ICICI Bank Personal Loan

ICICI Bank Personal Loan
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Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

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

01
02
03
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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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02
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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

01
02
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 17 Sep 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

About ICICI Bank Personal Loan

ICICI Bank is not only the largest private sector banks in the country but also one of the largest facilitators of personal loans in India. ICICI Bank offers personal loans to help borrowers to ride over any immediate financial requirements. ICICI Banks understand that time is of paramount significance when faced with financial crisis and hence fast tracks all its personal loan applications resulting in quick loan approval and facilitation. Nominal documentation is required to apply for ICICI Personal Loan with a maximum loan limit of up to Rs. 20 Lakhs available for eligible borrowers. ICICI Banks personal loans do not require ant security or guarantor for personal loans. The money available through ICICI Bank personal loans can be used as per the individual needs and requirements of the applicant including medical expenses, foreign travel, home repair or renovation, wedding expenses or any other miscellaneous expenses.

ICICI Personal Loans are available for both salaried as well as self employed individuals and working professionals. ICICI Bank employs a quick loan approval system making sure that all personal loan requests are approved within 72 hours of submission of complete documentation.

The bank offers very lucrative interest rates for personal loans with a tenure period ranging between 12 to 60 months. ICICI Bank offers loan liability cover for personal loan applicants by insuring all personal loan liability with ICICI’s 'All Safe' Insurance.

Why choose ICICI Personal Loan?


Customized Personal Loans: Unlike a lot of other banks, ICICI Bank offers customized personal loans for every loan applicant. Everything from loan tenure to maximum loan amount is fixed as per the individual financial track record of the borrower. Salaried individuals can get a maximum loan up to Rs. 15 lakhs while self-employed individuals can get a loan up to Rs. 30 lakhs. For professionals like doctors and chartered accountants, the maximum personal loan limit is Rs. 40 lakhs and a flexible tenure of 12 to 60 months for all applicants.


Attractive Rate of Interest: ICICI Bank offers personal loans at an attractive rate of interest, starting with as low as 13.99% interest rate.


Fast Loan Approval: ICICI Bank facilitates quick loan approval and disbursal making it one of the most popular banks for personal loan applicants.


Minimal Documentation: ICICI Personal Loans do not require large documentation process and loans are facilitated after minimal documentation increasing the loan disbursal time substantially.


Cover for Loan Liability: In a unique benefit offered by ICICI Bank, all personal loan applicants can now insure their loan liability with an 'All Safe' insurance provided at no extra cost.


Instant E-Approval: ICICI Bank offers its users the advantage of applying for a personal loan online sitting at their home or office directly and through its partnering site BankBazaar.com The bank sends an instant e-approval for all successful online personal loan applicants in real time.


Features of ICICI Bank Personal Loan

ICICI Bank offer customized personal loans for every applicant, thereby making sure that each loan applicant gets the best deal. From low interest rates to quick loan approval and minimal documentation, ICICI Bank offers dedicated loan schemes for personal loans for self employed professionals, self employed non-professionals as well as salaried individuals. Some of the apparent benefits of ICICI Personal Loan include:


High Quantum of Loan: ICICI Bank offers one of the highest quanta of loan amount for personal loan applicants. Salaried individuals can attain a loan of up Rs. 15 lakhs while specialized working professionals like doctors can get a personal loan of up to Rs. 40 lakhs. ICICI Bank offers personal loan according to the financial overview for each individual applicant.


Lucrative Rate of Interest: ICICI Bank offers one of the lowest interest rates for personal loans. The bank personal loan starts from as low as 13.99%. ICICI Bank however reserves the right to revise the rate of interest and processing fee from time to time, at its sole discretion.


Online Loan Requests: ICICI bank has been one of the first banks to embrace technology and offers online loan requests from applicants. Personal loan applicants can apply for a loan by sitting in the comfort of their home and office through BankBazaar.com. After submission of online loan application, the bank sends an instant e-approval notice to the successful applicants.


Low Prepayment Charges: ICICI bank offers lowest prepayment charges for all personal loans as compared to other private sector banks in the country.


24/7 Customer Support: ICICI Bank has a dedicated customer support helpline for its loan department making it accessible for any query or requirement 24 hours a day.


Why apply for ICICI Personal Loan on BankBazaar.com?

