ICICI Bank: Microfinance in India

by: C.K. Prahalad

Publication Date: December 1, 2010
Length: 25 pages
Product ID#: 1-429-154

Core Disciplines: Base of the Pyramid, Entrepreneurship & Innovation, Information - Technology & Management, International Business, Strategy & Management

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As the second-largest bank in India, ICICI Bank has led multiple initiatives to provide banking services at an affordable costs to the poor. ICICI has partnered with others to co-locate ATMs with rural Internet kiosks, and explore SmartCard technology to provide secure, low-cost transactions and loan management. More importantly, ICICI Bank has created a network of eight thousand Self Help Groups, each with twenty women, to serve as the vehicle for creating successful, micro-financed businesses. In the process, ICICI Bank has given these women the means to transform their social and economic lives, their families, and their villages.