Download AppWin Assured Cashback
Paisabazaar Logo - Compare loans and credit cards

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.
4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Icon image of Competitive Interest Rates

Competitive Interest Rates

Get Instant Loans, Lowest Interest Rates

Icon image of Quick Disbursal

Quick Disbursal

Money in your account instantly

Icon image of SmartMatch

SmartMatch

Offers ranked according to eligibility

Icon image of Digital Process

Digital Process

Hassle-free & paperless

Find Best Personal Loan Offers

Sort by:

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 Fee6,500
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%
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

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

Apply Now

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

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

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

Apply Now

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

FAQs

Can I apply for an ICICI Bank Rs. 1 lakh personal loan?

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

What is the tenure available for an ICICI Bank Rs. 1 lakh personal loan?

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

What interest rate will I be charged on the ICICI Bank Rs. 1 lakh personal loan?

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.

What are the eligibility criteria for an ICICI Bank Rs. 1 lakh loan?

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.

What documents are required to apply for an ICICI Bank personal loan?

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.

quotes icon

What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

icon image of avatar
Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

icon image of avatar
Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

icon image of avatar
Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

icon image of avatar
DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

icon image of avatar
BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

icon image of avatar
Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

icon image of avatar
Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

icon image of avatar
Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

icon image of avatar
Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

icon image of avatar
Anuradha GuptaJan 21, 2026
View All Testimonials
Anubhuti Agrawal profile
Written ByLinkedIn icon
Anubhuti Agrawal
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001

Knapsack with coins

Check Best Personal Loan Offers
with Quick Disbursal

Scroll to top