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Offer Zone Rates & Charges
Rates & Charges
FD, RD & iWish
(390 days - 2 yrs)
7.50% Apply Now
Senior Citizens
(390 days - 2 yrs)
8.00% Apply Now
Personal Loan
(Upto 20 lacs)
11.49*% Apply Now

More Rates       Service Charges & Fees 

Tools and Calculators

Personal Loan Interest Rates & Charges

Loans & Advances - Indicative lending rates updated on May 18, 2016

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Type of credit facilityInterest Rate and Charges Applicable
Personal Loans 11.49% to 22.00%
Loan Processing Charges / Origination Charges (Non-Refundable) Upto 2.50% of loan amount plus service tax
Prepayment Charges 5% of principal outstanding plus service tax
Charges for Late Payment 24% per annum plus service tax
Repayment Mode Swap Charges ₹ 500/- per transaction plus service tax
Amortisation Schedule Charges ₹ 200/- per schedule plus service tax
Statement of Account Charges ₹ 200/- per schedule plus service tax
Prepayment/Foreclosure Statement Charges ₹ 100/- per schedule plus service tax
Duplicate No Objection Certificate/ No Due Certificate ₹ 500/- per NOC plus service tax/₹ 200/- per NDC plus service tax
Duplicate Prepayment/Foreclosure Statement Charges ₹ 200/- per schedule plus service tax
Loan Cancellation Charges ₹ 3000/- plus service tax
^EMI Bounce Charges ₹ 400/- per bounce plus service tax



  • Specific interest rate applicable to a customer would be dependent on segment, asset category and location.
  • ICICI Bank reserves the right to revise the rate of interest and processing fee from time to time, at its sole discretion.
  • Service Tax and other govt. taxes, levies, etc. applicable as per prevailing rate will be charged over and above these charges at the discretion of ICICI Bank ltd.
  • The charges or fees given in above table are subject to change and the one recorded in agreement will be binding over this site.
  • ^Effective for loans availed from August 1st, 2009. For loans availed prior to the said date, the cheque return charge is ₹ 200 + applicable service tax
  • Current Service Tax applicable is 14.50% with effect from November 15, 2015.

Service Charges & Fees for Personal Loans

Enclosed find the service charges for an ICICI Bank Personal Loan

  • Prepayment of the loan is possible post payment of 6 EMIs of the existing loan.
  • Prepayment charges as applicable would be levied on the outstanding loan.
  • Part prepayment facility on the loan is not available.

Interest Rate Range for Personal Loans for period January 2016 – March 2016:

Type of credit facilityMaxMinMean
Personal Loans 21.99% 11.49% 14.99%



  • It includes various categories like loan amount, customer relationships, type of corporate/business, etc
  • It excludes subsidy, government schemes
  • Mean rate = Sum of rate of all loan accounts / Number of all loan amounts

Annual Percentage Rate

The Annual Percentage Rate (APR) is a method to compute annualised credit cost which includes interest rate and processing fee.


The APR calculator does not include charges such as prepayment charges, etc.


To calculate the same, please click here to download the APR calculator.