FD Process Manual _FST

ICICI HFC Fixed Deposits Do’s & Don’ts

Index Topic Slide Number Channel Owners 3 New Individual FD application New Entity application (Non-individual & Corporate) 5 - 10 How to capture sourcing details 11 - 13 Service Request – Type and Process 14 - 15 Broker Onboarding 16 - 23 Brokerage Payouts 24 – 26 Experience Enablers 27 – 28 29 - 30

Channel Owners

Channel Owners FPR FST Channel TBM ICICI Bank – Retail, SAG, ETRG FST / TMA (Sourcing Employee) ICICI Bank – Wealth, IB, ETRG, Others TMA TBM IFA TBM DMA FST ND – Fixed Deposits NDMA RP

Individual Applications (Resident Individual, NRI & HUF)

Resident Individual (RI) Activity Details Type of Application Online Payment Integrated Payment Gateway Form Link Exception: Cheque (Only through CMS) /RTGS/NEFT/ FT in case of High Value Transaction Documents Partner (IFA, ND, DMA, NDMA, RP) - https://www.icicihfc.com/fixed-deposit/fd-online-application- form/broker-details?icid=fixed%20deposit_Broker_navigation Points to remember ICICI Group Employee (ICICI Bank, ICICI HFC, ICICI Securities) – https://www.icicihfc.com/fixed-deposit/fd-online-application-form/self- referral?icid=fixed%20deposit_ICICI%20Group%20Employee_navigation Aadhaar Card, PAN Card, Cancelled Cheque 1. Payment to be done from Primary applicant’s Bank account only. 2. All documents uploaded should be clear and no blank document should be uploaded. 3. In case of Fund Transfer from ICICI Bank account, inform ICICI Bank employee to enter customer application number in the Narration while initiating FT. 4. In case of exception such as Bulk Deposit or issue with uploading Aadhaar XML, offline form can be used. SR needs to be raised in such case. 5. In case of offline payment (Cheque/NEFT/RTGS/FT) for online application proper details should be entered while filling online form. 6. CMS should be used for payment through cheque including in case of payment through ICICI Bank account. TAT: T + 5 Days for FDR dispatch

Sourcing Details – Partner Sourced (IFA,ND, NDMA, DMA, RP) Name of IFA,ND, DMA, NDMA RP ID of IFA,ND, DMA, NDMA RP Sub-Broker ID (If applicable) HFC Employee ID Broker email ID Broker mobile number

Sourcing Details – I Group partner sourced (I Bank / I Sec) ICICI Bank/ICICI Sec employee name I Group Company Name HFC Employee ID ICICI Bank/ICICI Sec employee mobile no. ICICI Bank/ICICI Sec employee ID ICICI HFC SOL ID

Non-Resident Individual (NRI) Activity Details Type of Application Offline Payment Form Link Cheque (Only through CMS) / RTGS / NEFT / FT Documents https://www.icicihfc.com/content/dam/hfc-icici/pdfs/corporate/en/Individual_Form_Sep_05_2020.pdf FCRM SR Path Application Form, Address Proof, PAN copy, FATCA, 10F, DTAA, Photo, Copy of Passport Points to HFC – FD Related HFC – Creation of New FD remember 1. Payment to be done from Primary applicant’s Bank account only. 2. All documents should be clear and OSV stamp should be attested by Sourcing Broker or employee 3. In case of Fund Transfer from ICICI Bank account, inform ICICI Bank employee to enter cheque number and customer name in narration. 4. CMS should be used for payment through cheque including in case of payment through ICICI Bank account. 5. Application should be submitted via SR only. TAT: T + 5 Days for FDR dispatch

Hindu Undivided Family (HUF) Activity Details Type of Application Payment Offline Form Link Cheque (Only through CMS) / RTGS / NEFT / FT Documents https://www.icicihfc.com/content/dam/hfc-icici/pdfs/corporate/en/Individual_Form_Sep_05_2020.pdf FCRM SR Path Application Form, Address Proof, PAN copy of HUF, PAN of Karta, Declaration from Co-parceners for acceptance of Points to remember deposits. HFC – FD Related HFC – Creation of New FD ICICI Bank existing 1. Payment to be done from HUF Bank account only. Customer (Sourced 2. All documents should be clear and OSV stamp should be attested by Sourcing Broker or employee by ICICI Bank) 3. In case of Fund Transfer from ICICI Bank account, inform ICICI Bank employee to enter cheque number and customer name in narration. 4. CMS should be used for payment through cheque including in case of payment through ICICI Bank account. 5. Application should be submitted via SR only. Document: Application Form, Consent Form, Address Proof (In case Aadhaar was submitted as Proof of Address to ICICI Bank) Points to remember: Re-KYC should not be due TAT: T + 5 Days for FDR dispatch

