Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • ICICI Agriculture Loan Reviews

    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      In concern to my perosnal loan, I got a quote in the beginning from ICICI bank but after that few changes were made in the rate of interest so that was the reason I haven't got the loan with ICICI bank. The Customer service is not up to the mark and they haven't fulfill my requirement . The rate of interest was nominal when compared with others, The follow up need to focused with ICICI executives.
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      , srinagar
      Reviewed on Sep 23, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I didn't got personal loan from ICICI bank because their interest is high and the loan amount which they were about to offer was low with ICICI when compared with other banks. The customer service was good with ICICI bank. There interest rate can be decreased in future with ICICI .
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      , coimbatore
      Reviewed on Sep 23, 2017
    • ICICI Bank Personal Loan
      "User friendly Banking"
      0.5 5.0/5 "Blown Away!"
      My salary was not meeting their criteria. Since my loan application has got rejected but i am pretty happy about the bank and their service. Some executive from their end contacted me and informed and even i got a mail. i can recommend this bank to others.
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      , hyderabad
      Reviewed on Sep 23, 2017
    • ICICI Bank Personal Loan
      "Norms should be improvised "
      0.5 4.0/5 "Great!"
      Tho ICICI bank did not approve my loan i am satisfied with their service. The rejection of my application is due my the company i applied for. They told me the will not provide loan facilities to employees of VIDEOCON . IT would been better if they compromise their norms.
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      , siliguri
      Reviewed on Sep 23, 2017
    • ICICI Bank Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      It was a very good experience with ICICI Bank and I easily got the personal loan within ten days. The executive came over to my place and collected the documentation at one shot. The rate of interest was of 14%, it was high when compared to the banks who were offering I am happy overall with the disbursement and services.
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      , lucknow
      Reviewed on Sep 23, 2017
    • ICICI Bank Personal Loan
      "Very much happy with the service"
      0.5 4.0/5 "Great!"
      The main highlight of ICICI Bank personal loan is quick processing. ICICI took very less time to process the personal loan request. I am very much happy with the interest rate and processing fee charged by ICICI Bank. Furthermore, ICICI took hardly 3 days of time to disburse the funds after submitting my documents.
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      , hyderabad
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Satisfied"
      0.5 3.0/5 "Satisfactory"
      Rate of interest was okay for the personal loan with the ICICI bank and it took around fifteen days of time to get the loan. I have got the lesser amount rather than what they have quoted. Processing charges were also huge one with them.
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      , kottayam
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "High interest rate"
      0.5 3.0/5 "Satisfactory"
      Due to the high interest rate with the ICICI BANK i canceled the application with them. The interest rate they provided was 14.99% it almost comes around 15 percentage. So i found it difficult to pay that much of interest rate for such a long period .
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      , karnal
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Best financial service provider"
      0.5 4.0/5 "Great!"
      Through ICICI BANK i have requested for a personal loan.When the executive called me regarding the verification i told him i am not staying in the location which i have provided with. So he told me If there is any change in the given address then they cant provide the loan and close the deal though I have not taken the loan I am still happy with the service as I hold an account with the same bank.
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      , bangalore
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "No Response"
      0.5 3.0/5 "Satisfactory"
      I applied for a personal loan with ICICI BANK but i did not got any proper response from the bank end. Thus my application got closed. I waited for there call ans no one from the bank end turned up till now. That was really disappointing. Such a well known brand should not respond in this manner.
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      , angul
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Poor response "
      0.5 2.0/5 "Expected more"
      I applied for a personal loan with ICICI BANK. My application got rejected as i have taken a two wheeler loan from INDUSIND bank but i have pay the whole amount with the bank.They have shown that i have a pending of 750 rupees,that affected my credit score and my application got rejected.
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      , thrissur
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Approachable bank"
      0.5 4.0/5 "Great!"
      From ICICI BANK i have requested for a personal loan. I receive my salary only through my salary account but my company would not provide any salary slip. ICICI bank executive informed me only if i can able to produce the salary slip they can proceed the loan application.,
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      , hyderabad
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Criteria should be compromised"
      0.5 3.0/5 "Satisfactory"
      With ICICI BANK i have requested for a personal loan application. I receive my salary only through my salary account but my company would not provide any salary slip. ICICI bank executive informed me only if i can able to produce the salary slip they can proceed the loan application.,
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      , bangalore
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Fast process"
      0.5 5.0/5 "Blown Away!"
      It was a fantastic process with ICICI Bank. The customer services are good and they were very quick to process my request. I have taken a personal loan and the interest rate and processing charges is normal. The disbursement was also on time.
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      , puri
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Good "
      0.5 4.5/5 "Excellent!"
      My experience is okay with the ICICI bank and the rate of interest is around 11% for the personal loan. I would like to say that the customer service and other things are really fine one with them.
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      , vijayawada
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have got the personal laon with the ICICI bank because and the interest rate was around 15.9%. I would like to say that the customer service was good one for me with them. The loan amount got disbursed within a week of time.
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      , new delhi
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Overall good"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from ICICI Bank and the process to get the loan was good. But I am no happy as they do not have a part payment option, due to which I am not able to close the loan easily. The interest rate and processing charges is on the higher side.
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      , chennai
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      With ICICI bank it was not a pleasant experience. Response was not really good one with the ICICI bank. I would like to suggest that they need to understand the customer in better way. They were not transparent with me in terms of the rate of interest and tenure, they agreed upon something with me and took sign on papers for the same, but at the time of disbursement hidden charges were applied and the tenure of the loan as well as the interest rates were changed without my knowledge.
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      , chennai
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Personal loan process"
      0.5 4.0/5 "Great!"
      ICICI Bank personal loan process was very good. Rate of interest was very high I was having an urgent requirement otherwise there was no logic behind taking this loan from ICICI Bank. The Bank was offering around 16.25% which is very high and the processing fee charged by them was 5%. Also foreclosure charges were very much applicable.
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      , ghaziabad
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The loan amount got disbursed to my account within three to four days of time. I would like to say that the response is an excellent one and the customer service is better one with the ICICI bank. I am okay with their rate of interest.
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      , pune
      Reviewed on Sep 22, 2017
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    ICICI Agriculture Loan is Rated as "Great!" by 15234 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    ICICI Agriculture Loan

