Multiple banks. Different interest rates. Call it a "conflict of interest".
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ICICI Bank Personal Loan

ICICI Bank is the largest private sector bank in India with total consolidated assets worth over Rs.11,000 billion as of March 2018. The bank offers a wide variety of financial services and banking products, including personal loans.

We found 1 ICICI Bank Personal Loan
Bank Name
Interest Rate Range
Processing Fee Range
Loan Amount
Tenure Range
11.00% - 18.25% Fixed
From .75% (min. ₹999 + applicable tax) One time fee
20L Max
1-5 Years
Response Time : Within 30 minutes
Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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Customer Reviews
ICICI Bank Personal Loan is Rated as "Great!" by 17363 Users

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Personal Loan BYTES FROM OUR KITCHEN

ICICI Bank is the second largest bank in India by assets and by market capitalization. ICICI Bank India offers instant personal loans for a wide range of your personal needs at attractive interest rates. ICICI Bank has partnered with BankBazaar to offer personal loans at the lowest interest rates for salaried and self-employed individuals. In addition you can apply online instantly and get e-approved. Check below to know your eligibility and documentation needed for ICICI personal loans.

ICICI Bank Personal Loan Interest RatesUpdated on 16 Dec 2018

ICICI Bank Personal Loan Details
Interest Rate (Monthly reducing balance) 10.99% to 17.99%
Processing Fees Rs.999 + applicable tax to .75% of the loan amount
Loan Tenure 1 year to 5 years
Pre-closure Charges Preclosure permitted after 6 months. 5% of principal outstanding (plus GST)
Guarantor Requirement No guarantor required

About ICICI Bank Personal Loan

ICICI Bank is not only the largest private sector banks in the country but also one of the largest facilitators of personal loans in India. ICICI Bank offers personal loans to help borrowers to ride over any immediate financial requirements. ICICI Banks understand that time is of paramount significance when faced with financial crisis and hence fast tracks all its personal loan applications resulting in quick loan approval and facilitation. Nominal documentation is required to apply for ICICI Personal Loan with a maximum loan limit of up to Rs. 20 Lakhs available for eligible borrowers. ICICI Banks personal loans do not require ant security or guarantor for personal loans. The money available through ICICI Bank Personal Loans can be used as per the individual needs and requirements of the applicant including medical expenses, foreign travel, home repair or renovation, wedding expenses or any other miscellaneous expenses.

ICICI Personal Loans are available for both salaried as well as self employed individuals and working professionals. ICICI Bank employs a quick loan approval system making sure that all personal loan requests are approved within 72 hours of submission of complete documentation.

The bank offers very lucrative interest rates for personal loans with a tenure period ranging between 12 to 60 months. ICICI Bank offers loan liability cover for personal loan applicants by insuring all personal loan liability with ICICI’s 'All Safe' Insurance.

Why choose ICICI Personal Loan?

Customized Personal Loans: Unlike a lot of other banks, ICICI Bank offers customized personal loans for every loan applicant. Everything from loan tenure to maximum loan amount is fixed as per the individual financial track record of the borrower. Salaried individuals can get a maximum loan up to Rs. 15 lakhs while self-employed individuals can get a loan up to Rs. 30 lakhs. For professionals like doctors and chartered accountants, the maximum personal loan limit is Rs. 40 lakhs and a flexible tenure of 12 to 60 months for all applicants.

Attractive Rate of Interest: ICICI Bank offers personal loans at an attractive rate of interest, starting with as low as 13.99% interest rate.

Fast Loan Approval: ICICI Bank facilitates quick loan approval and disbursal making it one of the most popular banks for personal loan applicants.

Minimal Documentation: ICICI Personal Loans do not require large documentation process and loans are facilitated after minimal documentation increasing the loan disbursal time substantially.

Cover for Loan Liability: In a unique benefit offered by ICICI Bank, all personal loan applicants can now insure their loan liability with an 'All Safe' insurance provided at no extra cost.

Instant E-Approval: ICICI Bank offers its users the advantage of applying for a personal loan online sitting at their home or office directly and through its partnering site BankBazaar.com The bank sends an instant e-approval for all successful online personal loan applicants in real time.