Entity Applications (Non-Individual & Corporate)

Non - Individual Activity Details Type of Application Offline Type of Entities Payment Firms, Trust, Association, Societies, Clubs Form Link Cheque (Only through CMS) / RTGS / NEFT / FT Documents https://www.icicihfc.com/content/dam/hfc-icici/pdfs/corporate/en/Non_Individual_Form_Sep_05_2020.pdf FCRM SR Path Application Form, Address Proof of the entity, PAN of entity, Registration Certificate, Formation Document Points to remember (MOA, AOA, Trust Deed etc as applicable), PAN of authorized signatory, Address proof of authorized signatory, photo of authorized signatory ICICI Bank existing HFC – FD Related HFC – Creation of New FD Customer (Sourced by ICICI Bank) 1. Payment to be done from entity account only. 2. All documents should be clear and OSV stamp should be attested by Sourcing Broker or employee 3. In case of Fund Transfer from ICICI Bank account, inform ICICI Bank employee to enter cheque number and customer name in narration. 4. CMS should be used for payment through cheque including in case of payment through ICICI Bank account. 5. Application should be submitted via SR only. Document: Application Form, Consent Form, Formation Document, Address Proof (In case Aadhaar was submitted as Proof of Address to ICICI Bank) Point to Remember: All signatories should be same as with ICICI Bank. Re-KYC should not be due TAT: T + 5 Days for FDR dispatch

Corporate Details Activity Type of Application Offline Type of Entities Payment Pvt Ltd Company, Public Ltd Company, Statutory Govt Bodies, FI & Banks, Local Government Bodies Form Link Documents Cheque (Only through CMS) / RTGS / NEFT / FT FCRM SR Path Points to remember https://www.icicihfc.com/content/dam/hfc-icici/pdfs/corporate/en/Corporate_From_Sep_05_2020.pdf Application Form, Address Proof of the entity, PAN of entity, Registration Certificate, Formation Document ICICI Bank existing (MOA, AOA, etc as applicable), PAN of authorized signatory, Address proof of authorized signatory, photo of Customer authorized signatory (Sourced by ICICI Bank) HFC – FD Related HFC – Creation of New FD 1. Payment to be done from entity account only. 2. All documents should be clear and OSV stamp should be attested by Sourcing Broker or employee 3. In case of Fund Transfer from ICICI Bank account, inform ICICI Bank employee to enter cheque number and customer name in narration. 4. CMS should be used for payment through cheque including in case of payment through ICICI Bank account. 5. Application should be submitted via SR only. Document: Application Form, Consent Form, Formation Document Address Proof (In case Aadhaar was submitted as Proof of Address to ICICI Bank) Point to Remember: All signatories should be same as with ICICI Bank. Re-KYC should not be due TAT: T + 5 Days for FDR dispatch

How to capture sourcing details

Sourcing Details - Sample Direct Sourcing Channel (IFA,ND,NDMA, DMA & RP) ICICI Bank

Service Requests

Frequent Service Requests Request Type Documents Required SR Path Lien marking request Lien Marking: 1. SOA 2. Sanction Letter with customer Type 1: HFC mentioning lien and lien FD amount. Type 2: Miscellaneous related HFC Type 3: Miscellaneous related HFC Removal of Lien: 1. Customer request for pre-maturity Request Type: Request for lien marking or Removal (if applicable) 2. FDR 3. iprocess note approval of RPM Type 1: HFC or above Type 2: FD Related HFC Type 3: Pre-mature Withdrawal/Normal maturity Request Pre Maturity of FD 1. Duly Discharge FDR 2. Customer Request letter Type 1: HFC Update 15G/ 15H 1. 15G/15H form 2. Copy of FDR Type 2: Miscellaneous related HFC Type 3: Miscellaneous related HFC Correction in FDR 1. Copy of application form. 2. Original FDR Request Type: Update 15G / 15H Query on interest paid to customer 1. Copy of FD 2. Details of interest amount Type 1: HFC Type 2: Miscellaneous related HFC Final Interest Certificate 1. Customer Request Form 2. Copy of FDR Type 3: Miscellaneous related HFC Request Type: Request for change in FDR Type 1: HFC Type 2: Miscellaneous related HFC Type 3: Miscellaneous related HFC Request Type: Wrong Interest Amount Credited Type 1: HFC Type 2: Miscellaneous related HFC Type 3: Miscellaneous related HFC Request Type: Request Interest CertificateHFC FD TAT: T + 2 Days

