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  • ICICI Bank to Offer Instant Personal Loan through ATMs is Rated as "Great!" by 17334 Users

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    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
      "Good Experience with ICICI"
      0.5 5.0/5 "Blown Away!"
      My ICICI loan amount is less, the interest rate is higher compared to other banks. They have taken 1% of processing free from the loan amt, the customer services is good, documents process also went well they taken 20 days to sanction the loan.
      Was this review helpful? 1
      , gaya
      Reviewed on Dec 10, 2018
    • ICICI Bank Personal Loan
      "Good In Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with ICICI Bank and i am happy that my application got processed with ease and on time but the expected amount was not approved. I was looking for 4 laks and only 1.5 laks was approved. This is my first time with ICICI .
      Was this review helpful? 1
      , muzaffarpur
      Reviewed on Dec 10, 2018
    • ICICI Bank Personal Loan
      "Interest rate should be best"
      0.5 5.0/5 "Blown Away!"
      Other bank is providing 10.99% of interest on the personal loan but ICICI gave me around 16% its huge when I compared with them. ICICI taken some processing fee, the loan experience was good, the executive came to my place and they completed the process.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 10, 2018
    • ICICI Bank Personal Loan
      "Best in Need"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan with ICICI and i am pretty much happy to be associated with ICICI. My application was processed on time and there was no delay in the process. It happened on time but i feel like the interest rates are bit high and it can come down.
      Was this review helpful? 0
      , veraval
      Reviewed on Dec 09, 2018
    • ICICI Bank Personal Loan
      "Good In Service"
      0.5 5.0/5 "Blown Away!"
      Recently gone for a personal loan with ICICI bank and this is my first loan with ICICI bank . When applied for it, the procedure didn't take much time . There was no delay as well, things moved bit quick. The interest rates are also reasonable. Its a good to go with Banks for loans.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Dec 09, 2018
    • ICICI Bank Personal Loan
      "Good In Service"
      0.5 5.0/5 "Blown Away!"
      I had applied for a personal loan with ICICI Bank and my application was processed on time. There was no difficulty submitting documents and there was no delay . Well the interest rates also seems reasonable to me. Overall i am happy with the services.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 09, 2018
    • ICICI Bank Personal Loan
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      My personal loan is with ICICI Bank. The customer support and response is not up to the mark. They have taken 42 days for the loan process. The rate of interest was of 12.75% finally and initially it was informed of 11.25%. There was processing fees as well. I am not that happy with the experience.
      Was this review helpful? 1
      , zahirabad
      Reviewed on Dec 09, 2018
    • ICICI Bank Personal Loan
      "GOOD BANKING"
      0.5 5.0/5 "Blown Away!"
      I have previously used the personal loan with the ICICI BANK and i have taken it because i am holding the salary account with this bank. The process is very quick it was a paperless approval and it is with the easy process. The customer support is good also i have closed this loan.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 08, 2018
    • ICICI Bank Personal Loan
      "Good In Service"
      0.5 4.0/5 "Great!"
      I was looking for personal loan and i went for ICICI bank.When i applied with them my application was taken care but it in the middle it was put on hold, as Bank was closed for Government Holidays. So due to holidays there was a bit delay but i got the promised loan amount sanctioned. Interest rates are reasonably fine.
      Was this review helpful? 0
      , mysore
      Reviewed on Dec 08, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using with the personal loan from the ICICI BANK from past four years, there service is too good, they have charged me nominal rate of interest in this loan and even processing fee they have charged me was nominal ,the loan amount they have given me was sufficient.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Dec 07, 2018
    • ICICI Bank Personal Loan
      "Charges should be reduced"
      0.5 5.0/5 "Blown Away!"
      The customer support is good, they gave good support, initially they told charges would be low, they finally they charged high for the amount of Rs.1.9 lakh, I think they taken Rs.2500 processing fee +7500 for some other charges. Finally I got Rs. 1.8 lakh in my hand.
      Was this review helpful? 2
      , vijayawada
      Reviewed on Dec 07, 2018
    • ICICI Bank Personal Loan
      "Not recommendable bank"
      0.5 4.0/5 "Great!"
      Bought my personal loan 2.5 years back. I have received the loan amount of Rs. 1.50 lakhs. They have given me a interest rate of 15% for this reason i have done a balance transfer to some other bank. I have paid the EMI of Rs. 5000 for the tenure period of 3 years. I have received the loan on time and the documentation process is quite easy.
      Was this review helpful? 3
      , bangalore
      Reviewed on Dec 07, 2018
    • ICICI Bank Personal Loan
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with them since my salary account was with them and the interest rate which they where offering was the best in the market. The process in getting this loan has been smooth and swift and the loan amount which they had provided has been sufficient. The processing fee was nominal and the interest rate was around 10.99%.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • ICICI Bank Personal Loan
      "Good. Can be more clear in the details"
      0.5 4.0/5 "Great!"
      My personal loan is with ICICI Bank. The customer support is good and there are no hassles in the process. The rate of interest is of 12.24% and I am not sure on the processing charges. The loan of Rs.4.90 Lakh was approved and I got only 4.68 Lakh. I did not get the loan letter too with the detailed information yet. I only received the insurance letter.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • ICICI Bank Personal Loan
      "Good Financial service"
      0.5 4.0/5 "Great!"
      I have taken personal loan from Icici bank . Am satisfied with the rate of interest which they have provided is nominal one . There is processing fees for the loan which is nominal one. I make the payments through Ecs every month . They did quick documentation and received the loan.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 07, 2018
    • ICICI Bank Personal Loan
      "Best Financial Service"
      0.5 5.0/5 "Blown Away!"
      Got my personal form Icici bank , as the rate of interest is good based on the market rate . Making the payments through Got approved as instant approval process and there is nominal processing fees for the personal loan. Their customer service and response is good regarding personal loan.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 07, 2018
    • ICICI Bank Personal Loan
      "Good card"
      0.5 4.0/5 "Great!"
      I have got the credit limit of Rs, 25000 and they have offered me credit limit enhancement and i have denied it. Since 5 years, i have been using the card. They used to send a regular offer notification on my mobile and mails. They have given me a offer like buy1+Get ticket in bookmyshow but i have not availed it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The process in getting this loan has been good and the loan amount which they had provided has been sufficient as well. The interest rate with them has been nominal and there has not been any sort of charges which has been made by them. Their customer support has also been responsive and has been helpful as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 06, 2018
    • ICICI Bank Personal Loan
      "Dissatisfactory"
      0.5 2.0/5 "Expected more"
      They charge very high around 15% of interest, processing fee is huge. I took the loan of Rs. 8.5 lakhs they taken 20,000 even they taken some charges for insurance. Without any proper information, they have taken insurance amount from the loan disbursement. Initially they told after one year I get 11% of interest if I get direct payroll in IBM, then I got offer in HCL company . When I approached them to get better interest but they haven't revised the interest rate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 05, 2018
    • ICICI Bank Personal Loan
      "Process should be more simpler"
      0.5 4.0/5 "Great!"
      Considering all my transaction everything with ICICI, I was expected better interest or waiver on the processing fee. They should provide best offers to an existing customer and they should not ask the back end documents from the existing customer. They have all my cible score and kyc documents.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 05, 2018
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