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Multiple banks. Different interest rates. Call it a "conflict of interest".

ICICI Bank Personal Loan

ICICI Bank Personal Loan
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Promised Interest Rate

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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

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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

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 28 Mar 2015

ICICI Bank Personal Loan Details
Interest Rate (Monthly reducing balance) 13% to 19.50%
Processing Fees 0.5% of the loan amount
Loan Tenure 1 year to 5 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

Apart from the processing fee of up to 2.5%, the ICICI Bank personal loan will attract an interest rate between 13.00% and 18.00%. In the event that a person defaults on the repayment, an interest rate of 2% per month will be charged, which translates into a rate of 24% per annum. If someone decides to go in for the prepayment option then they may be charged an amount equal to 5% of the principal outstanding amount. It needs to be kept in mind that the rates of interest, and any other charges for services, are subject to change as per bank policies.


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

If the applicant is a salaried individual then the following eligibility criteria will apply.


  • The person applying for a personal loan from ICICI Bank must be of a minimum age of 23 years and a maximum age of 58 years.
  • The person must have a monthly income of Rs.17,500 or more.
  • If the person resides in Delhi or Mumbai then they must have a minimum monthly income of Rs.25,000 per month.
  • If the person is a resident of Bangalore, Chennai, Hyderabad, Kolkata or Pune then they must have a minimum monthly income of Rs. 20,000 per month.
  • The applicant must have a total of 2 or more years of work experience.
  • They should also have a minimum of 1 year of work experience with the current employer.

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:

If the applicant is self-employed then the eligibility criteria for an ICICI personal loan will be as follows:


  • The minimum age for self-employed individuals is 28 years old and the maximum age is 65 years.
  • In case the applicant is a doctor then the minimum age is 25 years.
  • The minimum turnover of the business of the applicant must be, as per audited financial statements, Rs. 40 lakhs in case of non- professionals and Rs. 15 lakhs in case of professionals.
  • The minimum profit after tax should be Rs. 2 lakhs for self-employed individuals and proprietors while for non-professionals it has to be a minimum of Rs.1 lakh.
  • The person applying for the loan has to have been in the current business for a minimum of 5 years. In the case of doctors, they need to have been in business for at least 3 years.
  • The applicant also needs to have had a relationship with ICICI Bank for a minimum of 1 year. This could be in the form of a savings or current account or even in the form of a loan that is still being paid or was completed within the preceding 36 months.

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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ICICI Bank Personal Loan Reviews

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

    ICICI bank is forwarding mails stating interest as 13% for personal loan but they approved the loan for interest rate of 18%. I am not satisfied with such discrepancies. Other banks are offering loan with low processing charge but ICICI bank charged me high. Since being customer of ICICI bank for 12 years, I like recommending others.

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

    Executive of ICICI bank came to my place to collect the documents and they did not let me run anywhere to complete paper works. Personal loan process was smooth. Online the mentioned interest rate was 13% but later they processed it for 14.5% stating my salary is eligible for 14.5% only.

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

    ICICI Bank personal loan process was really good, my opinion is it would be great if they work on their time scales. They took a lot of time to process the loan . I had called them several times but I did not get any proper response from them on time. They took more than 10 days of time to process the loan.

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

    ICICI Bank personal loan process is really good. My feedback is from my perspective they have rendered very good service. The loan was approved on time it was credited to my account on time. There was no further delay, I liked the way they explained things to me they were providing quality information. They hardly took 3 days of time to process the request. There were no hurdles with the documents and I did not face any issues with them.

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

    It was nice experience with ICICI bank and really they transfered funds much earlier. ICICI bank is not implementing the RBI rules immediately and they have to work on it. On online the interest rate was mentioned something but later they sanctioned with different rate. No issues in respect to fore closure of personal loan.

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

    Comparing to other banks I am much satisfied with ICICI bank so I approached for personal loan. The percentage of interest is 16 and the processing charge that collected from my side was around rs4000. Overall ICICI took a month to credit the loan amount. I feel comfortable paying the EMI on 5th of every month.

