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iScore ICICI - impact on pre-approved offers and credit & loan Limits

SSV

TF Reserve
Contributor
VIP Lounge
iScore by ICICI

This discussion is to understand what is an iScore by ICICI which appears in iMobile App under " Discove" tab for SB account holders
its impact on pre-approved offers and their limits..​

What is iScore?

iScore is an internal/proprietary score score provided by ICICI Bank to its customers, on the basis of their transactions in the physical and digital world.
Before we go on to the details of how it is calculated , let us see its uses from customer perspective based on my observations:

1) iScore - its impact on Credit card pre approved offers
( Very minor role as of now, but could play a considerable role in future)..

iScore is not playing a siginificatnt role in triggering pre-approved credit card offers yet.. but in future it may be considered with some greate importance depending upon how ICICI wants to take this forward ..
I found only one instance where low iScore had resulted in no pre-approved offers for a customer.. ..in the following case..
complete details are here in this thread..

What it essentially means, iScore is playing some part in triggering pre-approved CC offers , albiet a very minor role as of now..


1719056604596.png

2) Significant role in Crdit limits on products like Credit card, Home Loan, Personal Loan , Auto loan etc.

This is where the plot thickens.. I have found quite a significant co-relation between iScore and limits offered on various Credit / Loan products ..
The higher the iScore the higher the limits offered.....

3) Essentially iScore is useful for limits offered on differnt pre-approved loans largely and to credit card limits to some extent ...


Now.. We will go into the academics of iScore,
What is an iScore, how it is built, how to improve, what are the different slabs, etc..
Here I am providing allt he screenshots of these FAQ's taken directly from iMobile App...
It is quite easy to understand...

Some basic details of iSocre..

1) This is available under " Discover " tab in iMobile app.
2) The customer had to hold a SB account to see thid option
3) In the first screen it will show your score..
4) You will find a button there to find out " how to improve your iScore?" .. these options are customized according to the cutomer's current profile..
Basically they want us to use thier different ICICI products..

Tip: Try to use as many products as possible with the least amount of cashoutflow.. the trick is we need to use different prodcuts offerd by ICICI and make sure they are not forced spending on our part. and still try to cover maxmium products with least amuont of outflow..
for eg. regularly we can use some token pre-paid recharge ( load Rs10 into mobile's main balance), a few payments thru QR scan etc...
This way I kept my iScore at 90 at one point of time...
Like this you can find your own spend types..


You can find your iScore( for SBA holders) under " Discover " in iMobile App..
Scroll down to the bottom in the " Discover" tab.

1719062857500.png

1719058719753.png


1719058178928.png

1719058216893.png



Now FAQ's part



1719058517445.png

1719058547905.png

1719058331401.png

1719058361707.png

1719058388396.png


My Old iScore Screeshot: found in this thread..


1719058864600.png





My Pre-approved credit limits offered on different loans based on my

1) 24L income recorded as per ICICI records
2) current iScore of 80, ( before 90)

1. Home Loan : 95L
2. Auto Loan : 50L
3. Two Wheeler Loan: 4.10 L
4.Loan against Property : 80L
5. Loan against comeercial property: 80L




1719060174352.png

1719060315295.png



Now, Let us do some collobarative research on this topic to establish some facts based on my above observations...
Share your profile, iScore, your pre approved offers, its limits etc.. your expereince and observations ..

I believe , this will definitely help in understanding how ICICI triggers its pre-approved offers and limits going into the future...

Imprtant Note: If you have very high income (ITR) and a very good CIBIL, and have availed decent amount of credit products from ICICI, then iScore's role is negligible in your pre-approved Credit card offers.. Actually some of these factors will contirbute to the high iScore itself and there by good offers...
 
Last edited by a moderator:
so , you have icici sb accountonly, but no crdiet card right??
what is your cibil? what other cards do you have?
salaried/ self employed/ or no ITR?
I don't have ICICI Account. CIBIL 744. HDFC IOCL, BOB Card Easy. Salaried.
 
Thanks for the advice. I was just trying to diversify and not keep all investments in a single app.
You are not necessarily limited by groww.
Only funds bought in demat form are slightly limited to app access like zerodha.

But SOA mode funds are very flexible.
You can manage the same funds through other apps.
You can purchase from Groww, Invest more to same folio through another app and redeem through direct AMC app.
 
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You can manage the same funds through other apps.
You can purchase from Groww, Invest more to same folio through another app and redeem through direct AMC app.
yeah, exactly I saw this in the MFCentral app.
Didn't know this. Thanks!!
 
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Yeah, I got this.
My question was whether we should not invest in MFs from any bank app or net banking as they are regular plans instead of from brokers or AMC.

So is there any way any banks know that we have invested in their direct plan?
It depends. I also invest in MF via ICICI. I know charges will be slightly higher but I do it with them for convenience. Everything is available in one app (savings+CC+MF) and my RM does a check every 6 months to suggest changes needed, if any.

