• DIVERSE SET OF BFSI APIs

    PROTOTYPE SUBMISSION - MARCH 15

    Phase 1 shortlists announced

    Kindly check inbox

    Days
    Hours
    Minutes
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    PROGRAMME PARTNERS

  • GRAND PRIZES OF MORE THAN Rs. 10 Lakh

    PROTOTYPE SUBMISSION - MARCH 15

    Phase 1 shortlists announced

    Kindly check inbox

    Days
    Hours
    Minutes
    Seconds

    PROGRAMME PARTNERS

About the Programme:

  • Introduction
  • Programme Details
  • Eligibility
  • Judging Criteria
  • Partners

ICICI Bank invites you to explore the world of payments innovation with the ‘ICICI Appathon’. We are looking for revolutionary ideas around the core theme of UPI 2.0.

Participants need to envision a new solution and use the diverse set of UPI, Financial Services and Partner APIs to create innovative minimum viable solutions. The solutions that surpass the currently available solutions in the market, give a superior and intuitive experience to the end user, will compete for the top prizes in the Grand Finale.

The selected top three winners will be awarded with a prize money of Rs. 10 lakh along with a potential engagement opportunity with ICICI Bank. They will also have a potential opportunity to be mentored by the programme partners.

So get started and register now!

ICICI Bank Appathon will be conducted in 3 phases:

Phase 1: Participants need to register by providing a brief summary of the idea and identify categories of APIs which will be used for creating the solution.

Phase 2: Shortlisted participants will be provided with access to all APIs on the partner patform/ ICICI Bank developer platform and they will have to submit a video demonstrating a minimum viable solution, ICICI Bank’s API usage and business benefits.

Phase 3: Finalists will be invited to ICICI Bank Towers, BKC, Mumbai to present their minimum viable solution to an eminent Jury.

Registration Begins
Registration Ends
Announcement of Shortlisted Participants
Prototype building begins
Prototype submission
Announcement of Finalists
Final Presentations (Demo Day) and Award Ceremony
  • 4 FEB Upcoming
  • 21 FEB Upcoming
  • 22 FEB Upcoming
  • 23 FEB Upcoming
  • 15 MAR Upcoming
  • MAR Upcoming
  • MAR Upcoming

All participants must adhere to the following criteria to participate in the programme:

  • This programme is open to companies and individuals.
  • This programme is also open to companies who have previously sold, licensed or otherwise provided services and/or similar solutions to ICICI Bank.
  • This is a team participation programme. You can have at most 5 members in a team.
  • In order to participate, the team needs to use at least one of the listed UPI APIs on the site. The theme of this Appathon is UPI 2.0, so participants are recommended to focus on the features of UPI 2.0 (i.e., Mandate, Linking overdraft account on UPI, Signed Intent and QR, Invoice in the Box (View and Pay). Participants are also encouraged to use the Partner APIs in the Appathon. Usage of at least one UPI API would be mandatory for solution to qualify.
  • You may use any other open source libraries available elsewhere.
  • By participating in the Appathon, you agree to the Terms and Conditions.

Since ICICI Bank is seeking innovative ideas and solutions, there is no single criterion on which we will judge your submission. However, keeping in mind the core theme of UPI 2.0 and broad objectives of the Appathon, following metrics can be used as an indicator of how the evaluation will happen to determine finalists and overall award recipients:

Evaluation Criteria Weightage
Implementability of Idea 20%
Innovation around UPI (2.0 and 1.0) 50 %
Overall Final Solution Completeness of the solution 10%
Business Potential, relevance & Scalability 10%
User Experience 10%
  • The judges reserve the right to provide a participant who applies for one category with an award from another category, at their sole discretion.
  • The decisions of the judges are final and binding. If we do not receive a sufficient number of entries meeting the entry requirements, we may, at our discretion, select fewer winners than described.
  • In the event of a tie between any eligible entries, an additional judge will break the tie based on the judging criteria described above.