Features of ICICI Bank Personal Loan

ICICI Bank offer customized personal loans for every applicant, thereby making sure that each loan applicant gets the best deal. From low interest rates to quick loan approval and minimal documentation, ICICI Bank offers dedicated loan schemes for personal loans for self employed professionals, self employed non-professionals as well as salaried individuals. Some of the apparent benefits of ICICI Personal Loan include:

High Quantum of Loan: ICICI Bank offers one of the highest quanta of loan amount for personal loan applicants. Salaried individuals can attain a loan of up Rs. 15 lakhs while specialized working professionals like doctors can get a personal loan of up to Rs. 40 lakhs. ICICI Bank offers personal loan according to the financial overview for each individual applicant.

Lucrative Rate of Interest: ICICI Bank offers one of the lowest interest rates for personal loans. The bank personal loan starts from as low as 13.99%. ICICI Bank however reserves the right to revise the rate of interest and processing fee from time to time, at its sole discretion.

Online Loan Requests: ICICI bank has been one of the first banks to embrace technology and offers online loan requests from applicants. Personal loan applicants can apply for a loan by sitting in the comfort of their home and office through BankBazaar.com. After submission of online loan application, the bank sends an instant e-approval notice to the successful applicants.

Low Prepayment Charges: ICICI bank offers lowest prepayment charges for all personal loans as compared to other private sector banks in the country.

24/7 Customer Support: ICICI Bank has a dedicated customer support helpline for its loan department making it accessible for any query or requirement 24 hours a day.

Why apply for ICICI Personal Loan on BankBazaar.com?

ICICI Bank has joined hands with BankBazaar.com, India's premier financial marketplace portal for making the bank’s personal loans available for all. Users can now apply for personal loans with ICICI Bank using the state of the art online loan application tool of BankBazaar.com. The loan tool automatically checks for loan eligibility and lists out customized personal loan details from ICICI Bank.

Instant Eligibility Check Facility: The loan calculator tool of BankBazaar.com checks for personal loan eligibility for each applicant according ICICI Bank’s prescribed criteria and offers personalized loan offers instantly.

Customized Quotes: The eligible loan applicants are offered instant quotes customized as per their profile and with a discounted interest rate.

Loan Comparisons in Real Time: Successful applicants can choose their personal loan from the various loan option provided by the loan calculator tool of BankBazaar.com. Users can also customize their personal loan plans by altering their tenure and loan amount subject to the maximum loan amount calculated as per their financial history.

E-Approval Facility: Every loan applicant at BankBazaar.com gets an instant e-approval after successfully submitting his or her loan application.

Assured Privacy: BankBazaar.com assures complete privacy for all loan applications made through us. We send applications electronically to the concerned loan section of ICICI Bank.

How to apply for an ICICI Personal Loan on BankBazaar.com?

Applying for an ICICI Personal Loan at BankBazaar.com involves three simple steps.

Step 1: The loan applicant must fill the loan eligibility form with correct personal data including financial records like salary/ monthly income, other liabilities etc. Once submitted, the tool automatically checks for personal loan eligibility of the applicant and personalized personal loan options are displayed instantly.

Step 2: In the second step, the applicant is given a list of loan options as per his or her financial history. The users can compare various loan options and choose the most appropriate one.

Step 3: In the third and final step, the applicant receives an instant e-approval from BankBazaar.com after successful submission of personal loan application online.

BankBazaar.com instantly submits the loan application electronically to the loan department of your nearest ICICI Bank branch, and the bank gets in touch with you directly. Users can also check the status of their loan application through SMS alters as well as emails.

ICICI Bank Personal Loan Interest Rates

ICICI Personal Loan Interest Rates are extremely competitive. The bank uses MCLR and Base Rates to determine the final interest. The new benchmark adopted by the bank, MCLR, reflects current financial conditions. Existing borrowers can choose to move to the method of using MCLR and all new borrowers are charged interest based on MCLR, automatically.

ICICI Personal Loan Marginal Cost of Funds Based Lending Rate (MCLR) (For new borrowers)

The table below highlights the MCLR rates at ICICI Bank for the current month. These rates are indicative and are liable to change on a monthly basis.

