Current Account
Focused Attachments
Bank in your pocket
Business
Banking App
With
115 Banking
Services
InstaBIZ Mobile Application
Business Banking App With 115 Banking Services
App features for Current Account Holder
Account details Account balance, View MAB, Account variant
Tax payments GST, TDS, Income Tax
Transaction NEFT, RTGS, IMPS, Fund Transfer, Bill payment, UPI and recharges
Approvals Fund transfer, bulk payments, trade, tax
Chq related services Cheque clearing status, Stop Cheque and Multiple cheque book issuance
Service requests Debit card block/unblock, pin generation, DD creation, Open Fixed deposit
Guest Login
Non ICICI Bank customers can also experience the app
Guest Login through Experience Eazypay App
mobile number collect upto 25k via UPI
Online Current
Insta OD upto `10 Lac
account application
Demo App
InstaBIZ demo app can be downloaded from given link:
Demo app link – [Link]
In the demo app, select ‘Login as Current Account Holder’
to Login using your NT ID and password.
Corporate Internet Banking (CIB)
A comprehensive online platform for
seamless business banking experience
Features
Fund Transfer NEFT, RTGS & IMPS, Express Pay
Salary Payment (PAB Sal), Payment to Ad-hoc beneficiary (PAB) &
Bulk payments
Payment to Registered Beneficiary (PRB)
Tax payment GST, TDS, Bulk Tax, Income Tax, Indirect & Direct Taxes
Approvals Fund transfer, tax, Connected banking, CMS, Trade Online
View Access Only view access and Separate Access for Chartered Accountant
Dual authentication Dual authentication with OTP and grid for enhanced security
Multi-level maker-checker Multi-level maker-checker approvals
Services
Open FD & DD Request Open FD upto 99 crore and place request for DD online
Card requests Linking card, PIN generation , block/unblock card
Cheque related services Cheque clearing status, Stop Cheque and Multiple cheque book issuance
GST payment
ICICI Bank is an authorized bank to make GST Payments.
To generate challan, customer visits the website - [Link]
Modes of GST Payment
InstaBIZ Mobile application GST payment through NEFT
Corporate Internet Banking application GST payment through NEFT
Corporate Internet Banking (CIB) Payment on GST portal by choosing Net Banking
Branches NEFT/ RTGS
Over the counter Cash upto Rs. 10,000 per challan/ Cheque/ DD
Process for GST challan payment through NEFT online
Using CIB
Login CIB > Tax tab >Select GST > Click on ‘Pay GST’
Using InstaBIZ
InstaBIZ Login > Select ‘More’ > Under tax section, select ‘Pay GST’ >
Read and accept the NOTE > Enter CPIN, Amount and select debit account
number > Input GRID card details and OTP > Transaction initiated through NEFT
Important Note
The due date for GST payment is 20th of next month. E.g – GST for the month of August 2019 is due on 20th September 2019.
Composite dealers are required to pay GST quarterly by 18th of the month next to the quarter.
E.g – GST for the quarter Jul-Sept 2019 is due on 18th October 2019.
Cash Management Services (CMS)
CMS offers products and services to process receivables and payables effectively. It helps customers
by optimizing their cash flow position by ensuring timely collections and disbursements.
High value products
I-pay
I-Pay (Bulk Disbursement) is useful for bulk payments to specified beneficiaries by electronic mode. Single
file upload is required to make payment through multiple modes.
Activation of I-pay through InstaBIZ app
Login to InstaBIZ app > Click on ‘More’ button > Select ‘Activate I-Multipay’ > Selects the account
number and fills registration details like name, contact > Select Workflow for payment> Authenticate
with OTP > Request for I-Multipay is placed successfully
Cash collection
Customers can call our agency & place request for cash pick-up from various locations. Our Agency will visit
those locations, pick-up cash and deposit the same in customer’s account. Charges for cash pick up would
depend on the location of pick up. Apart from pick up charges, cash processing charges which would be
levied @ Rs 2 per thousand.
Benefits
• Cash-in-transit agents (CIT) for cash pick up with Armored vehicle
• Comprehensive Insurance coverage for cash-in-transit, Agency personnel produce ID card on
demand, Unique trans. ID generated for agent verification.