Programme Partners:

Awards

1st Prize
  • INR 5 Lakh in monetary award
  • Potential opportunity to explore a commercial relationship with ICICI Bank
2nd Prize
  • INR 3 Lakh in monetary award
  • Potential opportunity to explore a commercial relationship with ICICI Bank
3rd Prize
  • INR 2 lakh in monetary award
  • Potential opportunity to explore a commercial relationship with ICICI Bank

APIs Across Categories

ICICI Bank in collaboration with its programme partners is providing a diverse set of BFSI APIs.

The list of APIs from ICICI Bank and its partners across various categories are listed below. Shortlisted participants will be given full access to all APIs with supporting documents.

For the Appathon, participants will be using test APIs hosted by ICICI Bank. During the Appathon, only test data from ICICI Bank will be used, ensuring that Customer's information remains protected.


  • UPI 1.0
  • UPI 2.0
  • Retail Banking APIs
  • Corporate APIs
  • Credit Card APIs
  • Loans and Microlending APIs
  • Trade APIs
  • Partner API
Sr. No. Sub-Category Relevant APIs under the Category API Description
1 Device Registration Get Token This API will return the token from NPCI to be sent in the List Key API.
2 Add Account VA Availability This API will check if the entered provided address is available for use. If available user can add virtual address.
3 List Account Provider Returns the list of Banks live on NPCI-UPI. This list will be updated as more banks get live on the platform
4 List Accounts Returns customer accounts for given account provider registered with provided mobile number.
5 Generate OTP For mapping account to customer VPA, as a authentication purpose issuing bank will validate One Time Password (OTP). UPI system will initiate generate OTP request to NPCI, which in turn call issuing Bank service.
NOTE: This API should only be called if account provider is supporting “Format 1”.
6 List Keys This API will return the list of encryption key for NPCI common library. Mobile application can call API once app instance in started and cache the Keys in memory
7 Register Mobile Number Register the mobile number with the PSP, validate customer with OTP or MPIN, set MPIN for selected account. In case of other bank account holders channels should invoke register mobile API to authenticate the user based on CardDigits, ExpDate and set MPIN. One record will be created in UPI switch for mapping VA with verified account.
This API will also create a user profile against the mobile number entered, after successful registration.
8 Pay to VPA List Customer Accounts This API will return all the accounts mapped to the user. If same account is mapped to multiple account then multiple entries of same account will be present in the result.
API supports filter “virtual-address” which will return accounts which returns user accounts mapped to given VPA.
9 Validate Virtual Address This API will be used by the application customer wants to add a beneficiary within PSP application (for sending & collecting money) OR at the time of transaction when initiating Pay to ad-hoc VPA / Collect from ad-hoc VPA request.
10 Common Pay Request This common API will support to initiate a pay request to virtual address and Global recipients (IFSC + Account no / Mobile + MMD / Aadhaar + IIN).
11 Collect from VPA List Customer Accounts This API will return all the accounts mapped to the user. If same account is mapped to multiple account then multiple entries of same account will be present in the result.
API supports filter “virtual-address” which will return accounts which returns user accounts mapped to given VPA.
12 Validate Virtual Address This API will be used by the application customer wants to add a beneficiary within PSP application (for sending & collecting money) OR at the time of transaction when initiating Pay to ad-hoc VPA / Collect from ad-hoc VPA request.
13 Collect Request API will initiate a Collect request from the virtual address. Amount will be credited to the Account mapped to VPA which is identified by Account + IFSC.
14 Collect Authorization List Customer Accounts This API will return all the accounts mapped to the user. If same account is mapped to multiple account then multiple entries of same account will be present in the result.
API supports filter “virtual-address” which will return accounts which returns user accounts mapped to given VPA.
15 Get Pending Request API returns all the Pending collect requests for given Mobile profile.
API returns both “As Payer” and “As Payee” pending requests in same response, identified by the value of JSON field “direction”. API supports filter “virtual-address” which will return pending collect request specific to provided VPA.
16 Approve/ Reject Pending Collect Request This API will approve or reject Collect request initiated by some Payee to user identified by Mobile
Debiting account will be identified by Account + IFSC mapped to VPA.
17 Balance Enquiry List Customer Accounts This API will return all the accounts mapped to the user. If same account is mapped to multiple account then multiple entries of same account will be present in the result.
API supports filter “virtual-address” which will return accounts which returns user accounts mapped to given VPA.
18 Balance Enquiry API will return the balance details of the Account +IFSC mapped to VPA. Same API will cater to give Customer existence.
19 Change & Reset MPIN List Customer Accounts This API will return all the accounts mapped to the user. If same account is mapped to multiple account then multiple entries of same account will be present in the result.
API supports filter “virtual-address” which will return accounts which returns user accounts mapped to given VPA.
20 Change MPIN API will change account MPIN. Account will be identified by Account + IFSC mapped to VPA.
Old MPIN and New MPIN will be captured using NPCI common library.
21 Generate OTP For mapping account to customer VPA, as a authentication purpose issuing bank will validate One Time Password (OTP). UPI system will initiate generate OTP request to NPCI, which in turn call issuing Bank service.
NOTE: This API should only be called if account provider is supporting “Format 1”.
22 Register Mobile Number Register the mobile number with the PSP, validate customer with OTP or MPIN, set MPIN for selected account. In case of other bank account holders channels should invoke register mobile API to authenticate the user based on CardDigits, ExpDate and set MPIN. One record will be created in UPI switch for mapping VA with verified account.