MCLR Benchmark Tenure (Period) Benchmark Rates (MCLR)
Overnight 8.95%
1 month 8.95%
3 months 9.05%
6 months 9.10%
1 year 9.15%

ICICI Bank Base (For existing borrowers)

Base Rate 9.35%, effective 05/10/2015

ICICI Bank interest rate for personal loans (Based on Base Rate)

As an existing customer you may choose not to move to MCLR, in which case you will continue paying interest as per the base rate. The bank can choose to modify this rate, with borrowers typically paying a certain percentage over and above the base rate. Tenure, relationship with the bank and loan amount is considered while calculating the final interest.

Note: ICICI reserves the right to modify/alter interest rates without prior notice. All rates mentioned here are as of April 29, 2016. Eligible individuals should check the rates prevailing at the time of application.

ICICI Bank Personal Loan Eligibility

ICICI Bank offers personal loans to all applicants fulfilling the basic eligibility criteria.

Eligibility Criteria for Salaried Individuals

If the applicant is a salaried individual then the following eligibility criteria will apply.

  • The person applying for a personal loan from ICICI Bank must be of a minimum age of 23 years and a maximum age of 58 years.
  • The person must have a monthly income of Rs.17,500 or more.
  • If the person resides in Delhi or Mumbai then they must have a minimum monthly income of Rs.25,000 per month.
  • If the person is a resident of Bangalore, Chennai, Hyderabad, Kolkata or Pune then they must have a minimum monthly income of Rs. 20,000 per month.
  • The applicant must have a total of 2 or more years of work experience.
  • They should also have a minimum of 1 year of work experience with the current employer.
Age 23 years - 58 years
Minimum Income Salaried individuals with minimum monthly income Rs.17,500 (Rs.25,000 for applicants residing in Mumbai & Delhi; Rs.20,000 for applicants residing in Chennai, Hyderabad, Bangalore, Pune & Kolkata)
Total years in job/profession 2 Years
Years in current residence 1 Year

Eligibility Criteria for Self Employed Individuals and Working Professionals:

If the applicant is self-employed then the eligibility criteria for an ICICI personal loan will be as follows:

  • The minimum age for self-employed individuals is 28 years old and the maximum age is 65 years.
  • In case the applicant is a doctor then the minimum age is 25 years.
  • The minimum turnover of the business of the applicant must be, as per audited financial statements, Rs. 40 lakhs in case of non- professionals and Rs. 15 lakhs in case of professionals.
  • The minimum profit after tax should be Rs. 2 lakhs for self-employed individuals and proprietors while for non-professionals it has to be a minimum of Rs.1 lakh.
  • The person applying for the loan has to have been in the current business for a minimum of 5 years. In the case of doctors, they need to have been in business for at least 3 years.
  • The applicant also needs to have had a relationship with ICICI Bank for a minimum of 1 year. This could be in the form of a savings or current account or even in the form of a loan that is still being paid or was completed within the preceding 36 months.

Age 28 years (self employed individuals) and 25 years (for doctors); Maximum age - 65 years
Minimum Turnover Rs. 40 Lakhs for non-professionals; Rs. 15 Lakhs for professionals; as per audited financials
Minimum Profit After Tax Rs. 2 Lakhs for Proprietorship Firm/Self employed Individuals and Rs. 1 Lakhs for non-professionals as per audited financials
Business Stability In current business for at least 5 years and minimum 3 years for doctors

How to calculate EMI for ICICI Bank Personal Loan?

BankBazaar.com offers users a unique tool to calculate your EMI for all loans. This helps you to understand how much a loan would cost you, and plan your budgets accordingly before applying for a loan.

With BankBazaar’s loan calculator tool, all you need to do is to enter the amount you wish to apply and the preferred tenure. The Personal Loan Calculator then calculates the EMI based on the applicable rate of interest and displays your EMI liability for the loan.