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    Know the details about ICICI Agriculture Loan

    Farmers mainly depend on the harvest season to earn a few bucks that has to suffice for the whole year. With the change in climate, the produce decreases and it becomes hard for the farmer to meet his and his family’s financial requirements along with taking care of his farm. ICICI bank understands the problems faced by the farmers and the agriculturists and are offering tailor made schemes and loans to cater to their needs. The schemes and loans offered by ICICI Bank are as follows:

    Instant Gold Loan

    • You can use your gold to get an ICICI Bank Gold loan to avail finance. The loan amount can help you fulfil your financial needs such as education for your children, business expansion, working capital requirement, and down payment to purchase a property or a vehicle, agricultural need, medical emergency or to go on a holiday with your family. The documentation process is easy and fast.

    Farmer Finance

    • It is offers a wide range of agricultural loans . You can make use of the overdraft facility to meet cultivation cost and to meet expenses of working capital activities for farming and farming allied activities. Term loans are offered for buying cattle, purchasing equipment for irrigation purposes and to meet other agricultural requirements.

    There are two types of credit that is being offered

    • Retail Agri Loans – Kisan Credit/ Kisan Card: This is a credit card specifically designed for farmers. You can meet your day to day farming requirements through this card.
    • Long term loan for agriculture and allied activities (Agri Term Loan): You get term loan to buy cattle or agricultural equipment. The loan can be repaid over a period of 3-4 year through EMIs.

    Agri Traders and Processors

    There are two types of loans offered under this:

    • Working Capital loans: Working capital loans offered are Smart Cash Credit, Agri Credit Limit, Jet Overdraft, Micro Enterprise Credit, Agri Development Loan and Warehouse Construction Loan.
    • Loan against warehouse receipt: This loan caters to the financial requirements of those who are involved in commodities business, they are farmers, traders, processors and aggregations. The credit offered is a maximum of Rs.300 million to meet the financial requirements of agricultural operations. The maximum tenure offered is 12 months.

    Agro Corporates

    The following is offered by ICICI bank:

    • Mid cap credit, that caters to small and medium agribusiness enterprises to meet specific financing needs.
    • Forex and derivatives- Specialised parameterised program are offered for sanctioning forex and derivative facility to agriculture small and medium scale enterprises.
    • Factoring performs trade finance service by helping you convert your receivable to cash and therefore resolving the constraints of cash flow and working capital.
    • Agri investment banking solutions are offered after noticing the new trends of recent and global takeovers, acquisitions, mergers, diversification and strategic alliances that reflect agri Indian corporates and small and medium scale enterprises to the global market.

    Tractor Loan

    Hassle free tractor loans are offered to those having an agricultural land. The loan processing is quick and the repayment term is up to 5 years. You get flexible repayment options and the rate of interest is fixed through the tenure. The processing fee is low and so is the interest rate.

    Micro Banking

    ICICI Bank has created three simple products that are easily accessible by anyone. They are:

    • Self-Help Groups: You can get in touch with the bank through the NGOs for opening a savings account or to avail credit. The creditworthiness of the individual is assessed and based on various other parameters, the credit is sanctioned. ICICI Bank SHG loan requires the SHG to be in existence for at least 6 months, the group must include 10-20 women and the minimum saving corpus is set at Rs.5,000.
    • Micro Savings: ICICI Bank has partnered with NGOs, cooperative societies and trust to help you save money. The micro saving product offers security and convenience while you are earning interest on the money. You can make frequent deposits, access the account quickly and offers facility to handle small variable amounts. You can open fixed or recurring deposit accounts as well. To open ‘Apna Savings’ or a micro savings account, you require minimum paperwork.
    • Micro-Finance: Financial assistance is provided to microfinance customers in the form of term loan, overdraft and portfolio buyout facilities. The focus is to establish healthy and profitable lending business through relationships with select microfinance institutions and to invest in building deeper monitoring and control mechanisms to enable healthy growth of the microfinance sector.

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