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ICICI Bank Personal Loan Ratings
4.0 / 5.0 by 858 users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

ICICI Bank Personal Loan Reviews

"I like ICICI Bank customer service and instant response. But i feel when compared with other bank ICICI Bank rate of interest was pretty high and they have promised me to offer 4.5 lakhs but i got only 2 lakhs and their was a difference on tenure also, apart from that i had good experience with ICICI Bank . "

Bharat Paudel, Pune
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ICICI Personal Loans

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ICICI Personal Loan Interest Rates

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ICICI Bank Personal Loan

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ICICI Bank Personal Loan Overview

ICICI Bank 4.0 / 5.0 by 858 users     Used this product? Write a review »
ICICI Bank Personal Loan ICICI Personal Loans for urgent cash needs.

ICICI Bank Personal Loans are absolutely hassle free with minimum documentation you can now secure a Loan for an amount upto Rs.15 lakhs with ICICI Bank. Check your Eligibility Now!

Why Apply for a ICICI Bank Personal Loan on BankBazaar.com?

Benefits of ICICI Personal Loans:

  • Flexible Repayment options, ranging from 12 to 60 months.
  • No security or collateral is required to get a ICICI personal loan
  • Borrow up to Rs 15,00,000 for any purpose depending on your requirements.
  • Minimal documentation and quick approvals
  • Repayment through easy EMI’s

ICICI Bank Personal Loan FAQs

  1. What are the minimum and maximum loan amounts?
    You can avail of loans ranging from Rs 50,000/- to Rs 10,00,000/- depending on your eligibility, income and repayment capacity.

  2. What are the loan tenure options?
    The loan can be repaid over a period of 12 to 48 months.

  3. Are there any additional charges?
    A processing fee of 2% or 3% depending on the location, of the loan amount is payable upfront. This fee will be deducted from the disbursal amount payable to you.

  4. How much time will it take for my loan to be approved?
    Loans are approved within 72 hours of submission of complete documentation.

  5. Do I have to provide any security, collateral or guarantors?
    No security, collateral or guarantors are required for obtaining Personal Loans.

  6. How do I repay the loan?
    You can repay the loan in Equated Monthly Installments (EMI's) through post-dated cheques favouring ICICI Bank Limited, or if you have an ICICI Bank account you can mandate us to directly debit the same.

  7. Can I prepay my loan?
    Yes, you can prepay the entire loan outstanding anytime after paying 6 installments. Prepayment charges as applicable would be levied on the outstanding loan amount. No part prepayment is allowed.

  8. Do you offer Top Up loan on existing Personal Loan?
    We are sorry to inform you that ICICI Bank is currently not offering the 'Top- up loan' facility on existing Personal Loan relationships.

  9. Can I get a Personal Loan for business purpose?
    No, ICICI Bank do not offer Personal Loan for business purpose or to self employed individuals.

ICICI Bank Personal Loan Eligibility & Documentation

ICICI Bank Personal Loan Eligibility:

  • Aged between 23 yrs. - 58 yrs.
  • Net monthly income - Rs. 20,000 p.m.
  • 2 years in total job.
  • 1 year in current residence.

How is your ICICI Bank Personal loan eligibility determined?
Based on the following aspects ICICI Bank will determine your loan eligibility:

  • Your monthly income
  • Total experience
  • Other EMI’s which you are paying for any other loan

Fill the form above to check your actual personal loan amount eligibility.


ICICI Bank Personal Loan documentation:

  • Proof of Identity (any one) Passport / Driving License / Voters ID / PAN Card
  • Proof of Residence (any one) Ration Card / Utility Bill / Passport / LIC Policy Receipt
  • Latest 3 months Bank Statement (where salary/income is credited)
  • Salary slips for last 2 months

ICICI Bank Personal Loan Interest RatesUpdated on 24 April 2014

Details of ICICI Bank Personal Loan

ICICI Bank Personal Loan Interest Rate.(Monthly reducing balance)
14% to 21% floating. Check Customized Interest Rates Now!
Processing Fees
2% to 3% of loan amount
ICICI Bank Personal Loan Tenure
1 year to 4 years
ICICI Bank Personal Loan Amount
Rs. 1 lakh to Rs. 10 lakhs
Pre-closure Charges
4% of pre-closed amount
Guarantor Requirement
No guarantor required

Personal Loan Articles

  • Document Checklist for Personal Loans!!!
    A personal loan is by nature an unsecured credit that is provided to an individual based on his personal capability of repayment. The process is extremely simple and fast provided that the requisite documents are in order when applying for the loan.
  • What happens after a personal loan is disbursed?
    The ease and simplicity associated with the personal loan along with no restrictions on the end usage makes it extremely popular option to raise funds when there is an urgent need. There are many doubts in the minds of applicants regarding the post disbursal procedure involved in a personal loan
  • When should one apply for a personal loan?
    One should opt for a personal loan only when all other means of availing funds have been exhausted and the need is pressing and situational. Taking a personal loan when the need is not justifiable or other means are available creates tremendous amount financial complications at a later stage.
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Personal Loan Forum

