Vidya Vikasa Trust was established in January 2002. The Trust is registered as a Charitable Trust is basically striving hard for a commitment to the cause of the education of the economically weaker sections of students' community particularly for Blind Students Education by Providing Financial Assistance in various Forms with the help of Public Donations.
While visually impaired Student will complete his / her education with Donor's Financial Assistance, the Donor in India gets Income-Tax exemptions benefits under 80(G) of Income-Tax Act 1961 The Interest realized is being utilised for ECONOMICALLY BACKWARD MERITORIOUS BLIND STUDENTS by providing financial Assistance in addition to (a) Tape Recorders, (b) Detecting Walking Sticks,
Due to pressure created by the section of Blind Students Trust formulated a Project/scheme under the Title "Literacy Mission for Blind & awareness of Educational Support". Under this scheme Trust will take care of the services of Blind Student by providing Scholarships / financial Assistance , Tape Reorders, Brail watches, Brail literature in the form of cassettes, computers, food to needy, medicines, kits, uniforms and other social welfare activities for the visually impaired students. The Trust has started to award SCHOLARSHIPS to BLIND STUDENTS not only during 2004-2005 but also during 2005-2006 & 2006-07,2007-08,2008-09. So far the Trust has awarded 141 visually impaired Students of both Rural Urban areas.
SlYearNos.,No., Of Scholarship
1.2002-03 21 -----
2.2003-04 169-----
3.2004-05 1732 Students
4.2005-06 18813 Students
5.2006-07 22536 Students
6.2007-08 25645 Students
72008-0927545 Students
82009-1028945 Students
Total1307286 Students

So, we are now appealing & requesting you to join our hands through your valuable & generous contribution to Blind students Scholarship Fund & help the blind students to pursue their further studies. The success of the project largely depends upon your HELP. Please COME & JOIN US:
Kindly send your generous contribution by Cheque /Demand Draft Payable at Bangalore. "Shankaranaryana Nilaya", #225(B) (20) 37 th Cross 2ndBlock Rajajinagar Bangalore –560010 Karnataka India Contact no: 091-080-23320918

Thanking you,

Yours Faithfully

For Vidya Vikasa Trust (R)

(M.R.S.MURTHY)

President

ICICI Bank is charging different floating interest rates to its new and existing home loan customers. When interest rates went up, ICICI Bank immediately increased the floating interest rates for its existing customers. Now when RBI has reduced key rates, ICICI bank is passing on the benefits only to the new customers and not to existing customers. Existing customers are still being charged at rate of 13.25% while new customers are being offered lower floating interest rates of 9.25-10%. Over and above this, they are also charging pre-payment penalty so that existing customers cannot switch to other banks which are offering home loan at lower interest rates. Let us all sign the following petition against the bank. RBI should intervene to stop this practice.

http://www.petitiononline.com/bagla27/petition.htm...

Spread the awareness of this petition.

ICICI Bank SUCKS Big time. Mr. Kamath I hope you're hearing out your unhappy customers rather than go expanding your company, with hollow promises to new customers!!

DEAR SIR,
I HAVE EXPERIANCE WITH ONLY ICICI BANK APROX 6 YEARS OLD,
IN PERSONAL LOAN DEPT., AS A SALES OFFICER IN DELHI CITY. BUT WRITE NOW
I AM SEARCHING A JOB. REALY I THINK WAS TIME WASTE?
I PROVIDE MANY NEW CUSTOMER AND AMMOUNT TO THE ICICI BANK BUT I AM EMPTY WHY?
NOW ONLY GOD WITH ME. IF YOY CAN ARRANGE A GOOD OFFICE JOB
IN WEST U.P.(SAHARANPUR)IN ICICI BANK BRANCH SAHARANPUT, I WILL BE VERY THANKFUL TO YOU. I COMPLETED MY M.B.A.(MARKETING) IN 1999.
REGARDS,
VIVEK BHARDWAJ

As all the banks have reduced their home loan interest rates, ICICI doesn't intent to do this. I think they believe "Jo Bakra phas gaya uska to juice nikaal lo."

honrable Sir,
hereby it is sorry to inform you about inefficient working of your ICICI Bank ltd, sec 12 Karnal.I have applied for opening of Saving Bank Account about 25 days before and i have received only a kit from your branch one week ago after 3 visitsand Account No.017301520558 was alloted to me,which has not been activated till today i.e 6 P.M of Dec,15,2008.My salary & arrear about Rs.60000/- has not been credited in my account & fate of my deposits is not known to me.This is for your information & necessary actions.
Thanks
Atam Parkash lakhina

Pl. send your mail id at my pnkotecha99@rediffmail.com
We have good offer for you,,
Thanks & Regards.

piyush kotecha
98252 28477

I write to inform I have submitted request for cheque book on 26th Nov 2008, I understand one ICICI employee had come to our house for handing over the cheque book. But he has not given the cheque book and asked for the details regarding my father's identity, and also asked him to prove that he is the my father, prove that my fathers forefather's details with the documentary proof. My father old man could not establish those details within the time span.

I am a working employee and during the day hours I willl not be available at House. If the ICICI employee would have given his appointment date and time I and my wife would have been happy and applied leave in Advance, and have waited for ICICI employee entire day to welcome him. We felt very unhappy and disappointed that we were not there during his visit. We sincerely apologise for this.

Now please let me know the current status of my cheque book where it is lying ? which place, its identity, location, zip, state, country so that we will visit there at lease once.