If you can follow MF performance yourself and know how to choose MF yourself, you can invest via Groww as well.

Came across this on X regarding groww.
 
It depends. I also invest in MF via ICICI. I know charges will be slightly higher but I do it with them for convenience. Everything is available in one app (savings+CC+MF) and my RM does a check every 6 months to suggest changes needed, if any.

If you can follow MF performance yourself and know how to choose MF yourself, you can invest via Groww as well.

Came across this on X regarding groww.

No worries regarding this as I get statements from the fund itself and I do track everything as of now. Will see later
 
iScore by ICICI

This discussion is to understand what is an iScore by ICICI which appears in iMobile App under " Discove" tab for SB account holders
its impact on pre-approved offers and their limits..​

What is iScore?

iScore is an internal/proprietary score score provided by ICICI Bank to its customers, on the basis of their transactions in the physical and digital world.
Before we go on to the details of how it is calculated , let us see its uses from customer perspective based on my observations:

1) iScore - its impact on Credit card pre approved offers
( Very minor role as of now, but could play a considerable role in future)..

iScore is not playing a siginificatnt role in triggering pre-approved credit card offers yet.. but in future it may be considered with some greate importance depending upon how ICICI wants to take this forward ..
I found only one instance where low iScore had resulted in no pre-approved offers for a customer.. ..in the following case..
complete details are here in this thread..

What it essentially means, iScore is playing some part in triggering pre-approved CC offers , albiet a very minor role as of now..


View attachment 58367

2) Significant role in Crdit limits on products like Credit card, Home Loan, Personal Loan , Auto loan etc.

This is where the plot thickens.. I have found quite a significant co-relation between iScore and limits offered on various Credit / Loan products ..
The higher the iScore the higher the limits offered.....

3) Essentially iScore is useful for limits offered on differnt pre-approved loans largely and to credit card limits to some extent ...


Now.. We will go into the academics of iScore,
What is an iScore, how it is built, how to improve, what are the different slabs, etc..
Here I am providing allt he screenshots of these FAQ's taken directly from iMobile App...
It is quite easy to understand...

Some basic details of iSocre..

1) This is available under " Discover " tab in iMobile app.
2) The customer had to hold a SB account to see thid option
3) In the first screen it will show your score..
4) You will find a button there to find out " how to improve your iScore?" .. these options are customized according to the cutomer's current profile..
Basically they want us to use thier different ICICI products..

Tip: Try to use as many products as possible with the least amount of cashoutflow.. the trick is we need to use different prodcuts offerd by ICICI and make sure they are not forced spending on our part. and still try to cover maxmium products with least amuont of outflow..
for eg. regularly we can use some token pre-paid recharge ( load Rs10 into mobile's main balance), a few payments thru QR scan etc...
This way I kept my iScore at 90 at one point of time...
Like this you can find your own spend types..


You can find your iScore( for SBA holders) under " Discover " in iMobile App..
Scroll down to the bottom in the " Discover" tab.

View attachment 58389

View attachment 58379


View attachment 58371

View attachment 58372



Now FAQ's part



View attachment 58377

View attachment 58378

View attachment 58374

View attachment 58375

View attachment 58376


My Old iScore Screeshot: found in this thread..


View attachment 58380





My Pre-approved credit limits offered on different loans based on my

1) 24L income recorded as per ICICI records
2) current iScore of 80, ( before 90)

1. Home Loan : 95L
2. Auto Loan : 50L
3. Two Wheeler Loan: 4.10 L
4.Loan against Property : 80L
5. Loan against comeercial property: 80L




View attachment 58386

View attachment 58387



Now, Let us do some collobarative research on this topic to establish some facts based on my above observations...
Share your profile, iScore, your pre approved offers, its limits etc.. your expereince and observations ..

I believe , this will definitely help in understanding how ICICI triggers its pre-approved offers and limits going into the future...

Imprtant Note: If you have very high income (ITR) and a very good CIBIL, and have availed decent amount of credit products from ICICI, then iScore's role is negligible in your pre-approved Credit card offers.. Actually some of these factors will contirbute to the high iScore itself and there by good offers...
wow SSV makes SST- Sarv Saktiman Thread

I appreciate your efforts 👌
 
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iScore by ICICI

This discussion is to understand what is an iScore by ICICI which appears in iMobile App under " Discove" tab for SB account holders
its impact on pre-approved offers and their limits..​

What is iScore?

iScore is an internal/proprietary score score provided by ICICI Bank to its customers, on the basis of their transactions in the physical and digital world.
Before we go on to the details of how it is calculated , let us see its uses from customer perspective based on my observations:

1) iScore - its impact on Credit card pre approved offers
( Very minor role as of now, but could play a considerable role in future)..

iScore is not playing a siginificatnt role in triggering pre-approved credit card offers yet.. but in future it may be considered with some greate importance depending upon how ICICI wants to take this forward ..
I found only one instance where low iScore had resulted in no pre-approved offers for a customer.. ..in the following case..
complete details are here in this thread..