Comments: 37    Views:      September 26

Comments: 1    Views: 59     March 05

Comments: 1    Views: 29     February 28

Comments: 3    Views: 38     February 18

Comments: 2    Views: 33     February 12

Comments: 3    Views: 163     December 27

Comments: 0    Views: 1     December 16

Comments: 1    Views: 265     November 11

Comments: 4    Views: 95     October 17

Comments: 1    Views: 41     July 26

Comments: 2    Views: 31     July 28

Comments: 2    Views: 183     May 22

Comments: 2    Views: 161     May 17

Comments: 2    Views: 81     May 20

Comments: 3    Views: 65     April 22

Comments: 0    Views: 161     April 12

Comments: 0    Views: 21     April 12

Comments: 0    Views: 41     April 11

Comments: 0    Views: 11     April 11

Comments: 0    Views: 1     April 10

Comments: 0    Views: 2     April 09

Comments: 2    Views: 151     March 19

Comments: 1    Views: 12     March 14

Comments: 4    Views: 554     October 11

Comments: 0    Views: 52     October 01

Comments: 0    Views: 191     September 26

ICICI Bank  Personal Loan Reviews
Customer Reviews
Page 1 of 43 1 2 3 4 5
  • Fabulous job
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    BHARAT PAUDEL, pune
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (1)

    I like ICICI Bank customer service and instant response. But i feel when compared with other bank ICICI Bank rate of interest was pretty high and they have promised me to offer 4.5 lakhs but i got only 2 lakhs and their was a difference on tenure also, apart from that i had good experience with ICICI Bank .

    Was this review helpful? Yes

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Good service from ICICI!!!!!
    /images/customer_review/default-unknown-person.png
    MUKESH KUMAR AGARWAL, new delhi
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    3.0/5
    (6)

    I am happy with ICICI Bank services. They took minimum documents from me and got my loan done. They took fifteen days to process my loan it would have been better if they would have processed it little faster. am little unhappy with their processing fees, it could have been better.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • ' Good service'
    /images/customer_review/default-unknown-person.png
    KESAVA MOORTHY, coimbatore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    (9)

    Till now i haven't faced any problem with ICICI Bank, i like ICICI bank for their prompt and quick service and benefits were also good at ICICI.Overall am happy with ICICI service!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    Was this review helpful? Yes

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Amazing customer service
    /images/customer_review/default-unknown-person.png
    KESAVA MOORTHY, coimbatore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    (2)

    ICICI Bank customer service and instant response was really good.Even i got my loan disbursement on time am quite happy to deal with ICICI Bank. But it will be fine if they inform customer about loan due date on prior after their loan disbursement ,otherwise overall am glad to have a relationship with ICICI Bank.

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    Promised Interest Rate
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    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • 'Improvisation on their service'
    /images/customer_review/default-unknown-person.png
    AVESH CHAUHAN, faridabad
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (5)

    ICICI Bank customer service and instant response was really good. Bankbazaar executive immediately called me their response was good enough initially ,but later on after my document collection, i was not informed about my loan status again i have re-submitted my documents to ICICI Bank executive ,so my loan process was dragged and got my disbursement delay otherwise am quite ok with bankbazaar service.

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    Fees & Charges
    Promised Interest Rate
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    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Good job
    /images/customer_review/default-unknown-person.png
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (3)

    ICICI Bank customer service and instant response was really good. ICICI Bank service was fine, but i feel it will be good it they reduce their rate of interest and charges/fee,otherwise am happy that i got my loan disbursement on time and had good experience with ICICI Bank .

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Good job
    /images/customer_review/default-unknown-person.png
    NARASIMULU ASHAPPA MAGALAPPA, bangalore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    (2)

    ICICI Bank customer service and instant response was really good. ICICI Bank service was fine,i like their documentation process and am happy that i got my loan disbursement on time and had good experience with ICICI Bank !!!!!!!!!!!!!!

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Virtuous Service
    /images/customer_review/default-unknown-person.png
    SANJAY GORE, gandhidham
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    (4)

    ICICI Bank customer service and instant response was really good. ICICI Bank service was fine, but i feel it will be good it they reduce their charges and fee,otherwise am happy that i got my loan disbursement on time and had good experience with ICICI Bank .

    Was this review helpful? Yes

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • ' Good service'
    /images/customer_review/default-unknown-person.png
    TAPAS KUMAR NAYAK, rourkela
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (3)

    ICICI Bank was good in terms of collecting minimum documents,response and customer service was also good .It will be good if they reduce their rate of interest and fees and charges otherwise am quite happy that i got my loan disbursement on time.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Good job
    /images/customer_review/default-unknown-person.png
    Uday Yadav, noida
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (3)

    ICICI Bank was very good in terms of services, like any type open account, personal loan, quick loan disbursement and initially customer service was good but later on they failed to update me on my loan status otherwise overall it was fine experience to deal with them!!!!!!!!!!!!!!!!!!

