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Offer Zone Rates & Charges
Rates & Charges
FD, RD & iWish
(390 days - 2 yrs)
7.90% Apply Now
Senior Citizens
(390 days - 2 yrs)
8.40% Apply Now
Home Loan 
(Upto 5 crore)
9.55*% Apply Now
Personal Loan
(Upto 20 lacs)
11.49*% Apply Now

More Rates       Service Charges & Fees 

Tools and Calculators

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.


Description of ChargesCharges applicable
Loan Processing Charges / Origination Charges (Non-Refundable) Upto 2.50% of loan amount plus Service Tax
Prepayment Charges 5% of principal outstanding
Charges for late payment 2% per month
Cheque Swap Charges Rs. 500/- per transaction
Amortisation schedule charges Rs. 200/- per schedule (inclusive of service tax)
Statement of Account Charges Rs. 200/- per statement (inclusive of service tax)
Prepayment/Foreclosure Statement Charges Rs. 100/- per statement (inclusive of service tax)
Duplicate No Objection Certificate/ No Due Certificate Rs. 500/- per NOC (inclusive of service tax) Rs 200/- per NOC (inclusive of service tax)
Duplicate Repayment/Foreclosure statement Rs. 200/- per schedule (inclusive of service tax)



  • 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 Rs 200 + applicable service tax.
  • Current Service Tax applicable is 14% with effective from June 01, 2015.

Interest Rate Range for Personal Loans for period April 2015 - June 2015

Type of credit facilityMaxMinMean
Personal Loans 20.00% 11.99% 15.50%



  • 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.