Service Requests List of Service Request Available 15G / 15H / Tax exemption Update Do’s TDS certificate / Tax Certificate Pre-maturity request / Maturity request (Pre April 2018 FDs) Make sure to raise SR in FCRM Dispatch of FDR / FD Rectification/Repayment account change for all request Loan against Deposits/Change of maturity instructions Change/Update of Details/email IDs/Mobile Number Documents should be properly Death Claim uploaded & should be clear Make sure to sent all documents to IHFC Central Operations for storage. For offline sourced cases, make sure SR is raised for new applications

Points to remember - Service Request Note: • Please make sure all documents in SR are uploaded in single PDF file. Upload the same in grey scale format. • Documents can be uploaded in TIF format also • Make sure that for all requests SRs are raised and emails are avoided. • Raising SR will make sure that all request are tracked and the process becomes simpler. Documents Dispatch Address:- Address - ICICI HFC Central Operations: Fixed Deposits Operations Department, ICICI Home Finance Company Ltd, ICICI HFC Tower, Near JB Nagar Metro Station, JB Nagar, Andheri East, Mumbai – 400 059.

Sample SR FD No. Note: • Account Number should be mentioned as - “000000000000”. • FD Number wherever applicable should be properly filled.

Service Request – Paths: Page 1 Purpose Sourcing Type1 Type2 Type3 Account Channel Request Type TAT Documents Number NA Required T+2 Creation of New All Channels HFC FD Related HFC Creation of New FD 0 HFC Branch 1. Application form 2. FD_HFC Branch T+2 KYC documents (self T+2 attested and OSV)3. Maturity in case All Channels HFC Miscellaneous Miscellaneous 0 HFC Branch / ICICI Bank Applicant Death Claim T+2 of death of related HFC request HFC Branch T+2 Copy of cheque (if applicant T+2 applicable). In case of T+2 Change of All Channels HFC Miscellaneous Miscellaneous 0 HFC Branch / ICICI Bank Change of address T+2 payment through Address All Channels related HFC request HFC Branch NEFT/RTGS/FT kindly All Channels mention the reference Change of HFC Miscellaneous Miscellaneous 0 HFC Branch / ICICI Bank Change of maturity Maturity All Channels related HFC request HFC Branch instructions ID in notes Instructions All Channels 1. Death Certificate 2. HFC Miscellaneous Miscellaneous 0 HFC Branch / ICICI Bank Change/Update email ID Change/Update related HFC request HFC Branch Original email ID of the FDR/Indemenity (in primary account HFC Miscellaneous Miscellaneous 0 HFC Branch / ICICI Bank Change/Update mobile case of lost FDR) 3. related HFC request HFC KYC of the nominee 4. holder Branch Number Death Claim Form 1. Customer Request Change/Update HFC Miscellaneous Miscellaneous 0 HFC Branch / ICICI Bank Nominee Updation form 2. Address Proof mobile number related HFC request HFC Branch of the primary 1. Maturity instruction account holder form. 2. Copy of FD Change / Update 1. Customer Request Nominee Form 2. ID Proof Copy LAD repayment All Channels HFC Miscellaneous Miscellaneous 0 HFC Branch / ICICI Bank Repayment of loan against 1. Customer Request related HFC request HFC Branch FD Form 2. ID Proof Copy 1. Customer Request Form 1. Repayment Details 2. Copy of the FDR

Service Request – Paths: Page 2 Purpose Sourcing Type1 Type2 Type3 Account Channel Request Type TAT Documents Miscellaneous request Number HFC Branch Request Provisional Interest Certificate Required / ICICI Bank Provisional Interest All HFC Miscellaneous related HFC 0 T+2 1. Customer Request Certificate Channels HFC Miscellaneous request 0 Branch Form 2. Copy of FDR 0 HFC Branch TDS Certificate All HFC Miscellaneous related HFC / ICICI Bank Request TDS Certificate T+2 1. Customer Request Channels HFC Miscellaneous request 0 Form 2. Copy of FDR Branch Final Interest All HFC Miscellaneous related HFC 0 HFC Branch Request Interest Certificate_HFC FD T+2 1. Customer Request Certificate Channels HFC 0 / ICICI Bank Form 2. Copy of FDR 0 Lien marking All HFC Miscellaneous related Miscellaneous request 0 Branch Request for lien marking or Removal Lien Marking: 1. SOA request Channels HFC HFC 0 2. Sanction Letter with HFC Branch customer mentioning / ICICI Bank lien and lien FD Branch amount. Removal of T + 2 Lien: 1. Customer HFC Branch / ICICI Bank request for pre- maturity (if applicable) Branch 2. FDR 3. Iprocess note HFC Branch / ICICI Bank approval of RPM or above Branch Correction in FDR All HFC Miscellaneous related Miscellaneous request HFC Branch Request for change in FDR T+2 1. Copy of application Channels HFC HFC / ICICI Bank form. 2. Original FDR Re-dispatch of lost All HFC Miscellaneous related Miscellaneous request Branch 1. Copy of FD 2. FDR Channels HFC HFC HFC Branch Request for re-dispatch of FD (Original Receipt Lost) T + 2 Indemnity 3. Request / ICICI Bank Miscellaneous related Miscellaneous request letter from customer HFC HFC Branch Re-dispatch of RTO All HFC HFC Branch Request for re-dispatch of FD (Receipt Returned to T+2 NA FDR Channels Miscellaneous related Miscellaneous request / ICICI Bank Origin) HFC HFC Update 15G/ 15H All HFC Branch Update 15G / 15H T+2 1. 15G/15H form 2. Channels Miscellaneous related Miscellaneous request Updation of PAN Copy of FDR HFC HFC Update PAN in case 1. Copy of FD 2. Copy Form 60 submitted All of PAN (Self attested & at account opening Channels HFC T + 2 OSV) 3. Customer Request letter