What it essentially means, iScore is playing some part in triggering pre-approved CC offers , albiet a very minor role as of now..


View attachment 58367

2) Significant role in Crdit limits on products like Credit card, Home Loan, Personal Loan , Auto loan etc.

This is where the plot thickens.. I have found quite a significant co-relation between iScore and limits offered on various Credit / Loan products ..
The higher the iScore the higher the limits offered.....

3) Essentially iScore is useful for limits offered on differnt pre-approved loans largely and to credit card limits to some extent ...


Now.. We will go into the academics of iScore,
What is an iScore, how it is built, how to improve, what are the different slabs, etc..
Here I am providing allt he screenshots of these FAQ's taken directly from iMobile App...
It is quite easy to understand...

Some basic details of iSocre..

1) This is available under " Discover " tab in iMobile app.
2) The customer had to hold a SB account to see thid option
3) In the first screen it will show your score..
4) You will find a button there to find out " how to improve your iScore?" .. these options are customized according to the cutomer's current profile..
Basically they want us to use thier different ICICI products..

Tip: Try to use as many products as possible with the least amount of cashoutflow.. the trick is we need to use different prodcuts offerd by ICICI and make sure they are not forced spending on our part. and still try to cover maxmium products with least amuont of outflow..
for eg. regularly we can use some token pre-paid recharge ( load Rs10 into mobile's main balance), a few payments thru QR scan etc...
This way I kept my iScore at 90 at one point of time...
Like this you can find your own spend types..


You can find your iScore( for SBA holders) under " Discover " in iMobile App..
Scroll down to the bottom in the " Discover" tab.

View attachment 58389

View attachment 58379


View attachment 58371

View attachment 58372



Now FAQ's part



View attachment 58377

View attachment 58378

View attachment 58374

View attachment 58375

View attachment 58376


My Old iScore Screeshot: found in this thread..


View attachment 58380





My Pre-approved credit limits offered on different loans based on my

1) 24L income recorded as per ICICI records
2) current iScore of 80, ( before 90)

1. Home Loan : 95L
2. Auto Loan : 50L
3. Two Wheeler Loan: 4.10 L
4.Loan against Property : 80L
5. Loan against comeercial property: 80L




View attachment 58386

View attachment 58387



Now, Let us do some collobarative research on this topic to establish some facts based on my above observations...
Share your profile, iScore, your pre approved offers, its limits etc.. your expereince and observations ..

I believe , this will definitely help in understanding how ICICI triggers its pre-approved offers and limits going into the future...

Imprtant Note: If you have very high income (ITR) and a very good CIBIL, and have availed decent amount of credit products from ICICI, then iScore's role is negligible in your pre-approved Credit card offers.. Actually some of these factors will contirbute to the high iScore itself and there by good offers...
How is your income recorded by ICICI?
 
How is your income recorded by ICICI?
Means you did not even attend the Class 1 fully...
here it is :

 
I had an iScore of 95 till feb, then it dropped to 86 and stayed constant. (Also I received Rubyx dual LTF offer in the month of April and limit increase few days back but no good offers when my score was 95)View attachment 58400
What's your income
To me it seems to be a gimmick. Maybe they are yet to work on the implementation of iScore.
I have CC relationship since 2014 and The One Titanium SB salary account since 2022.
Holding MMT Signature, AMZ PAY, HPCL Coral and Coral Rupay. All LTF and CL of 15L.
Having CC upgrade offer to Emeralde paid, not taking it.
Gross annual in profile is 35-50L.
I took a HL of 75L in July-22 but got it closed in 6 months as I transferred it to SBI.
My iScore has always shown as 10 and interestingly history shows as 0.
Here’s my iScore and pre-approved offers snippet.
Same think happened with me, my iscore is 0 for more than 1 year, but i have received lot's of pre approved offers from ICICI bank.
 
WHAAAT! You are getting 1 Cr home loan at a measly score of 50!
What's your income range as recorded by ICICI?
Haha I already have a home loan with PNB . that's why showing to transfer home loan. I have 10-20 L. Just changed today to 20-35 L. Also had pre-approved 40L something personal loan , 10 L Car loan , 1.5 L two wheeler. Now not showing after I took rubyx offer I guess. I had a Sapphiro paid pre-approved long back but didnt take it.I have a privilege banking account and only use it as checking account. I barely maintain MAB. I am trying for Emeralde Metal credit card but the RM is useless and customer care is rude n arrogant. They just ask me to contact RM. I am trying to mail credit card Head but unable to do so.
 
@SSV my iScore is 70. It shows Credit Card in pre-approved offers. Will I get CC, if I apply?
Please guide.
 

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