ICICI Personal Loans for NRI

Be it your marriage or home renovation, the NRI personal loan facility from ICICI bank come in handy for your immediate financial requirements. You apply online to avail the loan through the ICICI bank website. Here are some of the key benefits of the plan:

  • No collateral required to avail the loan
  • Maximum loan amount offered is Rs.10 lakhs
  • Simple and hassle-free documentation
  • Interest rates start from 15.49% per annum
  • The applicant however must be an Indian and the NRI co-applicant should be a family member or close relative
  • Quick sanctioning and disbursal

You can apply for the loan through various channels such as iMobile app or website or by visiting the nearest ICICI Bank branch.

ICICI Personal Loan Insurance

The ICICI Pru Loan Protect Plus plan which provides protection to your family against the burden of paying loans, in case of your untimely death. The policy provides a lump sum payment which will be at par with the loan amount. The plan allows you to pay premiums as per your comfort by allowing you to choose the years for premium payment. You can opt for lump sum payment or limited pay option. The policy also offers additional pay-outs in case of events such as accidents, major illness, disability, and the like. Income tax benefits are available on premium payments up to Rs.1.5 lakh per year.

ICICI Personal Loan via ATMs

ICICI Bank provides personal loans to individuals through ATMs. This is a very convenient way of getting loans as one can enter an ATM at any point in time and obtain a loan in a few minutes. This facility offered by the bank is very helpful for emergency situations. You can get this loan by going to an ICICI Bank ATM and applying for a pre-approved loan. You can then choose from the loan amounts that are seen on the machine’s screen. You will then see the interest rate and the processing fee for your loan amount. You can confirm your loan application by choosing ‘Accept’.

ICICI Bank Personal Loan Status

After applying for a personal loan from ICICI Bank, you may wonder if it has been accepted or not. You can check the status of your loan application with the help of the bank’s status tracker, which is available online. You do not have to visit a branch for knowing your status. You can check it with your loan application reference number or loan application form number. You will only need to enter these relevant details in the accurate field and then click ‘Submit’. In case you forget your reference number, you can enter your name, date of birth, and PAN.

ICICI Bank Personal Loan Balance Transfer

Have a personal loan balance and unable to repay it due to unfortunate circumstances? You could try transferring your existing loan balance from another lender to ICICI Bank through the personal loan balance transfer facility. With a balance transfer, you can enjoy lower interest rates, higher loan tenures, and lower EMIs. This will make sure that you save a lot of money. The starting interest rate for ICICI personal loan balance transfer is 10.99% p.a. You can also use the balance transfer calculator offered by ICICI Bank that gives you an idea of the monthly savings you would make this transfer.

ICICI Personal Loan Top Up

ICICI bank offers a personal loan top-up linked to a home loan. It provides you an opportunity to meet a wide range of your necessities such as home furnishing, marriage expenses, holiday expenses, etc. Below are some of the key benefits of the scheme:

  • Personal loan amount up to 100% of the originally sanctioned home loan
  • Repayment tenure of 20 years
  • Attractive interest rates
  • Lower EMIs
  • Simple documentation

ICICI Personal Loan Preclosure

You can visit the nearest ICICI Bank branch for prepayment of your personal loan. You should carry the following documents to complete the prepayment process:

  • The request letter
  • PAN card (for all transactions above Rs.50,000)
  • The payments can be made through cash, cheque, or DD

Note: In case you are not able to visit the bank for preclosure procedures, you can send a person on your behalf along with an authority letter signed by the applicant.

ICICI Personal Loan on Credit Card

The personal loan on credit card is a service offered by ICICI Bank through which customers can take loans for a variety of requirements. It is offered only to select customers and is sanctioned based on the spending, transaction history, and repayment record if any. Customers who have maintained a good track record with respect to credit card spend will be allowed the loan. The eligibility criteria may keep changing from time to time depending on the internal policies of the bank.

ICICI Personal Loan Customer Care

ICICI Bank has a reliable customer care facility for its personal loan product. The bank has customer care numbers for different cities that are available 24/7. You can get in touch with the zonal heads of different zonal offices and express your concern regarding your ICICI personal loan. You can also ask a query by contacting the bank. You can also send an email to the bank with your query or complaint details. You could also utilise the bank’s phone banking department’s facility.

