- ICICI Bank offers a personal loan up to Rs. 25 lakh at attractive interest rates
- Borrowers can use the loan for covering expenses for multiple purposes, including travel, wedding, medical, education and more.
- Borrowers can apply for an ICICI Bank personal loan through Paisabazaar and experience end-to-end digital processes and support at every step.
- The bank charges no foreclosure fee after the 12th EMI payment.
ICICI Bank Personal Loan
ICICI Bank personal loans provide financial support to individuals to fulfil their personal requirements such as wedding, medical emergency, travel, home renovation, education, etc. The lender provides balance transfer and overdraft facility to its personal loan borrowers. Compare various personal loan offers of ICICI Bank with other lenders and apply for ICICI Bank personal loan through Paisabazaar.
Competitive Interest Rates
Lower Total Cost of Credit
End-to-End Digital Journey
,
100% Paperless Process
No Physical Documents Required
Highest Chances of Approval
Easy Application with Faster Disbursal

4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed

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₹
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Valid till 31st May '26
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Instant Personal Loan
Get up to ₹50 Lakhs starting at 9.98%
4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Competitive Interest Rates
Lower Total Cost of Credit
End-to-End Digital Journey
,
100% Paperless Process
No Physical Documents Required
Highest Chances of Approval
Easy Application with Faster Disbursal
Calculate Your Personal Loan EMI
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1Y 10Y
Your Monthly EMI Payment
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Principal Amount₹0
Interest Amount₹0
Total Amount₹0
Find Best Personal Loan Offers
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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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
About ICICI Bank Personal Loan
Highlights of ICICI Bank Personal Loan
| Interest Rate | 9.99% p.a. onwards |
| Loan Amount | *Up to Rs. 25 lakh |
| Tenure | *Up to 5 years |
| Processing Fees | *2% of the loan amount |
| Prepayment Charges | 3% of outstanding principal (NIL after 12 EMIs) |
| Minimum Monthly Salary | Rs. 30,000 |
*when applied through Paisabazaar
Rates as of 15th April 2026
Personal Loan Interest Rates offered by ICICI Bank
ICICI Bank Personal Loan interest rates vary on the basis of the personal loan subtypes. However, ICICI Bank has not disclosed its personal loan interest rate matrix based on credit score, minimum monthly income, occupation profile, employers’ profiles, etc., of its personal loan applicants, as many lenders have done.
Comparison of ICICI Bank Personal Loan Interest Rates with Other Lenders
| Bank/NBFC | Interest Rates (% p.a.) |
|---|---|
| Aditya Birla Finance | 10.99 onwards |
| Axis Bank | 9.99 onwards* |
| Bank of Baroda | 10.15-18.00 |
| Bajaj Finance Limited | 10.00-30.00 |
| Bank of India | 10.85-16.15 |
| Bank of Maharashtra | 8.75-13.55 |
| Canara Bank | 9.70-15.15 |
| Central Bank of India | 9.85-11.65 |
| Cholamandalam IFC | 10.00-28.00 |
| Dhani Loans & Services Ltd. | 13.99 onwards |
| Federal Bank | 12.00 - 22.50* |
| HDB Financial Services | 10.00 - 35.00 |
| HDFC Bank | 9.99 onwards |
| Hero Fincorp | Up to 30* |
| HSBC Bank | 9.75 onwards |
| ICICI Bank | 9.99 onwards |
| IDFC FIRST Bank | 9.99 onwards |
| IIFL Finance | 12.00 - 28.00 |
| Indian Overseas Bank | 10.25 onwards |
| IndusInd Bank | 10.35 onwards* |
| Kotak Mahindra Bank | 9.98 onwards* |
| L&T Finance | 11.00 onwards |
| Mahindra Finance | 8.00 - 25.00 |
| Mannapuram Finance | 18.00 - 24.00 |
| Moneyview | 14.00 onwards |
| Muthoot Finance | 13.50 onwards |
| Piramal Finance | 12.14 onwards |
| Poonawalla Fincorp | 9.99 onwards |
| Punjab & Sind Bank | 9.60-13.85 |
| Punjab National Bank | 10.25-16.80 |
| Shriram Finance | 11.00 onwards |
| Tata Capital | 10.99 onwards |
| UCO Bank | 9.95 - 13.20 |
| Union Bank of India | 8.75 - 12.55 |
Types of ICICI Bank Personal Loan
Flexicash
Flexicash is an overdraft facility offered to salary account holders of ICICI Bank to finance their personal requirements. The interest rates are charged only on the amount used.
Personal Loan Balance Transfer
Existing personal loan borrowers of other banks and NBFCs can transfer their existing personal loan accounts to ICICI Bank at low interest rates. The lender also offers top up personal loan alongwith balance transfer to meet their personal requirements.