    Was this review helpful? Yes

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Virtuous Service
    /images/customer_review/default-unknown-person.png
    MAYANK GUPTA, bhiwadi
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (1)

    ICICI Bank rate of interest was quite fine when compared with other bank,documentation procedure was good at ICICI Bank. But it will be fine if they wor on customer service ,and even my loan disbursement happened in a quite delayed manner otherwise overall am glad to deal with ICICI.

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    Fees & Charges
    Promised Interest Rate
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    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Excellent job
    /images/customer_review/default-unknown-person.png
    OM PRASAD SUBEDI, bangalore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (2)

    ICICI Bank prompt response was fine,But initially when i approached them they offered me for 13.99% of rate of interest and again they reduced to 13.75% finally i was informed as 13.99% so it will be good if they provide accurate information and loan disbursement was also quite delay otherwise overall am happy with ICICI Bank.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Awesome Service
    /images/customer_review/default-unknown-person.png
    SHUVOBRATA DEV, new delhi
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (3)

    ICICI Bank kept their promise in terms of activating my account on the committed date.Customer service and response was quite good,basically customer will always look for quality service so i will recommend ICICI Bank for my friends and colleague.

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    Fees & Charges
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    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Good job
    /images/customer_review/default-unknown-person.png
    SHUVOBRATA DEV, new delhi
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    3.0/5
    (1)

    ICICI Bank took minimum time to disburse my loan amount and customer service was good they are good enough even on their rate of interest. But am pretty disappointed with ICICI because of their late response and it will be fine if they process loan on committed time.

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    Fees & Charges
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    took a Personal Loan from ICICI BANK Reviewed on
  • 'Good Experience'
    /images/customer_review/default-unknown-person.png
    NAVEEN MALLIKARJUN, bangalore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    (2)

    I would say ICICI Bank was good in terms of rate of interest and awesome customer service. But am pretty disappointed towards their response after document collection ,even my loan disbursement also happened in a delayed manner and it will be good if they consider customer salary instead of company categorization while deciding on loan eligibility.

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    Promised Interest Rate
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    took a Personal Loan from ICICI BANK Reviewed on
  • Good job
    /images/customer_review/default-unknown-person.png
    ROYAL JOHN, pune
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (0)

    ICICI Bank was good in terms of collecting minimum documents and customer service was also good .But am pretty disappointed on their followup after document collection i was not updated on my loan status and i haven't got my tool kit yet otherwise it was good experience to have relationship with them.Bankbazaar website was user friendly and informative.

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    Promised Interest Rate
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    took a Personal Loan from ICICI BANK Reviewed on
  • Virtuous Service
    /images/customer_review/default-unknown-person.png
    SUSHOBHAN CHAKRABORTY, kolkata
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    (0)

    ICICI Bank customer service and instant response was really good. ICICI Bank service was fine, but i feel it will be good if they work on collecting less documents from customer for their loan process.Rate of interest was pretty high when compared with other bank otherwise everything was quite ok with them.

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    Promised Interest Rate
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    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • "Good Service by Bankbazaar and ICICI Bank"
    /images/customer_review/default-unknown-person.png
    MANJUNATHA REDDY, hyderabad
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (1)

    ICICI Bank was pretty good in terms of their customer service,quick response and even i got my loan disbursement soon. Rate of interest was also quite fine when compared with other banks, Bankbazaar website was pretty good,informative but it will be good if they provide accurate loan amount in the portal otherwise am happy to use bankbazaar website.

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    Fees & Charges
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    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • Awesome Service
    /images/customer_review/default-unknown-person.png
    LEO AMARNATH, bangalore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.5/5
    (0)

    Till now i haven't faced any problem with ICICI Bank, i like ICICI bank for their prompt and quick service and benefits were also good at ICICI. It will be good if ICICI Bank reduce their "Turn Around Time" otherwise overall am happy with ICICI service.

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    Fees & Charges
    Promised Interest Rate
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    Responsiveness
    took a Personal Loan from ICICI BANK Reviewed on
  • 'Good Experience'
    /images/customer_review/default-unknown-person.png
    LEO AMARNATH, bangalore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    (0)

    Customer service was good at ICICI Bank. I like their quick response and even they disbursed my loan on time.ICICI Bank was good in terms following customer and informing about their loan status . But am pretty disappointed on their rate of interest otherwise over all it was good to deal with them.Bankbazaar website was user friendly and quick on responding customer.

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    Promised Interest Rate
    Fees & Charges
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    took a Personal Loan from ICICI BANK Reviewed on
Customer Reviews
Page 1 of 43 1 2 3 4 5

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