This API will also create a user profile against the mobile number entered, after successful registration. This profile will be used by UPI switch for internal use. The profile id will be returned in response which is expected as input as per the respective API requirement.
Same API will be used for RESET MPIN with action flag as “P”
23 Deregister Profile De-Register API work in two flows - depending on the value of “delete-va-flag” API will either delete specific VPA or deregister complete profile altogether.
When “delete-va-flag” is false
This API will deregister the user based on the profile ID. All the accounts and VPAs associated with the profile will be deactivated and cannot be used further.
When “delete-va-flag” is true
Virtual Address specified in the virtual-address field will be deleted.
24 Pay to Merchant VPA List Customer Accounts This API will return all the accounts mapped to the user. If same account is mapped to multiple account then multiple entries of same account will be present in the result.
API supports filter “virtual-address” which will return accounts which returns user accounts mapped to given VPA.
25 Validate Virtual Address This API will be used by the application customer wants to add a beneficiary within PSP application (for sending & collecting money) OR at the time of transaction when initiating Pay to ad-hoc VPA / Collect from ad-hoc VPA request.
26 Pay to Merchant VPA This API will initiate a pay request to Merchant virtual address.
27 Merchant Collect List Customer Accounts This API will return all the accounts mapped to the user. If same account is mapped to multiple account then multiple entries of same account will be present in the result.
API supports filter “virtual-address” which will return accounts which returns user accounts mapped to given VPA.
28 Validate Virtual Address This API will be used by the application customer wants to add a beneficiary within PSP application (for sending & collecting money) OR at the time of transaction when initiating Pay to ad-hoc VPA / Collect from ad-hoc VPA request.
29 Merchant Collect Request Merchant Application can initiate Collect request from Customer VPA (Payer VPA).
30 Merchant Refund Merchant Refund Request Refund API works depending on the Channel of the Original Transaction. UPI will only initiate Credit for specific Channels. Otherwise it will act like “Get Payer Details” for other channel.
API works based on the “seq-no” of the original transaction.
31 Transaction Status Transaction Status API will return the status of the transaction based on the “seq-no” of the original transaction
Sr. No. Sub-Category Relevant APIs under the Category API Description
1 Mandate Manage Mandate This API will be used for creating, updating and revoking the mandate
2 Get Pending Mandates This API will provide the list of pending mandates to the end user.
3 Approve/reject Pending mandates This API will be used for approving or rejecting the mandates
4 Get all mandates This API will provide the list of mandates to the end user
5 Mandate history This API display the mandate details for payer, which contains the number of instruction (Standing instruction) executed or pending to execute.
6 Initiate Mandate Collect This API will provide facility to initiate mandate collect request manually. (Only bank enabled channels can initiate this request)
7 Invoice in the Box (View & Pay) Common Pay Request This common API will support to initiate a pay request to virtual address and Global recipients (IFSC + Account no / Mobile + MMD / Aadhaar + IIN).
8 Linking Over-draft account on UPI List Accounts Returns customer accounts for given account provider registered with provided mobile number.
9 Signed Intent & QR List PSP Keys This API will return the token from NPCI to be sent in the List Key API.
10 Manage verified address API This API will add/update/remove the verified virtual addresses as per the operation in the input.
Sr. No. Sub-Category Relevant APIs under the Category API Description
1 Initiate transaction Check Debit Functionality to check-in a debit.  
2 Check Credit Functionality to check-in a credit.  
3 Fund Transfer API to initiate a cross account fund transfer.  
4 Account Status Balance Enquiry Provides the balance based on account credentials.  
5 Mini Statement Provides a mini statement for the account.  
6 Account Enquiry Provides account related details.  
Sr. No. Sub-Category Relevant APIs under the Category API Description
1 Account Activation Corporate Registration Service for registration of company account.  
2 Initiate Transactions Transactions Provides data on the transactions.  
3 Transactions Inquiry Service to provide details.  
4 Account Status Corporate Account statement Service to provide the corporate account statement.  
5 Corporate Balance Enquiry Provides balance enquiry.  
6 Deactivation Corporate De-registration Deactivation of corporate account.  
Sr. No. Sub-Category Relevant APIs under the Category API Description(to be updated)
1 Card Initiation Add-On Request Additional request for card  
2 Activate Card Service for activation of credit card  
3 Card Transactions Post Transactions Post transactions on card  
4 Auto Debit Service to place auto-debit instruction on a card  
5 Card Status Last 5 Transactions Service to view last 5 transactions on a card  
6 Current Statement View the current statement on a card  
7 Last Statement View the last statement on a card  
8 Statement Inquiry To view the statement on a card  
9 Linked Account View the linked accounts to the card  
10 Card Servicing Renew Card Service for card renewal  
11 Replace Card Service for card replacement  
Sr. No. Sub-Category Relevant APIs under the Category API Description
1 Loan Management Loan Account Details Service for account details.  
2 Loan Disbursement Details Service for disbursement details.  
3 Loan Servicing Loan Profile Information Loan profile related information.  
4 Loan Repayment Loan repayment related information.  
5 Loan Amortization Service providing loan amortization details.  
Sr. No. Sub-Category Relevant APIs under the Category API Description
1 Trade Letter of credit Services for letter of credit service  
2 Bank Guarantee Services to initiate bank guarantee  
3 Inward remittance Services to facilitate inward remittances  

