or results in any declarations, representation, warranty, covenant or condition under the Loan Terms and/or the other Transaction Documents being or becoming untrue or incorrect in any respect.
Such cheque shall be cancelled by crossing the face of the cheque and marking it as “CANCELLED” (the “Cancelled Cheque”). The Customer also agrees that stop payment instructions shall be deemed to have been provided with respect to the Cancelled Cheque, which instructions shall be carried out by ICICI Bank without levying any charge/costs therefor. “Instruction" refers to the requests made by the Customer for availing the Services from ICICI Bank in the form and manner as prescribed by ICICI Bank from time to time. “Application” shall mean the application forms and/or any other form/document/letter required for availing of the Bank@Home Services from ICICI Bank. All insurance benefits will be applicable only in case the ICICI Bank Rubyx Credit Card has been used at least once in the last 60 days prior to the event. Please ensure that the minimum amount due on your Credit Card is paid at all times to avail of insurance benefits.
ICICI Bank may, at its discretion, withdraw temporarily or terminate the Services, either wholly or in part, at any time without giving prior notice to the Customer. ICICI Bank may, without prior notice, suspend the Services at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the Services. ICICI Bank shall endeavour to give a reasonable notice for withdrawal or termination of the Services.
Terms & Conditions for Bank@Home Service provided by ICICI Bank Limited
The Reward Points validity will lapse after 3 years from the date of credit. Avail 25% discount of up to Rs 150 on the purchase of a minimum of 2 movie tickets per transaction on BookMyShow and Inox. If you are self-employed, the minimum annual income must be minimum Rs 5.5 lakh. You must be minimum 23 years old for primary card and 18 years old for supplementary card.
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