Track ICICI Bank Ltd live share price with 52 week high and low, interactive chart views, quick fundamentals, financial highlights, shareholding pattern, ratios, peer comparison, dividends, bonuses/splits and beginner-friendly FAQs.
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ICICI Bank primarily earns money by accepting customer deposits and lending to retail, business, rural and corporate borrowers. The spread between interest earned on loans and investments and interest paid on deposits is reflected in net interest income and net interest margin.
The bank also earns non-interest income from credit cards, debit cards, account services, payment solutions, loan processing, trade finance, foreign exchange, treasury operations, wealth products and distribution of insurance or investment products. A broad customer base and digital adoption support cross-selling, but the bank must manage credit risk, technology risk and regulatory requirements carefully.
For article writing, explain that a bank’s growth is not only about loan expansion. Deposit quality, CASA ratio, asset quality, capital adequacy and provision levels are equally important for long-term monitoring.
ICICI Bank is commonly viewed through retail banking, business banking, rural banking, corporate banking, treasury and subsidiaries. Segment mix helps investors understand where loan growth, fee income and risk are coming from.
| Area | FY2025 / Mar 2025 | FY2026 / Mar 2026 | Why it matters |
|---|---|---|---|
| Retail loan portfolio | 52.4% of total loan portfolio | 50.4% of total loan portfolio | Shows exposure to home loans, vehicle loans, cards, personal loans and other retail credit |
| Business banking portfolio | Grew 33.7% year-on-year | Grew 24.4% year-on-year | Reflects lending and services to small businesses and commercial customers |
| Rural portfolio | Grew 5.1% year-on-year | Grew 25.6% year-on-year | Shows growth in rural and priority-sector-linked banking opportunities |
| Domestic corporate portfolio | Grew 11.9% year-on-year | Grew 9.3% year-on-year | Tracks corporate credit exposure and wholesale banking momentum |
| Branch and ATM network | 6,983 branches and 16,285 ATMs / cash recycling machines | 7,511 branches and 12,087 ATMs / cash recycling machines | Distribution reach matters for deposits, service and customer acquisition |
| Key subsidiaries | Insurance, asset management, securities and home finance businesses | Insurance, asset management, securities and home finance businesses | Subsidiaries can add consolidated earnings but should be monitored separately |
Segment definitions and percentages can change. Verify the latest segment data from ICICI Bank results, annual reports and official NSE/BSE filings before publishing.
| Particulars | FY2024 | FY2025 | FY2026 |
|---|---|---|---|
| Net interest income | ₹74,306 Cr | ₹81,165 Cr | ₹88,075 Cr |
| Non-interest income | ₹22,949 Cr | ₹26,603 Cr | ₹29,560 Cr |
| Fee income | ₹20,796 Cr | ₹23,870 Cr | ₹25,742 Cr |
| Operating expense | ₹39,133 Cr | ₹42,372 Cr | ₹47,234 Cr |
| Core operating profit | ₹58,122 Cr | ₹65,396 Cr | ₹70,401 Cr |
| Provisions | ₹3,643 Cr | ₹4,683 Cr | ₹5,380 Cr |
| Profit before tax | ₹54,488 Cr | ₹62,616 Cr | ₹66,219 Cr |
| Profit after tax | ₹40,888 Cr | ₹47,227 Cr | ₹50,147 Cr |
Financial numbers should be verified from ICICI Bank results, annual reports and official exchange filings. Prior period figures may be regrouped by the company.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Capital | ₹1,405 Cr | ₹1,425 Cr | ₹1,432 Cr |
| Reserves and surplus | ₹2,35,589 Cr | ₹2,88,582 Cr | ₹3,33,257 Cr |
| Deposits | ₹14,12,825 Cr | ₹16,10,348 Cr | ₹17,94,625 Cr |
| Borrowings | ₹1,24,968 Cr | ₹1,23,538 Cr | ₹1,24,994 Cr |
| Other liabilities and provisions | ₹95,323 Cr | ₹92,277 Cr | ₹1,15,541 Cr |
| Total capital and liabilities | ₹18,71,515 Cr | ₹21,18,240 Cr | ₹23,72,531 Cr |
| Cash and balances with RBI | ₹89,712 Cr | ₹1,19,928 Cr | ₹1,21,024 Cr |
| Investments | ₹4,61,942 Cr | ₹5,04,757 Cr | ₹4,92,217 Cr |
| Advances | ₹11,84,406 Cr | ₹13,41,766 Cr | ₹15,53,893 Cr |
| Fixed assets | ₹10,860 Cr | ₹12,839 Cr | ₹13,922 Cr |
| Other assets | ₹74,381 Cr | ₹73,316 Cr | ₹82,164 Cr |
| Total assets | ₹18,71,515 Cr | ₹21,18,240 Cr | ₹23,72,531 Cr |
Balance sheet classifications can change. Verify deposits, advances, investments and capital figures from the latest official filings.
