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HDFC Bank vs ICICI Bank: which is better? Comparison 2026

By our public methodology HDFC Bank and ICICI Bank score the same — 93 out of 100. Below: where they differ by factor and by fact.

Banks in India 2026: a ranking built on verified facts How we rank

2

HDFC Bank

93/100

3

ICICI Bank

93/100

Score breakdown

	HDFC Bank	ICICI Bank
Safety	100	100
Digital services	86	86
Products	100	100
Transparency	83	83

Pros and cons

HDFC Bank

Wide range of products for private customers
Long track record as a licensed bank
Member of a deposit protection scheme
Holds its own current rating from a recognised agency

ICICI Bank

Wide range of products for private customers
Long track record as a licensed bank
Member of a deposit protection scheme
Holds its own current rating from a recognised agency

Facts side by side

Fact	HDFC Bank	ICICI Bank
Licensed since	1994 hdfc.bank.in	1994 icici.bank.in
Deposit protection	Yes hdfc.bank.in	Yes icici.bank.in
Agency rating	Yes homeloans.hdfc.bank.in	Yes icici.bank.in
Annual reports online	Yes hdfc.bank.in	Yes icici.bank.in
Mobile app	Yes hdfc.bank.in	Yes icici.bank.in
Open an account online	Yes hdfc.bank.in	Yes icici.bank.in
Instant payments	Yes hdfc.bank.in	Yes icici.bank.in
24/7 support	No hdfc.bank.in	Not verified
Retail lines offered (of 6)	6 hdfc.bank.in	6 icicibank.com
Tariffs online	Yes hdfc.bank.in	Yes icici.bank.in
Deposit rates online	Yes hdfc.bank.in	Yes icici.bank.in
Complaints procedure published	Yes hdfc.bank.in	Yes icici.bank.in