(This is a review about their banking services, not about their loan services or capital/trading services)
This is ’I’ from Bangalore with ’Eye Sea’ after getting an Icy treatment. Am not sure if readers/customers from other places will share the same sentiment. To start with, moving to ICICI wasn’t my choice. As my employer gave us an option to choose between ICICI Bank and ICICI Bank to open an account as our salary account, I opened one there.
Delay, Delay and Delay is the password. It takes time for the processing of the application form. Takes time for the cheque book to reach you. Takes time for the ATM PIN to be mailed. Anything and everything has to be processed in Bombay sorry Mumbai. Not sure how a private outfit can function in this manner in an age of cut throat competition and survive too!
For an account linked to my demat account, I am yet to get the ATM card and the PIN no. If you are wondering what’s the
yardstick for ’yet’, here it, ’yet’ is after 18 months(1.5 years). However, if you go past the initial hitches, then it’s
not so rough sailing.
There’s another irony. I had Rs.40000 cash with me(in 100s and 500s). I was unable to deposit it in the bank. The teller counter(s) had a queue of about 25 persons each of the 3-4 times I visited the bank. I was lazy to put cash into the ATM in packets of 10 or 20 notes or whatever.
As regards the number of ATMs available, ICICI has done very well(again this is with respect to Bangalore).
I leave the readers to make their own discretion. Ultimately it is the consumer who can make or break(ANYTHING) and it
is time we wake up to this realization..