# ICICI Bank — API Agent Score

> Score: 56/100 (Grade: D) | Domain: icicibank.com | Rubric: 1.0.0 | Checked: July 31, 2026

ICICI Bank scored 56/100 (D), classified "not-ai-ready".

[View full report](https://www.postman.com/ai/ai-ready-apis/company/icicibank)
[All organizations](https://www.postman.com/ai/ai-ready-apis/llms.txt)

## Summary

- Overall: 56/100 (D)
- Classification: not-ai-ready

## Category Scores

- API Design: 75/100 (B)
- Developer Experience: 57/100 (D)
- Agent Discovery: 57/100 (D)
- Agent Understanding: 55/100 (D)
- Agent Usability: 45/100 (F)

## Check Results

### API Design

- [warn] Schema coverage & depth — 153/154 (99%) public params are fully typed (no any/**kwargs). Analyzer reports not all methods have a derivable input schema. Investigated: sdk 100%.
- [pass] Example coverage — README is present and includes a runnable quickstart. Investigated: sdk 100%, docs 0%.
- [fail] Security & governance hygiene — No security.txt at /.well-known/security.txt or /security.txt. Investigated: wellknown 0%.
- [skip] Machine-readable, versioned contract — No surface produced evidence for this capability in this run.
- [skip] Auth declared & discoverable — No surface produced evidence for this capability in this run.

### Developer Experience

- [pass] Self-service developer portal — Signup page at https://www.icici.bank.in/personal-banking/ways-to-bank/mobile-banking/register; no free-tier language detected in docs/pricing. Investigated: docs 100%.
- [pass] Changelog published — Newest official SDK activity 3 day(s) ago. Investigated: sdk 100%.
- [warn] Description completeness — 50/52 operations lack a description. Investigated: sdk 4%.
- [fail] Quickstart present — No quickstart/getting-started page found at the conventional paths. Investigated: docs 0%.
- [fail] Code samples in docs — No detectable code samples across 1 sampled docs pages. Investigated: docs 0%.

### Agent Discovery

- [warn] Docs reachable, not hard auth-gated — Server ignores Accept: text/markdown header (0/1 pages return markdown). Investigated: docs 75%.
- [warn] Registry & SDK presence — No MCP server, tool manifest, or list-tools capability is discoverable (server entrypoint: absent, tool manifest: unknown, list-tools: unknown). Investigated: sdk 50%, docs 0%, cli 0%.
- [warn] Crawlable / AEO — No sitemap discoverable via robots.txt or /sitemap.xml on the docs host. Investigated: wellknown 50%.
- [fail] llms.txt present, valid & comprehensive — No llms.txt found at any candidate location (https://api.icicidirect.com/breezeapi/documents/index.html/llms.txt, https://api.icicidirect.com/llms.txt, https://api.icicidirect.com/docs/llms.txt). Investigated: docs 0%, sdk 0%.

### Agent Understanding

- [warn] Agent-navigable, token-efficient docs — No pages support .md URLs (0/1 tested). Investigated: docs 71%.
- [fail] Agent instructions file (AGENTS.md) — No AGENTS.md at the site root or /.well-known/. Investigated: wellknown 0%.
- [fail] Docs structured data — Neither JSON-LD nor OpenGraph/meta tags detected across 1 assessed pages (1 JS-rendered). Investigated: docs 0%.
- [skip] Machine-readable errors (RFC 9457) — No surface produced evidence for this capability in this run.
- [skip] Operation purpose clarity — No surface produced evidence for this capability in this run.
- [skip] Description consistency across surfaces — Only 1 surface description(s) with ≥6 tokens available; need at least 2 to compare.

### Agent Usability

- [warn] Sandbox separation — No test-mode flag or sandbox environment is exposed. Investigated: sdk 50%.
- [fail] Idempotency documented — No built-in retry machinery was found; transient failures are not retried. Investigated: sdk 0%.
- [fail] Runnable collection with test scripts — No public Postman workspace discovered for the org. Investigated: platform 0%.
- [skip] Rate-limit signaling — No surface produced evidence for this capability in this run.
- [skip] Pagination documented & consistent — No surface produced evidence for this capability in this run.

## Executive Summary

ICICI Bank's API program shows relative strength in API design and schema quality, but agent discoverability and agent usability are critically underdeveloped — meaning partners and their AI agents cannot reliably find, understand, or safely run workflows against these APIs without manual intervention. The most urgent priorities are establishing a machine-readable discovery layer (llms.txt, agent instructions, structured metadata) and providing runnable, test-backed collections so partners can reach a first successful call in minutes and build with confidence.