ICICI Bank Personal Loan

ICICI Bank personal loans provide financial support to individuals to fulfil their personal requirements such as wedding, medical emergency, travel,...

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

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Get Cashback of ₹1,000^* on Loan Disbursal

Valid till 31^st March '26*T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L 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

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 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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Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

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

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.

Highlights of ICICI Bank Personal Loan

Interest Rate	9.99% p.a. onwards (special rates till 28th February 2026)
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 9th February 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.

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	9.99 onwards
Bank of Baroda	10.15-18.05
Axis Bank	9.99 onwards
Kotak Mahindra Bank	9.98 onwards
Bank of India	10.85-16.15
Canara Bank	9.70-15.15
Punjab National Bank	10.25-16.80
HSBC Bank	9.95 onwards
Federal Bank	11.99 onwards
Union Bank of India	8.75 - 12.55
Bajaj Finserv	10.00-30.00
Punjab & Sind Bank	9.60-13.85
Indian Overseas Bank	10.25 onwards
UCO Bank	9.95 -13.20
IDFC FIRST Bank	9.99 onwards
Bank of Maharashtra	8.75-13.55
Central Bank of India	9.65-11.55
IndusInd Bank	10.35* onwards

^{*when applied through Paisabazaar}As on 9th February 2026

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.

Avail Personal Loan for
All Your Needs

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

The minimum age of the applicant should be 20 years at the time of loan application and the maximum age should be 58 years at the time of loan maturity.
The minimum monthly income requirement for an ICICI Bank personal loan is Rs. 30,000.
Applicants having a minimum work experience of at least 2 years are eligible for availing personal loan from ICICI Bank.

For Self-Employed Individuals

Self-employed individuals should be at least 23 years old at the time of loan application and 65 years at the time of loan maturity.
Applicant should have been in the current business for at least 2 years and have a minimum of 3 years of total experience

Also Read: ICICI Bank Personal Loan Important Terms and Conditions

Documents Required for ICICI Bank Personal Loan

The documents required by ICICI Bank during personal loan application are given below:-

For Salaried

ID Proof (any 1): Driving License, Passport, PAN Card, Voter ID
Address Proof (any 1): Passport, Utility Bill less than 3 months old, Lease or License Agreement
2 passport size photographs
Bank Statement for last 3 months with salary and income credits
Salary slips for last 3 months

For Self-Employed

KYC Documents: ID Proof, Address Proof, Date of birth proof
Residence Proof: Passport, Lease or License Agreement, Utility Bill not more than 3 months old
Income Proof
Proof of office address
Bank Statement for last 6 months
Residence Proof or Office ownership proof
Proof of continuity of business

For Personal Loan Balance Transfer

Latest loan statement
Salary slip
Bank statement of last 6 months along with repayment schedule
KYC document

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:

Enter your mobile number to get started.
Fill in basic details like employment type.
Verify with OTP for secure access.
Choose the loan amount and purpose.
Compare offers and apply instantly.

ICICI Bank Personal Loan Customer Care

Below are the customer care details of ICICI Bank:-

Helpline Number: 1800 1080
Helpline Number for Domestic Customers Travelling Overseas: +91-22-33667777
Backup Customer Care Number: 1860120777

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

Avail Personal Loan for
All Your Needs

FAQs

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.

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.

ICICI Bank charges a processing fee of up to 2% of the loan amount.

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.

Upon submission of complete documentation, one can get approval for the ICICI Bank personal loans in as less as 72 hours.

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What our customers say

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.

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

Kokil BarnwalFeb 12, 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.

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.

Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

Abhishek ThakuraJan 14, 2026

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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ICICI Bank Personal Loan