ICICI Bank has joined hands with BankBazaar.com, India's premier financial marketplace portal for making the bank’s personal loans available for all. Users can now apply for personal loans with ICICI Bank using the state of the art online loan application tool of BankBazaar.com. The loan tool automatically checks for loan eligibility and lists out customized personal loan details from ICICI Bank.


Instant Eligibility Check Facility: The loan calculator tool of BankBazaar.com checks for personal loan eligibility for each applicant according ICICI Bank’s prescribed criteria and offers personalized loan offers instantly.


Customized Quotes: The eligible loan applicants are offered instant quotes customized as per their profile and with a discounted interest rate.


Loan Comparisons in Real Time: Successful applicants can choose their personal loan from the various loan option provided by the loan calculator tool of BankBazaar.com. Users can also customize their personal loan plans by altering their tenure and loan amount subject to the maximum loan amount calculated as per their financial history.


E-Approval Facility: Every loan applicant at BankBazaar.com gets an instant e-approval after successfully submitting his or her loan application.


Assured Privacy: BankBazaar.com assures complete privacy for all loan applications made through us. We send applications electronically to the concerned loan section of ICICI Bank.


How to apply for an ICICI Personal Loan on BankBazaar.com?

Applying for an ICICI Personal Loan at BankBazaar.com involves three simple steps.


Step 1: The loan applicant must fill the loan eligibility form with correct personal data including financial records like salary/ monthly income, other liabilities etc. Once submitted, the tool automatically checks for personal loan eligibility of the applicant and personalized personal loan options are displayed instantly.


Step 2: In the second step, the applicant is given a list of loan options as per his or her financial history. The users can compare various loan options and choose the most appropriate one.


Step 3: In the third and final step, the applicant receives an instant e-approval from BankBazaar.com after successful submission of personal loan application online.


BankBazaar.com instantly submits the loan application electronically to the loan department of your nearest ICICI Bank branch, and the bank gets in touch with you directly. Users can also check the status of their loan application through SMS alters as well as emails.

ICICI Bank Personal Loan Interest Rates

ICICI Bank offers lowest interest rates for its loan applicants. The bank can however change its Personal Loan Interest Rates from time to time as per its discretion.

Rate of Interest 13.99% to 18.00%
Loan Processing Charges / Origination Charges (Non-Refundable) Up to 2.25% of loan amount plus Service Tax
Prepayment Charges The lower of the two amounts given below: 1) 5% of principal outstanding or 2) Interest outstanding for the unexpired period of the loan.
Charges for late payment 2% per month
Duplicate No Objection Certificate/ No Due Certificate Rs. 500/- per NOC (inclusive of service tax) Rs 200/- per NOC (inclusive of service tax)

* Current Service Tax applicable is 12.36%.

ICICI Bank Personal Loan Eligibility

ICICI Bank offers personal loans to all applicants fulfilling the basic eligibility criteria.

Eligibility Criteria for Salaried Individuals

Age 23 years - 58 years
Minimum Income Salaried individuals with minimum monthly income Rs.17,500 (Rs.25,000 for applicants residing in Mumbai & Delhi; Rs.20,000 for applicants residing in Chennai, Hyderabad, Bangalore, Pune & Kolkata)
Total years in job/profession 2 Years
Years in current residence 1 Year

Eligibility Criteria for Self Employed Individuals and Working Professionals:

Age 28 years (self employed individuals) and 25 years (for doctors); Maximum age - 65 years
Minimum Turnover Rs. 40 Lakhs for non-professionals; Rs. 15 Lakhs for professionals; as per audited financials
Minimum Profit After Tax Rs. 2 Lakhs for Proprietorship Firm/Self employed Individuals and Rs. 1 Lakhs for non-professionals as per audited financials
Business Stability In current business for at least 5 years and minimum 3 years for doctors

How to calculate EMI for ICICI Bank Personal Loan?

BankBazaar.com offers users a unique tool to calculate your EMI for all loans. This helps you to understand how much a loan would cost you, and plan your budgets accordingly before applying for a loan.

With BankBazaar’s loan calculator tool, all you need to do is to enter the amount you wish to apply and the preferred tenure. The Personal Loan Calculator then calculates the EMI based on the applicable rate of interest and displays your EMI liability for the loan.

