ICICI Bank Limited (IBN) 20-F 2005 FY Annual report (foreign)

Exhibit 13

Securities and Exchange Commission
100 F Street NE
Washington, DC 20549

Ladies and Gentlemen:

     The certification set forth below is being submitted in connection with the Annual Report on Form 20-F for the year ended March 31, 2005 (the “Report”) for the purpose of complying with Rule 13a-14(b) or Rule 15d-14(b) of the Securities Exchange Act of 1934 (the “Exchange Act”) and Section 1350 of Chapter 63 of Title 18 of the United States Code.

     Mr. K.V. Kamath, the Chief Executive Officer and Ms. Vishakha Mulye, the Chief Financial Officer & Treasurer of ICICI Bank Limited, each certifies that, to the best of their knowledge:

1.	the Report fully complies with the requirements of Section 13(a) or 15(d) of the Exchange Act; and
2.	the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of ICICI Bank Limited.

Date: September 29, 2005

/s/ K.V. Kamath

Name: Mr. K.V. Kamath

Chief Executive Officer

/s/ Vishakha Mulye

Name: Ms. Vishakha Mulye

Chief Financial Officer & Treasurer