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ICICI Bank Personal Loan Ratings
4.0 / 5.0 by 843 users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

ICICI Bank Personal Loan Reviews

"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. "

, 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 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 16 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

  • Pointers for your personal loan!
    Evaluate all loan offers. The first condition for loan offer selection is the total money outflow that the loan will cost. The second factor is the EMI. A loan offer with a lower EMI and a longer tenure may seem attractive, as it could be easy on your purse strings, however not all such loans prove to be cost effective in the long run.
  • Alternatives to a personal loan!
    Whenever people have a requirement for some urgent cash and cannot come up with the amount needed with the resources they have, they inadvertently apply for a loan from a bank. Getting a loan today has become very easy, what with the stiff competition prevalent among different banks.
  • A personal loan? Think twice!
    Personal loans are the one of the most widely chosen options, in case you are in a spot and need some urgent cash. However, personal loans are tricky and you need to know as much as possible about their basics before applying for one. Let’s start with some common questions.
  • Have more questions on loans? Ask us now!
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Personal Loan Forum

Comments: 37    Views:      September 26

Comments: 1    Views: 51     March 05

Comments: 1    Views: 24     February 28

Comments: 3    Views: 32     February 18

Comments: 2    Views: 32     February 12

Comments: 3    Views: 161     December 27

Comments: 0    Views: 3     December 16

Comments: 1    Views: 240     November 11

Comments: 4    Views: 91     October 17

Comments: 1    Views: 41     July 26

Comments: 2    Views: 32     July 28

Comments: 2    Views: 181     May 22

Comments: 2    Views: 161     May 17

Comments: 2    Views: 82     May 20

Comments: 3    Views: 61     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

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Comments: 2    Views: 152     March 19

Comments: 1    Views: 11     March 14

Comments: 4    Views: 551     October 11

Comments: 0    Views: 51     October 01

Comments: 0    Views: 191     September 26

ICICI Bank  Personal Loan Reviews
Customer Reviews
Page 1 of 43 1 2 3 4 5
  • Good job
    /images/customer_review/default-unknown-person.png
    ROYAL JOHN, pune
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    validated-source
    (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
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com 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
    validated-source
    (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
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com 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
    validated-source
    (0)

    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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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com 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
    validated-source
    (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
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com 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
    validated-source
    (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
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Fine Services
    /images/customer_review/default-unknown-person.png
    ABDUL WASEEM MUJAHID, hyderabad
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    validated-source
    (0)

    I am happy with the kind of services ICICI Bank provided me,they responded very well and in a very professional manner.ICICI Bank took 6 days to approve my loan which is normal.With regard to rate of interest I felt ICICI Bank processed my loan at a better rate. It will be good if they speed up the process otherwise everything was good.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • 'Good Experience'
    /images/customer_review/default-unknown-person.png
    RAKESH LAWRENCE, chennai
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.5/5
    validated-source
    (0)

    ICICI Bank was very good in terms of quick response,awesome customer service and collected only minimum documents and processed my loan on time. But am pretty disappointed on their rate of interest otherwise overall it was fine.Bankbazaar website was quite easy to access and very informative.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Normal Service
    /images/customer_review/default-unknown-person.png
    DHANANJAY PATIL , surat
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    validated-source
    (1)

    ICICI Bank is better when compared with other banks.They disbursed my loan within 10days which is quite a long time and will be better if they credit the loan amount with 3-4 days.Rate of interest was very normal and they were clear on documentations part. ICICI Bank explained everything in detail and which avoided further delay in the process.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • ' Good service'
    /images/customer_review/default-unknown-person.png
    PRAFFUL NAMDEV, indore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.5/5
    validated-source
    (0)

    Customer service was good at ICICI Bank. Am happy to deal with them because of their good and quick response,their documentation process was fine. It will be fine if ICICI Bank consider customer who have relationship with them in terms of rate of interest.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Amazing customer service
    /images/customer_review/default-unknown-person.png
    PRAFFUL NAMDEV, indore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    validated-source
    (0)

    Customer service was good at ICICI Bank. Am happy to deal with them because of their good and quick response,their documentation process was fine.Rate of interest are quite ok when compared with other bank .It will be fine if they can able to inform customer in prior if they have to deduct anything from customer account otherwise overall it was a good experience to deal with them.