Theme: UPI 2.0

UPI 2.0 is coming up with some of the long awaited functionalities of –

  1. Mandate and release
  2. Invoice with collect
  3. OD account linking to VPA
  4. Signed intent & QR

UPI 2.0 combined with existing UPI functionalities would fuel the next level of growth in UPI payments riding on customer convenience and ease of payment.

  • Mandate and release
  • Invoice with collect
  • OD account linking to VPA
  • Signed intent & QR

Mandate

With the Mandate feature, a user can pre-authorise (Mandate) a transaction, for debit from her bank account later. UPI mandate is to be used in scenarios where money is to be transferred later, however the commitment towards that is to be done now. It is possible that the sender may forget to send money later so creates a mandate or for a service/merchant payment wherein this functionality may be required. The customer's account will get debited when the mandate is executed. UPI mandate can be executed one time only.

Customer Benefits

  • Can create mandate for payments that are to be done later.
  • In case of merchant payments/service, this acts as an assurance to both the customer as well as merchant.

    Example: This feature has a use case in subscribing to an IPO. The investors would not have to pay the deposit money during an IPO application. They can instead create a Mandate for the deposit amount. The mandate amount would be retained in the investor's bank account and blocked for the IPO allocation. The mandate shall be executed (either in full or for a partial amount) and the amount will be debited from the investor's account only if the shares are allotted to the investor, for the amount to be paid towards the shares allotted to the investor. Any remaining amount in case of a partial execution of the mandate will be released from the block.

