ICICI BANK Personal Loan Overview

• Loan amount: ₹50,000 to ₹50 lakh

• Tenure: 12 – 72 months

• Interest rate: Starting at 10.80–10.85% per annum, up to ~16–16.65%, depending on your credit profile

Processing fee: Up to 2% + GST of the loan amount.

Who can apply?

• Salaried:

  • Age: 23–58 years

  • Minimum net monthly income: ₹30,000 (varies by region)

  • At least 2 years of work experience and 1 year at current residence

Self-employed:

• Age: 28–65 years (25+ for doctors)

• Annual turnover: ₹40 lakh+ (non‑professionals) or ₹15 lakh+ (professionals)

• Profit: ₹2 lakh+ (or ₹1 lakh for some)

• Business operational for a minimum period

• Minimum 1 year of relationship with ICICI

Required Documents

Salaried:

• ID & address proof (PAN, Aadhaar, passport, etc.)

• Last 3 months’ salary slips + bank statements

• Residential proof (utility bill/lease)

• Passport-size photos

Approval & Disbursal Timeline

• Pre-approved users: Disbursal within seconds/minutes after OTP confirmation 

• Regular applications: Typically within 24–72 hours of document submission.

• ICICI BANK CUSTOMER CARE NUMBER : 18001080

•  TRACK MY APPLICATION
   I LENSE

  ICICI Bank offers personal loans ranging from ₹50,000 to ₹50 lakh with attractive interest rates starting at around 10.80% p.a. The loan tenure is flexible — 1 to 6 years — with quick approvals and minimal paperwork. Eligible salaried and self-employed individuals can apply easily through FJS LOAN or the iMobile Pay app for instant offers and fast disbursal. Existing ICICI Bank customers often get pre-approved loans with same-day credit to their account. Applicants need basic KYC, income proof, and a good credit score (preferably 700+). The whole process is 100% online, secure, and convenient, with transparent EMIs and online tracking.

  
  

  
  

ICICI Bank Personal Loan is a versatile financial solution designed to help individuals meet their diverse personal needs with utmost convenience and minimal hassle. Whether you are planning a dream vacation, funding a wedding, managing unexpected medical emergencies, renovating your home, or consolidating your debts, an ICICI Personal Loan can be the ideal source of quick and easy finance. ICICI Bank, one of India’s leading private sector banks, offers personal loans with attractive interest rates starting from around 10.50% per annum, flexible repayment tenures ranging from 12 to 72 months, and quick disbursal, often within a few hours of approval. Salaried individuals, professionals, and self-employed persons can all avail of this loan, provided they meet the eligibility criteria, which typically include a stable income, good credit history, and a minimum net monthly income as specified by the bank. The application process is simple and largely paperless for existing ICICI Bank customers, who can apply through net banking, iMobile Pay app, or by visiting the nearest branch. With pre-approved offers for eligible customers, the bank ensures faster approval and instant disbursal, making it a popular choice for those seeking urgent funds. Applicants can check their eligibility instantly online, calculate their EMIs using the bank’s user-friendly EMI calculator, and submit documents like identity proof, address proof, and income proof to complete the process. ICICI Bank also offers balance transfer facilities that allow customers to transfer existing personal loans from other banks at competitive rates, reducing their overall interest burden. No collateral or security is required, and the loan amount can go up to ₹50 lakh, depending on the borrower’s profile and repayment capacity. The bank maintains complete transparency regarding fees and charges, including processing fees, prepayment charges, and foreclosure terms, ensuring that borrowers can make informed decisions. In addition, ICICI Bank’s robust customer service network, digital support, and dedicated relationship managers assist customers at every stage, from application to repayment. Flexible repayment options and part-payment facilities help borrowers manage their EMIs as per their cash flow without any stress. The personal loan comes with the option of insurance cover to safeguard the borrower’s liabilities in case of unforeseen events like job loss, disability, or death, offering complete peace of mind to the borrower’s family. ICICI Bank uses advanced technology to process loan applications quickly and securely, minimizing paperwork and providing real-time status updates. By leveraging its vast branch network and digital channels, ICICI Bank ensures that customers from metro cities to smaller towns can access personal loans seamlessly. Borrowers can also benefit from special offers during festivals and promotional campaigns, which often include discounted processing fees or lower interest rates. Overall, ICICI Bank Personal Loan stands out as a reliable and efficient financial tool that empowers customers to fulfill their aspirations and tackle life’s unplanned expenses with confidence. The bank’s strong reputation, customer-centric approach, and innovative digital services make it a preferred choice among millions of Indians who seek financial freedom without compromising their savings or liquidating long-term investments. Whether you are looking to upgrade your lifestyle, handle emergencies, or pursue personal goals, an ICICI Personal Loan gives you the freedom to do so without any financial strain. With competitive rates, flexible terms, quick approvals, and dedicated customer support, ICICI Bank continues to strengthen its position as a trusted partner for all your personal financing needs. For more details, interested applicants can visit the official ICICI Bank website, reach out to customer care, or walk into any nearby branch to get personalized assistance and unlock the best possible personal loan deal suited to their needs and repayment capacity.