- 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
Competitive Interest Rates
End-to-End Digital Journey
100% Paperless Process
Highest Chances of Approval

Competitive Interest Rates
End-to-End Digital Journey
100% Paperless Process
Highest Chances of Approval

Customer Rating
4.2/5
2839 Reviews
51M+Satisfied Customers
65+Lending Partners
800+Cities across India
Apply Personal Loan Online
Customer Rating
4.2/5
2839 Reviews
51M+Satisfied Customers
65+Lending Partners
800+Cities across India
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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%
Why Choose Paisabazaar?



Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
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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
About ICICI Bank Personal Loan
Highlights of ICICI Bank Personal Loan
| Interest Rate | *10.45% p.a. |
| 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
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.
Personal Loan Interest Rates by Other Lenders:
| Name of Lender | Interest rate
(p.a %) |
|---|---|
| HDFC Bank | 9.99 onwards |
| Tata Capital | 10.99 onwards |
| State Bank of India | 10.05-15.05 |
| ICICI Bank | 10.45 onwards |
| Bank of Baroda | 10.40-18.10 |
| Axis Bank | 9.99 onwards |
| Kotak Mahindra Bank | 10.99 onwards |
| Bank of India | 11.10-16.15 |
| Canara Bank | 9.95-15.40 |
| Punjab National Bank | 10.50-17.05 |
| HSBC Bank | 9.99 onwards |
| Federal Bank | 11.99 onwards |
| Union Bank of India | 10.35-14.45 |
| Bajaj Finserv | 10.00-31.00 |
| Punjab & Sind Bank | 9.85-14.10 |
| Indian Overseas Bank | 10.50 onwards |
| UCO Bank | 10.20-13.45 |
| IDFC FIRST Bank | 9.99 onwards |
| Bank of Maharashtra | 9.00-13.80 |
| Central Bank of India | 9.90-11.80 |
| IndusInd Bank | 10.49 onwards |
*As on 19th November 2025
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
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
FAQs
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