> Participants are expected to come up with similar innovative use cases which can make best use of the Mandate feature

Invoice in the Inbox (View & pay)

So far when a collect request was sent a user could only verify the amount being paid and make the payment post entering the UPI PIN. Now prior to making the payment, she will be able to check the invoice being paid via a link and thereby verify the details of the transaction before she pays for the same. This functionality is only available for the invoices of verified merchants.

Customer Benefit

Gets to view the bill in the UPI app, verify the details and pay the invoice

> Participants are encouraged to tap the opportunity of building a trusted and seamless ecosystem of payments & collections using this feature.

Linking over-Draft account on UPI

A customer can now link over-draft account to UPI which was not available until now.

Customer Benefit

  • Instant linking of over-draft account in UPI.

> The participants are encouraged to use this feature and focus on the existing opportunity of building a credit engine in the industry by utilizing the ecosystem of customers, merchants, credit bureau and banks.

Signed Intent & QR

With this feature, while making payment using the intent or through scanning QR, the user will get additional security in the form of signed QR / intent. This feature notifies the user whether the merchant is a UPI verified merchant or not. With the signed QR, issues related to tampering QR as well as having non-verified entities shall be reduced.

Customer Benefits

  • The user is assured of the authenticity of the receiver and will be informed if the QR is not secured.
  • Transaction is done faster as app passcode is not be required in case of signed intent.

> The participants are encouraged to build solutions employing this feature to create trust among the merchant ecosystem network for reducing frauds and disputes.


Frequently Asked Questions

How is the ICICI Appathon structured?

ICICI Appathon is broadly divided into 3 phases. Please take a look at the About / Programme details section to know more

Is the registration for the Appathon free?

Yes

What is the eligibility criteria?

Please take a look at the About section on homepage and Terms and Conditions registration section.

Can I register as an individual?

Yes. Individual developers as well as companies are welcome to participate in the Appathon.

Will everyone who registers be eligible to participate?

Once you have registered, we will carefully review your application based on the idea summary that you have provided. If you are selected, we will get in touch and send you the login details for developer portal, the API toolkit and all the guidance material you need.

I am not resident in India, can I still participate?

Yes, the ICICI Appathon is open to participants from all over the world. For more information on eligibility, please take a look at the Terms & Conditions.

How many people can be in my team?

Each team can have a maximum of 5 members.

What is the scope of the ICICI Appathon?

Participants will have to come up with a UPI based mobile solution using diverse set of ICICI Bank APIs. They may also use programme partner APIs as well as open source libraries available elsewhere. In Phase 1, the teams will be shortlisted basis the application. In Phase 2 they would need to submit a video of their working minimum viable solution. In Phase 3, selected participants will be invited for the Grand Finale at Mumbai.

In Phase 1, do participants need to share complete details of the solution?

Participants need to share the name of the Solution, Business problem/ use case that the solution addresses, details of how the solution solve the problem innovatively and finally benefits coming out of the solution. Finally participants should also confirm which particular ICICI Bank API category or categories they are planning to use. This information will be used to shortlist teams for Phase 2.

In Phase 2, do participants need to share a “minimum viable solution”?

Participants need to submit a video demonstrating the working of the solution, ICICI Bank API usage and business benefits. Before being declared as a finalist, participants may have to submit the working solutions.

In Phase 2, how do I submit what I have made?

You have to submit a video demonstrating the working of the prototype, ICICI Bank API usage and business benefits.

In Phase 2, is there any specific technology / language to be used for building up the project? Will you provide any IDE and DB for us to work on ideas?

You can develop the entire solution with the wide range of services and APIs available from ICICI Bank as well as services available on the partner platform. You are not restricted to any single development language or technology.

In Phase 2, do we need to build a Mobile Application?

It is not mandatory. It can be Mobile App or solution which can be accessible via mobile.

In Phase 2, do we need to have the entire idea fully working?

The entire idea need not be fully implemented. However, the prototype should be functional so that it can be reviewed by the judges.

Are the participants required to be online for the entire duration of the programme?

No, one does not need to be logged in to the ICICI Appathon website or be online for the entire duration.

If I am a finalist, where will I present on the Grand Finale?