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

    ICICI Bank personal loan process is really good. Interest rate offered by them is in line with the market price. Processing fee charged by them is also ok. The only concern here is the preclosure charges as I got to know about this at the later part after reading the disclaimer. If I had known about this during the intial stages I would have gone with Axis bank as Axis bank is offering nil foreclosure charges.

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

    Customer support is good and my personal loan process was smooth. ICICI bank provided good response on my loan request so like to thank them. Interest rate is good whereas comparing to other banks it is bit high. In respect to processing charge ICICI is nominal.

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

    ICICI Bank personal loan service is really good. The rate of interest offered by them was very high. After taking the loan I got to know that HDFC Is offering a better deal than ICICI. HDFC is offering me around 11% . However ICICI Bank is offering around 15.5%. One good thing about ICICI Bank is they helped me when I was in need of loan.

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

    My personal loan with ICICI Bank is really good. Interest rate offered by them was very high which is 17%. They took about 15 days to 20 days of time to process the loan. Customer service offered by them was really good. I like the way they interacted with me. I have received the loan documents on time.

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

    I have taken personal loan from ICICI bank just for one year of tenure so the interest rate is affordable. I would say that the loan process was quick. I did not like that I submitted documents twice though I uploaded all documents through online. Procedures were fine and no issues while dealing with ICICI for loan.

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

    ICICI Bank took a lot of time to process the personal loan. Initially, I have sent a lot of emails to them. I have not been contacted by the right person I have to tried to call them a number of times however I did not get any sort of response from them. I directly contacted the Bank the very next day I got a call from them and they helped me a lot finally I got the loan.

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

    In comparison to other banks, interest rate of personal loan is good and processing charge is nil. ICICI bank did their best and the revert was immediate. Not only loan experience and also banking experience is good. Much satisfied with ICICI bank as the documentation part is strict and the executive who visited to collect documents had displayed his ID proof to authorize him as document agent.

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

    Very good experience and ICICI bank is doing good whereas the interest rate is bit high. Interest 18% is fixed for entire tenure of 4 years. I asked ICICI bank to negotiate on interest rate but they did not ready to reduce thus bit dissatisfied. Moreover the processing charge is 2% and for insurance I paid around 4000. Committed things were executed so I am happy in general.

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

    ICICI Bank personal loan is really good, I am very much satisfied with them. The best part is the rate of interest offered by them is much lower when compared with others which is 14%. Processing fee charged by them was rs 2600 even this is very low. After submitting the documents within 2 or 3 days of time my loan was processed.

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

    I had applied for the personal loan with ICICI Bank. I was initially told that the loan amount which they can offer was 3 lakhs. Later they have offered me around 1.6 lakhs they have not kept their promises it was not an issue for me though. I got the best deal online so I had applied for it.

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

    For 15 years I am holding salary account in ICICI bank and really satisfied with banking experience but personal loan service is not that much great because I did not get quoted loan amount. I requested for 3.5lakhs but they sanctioned only 1.3lakhs. I think that the interest rate should be 14-15%. Executive visited my place to collect documents.

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

    Good customer support from ICICI bank and even they responded well of personal loan. Interest rate is best as I got 14%. Actually I requested for 2lakhs and post all deductions, received amount is 1.93lakhs. I like ICICI bank most because within 10 days the loan was sanctioned. There was some communication gap thus suggesting executive to have enough product knowledge.

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

    One of my EMI has been deducted with ICICI Bank for the personal loan. Everything is fine, I am very much satisfied with the service offered by them. Rate of interest offered by them was 18% which is a bit high. Processing fee charged by them was rs 9000 approximately which includes insurance as well however insurance was not informed to me when I applied for the loan.

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

    Rate of interest is high in ICICI bank on personal loan. I have salary account with ICICI bank and satisfied with that but the personal loan process is not that much satisfactory. In respect to processing charge no issues as it is normal but fore closure is high comparing to other banks. ICICI does not have partial payment option so they should give such option.

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