• Customized MIS, providing breakup location-wise, date-wise, etc.
E Collection
E- collection facilitates identification of collection details received through RTGS and NEFT. Customers can avail
customized MIS for credits received from their dealers and other business partners through RTGS and NEFT.
Charges for E-Collection would be Rs 1 per transaction. Also there would be one time set up cost of Rs 10000.
Benefits
• Customized MIS can be provided to the customer at a frequency of every 30 minutes.
• With the customized MIS, entire reconciliation process can be completely automated.
• Customer account receives credit on Real time basis, instead of day end credit.
• Ability to send mail to sender confirming the receipt & credit of funds in beneficiary's account.
Other high value CMS attachments
GBO DSB – Cash | NACH | Host to Host | IsurePay | IMPS
Low value products
Payment to ad-hoc beneficiary (PAB)
Customers can use Payment to Ad-hoc beneficiary (PAB) to make bulk payment through single file
upload without registering any beneficiary.
Steps to apply through InstaBIZ
Login to InstaBIZ app > Click on ‘More’ button > Select ‘Activate PAB’ > Select the
account number and input RM ID > Authenticate through OTP > PAB service is activated
for the customer
CMS Cheque Collection
Customers can avail cheque pick up under ‘fixed Beat Mode of operation’ - Our Bank will instruct an
Agency to visit all your locations on a daily basis at a fixed time (as required by the client) & Collect
Cheques / Demand Drafts. The key benefits of cheque pick up are:
• Customized MIS, providing breakup instrument-wise, location-wise, date-wise, Clearance
Status-wise etc.
• Access to Webcms, to check live status of instruments & download MIS.
Other low value CMS attachments
Payment to registered beneficiary (PRB) | GBO DSB - Cheque | CMS cheque collection
EazyPay app
A one stop solution for merchants to collect payments from their customers.
Invoices can be raised and merchant’s customers can pay immediately
through any convenient payment mode – Unified Payment Interface (UPI),
Credit Card, Debit Card, Internet Banking or Pockets wallet.
Process to activate
Download eazypay app from google store on registered number > Click register >
Create Virtual payment address(VPA) and select default credit account > Set 6 Digit M-Pin
Benefits to merchants
Payment can be accepted through any UPI app like GooglePay, PhonePe, Paytm, etc…
Accept all major debit & credit cards
Collection through multiple modes of payments
Sub merchant option - Employees of merchant can also collect
Range of Value Added Services such as AMEX activation, EMI, Dynamic Currency
Conversion & Cash @ POS available
Dedicated app to raise service requests such as request for additional terminals, paper roll etc.
Connected Banking
ICICI Bank has now partnered with various ERP software to provide customers the ability to do
seamless banking directly from their ERP software through Connected Banking.
This helps the customers to save time as they do not have to toggle between their ERP Software
and the bank’s internet banking platform.
Customers can track their business expenses instantly and automatically reconcile their
payments and invoice collections without entering any manual entries.
Association with 30+ leading partners such as Marge, Zoho, Bank Open.
To know more about Connected Banking partners: visit this link - [Link]
Benefits to SOs – 75 Rs. Per Connected Banking attachment.
InstaOD
An online platform to provide unsecured instant overdraft facility up to 15 lakhs
ERV Customers
Pre-qualified
Pre-qualified offer displayed to eligible customers under OFFERS tab in CIB/InstaBIZ.
After clicking ‘CAOD’ offer, customer redirected to InstaOD Platform.
Pre-approved
Customer can select desired limit. Maximum disbursement amount is limited to
pre-approved limited. Acceptance through SMS and instant disbursement.
NCA customers
Provided to new to bank customer at the time of current account opening.
Benefits to customers
Interest is levied only on the used limit and it acts as cheque protector if
fund is short and limit is available
Benefits to SOs 500 points in SOVP and 2 point in CA attachment
Why attachments?
Increases customer stickiness
Account balance, View MAB, Account variant
Higher average balance in account
Multiplier effect of MAB is higher in Current account.
Benefit in BEP
Every attachment has a revenue benefit in employee BEP.
Cost saving
Attachments help save branch cost.
