Actually, I did not take the personal loan from ICICI Bank. However ICICI staff were very kind and friendly. They provided all the information. Followup was really good with ICICI Bank. Rate of interest offered by them was high . Perhaps if I would have taken a loan with ICICI they would have offered me a less interest rate . Mean while, I got an offer from my Bank hence I switched over.
In two to three day I received the response and the executive did come my office to complete the procedures. The executive mentioned features and benefits of the product exactly. I never faced issues with executive as well with ICICI bank. The reason that not to take personal loan is that no requirement. While comparing to some other private banks the rate of interest is slightly on higher side but it is fine. Not sure about the exact figure but approximately it was like 13.5%.
In the recent past I have applied for a personal loan with ICICI Bank. I wonder why my application is declined with ICICI Bank. Customer service offered by them is really good. Rate of interest offered by them is nominal. I did not get any response or reply from them for the same. I am very much eager to get the loan from ICICI Bank.
It was good experience with ICICI bank but due to some reason they did not process the loan. They asked gross salary of 40k to sanction the loan. ICICI bank needs to improve on their process. Apart from this their communication was good and customer approach was wonderful. I got better offer from different bank so I did not bother much.
I was really finding difficult to get in touch with ICICI for the personal loan. They took nearly 3 months time to revert back to me. Finally I took the loan from Axis bank, Axis bank took 2 months time to process the loan however they were successfully in providing the loan. Interest rate offered by ICICI Bank is high and processing fee was quite nominal.