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    We found 1 ICICI Bank to Offer Instant Personal Loan through ATMs
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    Interest Rate Range
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    10.99% - 17.99% Fixed
    2.25% (min. ₹1,499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
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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.
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