| Area | FY2025 / Mar 2025 | FY2026 / Mar 2026 | Why it matters |
|---|---|---|---|
| Retail loan portfolio | 52.4% of total loan portfolio | 50.4% of total loan portfolio | Shows exposure to home loans, vehicle loans, cards, personal loans and other retail credit |
| Business banking portfolio | Grew 33.7% year-on-year | Grew 24.4% year-on-year | Reflects lending and services to small businesses and commercial customers |
| Rural portfolio | Grew 5.1% year-on-year | Grew 25.6% year-on-year | Shows growth in rural and priority-sector-linked banking opportunities |
| Domestic corporate portfolio | Grew 11.9% year-on-year | Grew 9.3% year-on-year | Tracks corporate credit exposure and wholesale banking momentum |
| Branch and ATM network | 6,983 branches and 16,285 ATMs / cash recycling machines | 7,511 branches and 12,087 ATMs / cash recycling machines | Distribution reach matters for deposits, service and customer acquisition |
| Key subsidiaries | Insurance, asset management, securities and home finance businesses | Insurance, asset management, securities and home finance businesses | Subsidiaries can add consolidated earnings but should be monitored separately |
For banks, segment movement is often more useful than a simple cash flow view. Verify the latest segment, loan mix and subsidiary data from official company and exchange filings.
| Metric | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Net interest margin | Verify FY2024 filing | 4.32% | 4.32% |
| Gross NPA ratio | 2.16% | 1.67% | 1.40% |
| Net NPA ratio | Verify FY2024 filing | 0.39% | 0.33% |
| Provisioning coverage ratio | Verify FY2024 filing | 76.2% | 75.8% |
| Total capital adequacy ratio | Verify FY2024 filing | 16.55% | 17.18% |
| CET-1 ratio | Verify FY2024 filing | 15.94% | 16.35% |
| Average CASA ratio | Verify FY2024 filing | 38.4% in Q4 | 38.6% in Q4 |
| Profit after tax growth | Verify FY2024 filing | 15.5% YoY | 6.2% YoY |
Ratios can be calculated differently across sources. Use official results and annual reports for final publishing.
| Company | Approx. Market Cap | Approx. Price | P/E | Dividend Yield | Investor comparison angle |
|---|---|---|---|---|---|
| ICICI Bank Ltd | ₹9.5 lakh Cr+ | ₹1,300+ | 17x-18x | ~0.8% | Large private sector bank with strong retail and corporate franchise |
| State Bank of India | ₹9 lakh Cr+ | ₹1,000+ | Around 11x | ~1.7% | Largest public sector bank and broad benchmark for Indian banking |
| Axis Bank Ltd | ₹4 lakh Cr+ | ₹1,300+ | Around 16x | Below 0.2% | Private sector peer with retail, SME and corporate banking mix |
| Kotak Mahindra Bank Ltd | ₹4 lakh Cr+ | ₹2,000+ | Premium multiple | Below 0.2% | Private bank peer often compared on CASA, asset quality and valuation |
| Bank of Baroda | ₹1 lakh Cr+ | Market-linked | Public bank multiple | Varies | Public sector banking peer for credit growth and asset quality comparison |
| IndusInd Bank Ltd | Market-linked | Market-linked | Varies | Varies | Private bank peer with different risk and deposit profile |
Peer valuation data changes daily. Use live market data and official filings for final market cap, P/E, dividend yield and return ratio comparisons.
