U have seen the ICICI ad on TV. Here is the fun part:

Hum hai na!!!

Aapka paisa khane ke liye

If you take your comment in FUNNY way, I do agree

But to be honest, all banks including Canadian are doing same thing.

Just look as RBC, BMO etc etc

To some extent only TD Canada is fair & better

Actually, all banks (the world over) thrive on other people's money. That's the concept - either you like it or not. So, you see it's not only ICICI but all the Banks look for other people's pie (Ah! that's worth a line ).

Here's a link that explains the basics of banking institutions:

http://money.howstuffworks.com/bank.htm/printable

This is the joke going around in Bangalore. I am told that ICICI charges loan application processing fee. Then they will take their own sweet time to make a decision, by asking number of other unnecessary documents. The customer gets fed up and goes to another bank for loan. ICICI gets it fee.

dio