Srinath K
Mobile : 91+ 9449800028

K. Srinath
No.1558/2, B Block
5th A Crs, 3rd Main,
Sahakara Nagar
Bangalore-560 092 INDIA
Mobile 94498 00028

Ive got a friend who works at ICICI. He tells me customer care is the poorest thing and its given least importance. It seems life suck at ICIIC with its process all every stage. Please do not bank with ICICI Bank

These ICICI customer care (??) guys are very cleverly efficient. They have kept 4 steps to resolve a complaint and each steps has 10 official days for resolution. To get a reply to simple complaint of say " no response to Internet Banking Application" they have 40 business days for neglecting the complaint and then they come out on 41st day asking you a few more details. No wonder people spread rumours about this bank after suffering from them!!

I wish Mr. Kamath takes stock of the service activities and set right the service function.

At ICICI Bank, we believe in providing the best of services to our customers. We provide customers with easy access to information, products and services, as well as the means to get their grievances redressed. Click here to read our Complaint Handling Process (This Grievance Redressal process is also applicable for grievances relating to services provided by outsourced agencies) or if you have a grievance, please feel free to:

OR
Call our 24-hour Customer Care.

Click here for online submission of your grievance.
You will receive a response within 10 business days.

OR
If the resolution you receive does not meet your expectations, please write to
Mr. A. Kamani, Head, Customer Service.
Click here to send an e-mail to Mr. Kamani. Click here to download the grievance form. Please fill it up and post it to the address indicated on it.

You will receive a response within a period of 10 business days of Mr. Kamani receiving your communication.

OR
If you are still not satisfied with the resolution you receive, please write to
Mr. H. Mehta, Nodal Officer.
Click here to send an e-mail to Mr. Mehta.
Click here to download the complaint form. Please fill it up and post it to the address indicated on it.

You will receive a response within a period of 10 business days of Mr. Mehta receiving your
communication.

OR
If even this leaves you dissatisfied, please write to Mr. B. Madhivanan, Senior General Manager, Service Quality.
Click here to send an e-mail to Mr. Madhivanan.
Click here to download the complaint form. Please fill it up and post it to the address
indicated on it.

You will receive a response within a period of 10 business days of Mr. Madhivanan receiving your communication.

If after having followed Steps 1, 2 , 3 and 4 your issue remains unresolved, you may approach the Banking Ombudsman for redressal. Click here to read the salient features of the Banking Ombudsman Scheme 2006.
Click here for addresses of the Banking Ombudsman Offices

:P

Well compiled list, bravo!

Now for my own story...
I applied for a housing loan through ICICI, the guy came to my house, took all my documents (copies, fortunately) and then called to say I could not get the loan. But then the f*** would not return my documents and even had the gall to tell me that they were just copies afterall, and I didn't really need them...

October 01, 2008

Dear Sir/ Madam,

We greatly value your relationship with us. In the context of the developments in the international financial markets, we thought it pertinent to bring to you our perspective of the prevailing situation.

We would like to bring to your attention that the Indian banking system is well regulated and significantly insulated from global developments. This is because it is mandatory for all Indian Scheduled Commercial Banks to retain 34% of the deposit base in the form of Government Securities (SLR) and cash with RBI (CRR). Besides, sound policies of RBI have ensured prudent credit practices in the Indian Banking system.

ICICI Bank is already compliant with the BASLE II requirement in respect of risk management practices and capital adequacy. At 13.4%, ICICI Bank has one of the highest capital adequacy ratios in the Indian banking industry. Last year, ICICI Bank raised Rs. 20,000 crores (US $ 5 billion) of equity capital, which almost doubled our equity capital base. We have a net worth of over Rs. 47,000 crores (US$ 10 billion), again one of the highest in the banking industry in India We have consolidated total assets of over Rs. 4,84,000 crores (over US $ 105 billion), which is diversified across a wide range of asset classes across retail, wholesale and rural banking.

ICICI Bank is amongst the most profitable banks in India. In FY 08, ICICI Bank made a profit of Rs. 4,158 crores (US$ 900 million).

ICICI Bank has the highest credit ratings in the Indian financial sector. We have AAA ratings for our instruments, such as senior bonds, subordinated bonds, and deposits. We have the highest foreign currency bond ratings assigned to any Indian bank from Moodys and S&P.

We continue to invest in growth, indicating our confidence in the opportunities in the Indian market. In 07-08, ICICI Bank added 650 new branches, taking the total strength to over 1400 branches.

We thank you for reposing trust in us over the years. We look forward to setting new benchmarks in service levels in India and to create a bank that you will continue to be proud of.

As a testimony to the above, please find below the clarification given by Reserve Bank of India.

Date : 30 Sep 2008
RBI Statement on ICICI Bank's Financial Position
There are reports in some sections of the media that based on rumours regarding the financial strength of ICICI Bank, depositors are withdrawing cash at its ATMs and branches in some locations.

It is clarified that the ICICI Bank has sufficient liquidity, including in its current account with the Reserve Bank of India, to meet the requirements of its depositors. The Reserve Bank of India is monitoring the developments and has arranged to provide adequate cash to ICICI Bank to meet the demands of its customers at its branches/ ATMs.

The ICICI Bank and its subsidiary banks abroad are well capitalised.

Alpana Killawala
Chief General Manager

Press Release : 2008-2009/412

Sincerely,

Uma Lakhani
Office of Head Service Quality
ICICI Bank Ltd.

We believe the person who has stood by the nation when it needed. I believe the person who made the dreams of millions of people true in owning a house, car, two wheeler etc.