Multiple banks. Different interest rates. Call it a "conflict of interest".
  • Loading your search...
    Close

    Compare, check your eligibility and apply online instantly.

  • ICICI Bank to Offer Instant Personal Loan through ATMs is Rated as "Great!" by 17116 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    ICICI Bank to Offer Instant Personal Loan through ATMs

    Personal Loan Offered at ICICI Bank’s ATMs

    If an individual is low on finances and they are not financially secured, a personal loan can come in handy in a number of dire situations which require financial assistance. These circumstances could range from consolidating your credit card debt, renovation of a home, payoff any uninsured medical bills, weddings, etc.

    ICICI Bank Personal Loan through ATMs

    ICICI Bank, one of India’s biggest private sector bank, has now made it convenient for a customer to apply for a loan when they go to an automated teller machine or ATM. A customer who intends on applying for a personal loan from ICICI Bank can do so when they visit an ICICI Bank ATM.

    Existing salaried customers can avail this service and avail loans of up to Rs.15 lakh which will get deposited into their savings account after its approval. Interest rates for a personal loan offered by ICICI Bank range between 10.99% and 17.99%. The interest rate offered by the bank to a customer depends on a number of factors, but primarily on their CIBIL score. A CIBIL score of 750 and above improves the chances of getting a loan amount that an individual would require and at good rate of interest.

    How to apply for an ICICI Personal Loan via ATM

    The whole process is completely digital and paperless therefore removing any time that would have been wasted in physically providing your personal details and documents. When a customer visits an ICICI Bank ATM to make a withdrawal or a balance enquiry, the ATM will display an option on the screen to avail a personal loan.

    The steps that an ICICI Bank account holder would have to follow to avail a personal loan are listed below:

    • At an ICICI Bank ATM, a customer would have to select the pre-approved personal loan option. Multiple options for various loan amounts will be displayed on the screen. The loan amount displayed will depend on the account holder’s eligibility.
    • Once you have these options displayed on your screen, you will have accept the interest rate that is offered by the bank, EMI amount, and processing fee.
    • Read the “Terms and Conditions” that’s displayed on your screen and then confirm the same by clicking the “Accept” option.
    • You will then have to enter your debit card PIN into the ATM.

    Once these steps are followed, the bank will verify your details that you have provided and will then deposit the personal loan amount into your savings account instantly. Executive Director of ICICI Bank, Anup Bagchi, stated that the bank has been in the vanguard of digital innovation. Providing ICICI Bank’s customers with the instant personal loan option is one way of making sure that their customer base does not dwindle.

    Features and Benefits of ICICI Instant Personal Loan applied at ATMs

    The instant loan facility that’s offered at the bank’s ATMs will come with added benefits and features like:

    • swift application process
    • instant transfer of funds
    • Multiple loan amounts which are based on a pre-checked CIBIL score
    • Loans are offered for a fixed tenure of 60 months
    • Equipped with additional security measures.

