Hi friends in view of all us icici bank’s image is like nice bank with nice people with good discipline, honest, transparent etc etc.this bank is biggest psu bank with highest sectors and highest advertisements. before 3 years I had just heard abt this bank but in between this three years I used their current acc., savings acc, and credit card too. I give you my unbiased 3 yrs. experience.
to start with I 1st explain you their pros.
1)good atm network
2)many branches and any branch banking
3)good infrastructure to atract people
4)smart and beautiful girls staff so you can stay quite and sit for a long and also public generally not fight with ladies.
5)good follow ups
I dont find find more pros and now I tell you their cons.
!)atm network good but limit is very low, most of the times money not available, long queues so useless.
2)many branches you can use but so many hidden charges if you deal from other branch than your base branch
3)proudy and indisciplined staff , dont have manners, think they are of employees of some foreign bank customers are their dependents.
4)if you want to meet manager its impossible then some beautiful lady tell you with smile you can give your complain on this no. and then forget abt the complain.
5)now their branches are so congested that its better to go to SABJIMANDI RATHER THAN TO ICICI.
6)in ahmedabad jmc branch abt 150 of customers coming daily to branch loose their vehicles to toing scwad of traffic because of non-availability of parking space in their branch.
7)phone baning and internet is west of time.
8)no schemes for old privileged customers and for new account they come out with zero balance schemce for 1 year and many more but when ask for same scheme in existing acc. then its big no.
8)Most important point of their making money is daily average quertly balance i.e 5000, 10000 according to acc. category & non maintenance of it huge 750 rs plus service tax will b deducted from your account. now they even dont provide passbooks and statements come quartely so how can you know abt your balance and also they dont provide your average balance inbetween days,
to summarize we can say quarterly balance is their big funda to make money because they know public is not very alert abt this and also most of people have more accounts and they never calculate this and many people even dont know whst’s it?..........just by advertisments they become bigger and government also earn huge servicetax from them so also gov. is behaving like blind monkey.they have increased their debit card charge to 250 rs. without any instructions and cut this charge for next financial year in advance.they make big show offs to attract people and start cutting money with lots of hidden charges which simple can’t understand and we cant do nothing.
I think we all should all avoid this bank, its the most cheater bank of all psu banks and i think government banks are far better like sbi, canara, bob because they dont have beautiful ladies, good infrastructure, some less facilities, but they care for our money and they dont cut our money like this cheaters and even today sbi and bob imerging with more facilities than psu banks.