ICICI Bank Personal Loan



Thinking of renovating your house? Yearning to buy a new laptop? Need financial assistance for marriage-related expenses or for your child's higher education?

An ICICI Bank Personal Loan is your one-stop-shop for fulfilling all your financial aspirations.


  • Loan up to Rs. 15 Lakhs.

  • No security/guarantor required.

  • Fast processing.

  • Minimum documentation.

  • Attractive rates of interest.

  • Flexible repayment option of 12-60 months.


  • Age 23 years - 58 years.

  • Minimum Monthly Net Take Home Salary - Rs. 25,000 p.m.

  • The minimum salary requirement will differ depending on the profile (Type of employer, having relationship with ICICI Bank etc.) of the customer.

  • Years in total job / profession 2 Year.

  • Years in current residence 1 Year.


  • What are the minimum and maximum loan amounts?
    You can avail of loans ranging from Rs 50,000/- to Rs 15, 00, 000/- depending on your eligibility, income and repayment capacity.

  • What are the loan tenure options?
    The loan can be repaid over a period of 12 to 60 months.

  • Are there any additional charges?
    A processing fee of 2% to 2.25% depending on the location, of the loan amount is payable upfront. This fee will be deducted from the disbursal amount payable to you.

  • How much time will it take for my loan to be approved?
    Loans are approved within 72 hours of submission of complete documentation.

  • Do I have to provide any security, collateral or guarantors?
    No security, collateral or guarantors are required for obtaining Personal Loans.

  • How do I repay the loan?
    You can repay the loan in Equated Monthly Installments (EMI's) through post-dated cheques favouring ICICI Bank Limited, or if you have an ICICI Bank account you can give a mandate to the bank to directly debit the same or by ECS (Electronic Clearing Services) with any other Bank.

  • Can I prepay my loan?
    Yes, you can prepay the entire loan outstanding any time after paying 6 installments. Prepayment charges as applicable would be levied on the outstanding loan amount. No part prepayment is allowed.

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