ICICI Personal Loan FAQs

  1. How can I apply for ICICI Bank Personal Loan online?

  2. All you need to do is to simply enter your personal and financial details on our site. It takes only 2-3 minutes. Our loan calculator tool automatically checks for your loan eligibility based on the details you provided and as per the bank’s norms and offers personalized loan offers as per your financial credentials. You can choose the best suited plan and apply for a loan instantly with a click.

  3. What is the minimum and maximum amount of personal loan that I can get with ICICI Bank?

  4. ICICI Bank offers one of the highest quanta of loan amounts for personal loan applicants. Salaried individuals can avail a loan of up Rs. 15 lakhs while self employed professionals can get a personal loan of up to Rs. 40 lakhs. ICICI Bank offers personal loan according to the financial overview for each individual applicant.

  5. What is the maximum tenure for which I can avail a personal loan with ICICI Bank?

  6. ICICI Bank offers personal loans with a tenure period ranging between 12 to 48 months and in some cases it can be extended for up to 60 months.

  7. Is BankBazaar.com Personal Loan Tool Free?

  8. Yes BankBazaar.com loan calculator tool is completely FREE and we are not charging any fee for the services we provide.

  9. Can I track my loan application?

  10. BankBazaar.com offers all loan applicants, an active tracking tool through both email and SMS. You will receive daily updates of your loan application.

  11. Can I know the EMI amount for my personal loan in advance?

  12. Yes BankBazaar.com has developed a unique EMI calculator tool that offers EMI breakup for all loans by entering the loan amount, tenure and rate of interest. You can compare the EMI for different loan amounts and tenures with our tool and finalize the best suited plan for your budgets before applying.

  13. Is my data safe with BankBazaar.com?

  14. Absolutely yes. BankBazaar.com does not share data with any third party other than the financial institution. All data is sent in electronic form with high level of encryption making it safe and secure at all times.

  15. After applying online with BankBazaar.com, when will I get the loan amount and how long it will take?

  16. BankBazaar.com instantly submits your personal loan application at your nearest ICICI bank branch in an electronic format. A representative from the bank will get in touch with you soon to collect documents like salary certificate, identity proof etc. On submitting these, the bank initiates verification process and checks your CIBIL score and disburses the loan if all are fine. The process may take 48-72 hours.


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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
  • Validated User
    (0)

    ICICI bank was the only bank, which gave me the least rate of interest for the personal loan. they have confirmed the time frame as 72 hours, however they took a weekâ??s time to process the request. It could be better, if they stick on to their time scales and their overall service is good.

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  • Validated User
    (0)

    I have approached ICICI Bank for a personal loan, I would say its really good, the reason being I have been offered a very low rate of interest. I guess, they are offering a low rate of interest especially for CTS and TCS employees. They are very quick in disbursing the loan amount, as they took hardly 48 hours after approval for disbursing the loan.

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

    I am really grateful to ICICI, as it offered me a personal loan, when I was badly in need of that. It just took 5 days time for them to offer me a personal loan they made it very simple for me. I am happy with the loan amount what they have offered me, however it could have been better if they would have informed about insurance, during the initial stage of the process, as I got to know about that towards the end.

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  • Validated User
    (0)

    ICICI Bank personal loan is ok, when compared with other banks the rate of interest is very high, there is no big difference between the existing customer and normal customer, it could have been better if they provide preferential rate of interest, or they should make each and every customer feel special, as other banks are offering a plot loan for the existing customers too.

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

    I had a pleasant experience with ICICI bank personal loan. It could be better if they had offered me nominal processing fee or if they have reduced the processing fee to rs 3000. I would say its a hassle free process, as I got it effortlessly. Everything is positive with this loan , also they offered me a complimentary credit card with this loan.

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

    I have approached ICICI Bank for a personal loan , Frankly speaking, I am not happy with their service because, they were not transparent, after submitting all the documents they disclosed complete information pertaining to the loan. To start with, they initial pushed me to close the balance transfer loan which I was holding, they promised that they will be offering a top loan apart from balance transfer. Later, they got back to me and said that they can offer balance transfer amount and the remaining portion would be given after 3 months time which, which was a sort of misleading information. I guess, I was carried away by their words and because of which I incurred loss.

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

    I have taken a personal loan with ICICI, I am very much satisfied with their service, I got a quick response from them. I am ok with the interest rate and processing fee, which was charged to me. I had some sort of interaction about my personal loan with the customer care team, I am happy with the way they responded and overall its really good.