ICICI Personal Loan FAQs

BankBazaar.com offers users a unique tool to calculate your EMI for all loans. This helps you to understand how much a loan would cost you, and plan your budgets accordingly before applying for a loan.

With BankBazaar’s loan calculator tool, all you need to do is to enter the amount you wish to apply and the preferred tenure. The Personal Loan Calculator then calculates the EMI based on the applicable rate of interest and displays your EMI liability for the loan.

  1. How can I apply for ICICI Bank Personal Loan online?

    All you need to do is to simply enter your personal and financial details on our site. It takes only 2-3 minutes. Our loan calculator tool automatically checks for your loan eligibility based on the details you provided and as per the banks norms and offers personalized loan offers as per your financial credentials. You can choose the best suited plan and apply for a loan instantly with a click.

  2. What is the minimum and maximum amount of personal loan that I can get with ICICI Bank?

    ICICI Bank offers one of the highest quanta of loan amounts for personal loan applicants. Salaried individuals can avail a loan of up Rs. 15 lakhs while self employed professionals can get a personal loan of up to Rs. 40 lakhs. ICICI Bank offers personal loan according to the financial overview for each individual applicant.

  3. What is the maximum tenure for which I can avail a personal loan with ICICI Bank?

    ICICI Bank offers personal loans with a tenure period ranging between 12 to 48 months and in some cases it can be extended for up to 60 months.

  4. Is BankBazaar.com Personal Loan Tool Free?

    Yes BankBazaar.com loan calculator tool is completely FREE and we are not charging any fee for the services we provide.

  5. Can I track my loan application?

    BankBazaar.com offers all loan applicants, an active tracking tool through both email and SMS. You will receive daily updates of your loan application.

  6. Can I know the EMI amount for my personal loan in advance?

    Yes BankBazaar.com has developed a unique EMI calculator tool that offers EMI breakup for all loans by entering the loan amount, tenure and rate of interest. You can compare the EMI for different loan amounts and tenures with our tool and finalize the best suited plan for your budgets before applying.

  7. Is my data safe with BankBazaar.com?

    Absolutely yes. BankBazaar.com does not share data with any third party other than the financial institution. All data is sent in electronic form with high level of encryption making it safe and secure at all times.

  8. After applying online with BankBazaar.com, when will I get the loan amount and how long it will take?

    BankBazaar.com instantly submits your personal loan application at your nearest ICICI bank branch in an electronic format. A representative from the bank will get in touch with you soon to collect documents like salary certificate, identity proof etc. On submitting these, the bank initiates verification process and checks your CIBIL score and disburses the loan if all are fine. The process may take 48-72 hours.

  9. Can I check the loan application status online?

    Yes, the loan application status can be checked on the official portal. There is a dedicated section titled ˜Track Application Status Online which will show you the application status on entering a few details about the application. If you have applied through BankBazaar, the loan application can be tracked online at all stages of the processing and disbursal.

  10. Where can I get the loan application form?

    The loan application form is available both online and offline. You can download the form online or get it from any of the branches of ICICI Bank.

  11. What is the preclosure criteria?

    The preclosure charges are typically low for ICICI Bank when compared to other private banks in the country. The bank levies a penalty of 5% of overall principal outstanding on preclosure of personal loans. You have to pay an additional Rs.100 to get the prepayment/foreclosure statement charges. Prepayment is possible on payment of at least 6 EMIs. Borrowers cannot part prepay their loans.

  12. What is the average processing time for ICICI personal loan?

    The bank claims to process applications without guarantee or security requirements within 72 hours of receiving the application.

  13. Is there a top-up option for the personal loan?

    Yes, you can opt for a top up loan with minimal formalities once you have received a personal loan from ICICI Bank. The top up loan can be availed any time after the payment of the first 12 EMIs.

  14. What is the importance of CIBIL score in ICICI personal loan applications?

    CIBIL score is the benchmark which ICICI Bank and other financial institutions use to ascertain the credit worthiness of an applicant. As such, the bank will most likely request for your credit profile from CIBIL while processing loan applications. The interest rate and other technical are decided after the credit score of the applicant is taken into account.

