ICICI Bank Personal Loan

ICICI Bank Personal Loan
 4.0 / 5.0   by 1587 users
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ICICI Bank is the second largest bank in India by assets and by market capitalization. ICICI Bank India offers instant personal loans for a wide range of your personal needs at attractive interest rates. ICICI Bank has partnered with BankBazaar to offer personal loans at the lowest interest rates for salaried and self-employed individuals. In addition you can apply online instantly and get e-approved. Check below to know your eligibility and documentation needed for ICICI personal loans.


You’re probably eligible for an ICICI Bank Personal Loan if you are

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ICICI Bank Personal Loan Minimum Age

At least 23 years old

ICICI Bank Personal Loan Maximum Age

Less than 58 years old

ICICI Bank Personal Loan Eligible Employment Type

Salaried / Self – Employed
with regular income

ICICI Bank Personal Loan Minimum Income

Earn more than the minimum
income required


Your ICICI Bank Personal Loan amount eligibility is based on these factors

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ICICI Bank Personal Loan Minimum Salary

Minimum income required
Rs.17,500 per month

ICICI Bank Personal Loan Maximum Loan Funded

Maximum allowed personal loan is Rs. 15 lakhs

ICICI Bank Personal Loan EMI

EMIs of other loans lower
your eligibility


Increase your eligible ICICI Bank Personal Loan amount by these steps

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ICICI Bank Personal Loan Payoff Outstanding Credit Card Bills

Pay off your credit card bills

“ICICI

Choose longer tenure loan up to 4 years


Documentation needed to apply for an ICICI Bank Personal Loan

  • 1. Signed application form with photograph
  • 2. Copy of passport/voter ID card/driving license
  • 3. Processing fee cheque
  • 4. Salaried
    • Latest 3 months Bank Statement (where salary/income is credited)
    Self Employed
    • Latest 6 months Bank statement
  • 5. Documentation for salaried applicants:

    Salary slips for last 3 months

  • 6. Documentation for self-employed applicants:

    Income proof (audited financials for the last two years)


ICICI Bank Personal Loan Interest RatesUpdated on 27 Aug 2014

ICICI Bank Personal Loan Details
Interest Rate (Monthly reducing balance) 13.49% to 20.00%
Processing Fees Upto 2.25% of loan amount plus Service Tax
Loan Tenure 1 year to 4 years
Pre-closure Charges 4% of pre-closed amount
Guarantor Requirement No guarantor required

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News about ICICI Bank Personal Loan

  • What works for a personal loan and what doesn't?

    Everyone of us think about personal loans whenever there is a sudden or short term financial requirement As part of an unsecured loan, personal loans are a great financial tool when faced with financial dilemma including overdue credit card woes to meeting personal financial difficulties, or occasions like wedding.Read more

    25th February 2014

  • What is the right time to prepay your personal loan!

    The personal loan has become a popular tool that is used by many people to raise additional cash when in tight corner or when there is an urgent requirement of money at a short notice. However in most cases the situation does ease off after some time and the burrowers are in comfortable position pay back the loan availed by them. That is the time when most people land up in a dilemma about prepaying their outstanding loans. There are several issues associated with prepaying personal loan before its complete tenure.Read more

    25th December 2013


ICICI Bank Personal Loan Reviews

Customer Reviews
Page 1 of 50 1 2 3 4 5
  • (0)

    Before 2 years, for some personal reason and emergency I apply for personal loan in ICICI Bank. I request them to complete process ASAP. So, they verify all docs and my background process and wonder is they approve my loan within 3 days only. I really like their fast process when we are really in some urgent need. Thanks team... 3 Cheers for you...

