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  • ICICI Bank to Offer Instant Personal Loan through ATMs is Rated as "Great!" by 17017 Users

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    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
      "Good service"
      0.5 4.0/5 "Great!"
      My experience was very good with ICICI bank for personal loan,, the process took more than 15 days to complete. The loan amount was for Rs 1 lac with nominal interest rate. Customer service was good and they followed up on time. The tenure period for this loan is 3 years.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan application was approved with ICICI bank, the process was smooth and i received my loan amount within 10 days. The loan amount was for Rs 70000 for 2 years with nominal interest rate. Customer service was good and they followed up on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan application was approved with ICICI bank and the experience was good, the loan amount was for Rs 7 lakhs with high interest rate when compared to other banks. They charged Rs 30000 for insurance. Documents were collected on time and the customer service was good. I received my loan within 1week after the application was approved.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2018
    • ICICI Bank Personal Loan
      "Need to reduce charges"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with ICICI bank and my loan experience was good, the loan amount was for Rs 1 lakh with rate of interest is very high when compared to other banks. Customer service was good and they responded on time. The tenure period for this loan is for 3 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from ICICI bank and the experience was good, the loan amount was for Rs 1 lakh with nominal interest rate when compared to other banks. Customer service was good and they responded on time. They charge 2% as preclosure charges and the tenure period is 5 years.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 17, 2018
    • ICICI Bank Personal Loan
      "The interest rate is high"
      0.5 4.5/5 "Excellent!"
      I've taken a personal loan from the ICICI bank for 70000, the interest rate was pretty much high 18.%. The application process was easy and hassle free but they should seriously consider reducing the interest rate for their personal loans.
      Was this review helpful? 1
      , vadodara
      Reviewed on Aug 16, 2018
    • ICICI Bank Personal Loan
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is good overall in the loan process. I have taken a personal loan and the process was smooth. The customer support and response is good and the documentation is also normal. The rate of interest and processing charges are normal too.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Aug 16, 2018
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      They are good, it was outstanding experience with them, they supported me well, also they made regular follow ups, quick in response from them, they can also obtain the option of calling them back, if we missed to attend the call when they calling,.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 14, 2018
    • ICICI Bank Personal Loan
      "QUICK PROCESS"
      0.5 4.5/5 "Excellent!"
      Processing and documentation was very quick, as i have the savings account with the same bank there was not having any issues in transferring the funds, i actually expected 2 lakh, but they gave only , 1lakh, as the approval from the bank end.
      Was this review helpful? 3
      , chennai
      Reviewed on Aug 14, 2018
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Documentation and processing was easy, rate of interest can be reduced in further , processing fee as well, when they informed me insurance and the processing fee comes around 6000rs but they have charges more when compared with other banks.
      Was this review helpful? 2
      , coimbatore
      Reviewed on Aug 14, 2018
    • ICICI Bank Personal Loan
      "QUICK LOAN "
      0.5 4.0/5 "Great!"
      Application and website are user friendly , i have taken this loan for 48 months, i feel like the fees and charges, rate of interest is little high, processing and documentation was easy, i used to make payments by NEFT, which will reach them soon.
      Was this review helpful? 2
      , gurgaon
      Reviewed on Aug 14, 2018
    • ICICI Bank Personal Loan
      "BELOW AVAERAGE SERVICE"
      0.5 1.0/5 "Really Bad"
      Interest rate can be reduces as they have given me the rate of interest as 14.99%, every month 5th the deduction will be done from my account, also they can reduce the process timing as it took around 1 month to get processed which i felt little long period.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 14, 2018
    • ICICI Bank Personal Loan
      "Not satified"
      0.5 2.0/5 "Expected more"
      My credit card was taken with ICICI Bank.I am not happy with the process here . The loan got approved but they have disbursed it after 2 months only. The interest rate was bit high and the tenure period was 3 years . The customer service and responses was not good. The processing fee was high .
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 14, 2018
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with ICICI bank.I have to do proper followup's and the service was not up to the mark. I have been told that the loan was approved but they didn't disbursed the amount . I was looking for 80,000 and the interest rate was satisfactory .
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2018
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have taken my personal loan with ICICI Bank. I had a good experience and the loan amount was 1,50,000 and the interest rate was bit high . The process was very satisfactory and their service was up to the mark. The processing fee was also nominal so I would like to recommend to others,
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 13, 2018
    • ICICI Bank Personal Loan
      "AVERAGE SERVICE"
      0.5 2.0/5 "Expected more"
      Processing time was really long , during the documentation its could have been better, rate of interest is high when compared with other banks,transparency about the processing was zero. There are no issues with the online portal but faced some issues with ICICI.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 13, 2018
    • ICICI Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken loan with AXIS BANK and my loan experience was good. My loan amount is 500000 and interest rate is 13.5% and it is satisfactory.There are no hidden charges. I use to pay 6900 as EMI per month and tenure period is 5years. I am satisfied with customer service. Processing fee is nominal.
      Was this review helpful? 1
      , kolkata
      Reviewed on Aug 12, 2018
    • ICICI Bank Personal Loan
      "Good. Can be more clear"
      0.5 3.0/5 "Satisfactory"
      The experience and process is fine with ICICI Bank. After me applying, the documents were collected within three days, after which I got the personal loan in ten days and the loan is as needed. They initially offered me a higher interest rate of 18% and after I applied through a online channel I got a rate of 14.49%. But the bank reduced my tenure from 4 years to 3 years. Without any information they have charged me for the insurance along with the processing fee too.
      Was this review helpful? 1
      , jamnagar
      Reviewed on Aug 11, 2018
    • ICICI Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank. I had a good process and very quick experience. I have taken 5 lakhs and the interest rate was very satisfactory and the tenure period was 5 years, They haves sanctioned the loan with the committed time., The processing fee is nominal.
      Was this review helpful? 1
      , kolhapur
      Reviewed on Aug 10, 2018
    • ICICI Bank Personal Loan
      "Overall no hassles"
      0.5 4.0/5 "Great!"
      I also have a personal loan with ICICI Bank. The customer services are good and the process was on time. I did not face any delay and the documents were collected on time. The rate of interest and the processing charges is normal and the after loan services are good.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Aug 10, 2018
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