  15. What is the minimum and maximum amount provided as personal loan?

    The loan amount limits are decided as per the applicant category. Salaried individuals can avail loans up to Rs.15 lakhs and self-employed individuals are eligible for loan up to Rs.40 lakhs on satisfying related criteria.

  16. What is the minimum and maximum tenure for loan repayment?

    The personal loans from ICICI have a tenure limit from 12 months to 48 months in general. The bank also repayment tenures up to 60 months if related criteria are satisfied.

ICICI Bank Personal Loan Reviews

  • ICICI Bank Personal Loan
    "Excellent loan experience"
    0.5 5.0/5 "Blown Away!"
    I have taken a personal loan with ICICI since the service has been good i have chosen this bank. They have offered me a interest rate of 10% and the processing fee also nominal. I got the loan amount of Rs. 10 lakhs. I have been paying the EMI of Rs. 26000 for 5 years tenure period. Last February i bought this policy. Overall the loan process was smooth.
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 13, 2018
  • ICICI Bank Personal Loan
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    My personal loan earlier was with ICICI Bank. It was a good process too. The customer support and response is fine and they also provided the loan as well on time. But the rate of interest and processing charges was on the higher side when compared with other banks. I am happy that the loan was provided on time.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 13, 2018
  • ICICI Bank Personal Loan
    "Best Service"
    0.5 5.0/5 "Blown Away!"
    My experience with ICICI bank personal loan was good, the loan amount was for Rs 5 lacs with less interest rate when compared to other banks. Process was smooth and the loan amount was received on time. Tenure period for this loan is 5 years and the customer service was good.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 13, 2018
  • ICICI Bank Personal Loan
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have been applied for personal loan with ICICI bank recently , the loan amount they have charged me was sufficient, and the rate of interest they have charged me was nominal they have charged me up to 14.59% and even processing fee they have charged me was nominal also their overall service is very smooth.
    Was this review helpful? 0
    , guntakal
    Reviewed on Dec 12, 2018
  • ICICI Bank Personal Loan
    "Good service"
    0.5 4.0/5 "Great!"
    I have been applied for personal loan with ICICI bank recently from past 10-15 month only, and the rate of interest they have charged me was nominal and the processing fee they have charged me was nominal, there overall service was good, i did not face any difficulty in getting loan .
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 12, 2018
  • ICICI Bank Personal Loan
    "Average Financial service"
    0.5 3.0/5 "Satisfactory"
    I have taken personal loan from Icici bank . Am not satisfied with the rate of interest which they have provided . There are processing fees for the loan which is nominal one and its been refunded . I make the payments through Ecs every month . They gave good tenure period . They did quick documentation and received the loan on time.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 12, 2018
  • ICICI Bank Personal Loan
    "Great response from ICICI"
    0.5 5.0/5 "Blown Away!"
    I have purchased my personal loan on 7th November. I have applied the loan amount of Rs. 1.03 lakhs and i have received the same. I have received the loan in 12 days. They have offered me a interest rate of 15% and i'm happy about it. There was some processing fee also. I have been paying the EMI of Rs. 4992 and total tenure period of the loan 24 months.
    Was this review helpful? 0
    , bhopal
    Reviewed on Dec 11, 2018
  • ICICI Bank Personal Loan
    "Best service"
    0.5 5.0/5 "Blown Away!"
    My personal loan was taken with ICICI BANK , the rate of interest is good which is very nominal compare to others . There is preclosere option and they charge fee also nominal . The tenure period is sufficient . Loan amount is really satisfactory and so far it is good .
    Was this review helpful? 0
    , secunderabad
    Reviewed on Dec 11, 2018
  • ICICI Bank Personal Loan
    "Good service"
    0.5 3.5/5 "Pretty good"
    It was a good experience with this loan and i almost completed almost 20 months of EMI with this loan. The loan amount has been fine but the rate of interest has been pretty high with them when compared with the market rate. There has also been some unwanted charges taken for the insurance policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 11, 2018
  • ICICI Bank Personal Loan
    "Unhappy with the services"
    0.5 2.0/5 "Expected more"