NRI Personal Loan
NRIs can avail personal loans from ICICI Bank to meet their personal requirements without any hassle and with minimal documentation. A blood relative of NRI can be a co-applicant.
Instant Personal Loan
Individuals can apply for instant personal loan through the iMobile app of ICICI Bank. The process is completely digital and transparent with quick approvals.
ICICI Bank Personal Loan Processing Fees and Charges
ICICI Bank levies the following fees and charges on personal loans:-
| Particulars | Charges |
|---|---|
| Processing Fee | 2% |
| Pre-payment Charges | For salaried customers- 3% plus applicable taxes on principal outstanding after payment of 1st EMI; Nil if 12 EMIs are paid. For MSE classified customers, charges are Nil after payment of the 1st EMI for loan amount of up to Rs. 50 lakh |
| Loan Cancellation Charges | a. Nil – If the loan is cancelled within the cooling off period (i.e., 15 days from the date of disbursement)
b. Cancellation fee of Rs. 2,500 if the loan is cancelled after the cooling off period |
| Part payment charges | 3% plus 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 |
| Charges of late payment | 5% p.a. on the overdue EMI until repayment |
| EMI Bounce Charges | Rs. 500 per bounce + GST |
| Repayment mode swap charges | Rs. 500 per transaction + GST |
Eligibility Criteria for ICICI Bank Personal Loan
ICICI Bank has set its personal loan eligibility criteria based on the job profile, age, minimum monthly income, total work experience and business vintage (in the case of self-employed individuals) of its personal loan applicants. Below-mentioned are the ICICI Bank Personal Loan eligibility criteria set by ICICI Bank.
For Salaried Individuals
For Self-Employed Individuals
Also Read: ICICI Bank Personal Loan Important Terms and Conditions
How to Check Your ICICI Bank Personal Loan Eligibility Using Eligibility Calculator?
Individuals can now use the Personal Loan Eligibility Calculator available on Paisabazaar to check their ICICI Bank personal loan eligibility even before loan application and reduce their chances of loan rejection.
Click to check your ICICI Bank personal loan eligibility.
Documents Required for ICICI Bank Personal Loan
The documents required by ICICI Bank during personal loan application are given below:-
For Salaried
For Self-Employed
For Personal Loan Balance Transfer
How to Apply for ICICI Personal Loan via Paisabazaar
ICICI Bank has partnered with Paisabazaar for personal loans. Whether you’re looking for quick funds or exploring better loan options, Paisabazaar lets you apply for ICICI Bank personal loans alongside offers from other top lenders such as IDFC FIRST Bank, Axis Bank, and IndusInd Bank and more – all in one place.
Here’s how you can get started:
ICICI Bank Personal Loan Customer Care
Below are the customer care details of ICICI Bank:-
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
Explore Our Personal Loan Lenders
FAQs
What is the current interest rate for ICICI Bank Personal Loans?
The current interest rates for ICICI Bank Personal Loans start from 9.99% p.a., depending on the applicant’s profile and the bank’s internal policies.
How can I apply for an ICICI Bank personal loan online?
You can apply through ICICI Bank’s official website, the iMobile app, or at Paisabazaar by filling in your required details and uploading documents digitally.
What is the processing fee for ICICI personal loans?
ICICI Bank charges a processing fee of up to 2% of the loan amount.
What is the minimum CIBIL score required for an ICICI personal loan?
ICICI Bank has not specified the cut-off credit score for its personal loan applicants. However, credit scores of 750 and above usually increase the chances of availing personal loan at lower interest rates.
How long does it take to get an ICICI Bank personal loan?
Upon submission of complete documentation, one can get approval for the ICICI Bank personal loans in as less as 72 hours.
Can I apply for a personal loan from ICICI without a salary slip?
Salary slips or income proof are usually required for availing personal loans. However, pre-approved customers may get offers without submitting income documents.
Are ICICI personal loans available to self-employed individuals?
ICICI offers personal loans to self-employed individuals meeting the income and eligibility criteria.
Can I get a top-up loan on my existing ICICI personal loan?
ICICI Bank provides top-up loans on existing personal loans, subject to the eligibility and repayment history of its borrowers. The top-up amount can range up to Rs. 25 lakh.
Is there any penalty for foreclosure or prepayment?
ICICI Bank charges 3% of the outstanding principal as prepayment charges after the first EMI. However, no charges are levied if 12 or more EMIs have been repaid.
What is the maximum personal loan amount I can get from ICICI Bank?
You can avail a personal loan of up to Rs. 25 lakh from ICICI Bank, depending on your income and repayment capacity.
How to track my ICICI personal loan application status?
You can track your application status online using the loan reference number on ICICI Bank’s official website or via customer care.
Can I transfer my existing personal loan to ICICI Bank?
Yes, you can transfer your existing personal loan to ICICI Bank.
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