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  • Validated User
    (1)

    It was a good experience of applying a personal loan with ICICI bank via bank bazaar. Response from both bank bazaar and ICICI bank was very good. I don't have proper documents to submit hence my application was closed by the bank. Rate of interest & charges are the best in the market when compared to other private banks.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Its a good experience its been a good one with this ICICI Bank Personal Loan as the response is good they followed up many times for the document and the assistant is fine and its good, actually till the time they where following up for the loan but i was out of station so i could not go for it.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I would like to rate ICICI Personal loan as 5 because like within a short time any one needs loan on time they take it short and there is nothing much to runaround and every thing was done by ICICI and being a customer did not have to worry about anything and I just have to write everything was done by ICICI and bankbazaar is a platform really helps anyone to know how much loan we can get by just going online

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    My overall experience of applying a personal loan with ICICI bank was fine. Unfortunately I had to switch over to different bank because the interest was quite high and the loan amount offered by the bank was little lesser than my expectation. Otherwise everything was fine. Processing was much faster and the response was too good.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    It was a good experience of availing a personal loan from ICICI in this year. I had personally visited the branch and discussed about the loan requirement. Someone from bank came to my office and collected all my documents. There was a slight delay in processing the loan due to some issue in my PAN card photocopy however they disbursed my loan within 15 days of time with a good rate of interest around 15%.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    The experience with ICICI bank was not good and satisfactory. They have taken lots of timing and I was calling them continuously. They used to tell me to wait for such a long time for giving information about the company listing, eligibility etc. Interest rate was 17% was too high. I would suggest that this bank should be customer oriented and flexible by giving importance to the customer needs.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Previously I applied with ICICI bank, then later it was not processed due to the bank norms. I think in Bankbazaar, i saw the interest rates of ICICI bank which was higher, even submitted the documents but then there was no response. It would be better if they could had told the clear status of the loan.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    ICICI Bank i applied for a personal loan through on-line for more than 5 lakhs , and the moment i applied the rate of interest they said it was 18% and they said if your personal loan is more than 5 lakhs we will reduce the rate of interest, as per their commitment they reduce the rate of interest to 16%. I got the loan amount credited into my account with in three days.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Its good as am holding ICICI debit card and account with ICICI. I had two wheeler loan previously, even have ICICI Lombard insurance, so overall it is good. Its OK but moreover interest rate is same like other banks. I didn't like to go with the loan as arranged with other source.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    I did not take any loan from ICICI and their interest rate is very low also I wish to say that their customer support is very good. Actually I have not done any business with them so far this experience of mine is when I approached them for a ICICI Personal Loan

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Once I applied, there was no response from them. ICICI bank is good even I have my salary account, no follow ups from them. Its I was keeping on going back of them. AXIS bank is good in terms of response. I want a quick and faster response rather than keeping silent.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    ICICI bank collected all the documents from me and didn't process. I contacted several times, no response from them. I approached one person who collected all documents, they told that person from the bank will confirm about the payment, but didn't turn up. Later on I didn't tried out with any bank. NO issues with the interest rate.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    ICICI Bank personal loan executive came to my place yesterday they will come with some offers dats it currently there is no services relating to that, every bank is same everyone processing is also same, being customer am looking out for a good interest rate and as well good offers like processing fee they can waive off like that.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    ICICI bank provided 17% interest rate for personal loan, no processing fees. Customer service is really good, they were very faster in services. Due to the emergency, i had applied with ICICI and its almost 2 months, as of now its a good experience.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    ICICI Personal loan is very good and they are very fast in processing the request they have given the disbursement with in 7 days and dats it because in terms of timing its a better timing no suggestion for them and i will recommend icici bank to all

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Bankbazaar website is very good website is fine I am using it and I can access it easily to find all details its user friendly and it will be very good if get a clear information from the customer service and within a few hours I got a call from them and provided all information

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    My experience of availing a personal loan from ICICI bank was very good. I went to the branch directly where I am holding a savings account for availing the personal loan. Someone came to my house for collecting the documents and my loan was disbursed within 10 days. I had negotiated the rate of interest & processing fees and they did reduce them on my request.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Bank part is good as far as ICICI Personal banking account is concerned they provide all the service part everything is fine its premier account so they good care of customers and costumer service they never attend the call on time and hold period is almost 9 minutes so its very inconvenient to hold the line for 9 minutes to speak with the executives and its most of the times is going unresolved and even if i speak with the executive they are able to assist properly.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    It was an amazing experience of availing a personal loan from ICICI bank last year. I was looking for a personal loan and ICICI bank came forward to offer me a loan considering the company I work for. I don't find any difficulty in documentation and the disbursal time was around 10 to 15 days fro the date of application.

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    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
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