    I am not happy with the services of ICICI Bank for the personal loan. They have taken long to process it, and when ever I contacted them, I got no response for the status of my application. It took more than 30 days. The initial rate was around 11.99% and later I was given 12.99%. They were not clear on the charges too.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2018
  • ICICI Bank Personal Loan
    "Looking for less interest rate"
    0.5 5.0/5 "Blown Away!"
    It was a good experience for personal loan with ICICI bank, it took 1 month to receive the loan amount. Loan amount was for Rs 1 lac for 5 years with very high interest rate in the market. Customer service was very good and they collected documents on time.
    Was this review helpful? 0
    , bhubaneshwar
    Reviewed on Dec 11, 2018
  • ICICI Bank Personal Loan
    "Good service"
    0.5 4.0/5 "Great!"
    My experience was good with ICICI bank for personal loan, the loan amount was based on my requirement and i got the loan within 5 minutes to my account. Customer service was good and they followed up on time. Tenure period for this loan was for 1 year.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2018
  • ICICI Bank Personal Loan
    "Good Card to use"
    0.5 4.0/5 "Great!"
    I hold a Coral credit card with ICICI bank from last 1 year, Rs 500 has to be paid as annual fee for this credit card. I have not used this credit card much and i did not find any offers so far. Credit limit is fine in this credit card and there are no transaction issues. No CAC Charges and no stamp duty charges
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 11, 2018
  • ICICI Bank Personal Loan
    "Good banking service"
    0.5 4.0/5 "Great!"
    I am banking with ICICI bank from last 1 year and i hold a salary account with this bank. Customer service is good with ICICI bank and their response is on time. ATM branches are working fine with this bank and online facilities are easy to use. I took loan without any CAC charges and without any stamp duty charges.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2018
  • ICICI Bank Personal Loan
    "Looking for less interest rate"
    0.5 4.0/5 "Great!"
    It was overall a good experience with ICICI bank for personal loan, loan amount was requested for Rs 5.4 lacs but they gave only Rs 3.5 lacs with high interest rate. Customer service was good and they responded on time. Tenure period for this loan is 5 years.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 11, 2018
  • ICICI Bank Personal Loan
    "Good service"
    0.5 4.0/5 "Great!"
    I have been applied ICICI bank credit card recently, the loan amount they have given me was sufficient up to 4,00,000, the rate of interest they have charged 16% it was bit high for me and they have charge me pre-closure charges up to 12,000 and the processing fee how much they have charge i have no idea, there was very delay in the documentation part they gave me loan after 1 month, apart of that there service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 10, 2018
  • ICICI Bank Personal Loan
    "Not satisfied"
    0.5 1.0/5 "Really Bad"
    It was not a good experience with ICICI bank for personal loan, there was no proper follow up done and approach was not good from bank. The process was very long and it took 1 month to disburse the loan amount. Loan amount was for Rs 1.50 lacs with tenure period of 3 years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 10, 2018
  • ICICI Bank Personal Loan
    "Good service"
    0.5 4.0/5 "Great!"
    I have been applied ICICI bank credit card recently, the loan amount they have given me was sufficient, the rate of interest they have charged 12.25% it bit high as they said 10.99% previously but they have charged me 12.25% and the processing fee they have charged me up to 1475 rupees it was nominal, documentation part was okay, i did not face any difficulty in that.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 10, 2018
  • ICICI Bank Personal Loan
    "Best service"
    0.5 4.0/5 "Great!"
    I have been applied ICICI bank credit card recently, the loan amount they have given me was sufficient, the rate of interest they have charged me up to 11.99% it was bit high, the processing fee they have charged me up to 1000-1500 it is nominal, but it is very slow documents , apart from that the overall service rendered by the bank is really great.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 10, 2018
  • ICICI Bank Personal Loan
    "Good Expereince with ICICI"
    0.5 5.0/5 "Blown Away!"
    Within one week of time ICICI have processed my loan disbursement I am very happy about the service of the bank. The executive gave me the door step service on the documentation part, the loan amount is sufficient with the nominal interest on loan.
    Was this review helpful? 0
    , salem
    Reviewed on Dec 10, 2018
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