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ICICI Bank 1 Lakh Personal Loan

Get Rs. 1 lakh personal loan from ICICI Bank with interest rate starting at 11% p.a. ICICI bank Rs. 1 lakh personal loan comes with no hidden charges, flexible tenure and minimal documentation. Apply for an ICICI bank Rs. 1 lakh personal loan on Paisabazaar and enjoy zero processing fee.
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Get up to ₹50 Lakhs starting at 9.98%

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Features of ICICI Bank Rs.1 Lakh Personal Loan

  • Zero Foreclosure charged after paying 12 EMIs
  • Enjoy flexible tenure up to 72 months
  • Get access to collateral-free personal loans
  • Experience hassle-free lending with minimal documentation

Interest Rate on ICICI Bank Rs. 1 Lakh Personal Loan

ICICI Bank offers personal loans with interest rates starting at 11% p.a. The following factors will determine the ultimate rate of interest on your personal loan:

  • Credit score & history: A strong credit score (800+) usually helps you secure lower interest rates. Maintaining disciplined credit behaviour and a consistent repayment record is essential for building a solid credit score.
  • Income & job stability: A steady income and stable employment increase your chances of getting favourable loan terms and interest rates.
  • Existing financial obligations: Lenders assess your current debts and liabilities before deciding on interest rates. The higher your outstanding commitments, the more likely you are to be charged a higher rate.
  • Relationship with the lender: Long-standing customers with a positive banking relationship are often offered more competitive terms.

Eligibility Criteria of ICICI Bank Rs. 1 Lakh Personal Loan:

The following are the ICICI Bank Rs. 1 lakh personal loan eligibility criteria:

For salaried applicants:

  • Age: 20 to 58 years
  • Salary: Min. Rs 30,000 per month
  • Work Exp.: Min. 2 years

For self-employed applicants:

  • Age: 23 to 65 years
  • Business Vintage:
    • 2 years in the current business
    • 3 years total experience

Documents Required of ICICI Bank Rs. 1 Lakh Personal Loan:

Keep the following documents up-to-date and ready when applying for an ICICI Bank Rs. 1 lakh personal loan:

For a salaried individual

  • Proof of identity
  • Proof of residence
  • Latest 3 months' bank statement
  • Salary slips for the last 3 months
  • PAN Card and Adhaar Card

For self-employed:

  • Proof of identity
  • Proof of residence
  • Proof of office ownership
  • Audited financials for the last 2 years as income proof
  • Latest 6 months’ bank statement
  • Proof of continuity of business

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Fees & Charges of ICICI Bank Rs. 1 Lakh Personal Loan

  • Processing Fee: Up to 2% of the loan amount plus applicable taxes
  • Repayment mode swap charges: ₹ 500
  • Part payment charges:
    • 3% + GST on the part payment amount paid for the loan repayment tenure of up to 24 months;
    • Nil for a loan repayment tenure of above 24 months
  • Loan Cancellation Charges
    • Nil – If the loan is cancelled within the cooling-off period (i.e.,15 days from the date of disbursement)
    • Cancellation fee of Rs 2,500 if the loan is cancelled after the cooling-off period
  • Pre-payment Charges:
    • For salaried customers- 3% plus applicable taxes on principal outstanding after payment of 1st EMI; Nil if 12 or more EMIs are paid.
    • For MSE classified customers, charges are Nil after payment of the 1st EMI for a loan amount of up to Rs 50 lakh
  • Charges of late payment: 5% p.a. on the overdue EMI until repayment
  • EMI Bounce Charges: Rs 500 per bounce + GST

EMI Calculation of ICICI Bank Rs. 1 lakh Personal Loan:

Loan Amount Interest Rate  Tenure EMI
Rs. 1,00,000 11% p.a. 1 year Rs. 8,838
Rs. 1,00,000 11% p.a. 2 years Rs. 4,661
Rs. 1,00,000 11% p.a. 3 years Rs. 3,274
Rs. 1,00,000 11% p.a. 4 years Rs. 2,585
Rs. 1,00,000 11% p.a. 5 years Rs. 2,174
Rs. 1,00,000 11% p.a. 6 years Rs. 1,903
Rs. 1,00,000 11% p.a. 7 years Rs. 1.712

Use Paisabazaar's Free EMI Calculator Online to stay ahead while making a credit decision.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

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FAQs

You can visit the bank’s official website or Paisabazaar to apply for an ICICI Bank Rs. 1 lakh personal loan.

You can choose a repayment tenure ranging from 12 months to 72 months.

ICICI Bank personal loan interest rates usually start from around 11% p.a., but the actual rate depends on your credit score, income, job stability, and relationship with the bank.

You must be a salaried individual with a minimum income (usually ₹30,000+ per month), aged 21–58 years, and employed in a stable job.

You generally need identity proof, address proof, income proof (salary slips/bank statements), and photographs. Existing ICICI customers may get pre-approved offers with minimal documentation.

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Abhishek ThakuraJan 14, 2026
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