Exhibit 13

Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 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, 2004 (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 Mr. N.S. Kannan, the Chief
Financial Officer of ICICI Bank Limited, each certifies that, to the best of
his 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, 2004
                                             /s/ K.V. Kamath
                                             ----------------------------------
                                             Name: Mr. K.V.Kamath
                                             Chief Executive Officer

                                             /s/ N.S. Kannan
                                             ----------------------------------
                                             Name: Mr. N.S. Kannan
                                             Chief Financial Officer


     A signed original of this written statement required by Section 906, or
other document authenticating, acknowledging, or otherwise adopting the
signature that appears in typed form within the electronic version of this
written statement required by Section 906, has been provided to us and will be
retained by us and furnished to the Securities and Exchange Commission or its
staff upon request.