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iScore, WHAT’S THAT?
iScore is a proprietary score provided by ICICI Bank and is computed on the basis of the customer’s overall financial footprint.
Scored from 0 – 100, iScore is segmented into 8 score bands
Assured benefits to all customers in Good & above bands
More exciting offers get unlocked as the score improves
Personalized & actionable tips to improve iScore
Score trendline so you can keep track of the monthly progress
What do I get with iScore?
iScore offers assured benefits for all Good & above customers. Move up the band & unlock more exciting offers!
What does iScore offer?
Indicates overall performance across savings, deposits, credit behaviour, & daily transactions
Personalized recommendations to act upon for score improvement
Trendline depicting score change pattern in the last 6 months
Top 3 factors having maximum impact on your score
Dedicated & exhaustive list of FAQs with in-app video
How to check iScore?
FAQs for iScore ETB
iScore is an internal/ proprietary score provided by ICICI Bank to its customers, on the basis of their financial footprint in the physical and digital world. Customer can now check their iScore on a scale of 0-100 under Discover section of iMobile Pay. Additionally, iScore contributors are provided for further insights on score derivation and personalised recommendations are given which can help to increase the score.
iScore is computed basis customer’s financial footprints. It takes into account numerous factors, the primary ones being transactional, repayment, investment, card/loans relationship and other financial behaviour to generate the score. Customer can further improve upon their score by enriching relationship with the Bank, through financial products and transactions.
iScore comprises of 8 score bands spread on a scale of 0-100 and categorised on the basis of score threshold as below:
| Score Range | Score Band |
| 0-20 | Beginner |
| 21-40 | Mover |
| 41-60 | Moderate |
| 61-70 | Good |
| 71-80 | Very Good |
| 81-90 | Excellent |
| 91-95 | Prime |
| 95-100 | Elite |
Every customer is shown 3 most prominent factors influencing his/her score and is visible upon clicking on the score dial. Some of these factors are the transactions done using iMobile Pay & RIB, Credit Card/loan behaviour with and beyond ICICI Bank, savings, investments etc. with ICICI Bank and so on.
Deeper association would correlate to exclusive benefits for the customer. The salient ones include:
- Diverse pre-approved product offers
- Minimal/ no documentation
- Preferential rates and treatment
- Enhanced limits
- Simple and seamless fulfilment process
- Customised offerings
- Exclusive benefits at select merchants
Based on the score, customers are shown pre-approved offers for credit-based products like Personal Loan, Credit Cards, Auto Loan, Home Loan, PayLater, Consumer Durables, and Two Wheeler loan. Customers in the score band ‘Good’ & above will surely have atleast one Pre-approved offer.
Customers having Pre-approved offers against their score can directly avail the products by clicking on ‘Avail Now’ button for the corresponding product and they will be redirected to the corresponding digital fulfilment journey.
Every customer is shown 3 unique nudge messages which can help to increase the score. These nudge messages are personalized for every user depending upon their financial behaviour. These messages are action oriented for the user – payment of utility bills, UPI fund transfer, transactions done through QR scan, FASTag recharge, timely payment of credit card dues, usage of ICICI Bank credit card, on-time repayment of loans etc.
iScore is dynamic and gets refreshed by 15th of every month.
iScore is an outcome of multiple parameters which captures the customer’s financial activities. Transactions, deposits, investments, credit products like loans, cards, intensity and vintage of relationship with the Bank etc. influence the score. Regular transactions and deeper association with the Bank can help increase the iScore.
Below table highlights the key distinct features between Bureau score and iScore:
| Bureau Score | iScore |
| Bureau based score modelling is one- dimensional which considers only the credit based behaviour of the customer – number of loans/ cards availed, repayment pattern, age of credit, credit enquiries, credit exposure |
iScore is multi-dimensional and factors-in all available financial footprints of the customer like deposits, investments, availed credit products, transactions etc. in the phygital space |
| Bureau score is generated by various agencies like CIBIL, Equifax, Experian etc. and is accepted by almost all lending institutions for credit assessment |
iScore is proprietary score by ICICI Bank |
| It operates on a scale of 300 – 900 | iScore ranges from 0 – 100 |
| Benefits of Bureau score is limited to assessment of credit worthiness and hence offering loans/ credit cards |
Scope of iScore benefits is widespread:
|
| Score improvement is difficult and takes considerable time to cure |
Personalized and action-oriented messages for score improvement |
iScore contributors are not shown to customers in ‘Beginner’ band.
Nudge messages are not shown to customers in ‘Elite’ band.
iScore is dependent on multiple parameters spread across the customer’s financial activities and standings. In broad sense, it captures the intensity of transactions done using ICICI Bank platforms, savings, investments, nature and number of cards/ loans availed etc. Enhanced transactions and association with ICICI Bank can help improve the iScore.
To check your iScore, you can login to iMobile Pay application and click on ‘Discover’ tile on the Dashboard. iScore widget will open where you can check your score and related elements. In case any further assistance is required or the issue still persists, please call us on 1860 120 7777.