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

    ICICI Bank customer service was good,but am pretty disappointed on their rate of interest ,the executive who approached me didn't explain me the complete loan details and initially my loan process was very quick but after documents collection it was little slow, otherwise overall am quite happy with their service.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • 'Good service'
    /images/customer_review/default-unknown-person.png
    GAURAV JAGAT, new delhi
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    validated-source
    (0)

    Till now i havent faced any problem with ICICI Bank, i like ICICI bank for their prompt and quick service and benefits were also good at ICICI.ICICI Bank portal was fine when compared with HDFC Bank portal.But i suggest ICICI Bank to offer their customer with high credit limit otherwise overall it was fine experience to deal with them.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Awesome Service
    /images/customer_review/default-unknown-person.png
    GAURAV JAGAT, new delhi
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    validated-source
    (0)

    ICICI Bank was good in terms of collecting minimum documents and customer service was also good .But am pretty disappointed on their rate of interest and long verification process but otherwise am quite fine to deal with them.Bankbazaar rendered me with awesome service and website was very helpful to me.

    Was this review helpful? Yes

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Awesome Service at Bankbazaar
    /images/customer_review/default-unknown-person.png
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    validated-source
    (2)

    ICICI Bank was very good in terms of quick response and collected only minimum documents.But am pretty disappointed when they disbursed my loan in delayed manner otherwise overall it was fine.Bankbazaar website was fine its easy to view all bank in one site and customer service was awesome at Bankbazaar.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Amazing and Awesome job
    /images/customer_review/default-unknown-person.png
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    validated-source
    (0)

    Customer service was good at ICICI Bank,i got my loan disbursement on time response was fine and i like ICICI Bank documentation process. But am pretty disappointed on rate of interest otherwise overall it was good.Bankbazaar website was great to use and very informative.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • 'Affordable By Every Individual'
    /images/customer_review/default-unknown-person.png
    MARZIA ZEHERA, chennai
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    validated-source
    (1)

    Am happy to say that i am a credit card holder of ICICI Bank,am really comfortable with ICICI and i like their net banking facility,they have newly launched payback card that was really useful and am benefited by using that.ICICI Bank response was quick enough and i haven't faced any problem yet.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • "Amazing and Awesome job at Bankbazaar"
    /images/customer_review/default-unknown-person.png
    MARZIA ZEHERA, chennai
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    validated-source
    (1)

    Bankbazaar follow up was good and once after document collection i got my loan disbursement soon. I like bankbazaar quick and prompt service. ICICI Bank rate of interest was fine , but i have a suggestion for ICICI Bank ,they have to improve on their customer service but otherwise overall it was good experience to deal 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 on BankBazaar.com Reviewed on
  • 'Good Service'
    /images/customer_review/default-unknown-person.png
    RAKHI CHOUKSEY, gurgaon
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    validated-source
    (1)

    ICICI Bank response and rate of interest was good. But am pretty disappointed on their customer service the executive who approached me was hurry in explaining the whole procedure, though am not well-versed on banking i felt quite difficult to understand things otherwise overall it was good.Bankbazaar website was good at customer service and response.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • "Good Service by Bankbazaar and ICICI Bank"
    /images/customer_review/default-unknown-person.png
    SELVANADEN T, chennai
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    5.0/5
    validated-source
    (1)

    ICICI Bank was good in terms of customer service and processing time was quick.I don't have any issue with ICICI Bank it was good experience to deal with them.Bankbazaar website was good,but it will be fine if they can frequently update the customer on their loan status.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Good experience
    /images/customer_review/default-unknown-person.png
    SHANKAR S, coimbatore
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    4.0/5
    validated-source
    (3)

    ICICI Bank customer service and instant response was really good.But ICICI Bank service was fine at the time of document's collection but after that i followed the executive to know my loan status otherwise their rate of interest was good when compared with other bank.Bankbazaar website was user friendly,easy to access but it will be good if they place any special pop-up question to differentiate customer who are really looking for loan and inquiry.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
Customer Reviews
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