Retail Banking Group

The Retail Banking Group of ICICI Bank serves customer segments such as individuals, business banking, government, and retail institutions. Our customer relationship teams are present across the country through a wide distribution of over 5,534 branches. Further, our Digital Banking services offer the full spectrum of banking solutions to our customers. Products and the digital channels complement each other to offer a unique value proposition to our customers. In our endeavour to offer 360-degree banking, we have adopted a unique customer-centric approach of ICICI Stack. ICICI Stack covers the full spectrum of banking services consisting of bank accounts, payments, banking transactions, credit cards, personal loans, mortgage loans, vehicle loans, business and institutional banking solutions etc.

This group adheres to the changing preferences and needs of customers with respect to maintaining and developing their savings account and managing their current accounts (Retail Liabilities Group). The pool then gets deployed through Home Loans, Personal Loans and Auto Loans for its customers.

In our effort to be the Bank of Choice, we continuously strive to understand and serve the banking needs of our customers. The process includes:

  • Offering solutions that are Fair to the Customer and Fair to the Bank
  • Offering 360-degree banking solutions that meet the needs of our customers
  • Constantly exploring emerging market opportunities, trends and changing customer preferences
  • Build and offer suitable propositions to our customers
  • Deliver best in class service to our customers


In our endeavour to reach out to rural market, the Bank has identified six main ecosystems, which include farmers, dealers, self-employed persons, corporates, institutions and micro-entrepreneurs.

The farmer ecosystem includes participants like farmers, seed producers, agri-input dealers, warehouses, agri-equipment dealers, commodity traders and agri processors. Products offered include working capital loans through the Kisan Credit Card and gold loans, and term loans for farm equipment, dairy livestock purchase and farm development. The dealer ecosystem comprises dealers/distributors of farm equipment, white goods, and pharmaceutical manufacturers. The self-employed ecosystem comprises rural entrepreneurs who are engaged in trading and manufacturing activities based out of commercial and industrial areas in the rural market dealing with both agri and non-agri related products. The rural ecosystem of corporates includes manufacturing and processing units, employees, dealers and suppliers. The institutional segment comprises schools, colleges, hospitals and government offices. The micro-lending space includes women from the lower-income strata of the population, non-government organisations and other institutions working at the grassroot level in the rural economy. .

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