All the finalists in India will be invited to ICICI Bank Tower, Bandra Kurla Complex in Mumbai. For international participants, remote presentation will be arranged.

In case of team, do all team members also have to be present during the Grand Finale?

It is not mandatory for all team members to attend.

Can I demonstrate my solution remotely during the Grand Finale?

The teams based in India has to demonstrate the solution in person. Only for international participants, remote presentations may be arranged.

Will ICICI Bank pay for my company / my team / my trip?

All expenses associated with participation on Grand Finale including but not limited to any flight or rail tickets, accommodation, food and beverages will have to be arranged by the participants themselves.

What should I bring to the Grand Finale?

The prototype, a brief presentation and the devices you need to demonstrate how your solution works.

What criteria will the judges use to evaluate the prototypes?

Please take a look at judging criteria under the About section.

What are the Awards?

There are different awards:

  • Monetary awards by ICICI Bank
  • Potential commercial engagement with ICICI Bank
  • Access to partner's accelerators and mentorship programs etc.

Please take a look at Awards section to know more.

What's the hashtag?

#iciciappathon - Use it on Twitter and Facebook to join the conversation.

Will there be journalists present?

Yes, the programme are open to press.

Who owns the IP on prototype we make?

Please take a look at Terms & Conditions for the intellectual property terms applicable to your mobile solution and submission.

What's the format of the demo portion of the programme?

We will give you 10 minutes to present your prototype followed by Q&A.

Will my participation be publicly showcased?

Participants acknowledge that by attending the Finale they may be photographed, videotaped and otherwise recorded and may be required to sign an affidavit and release by ICICI Bank for the use of such footage.

Can my solution be in a language other than English?

Yes, mobile solution in other Indian languages may be submitted.

I do not find an API which I would need for my development, what should I do?

You have to use at least one ICICI Bank UPI API to be eligible. However, You can create a test API and stub it at your end for using it in your solution.

I have gone through the FAQs but I still have a question?

You can write to us on below mentioned email IDs:

Technical/Programme related Support

support@iciciappathon.io

Alternatively, you can also contact the support team on: +91-7676394346, +91-7676378074
(Available from 10:30 AM to 06:00 PM IST)

What’s the application process like?

The Application Process is quite simple. You can register yourself as an individual or as a team. Max team size allowed is 5 members.

Is there any registration fees for groups or individuals?

None. Participation is absolutely free.

Where will the contest be held?

The Round 1 of the contest is purely online. You can register and submit your projects on our website. Our panel of expert judges will decide on the 10 best projects.

The best 10 projects will be invited to our headquarters in BKC Mumbai for the final round. These shortlisted teams will have to present their projects in front of a live crowd and showcase their innovation. The awards for the Top 3 projects are mentioned here.

What will be I required to bring on the day of the presentation?

Need: Laptop and charger, cellphone and charger to keep your gadgets alive. Also if you require any particular gadget or device that you are unable to acquire and is critical for your project/product, let us know in advance and we will arrange it for you.

Are companies invited to the event?

Yes. You can register your company or startups for this event.

Do I need to have any specific qualifications to be a participant for the event?

The detailed terms for the event are listed together for ready reference.

Do we need to have the entire idea fully working?

The entire idea need not be fully implemented however, the submission should be functional so that it can be reviewed by the judges.

Are the participants required to be online for the entire duration of the event?

No, one does not need to be logged in on ICICI appathon website or be online for the entire duration. You can develop the application on your local system based on the given themes and then submit it on ICICI Appathon.

Is there any specific technologies/language to be used for building up the project? Will you provide any IDE and DB for us to work on ideas?

You can develop the entire software with the wide range of services and APIs available on the event platform. You can make use of any of the services that’s available there.

Do I need to give a demo for the product that I have built?

If chosen in the top 10, You will be required to make a presentation or video that demonstrates your submission. Details of the Presentation day will be shared with sufficient notice.

Contact Us

You can reach out to us if you have any queries and we will get back to you in 24 working hours.

Technical/Programme related Support

support@iciciappathon.io

Alternatively, you can also contact the support team on: +91-7676394346, +91-7676378074
(Available from 10:30 AM to 06:00 PM IST)