Multiple banks. Different interest rates. Call it a "conflict of interest".
  • ICICI Bank to Offer Instant Personal Loan through ATMs is Rated as "Great!" by 17493 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 service"
      0.5 4.0/5 "Great!"
      I had been using with the personal loan from the ICICI BANK . I am satisfied with the services of this bank because they done the process very quick to get the loan also the rate of interest they have charged was nominal.They have charged me up to 16% , and they have charged me processing fee that too was nominal. And i am happy with the loan amount which they have given me .now i have closed this loan.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 18, 2019
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I've taken a personal loan ICICI bank. They had verification on time and the tenure period is 4 year . They processed the loan quickly. The interest rate was very high compare to others in the market . There was so much of delay in getting the loan . Loan amount is satisfactory .
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2019
    • ICICI Bank Personal Loan
      "Need to reduce the interest"
      0.5 3.0/5 "Satisfactory"
      Before three years I closed ICICI bank it was not hard on the documentation part, because I am an existing customer of the bank. But still I got the higher interest for the amount of Rs. 2 lakhs, The customer support is good, but interest should come down.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 16, 2019
    • ICICI Bank Personal Loan
      "Optional personal loan"
      0.5 3.0/5 "Satisfactory"
      In the year of 2007, i have taken my personal loan from ICICI. They were good in processing the loan and they do charged me a processing fee of Rs, 1000 and otherwise i found everything is fine. The amount automatically has been deducted from my salary account. I'm not aware of the interest rates provided by them.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 16, 2019
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I had been holding my personal loan ICICI bank previously, now i have closed this loan successfully, and the loan amount they have given me was sufficient, as per my requirement they have given me, and the rate of interest they have charged me was nominal, so far experience with this bank was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2019
    • ICICI Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this loan yesterday where the experience i had was quite awesome. They had called me up and offered me with a loan where i went through the iMobile application and it has just taken 2-3 minutes in getting this loan. The interest rate which they offered is around 13.99% and the tenure period is for five years.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Feb 16, 2019
    • 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 2 years . They did quick documentation and received the loan.
      Was this review helpful? 3
      , chennai
      Reviewed on Feb 15, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had applied for ICICI personal loan and to get my application processed it took only 7 days .Loan amount was credited with in an hour. It was a super fast loan application process with zero documentation. The tenure period is 4 year and i am happy to have their services .
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Feb 15, 2019
    • 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 to get the loan is good and smooth. The customer services and response is good and the documentation process is satisfactory too. The after loan services are good and the interest rate and charges is fine too.
      Was this review helpful? 2
      , new delhi
      Reviewed on Feb 15, 2019
    • ICICI Bank Personal Loan
      "More than satisfactory"
      0.5 4.0/5 "Great!"
      My personal loan is with ICICI Bank and the process was good. I got a interest rate of around 11% and the processing fees is also nominal. It is between 3K to 4K. I received the loan in 48 hours. It was a very good process and the after loan services are satisfactory too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 13, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had taken this Personal loan a very long time back and the loan has been closed. The loan amount has been sufficient but the interest rate was pretty high. There has also been some charges which they had made as well which was quite high, there hasn't been much hassle so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 13, 2019
    • ICICI Bank Personal Loan
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      ICICI BANK provided me the personal loan and i am using it from last few years but i am not satisfied with this bank because they give the higher rate of interest but there is no issues with the customer support with this bank, they are good and responsive.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 13, 2019
    • ICICI Bank Personal Loan
      "Need to reduce the interest rate"
      0.5 3.0/5 "Satisfactory"
      Other banks for providing lesser interest rates than ICICI. If i want to clear the loan they are charging some amount for pre-closure. 2 years ago, i have purchased this loan. They have offered me a interest rate of 12.75% and they have charged me a processing fee of Rs. 3000. Total tenure period of the loan is 4 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 13, 2019
    • ICICI Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this personal loan almost a year back and the process in getting this loan was quite simple. The loan amount was sufficient and the interest rate with them has been nominal when compared with the market rate. There has not been any sort of extra charges which they had made as well.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Feb 13, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have holding my personal loan with ICICI bank,they have given me sufficient loan amount , and the rate of interest they have charged me which was nominal,even there processing fee was nominal, now i have closed this loan.the experience was good.
      Was this review helpful? 1
      , pune
      Reviewed on Feb 12, 2019
    • ICICI Bank Personal Loan
      "Bad experience"
      0.5 1.0/5 "Really Bad"
      I had been applied for ICICI bank personal loan .The loan amount which they have given me was sufficient,and the rate of interest they have charged was up to 14.75% which was high compare to the market value, and they have charged processing fee up to 7000-8000 that too was high, now still running, even their pre-closure charges they have charged me up to 5 % on loan amount,as i am too existing account holder for long time,they are not agree with waived off option.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 12, 2019
    • ICICI Bank Personal Loan
      "Need to reduce charges"
      0.5 3.0/5 "Satisfactory"
      I took a personal loan from ICICI bank and my experience was average. The loan amount was sufficient and the rate of interest of 17% is way high when compared to other banks. Customer service was not up to the mark and they charged Rs 5000 for insurance. Tenure period for this loan is 48 months.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 12, 2019
    • ICICI Bank Personal Loan
      "Bad Experience of ICICI Personal loan"
      0.5 0.5/5 "Unacceptable"
      Hi all i would like say all people, please do not apply any loans to ICIC Bank. They are doing simply timepass, Not release money even after submitting all documents and clear verification. I applied personal loan APS ID 72751422 on branch ICIC0000584 before one month, after submitting all documents and verification done at present address, permanent address and office address. Still not releasing money. Please use other Banks as per your wishes and Avoid ICIC Bank for loans
      Was this review helpful? 0
      , surat
      Reviewed on Feb 12, 2019
    • ICICI Bank Personal Loan
      "Good. Can work on the interest rate"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan with ICICI Bank. The process was smooth and easy and I received the loan with ease. The customer support and response is good and there are no hassles. The interest rate is of 14.5% which is high. The processing charges are high too.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 12, 2019
    • ICICI Bank Personal Loan
      "Looking for less interest rate"
      0.5 3.0/5 "Satisfactory"
      I took a personal loan from ICICI bank and my experience was not up to the mark. Loan amount was for Rs 2 lacs with rate of interest of 16% which is way high when compared to other banks. Customer service was average with this bank and i opted for balance transfer to other bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 12, 2019
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