ICICI Bank

ICICI Bank is one of India’s largest private sector banks, headquartered in Mumbai. Established in 1994 as part of the Industrial Credit and Investment Corporation of India, it was created to support the growth of Indian industries. Today, ICICI Bank offers a wide range of banking services, including savings and current accounts, loans, credit cards, insurance, and investment products for both individuals and businesses. The bank has a strong presence across India with nearly 7,000 branches and over 16,000 ATMs as of March 2025, and it also operates internationally in countries like the UK, Canada, the US, and Singapore.

Company Insights
The company has a market capitalization of 10,21,223 crores
The share price of the company is 1,432
The book value of the company is 438
The company's debt-to-equity ratio is 5.97
The company's annual dividend yield is 0.70%
The company's stock P/E is 20.0
The earnings per share are 71.6
The company's ROCE is 7.88%

Financial Report
The company's sales in the last 5 years
Sales in 2021 is 89,163 crores
Sales in 2022 is 95,407 crores
Sales in 2023 is 1,21,067 crores
Sales in 2024 is 1,59,516 crores
Sales in 2025 is 1,86,331 crores

The company's profit in the last 5 years
Profit in 2021 is 20,364 crores
Profit in 2022 is 26,538 crores
Profit in 2023 is 35,461 crores
Profit in 2024 is 46,081 crores
Profit in 2025 is 54,569 crores

Sales & Profit Growth
The company's sales growth in the last 5 years
Sales growth in the last 5 years is 17.0%
Sales growth in the last 3 years is 25.0%
Sales growth in the last 1 year is 16.8%

The company's profit growth in the last 5 years
Profit growth in the last 5 years is 39.8%
Profit growth in the last 3 years is 26.7%
Profit growth in the last 1 year is 15.3%

Holdings
FIIs are 45.83%
DIIs are 44.77%
Government are 0.27%
Public are 9.12%

Company News

• ICICI Bank, one of India’s leading private sector banks, has announced a reduction in its fixed deposit (FD) interest rates following the Reserve Bank of India’s recent repo rate cut. The new FD rates, effective from June 9, 2025, have been lowered by up to 25 basis points for deposits below ₹3 crore across different tenures. For regular customers, the interest rates now range from 3% to 6.6%, while senior citizens can earn between 3.5% and 7.1%, depending on the duration of the deposit. For example, the rate for FDs of 46 to 90 days has been reduced from 4.25% to 4%, and for longer tenures of 2 years 1 day to 10 years, the rate has dropped from 6.75% to 6.6%.

• ICICI Bank is the first major bank to lower FD rates after the RBI’s 50 basis point repo rate cut on June 6, 2025. The bank has also revised its recurring deposit (RD) rates, with new rates ranging from 4.5% to 6.6% for general customers and 5% to 7.1% for senior citizens. This move is in line with the RBI’s efforts to make borrowing cheaper and boost economic growth.

Technical Analysis

Company Chart

Moving Averages (MA)

• The stock price is above the 50-MA, which indicates that it may continue to rise.

• The stock price is above the 200-MA, which indicates that it may continue to rise in the long term.

Relative Strength Index (RSI)

Currently, the RSI of the company is 53, which indicates that the stock is neither overbought nor oversold.

My Analysis

The company's sales and profits are growing every year. The company has decreased its FD interest and loan interest rates after the RBI cut the repo rate. The stock price has shown growth, but currently it seems to be going downward for the short term.