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2025-26 | Board recommended ₹12 per share | Subject to shareholder/regulatory approvals and record/book closure dates; verify official exchange filings |
| FY 2024-25 | Board recommended ₹11 per share | Verify payment status, record date and tax treatment from official dividend history and exchange filings |
| Earlier years | Dividend history varies by year | Use ICICI Bank investor relations and NSE/BSE corporate action data for exact amounts and dates |
| Action | Detail | Note |
|---|---|---|
| Bonus issue | Past bonus issue: 1:10 | Verify ex-date, record date and adjustment history from official exchange filings before using for calculations |
| Stock split | Past face value split from ₹10 to ₹2 | Verify the complete split history and adjusted price data from NSE/BSE records |
| Current face value | ₹2 per equity share | Confirm from the latest annual report or exchange filing when publishing |
Dividend, bonus and split information should always be verified from ICICI Bank investor relations pages and official NSE/BSE corporate action filings. Historical corporate actions can affect adjusted prices and per-share comparisons.
These FAQs help users understand ICICI Bank beyond the share price, including banking products, business model, risks, dividends, corporate actions, shareholding and investment monitorables.
ICICI Bank is a large Indian private sector bank serving retail customers, NRIs, small businesses, corporates and institutions. Its services include savings accounts, current accounts, fixed deposits, credit cards, debit cards, home loans, personal loans, vehicle loans, business banking, trade services, UPI, net banking, mobile banking, wealth products, insurance distribution and payment solutions.
ICICI Bank trades on NSE under the symbol ICICIBANK and on BSE under the code 532174. This page uses ICICIBANK.NS for Yahoo Finance-compatible live chart and quote data.
The bank earns interest income by lending to retail, business, rural and corporate borrowers and by investing funds. It also earns fee income from cards, payments, account services, foreign exchange, trade services, treasury operations and distribution of financial products.
Beginners should monitor deposit growth, loan growth, CASA ratio, net interest margin, gross and net NPA ratios, provisioning coverage, capital adequacy, return ratios, valuation multiples, dividends and management commentary. These factors are educational monitorables, not buy or sell signals.
ICICI Bank is commonly studied through retail banking, business banking, rural banking, wholesale or corporate banking, treasury, digital channels and subsidiaries or group businesses such as insurance, asset management, securities and home finance. Segment definitions can change, so verify the latest filings.
ICICI Bank is a private sector bank. It is professionally managed and does not have a conventional promoter holding structure like many founder-led companies.
ICICI Bank has paid dividends in various years and the board may recommend dividends subject to approvals, record dates and applicable rules. Always verify dividend amounts and dates from ICICI Bank investor relations pages and NSE/BSE corporate action filings.
ICICI Bank has had historical corporate actions such as a past stock split and a past bonus issue. Verify the complete bonus, split, face value and record date history from official exchange filings before using it for calculations.
Important risks include slower loan or deposit growth, pressure on net interest margin, rising credit costs, higher NPAs, regulatory changes, technology or cyber risk, competition, interest rate changes, treasury volatility and broader economic weakness.
Customers should compare interest rates, fees, minimum balance rules, card charges, reward terms, processing fees, foreclosure charges, repayment terms, digital banking experience, branch access and complaint resolution before choosing a banking product.
Customers should use only official websites and apps, enable alerts, set sensible transaction limits and never share OTP, PIN, CVV, passwords or UPI PIN. Suspicious transactions should be reported quickly through official customer care or fraud reporting channels.
Live price shows what the market is paying for the share at a point in time, while fundamentals describe business performance such as profitability, deposits, loans, asset quality, capital adequacy and earnings quality.
Investors should verify the latest results, annual reports, shareholding pattern, dividend announcements, bonus updates and split information from ICICI Bank investor relations and official NSE/BSE filings.
No. This page is designed for education, monitoring and basic research. Investors should do their own research or consult a qualified financial adviser before making investment decisions.