    Personal Loan Reviews

    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan from ICICI bank, i am satisfied with my loan amount which they have provided to me and even they charge nominal rate of interest and even processing fee which they charge was normal, i did not found any difficulty in getting my loan approval it run very smoothly.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 16, 2018
    • ICICI Bank Personal Loan
      "Best Financial Service"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan from Icici bank , Am satisfied with the rate of interest of 10.99% which is low where no other bank will give for such low interest with nominal processing fees. They instantly approved .Their customer executive used to call for the offers if any offers goes around.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Oct 15, 2018
    • ICICI Bank Personal Loan
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I have been applied for the personal loan with the ICICI BANK personal loan and the process of getting the loan is quick and good. The customer support is not responsive added on that they are not responding properly. The loan amount was sufficient but the rate of interest is higher.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 15, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      To get a personal loan from them it has been smooth and easy and the loan amount which they had provided had fulfilled my requirements. There has been some nominal charges which had been made by them and the processing fee also had been nominal. Their customer support also had been responsive as well where they had been helpful during the process.
      Was this review helpful? 4
      , pune
      Reviewed on Oct 12, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      My experience was good with ICICI bank for personal loan, the loan amount was based on my requirement with nominal interest rate. I took this loan because i had a health issue. Customer service was good and they responded on time. The tenure period for this loan is 2 years.
      Was this review helpful? 2
      , bangalore
      Reviewed on Oct 11, 2018
    • ICICI Bank Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It was quite a good experience i had with this loan but the processing fee was a little high when compared, where they had taken 1500. There has also been some charges which had taken from my end. I had taken this loan almost to years and the loan amount has been sufficient and the interest rate has been nominal when compared with the current market rate.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Oct 11, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had taken this personal loan from them a long time back and the experience i had with them has been good. The loan amount which they had provided has been satisfactory and the interest rate has also been average and was not too high. There has been no additional charges which had been made by them so far.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Oct 10, 2018
    • ICICI Bank Personal Loan
      "Good. Can do better in charges"
      0.5 5.0/5 "Blown Away!"
      The customer services at ICICI Bank is good. I have taken a personal loan and they are very flexible to swap the EMI date options. The process to get the loan is fine too. But there are charges of 4 to 5% for pre closure. The rate of interest is normal.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 09, 2018
    • ICICI Bank Personal Loan
      "BEST SERVICE"
      0.5 4.0/5 "Great!"
      I have taken my personal loan through ICICI BANK , the processing fee is 2500 and they charge for insurance 2500 which is too high compare to others . The rate of interest is 15.5% and i personally fee it is too high with ICICI BANK. Loan amount is satisfactory .
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 08, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken my personal loan through ICICI BANK , the process of getting loan was too quick on time i got my loan . The tenure period was 3year and they charge nominal rate of interest with ICICI BANK . They gave sufficient loan with and no issue faced till date .
      Was this review helpful? 2
      , gurgaon
      Reviewed on Oct 08, 2018
    • ICICI Bank Personal Loan
      "AVERAGE"
      0.5 4.0/5 "Great!"
      I have taken my personal loan through ICICI BANK , the service is good with this bank only the thing is it was approved in 1 day but i got loan after 5 days so little slow in service apart from this loan amount they offered is 96000 and it is satisfactory . I cannot get connect to customer service . Processing fee is 3800 and it is too high .
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 08, 2018
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have take my personal loan with ICICI BANK ,initially they said 12.5% as interest rate but later they charge 15% so i am not happy with the interest here Even processing fee is too high with ICICI It is 3000 . The tenure period is 5years and they provide satisfactory loan amount .
      Was this review helpful? 1
      , pune
      Reviewed on Oct 08, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan with ICICI BANK , the tenure period is 5year and they provide satisfactory loan amount with ICICI BANK . They charge 11.4% rate of interest and processing fee is 2000 . The service and process was quite impressive with ICICI .
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 08, 2018
    • ICICI Bank Personal Loan
      "Excellent Service"
      0.5 4.0/5 "Great!"
      It has been a good experience i had with this Personal Loan where the loan amount which they had provided me has been satisfactory and the interest rate with them has been nominal when compared with the market rate. The loan amount which they had provided me was around 4,00,000 where they had charged me with some processing fee of about 7000. The loan has been disbursed in time span of one week.
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 06, 2018
    • ICICI Bank Personal Loan
      "Best Financial Service"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan from ICICI bank . Am satisfied with the rate of interest which they have provided . There is processing fees for the loan which is nominal one and its been refunded . I make the payments through ECS every month . They gave the tenure period of 4 years . They did quick documentation and received the loan amount on time.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 06, 2018
    • ICICI Bank Personal Loan
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from ICICI Bank and the process is good. The customer services and response is fine too. The process of documentation is good and there was no delay in the process. The rate of interest and processing charges is normal. I got a rate of 11.99%.
      Was this review helpful? 4
      , gurgaon
      Reviewed on Oct 05, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had taken this loan from ICICI a long time back and the experience has been quite good. The loan amount which they had provided had been good and the interest rate has been quite nominal. Their customer support also had been helpful at several times.
      Was this review helpful? 6
      , kolkata
      Reviewed on Oct 03, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      It has been a very good experience i had with this loan where the loan amount which they had provided has been satisfactory as well. The interest rate has been quite high when compared with the market rate. There also had been a processing fee about 3000 which they had charged as well.
      Was this review helpful? 5
      , bangalore
      Reviewed on Oct 03, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      It has been a good experience i had with them where the loan amount which they had given has been satisfactory. The interest rate has been quite high when compared with the market rate, and there also had been some charges made by them and processing fee also had been there. There was an insurance policy also added with this loan as well.
      Was this review helpful? 4
      , hyderabad
      Reviewed on Oct 03, 2018
    • ICICI Bank Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken the personal loan with ICICI BANK where i had a good experience with this bank because they have taken 3 days for loan approval. Documentation process is simple also they have given the 6lakhs and satisfied with that added on that the interest is 10.99% added on that the service is good.
      Was this review helpful? 5
      , bangalore
      Reviewed on Oct 01, 2018
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.