Personal Loan

Unplanned or emergency expenses can crop up at any time in our life. If you are planning to get married or want to indulge in an exotic vacation and are falling short of funds, then worry no more. Instead, it is indeed a good idea to explore the option of taking personal loans to meet these expenses.

Whether you are planning your next dream vacation with your loved ones or your marriage function, a personal loan offers the double benefit of quick access to funds and zero need for collateral to be put up as security. Personal loans have emerged as a great way to finance purchases that otherwise would have been challenging with a regular paycheck.

  SMS PL to 5676766

  SMS PL to 5676766

What does a personal loan cover?

home loan or car loan will allow you to use the money to purchase a home or car respectively. The good news is that when you apply for personal loan, it need not be restricted to a specific use. Once the loan is disbursed, you can use it for any purpose as per your particular need.

With a personal loan, you can

  • Arrange for holidaying overseas
  • Buy a large appliance like refrigerator, television or laptop
  • Plan your marriage function as per your expectations
  • Spruce up your home interiors through home renovation.

What’s more! ICICI Bank offers fresher funding loan to help you avail of a personal loan on your very first salary. With its pre-approved personal loan, the entire processing is completed in just a few minutes. So, hurry and check out the different types of personal loans we offer and apply for one today itself.

Why ICICI Bank for Personal Loan?

Why ICICI Bank for Personal Loan?

Why ICICI Bank for Personal Loan?

These compelling reasons are why your search for personal loan ends with ICICI Bank:

  • Use the loan amount for any purpose as per your need
  • Get flexible tenure up to 60 months
  • Avail of a fixed rate of interest. Interest will be charged on monthly reducing basis
  • No need to put up any collateral against the loan
  • Set up ECS, PDC or auto-debit for automatic repayment of EMI every month.

How to apply for a Personal Loan?

ICICI Bank presents personal loans up to Rs. 20 lakh for your various requirements. All you need to do is apply online or visit any of our branches, fill up the form and get your loan approval process started.

Benefits and Features

  • Get cash in your account in 3* seconds
  • The interest rate will not increase during your loan tenure
  • Minimal documentation and hassle-free application makes loan approval and disbursement a breeze
  • Choose your tenure from 12 to 60 months.

*Applicable for select customers upon completion of online verification and acceptance of final offer.

For assistance, request a callback

Types of Personal loan

Customer Testimonials

"Thanks for the help you extended towards my immediate personal loan requirement. The efforts put by Mr. Rakesh going out of his way to help me get my personal loan facility immediately approved and disbursed was worth appreciating. It is because of people like you that customer satisfaction is achieved and it feels great coming back to ICICI Bank again. Once again thank you for the help extended by the ICICI Bank Personal Loan Team"


View More Testimonials

Personal Loan Eligibility and documents

With ICICI Bank you can check loan eligibility in quick time. No need to wait to see whether you are eligible for a personal loan or not. Simply visit our personal loan eligibility page, fill in a few basic details and get instant eligibility assessment done.

To make it more convenient, you get the option to fill in documentation and apply online from the same page in case you are eligible.

Personal Loan Interest Rates

Avail personal loans at attractive interest rates of 11.25% per annum to 17.99% per annum. All you have to do is fill in a few details here and get to see the eligibility, applicable personal loan interest rates and your approximate EMI within a few seconds.

Keeping your best interest in mind, we recommend you to go for a personal loan amount that you actually need and not more than that. This way, repayments will not be a hassle and you can pay your loans without any delay or late payment fees.

How can I apply for a Personal Loan?

With ICICI Bank Personal Loans, you can get instant money for a wide range of your personal needs like renovation of your home, marriage in the family, a family holiday, your child's education, buying a laptop, medical expenses or any other emergencies.

With minimum documentation, you can now avail a personal loan for an amount up to Rs. 20 lakhs at attractive rates of interest.

Please click here if you want to apply for ICICI Bank Personal Loans.

Alternatively, the forms are available at our Branches. You can fill the form out and submit it at the nearest Branch.

What are the required documents under each program?

The documents required are KYC Documents + Income Documentation.

Do you offer top up on existing Personal Loans?

We offer Top Up facility if you have paid 12 EMI on the existing Personal Loan. You can Place the request for Top up on existing Personal Loan through the following Channels:

Internet Banking

Log in to with your user ID and password--> Main Page --> Select Loans options in My Accounts --> Click on Apply for Loans --> Under Personal loan option - Click on Apply now --> Check the Eligibility and Click on Apply Now

Customer Care:

You may also call our Customer Care (8:00 a.m. to 8:00 p.m.) with your STD code followed by 33667777.

ICICI Bank branch :

Please visit the nearest ICICI Bank Loan servicing branch along with your valid ID proof,Address Proof, 3 Months bank statement in which his salary is credited, Latest 3 months Salary slips and Form -16 for the current / previous financial year.

We request you to look for the nearest ICICI Bank Loan Servicing Branch in our website: >> Find ATM/Branch.

What is Personal Loan EMI Calculator

EMI is short form “Equated Monthly Instalment” or the Amount that is payable per month if you take a personal loan of a certain amount for a certain period. The calculation of EMI depends on 3 main factors:

  • Personal Loan Amount – The Rupee value of the loan that you take
  • Personal Loan Interest Rate – The interest rate that the bank will charge for the Personal Loan
  • Tenure of Personal Loan – The period for which you take the Personal Loan


ICICI Bank may, at its sole discretion, utilise the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products.

Customer Reviews

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Personal at ever lower interest rates than other banks.
by Nayan Das on Jan 14, 2019

wow very good bank and good receptions of bank agents and very very excellent service. Quick disbursal and wooww!!!. Everyone must take...

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