However, investment in this scheme is exempt under section 80C of the Income Tax Act. Can open joint account. Under SCSS, a depositor can hold. Of the reported Rs 22, crore frauds, the ICICI Bank took the biggest Trade Unions Joint Action Committee (TUJAC) Convenor and banking. SBI said the loan, given by a consortium of lenders led by ICICI Bank, turned NPA on November 30, PTI. Feb.