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

    Good one! With in short period of time ICICI was able to provide me a personal loan, also it is the best one I would say. Only concern with ICICI would be, I did not get my policy documents on time, I got a message confirming that I will receive that by 5th of September, however I am yet to receive that till now, not only that even the welcome kit also. It could be better if they can reduce the interest rate.

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

    Awesome job by ICICI Bank, as I have taken a personal loan with them . I have no words to comment to about their service, as I am really impressed with the way the processed my request, with in 36 hours the entire process was completed . I got the loan amount it was completely a hassle free process. My only suggestion for ICICI bank would be, they can try and reduce the interest rate to a certain extent based on the customerâ?? history, as I am a existing customer of ICICI for the last 9 years, as others banks are providing discount on interest rate and procesing fee otherwise its really good.

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

    i am very elated with the response for the personal loan application from bank bazaar team. Good customer service with no extra charge with minimal processing fee and interest rates. Disbursed amount in less than 48 hrs with minimal documentation

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

    I have taken a personal loan with ICICI, their service is very good. They are very good in approaching customers, they provide quick service within 3 or 4 days time my request was processed completely and I got the loan amount . They go out of their way to ensure customer is completely satisfied and also ensure that the customer gets the loan amount at the earliest.

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

    Everything is good with ICICI bank personal loan, as I have no issues with them right now so far so good. I would be in a better position to comment about ICICI after paying the EMI. It could have been better, if they reduce the rate of interest and processing fee , I would be glad, if they would have kept insurance as optional.

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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 quite good. They normally take 6 to 7 days for processing the loan. I had already availed a loan and this is my second experience with ICICI bank. Overall customer service and response are excellent. It was totally hassle free. There was a slight delay from me in submitting the cheque leaves. However they manged to disburse my loan within a week at a rate of interest of 18%. I would suggest the bank to reduce the rate of interest & processing fees.

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

    I have taken a personal loan with ICICI. My only concern with ICICI is , the executives of ICICI were forcing me to take the insurance indirectly. It can be added to the loan amount after seeking the customerâ??s consent, however I have not taken that insurance. Apart from that everything else is fine with ICICI . I am very much happy with them.

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

    I am unhappy with the service provided by ICICI for the personal loan. The only reason , why I have chosen ICICI Bank is because, I have my salary account with ICICI Bank. They have quoted the time frame as 5 or 6 days initially, however they took about 7 to 8 days time for the documentation part itself ,for the entire process to get over they took about 15 days time. In spite of me holding an account they took such a long time to process it. On top of that, they demanded me some additional amount of rs 5000 for sanctioning the loan which is absolutely ridiculous.

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

    My opinion about ICICI Bank personal loan is ok, as they have promised me 2.5 lakhs, however I got only 1.5 lakhs. Response was very good with ICICI, I got the loan amount on time, fair enough everything was fine, the entire process was very fast, faster than what I expected. It could have been better,if they can inform the customer in advance that they can offer only this much, which enables the customer to plan accordingly.

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

    I have taken a personal loan with ICICI, my only suggestion is they have to improvise on customer service, as there was some sort of confusion. Inti ally they asked for all the details, after providing all the details and after clearing verification towards the end, they came back to me again asking for the details like contact number and mailing address, which was really confusing Later, I got it sorted out after speaking with the Manager, and Senior Management was ready to provide any sort of help for me , for which I was happy about. Finally, I got my loan.

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

    It took lot of time for me to avail the personal loan from ICICI bank last month. After submission of my documents they took around 10 days for disbursing my loan. There was some miscommunication happened and we had a slight difficulty in completing the documentation process. Only after I spoke to the manager of ICICI bank they disbursed my loan within a single day. I think the customer service really needs improvement and the response should be prompt. The rate of interest was quite high around 18%.

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

    It was a very good experience of availing a personal loan from ICICI bank last month. Actually I was promised only 2 days for processing however they had taken around 4 to 5 working days for disbursing my loan. The documentation was pretty easy and the person who was handling my case has guided me properly to get the loan. They offered me a rate of interest of just 13.45%.

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

    I am pleased with the performance of ICICI Bank personal loan , as they are very prompt. I have approached other Banks as well for a personal loan I am not that happy with other Banks. ICICI Bank provides customized services, after verifying the documents immediately, they go ahead and sanction the loan, unlike other Banks they wont take too much of time to process the request and I would call its a dynamic Bank.

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