Service Request – Paths: Page 3 Purpose Sourcing Type1 Type2 Type3 Account Channel Request Type TAT Documents Required Number Query on interest paid to All HFC Miscellaneo Miscellaneous request 0 HFC Branch Wrong Interest T+2 1. Copy of FD 2. Details of interest amount us related HFC / ICICI Bank Amount Credited customer Channels HFC Branch ICICI Bank 1. Application form 2. Consent form (if applicable) 3. KYC documents (self attested Creation of New FD_ICICI ICICI Bank HFC FD Related Creation of New FD account Number ICICI Bank NA T+2 and OSV - if applicable) 4. Copy of cheque Bank Branch HFC / 0 (In case Branch (if applicable) customer is New to ICICI Bank) All HFC Branch Channels Loan against FD HFC New FD Loan against FD - HFC 0 / ICICI Bank NA T+2 1. LAD agreement 2. Original FDR Branch Non - Individual / Corporate All HFC Tax Request for exemption 0 HFC Branch NA T+2 1. Copy of FDR 2. Tax exemption certificate Exemptions / ICICI Bank Tax Exemptions Channels Branch Rectify / Update repayment All Updation of Rectification in HFC Branch 1. Customer Request Form 2. Cancelled Name/Addre address/Bank Cheque account details Channels HFC details/Nominee 0 / ICICI Bank NA T+2 ss-HFC Branch T + 1 (For value Pre Maturity of FD All HFC FD Related Pre-mature 0 HFC Branch NA up to Rs 2 Crore) 1. Duly Discharge FDR 2. Customer Channels HFC Withdrawal/Normal / ICICI Bank T + 2 (For value Request letter maturity Request Branch above Rs 2 Crore) T + 1 (For value Maturity Request (Pre April All HFC FD Related Pre-mature 0 HFC Branch NA up to Rs 2 Crore) 1. Duly Discharge FDR 2. Application form HFC Withdrawal/Normal / ICICI Bank T + 2 (For value in case of renewal on maturity 2018 FDs) Channels maturity Request Branch above Rs 2 Crore) All Request for issue of HFC Branch 1. Application form 2. KYC documents (self Channels Duplicate FDR attested and OSV) Dispatch of FDR - First Time HFC New FD 0 / ICICI Bank NA T+2 Branch Update PAN in case Form All HFC Miscellaneo Miscellaneous request 0 HFC Branch T+2 1. Copy of FD 2. Copy of PAN (Self attested 60 submitted at account Channels us related HFC / ICICI Bank Updation of PAN & OSV) 3. Customer Request letter opening HFC Branch

Broker Onboarding

Onboarding of Brokers Individual Brokers Online Process: www.myicicihfcfd.com Non Individual(incl.HUF) & Corporate Brokers Offline Process – Physical application form & KYC documents to be submitted Important Points: • Broker Form Download: https://www.icicihfc.com/fixed-deposit > Fixed Deposits Documents • All documents(PDF & KYC for online and physical documents for offline) to be submitted to IHFC Central Operations, Mumbai 25

Document Checklist 26

Brokerage Pay-outs

Brokerage Pay-outs Payout Team will release unregistered payouts and will share invoices to registered brokers by 10th of every month. The data will be uploaded on Bumblebee by 12th of every month. Any query pertaining to payouts to be mailed to [email protected] and will be reverted within 48 working hours.

Experience Enablers

Experience Enablers

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