ICICI Bank
Umang Card

The ICICI Bank Umang Card supports direct benefit transfers, ensuring that eligible beneficiaries receive government aid without delays. By connecting with PFMS (Public Financial Management System), it provides transparent fund management, validation and transfer, allowing users to access subsidies like pensions, agricultural and LPG subsidies, scholarships and more through NACH/NEFT. This Card aims to simplify subsidy distribution, reduce fraud and improve financial access for users.

The ICICI Bank UMANG Card is designed for efficient subsidy transfers, delivering funds directly to beneficiaries while eliminating intermediaries. This Card ensures that eligible individuals receive their government benefits securely and promptly, reducing potential fraud. Users can load funds via IMPS, NEFT, UPI or the ICICI Bank corporate portal. For added security, transactions are validated by OTP for online purchases and by PIN on POS machines.

a. Account Validation through PFMS

Validation of the beneficiary account through PFMS is enabled on this Card. It helps in the reduction of duplication of accounts, increases transparency and reduces spillover due to mismanagement or corruption.

b. Payment through NACH

The National Automated Clearing House (NACH) helps a large number of beneficiaries get funds credited in their bank accounts.

c. Dedicated Helpline

ICICI Bank has created a dedicated helpline number 18001080 that is active 24X7. So be it balance enquiry, reporting a lost Card or activating the replacement Card, users can seek assistance anytime.

d. Safe & Secured

The Umang Card has PIN-based security for transactions at point-of-sale (POS) terminals and OTP validation for online transactions.

e. Hassle-free Card activation

Enjoy the convenience of digital Card activation within 24 hours after successfully completing the KYC process.