Flexicash

You can apply for Flexi Cash through ICICI Bank via Internet Banking or the iMobile app. Click on 'Get Instant Loans/Offers' on the iMobile Dashboard > Select ‘Instant Flexi Cash’ > Click on ‘Apply Now’.

To apply for a Salary OD/Flexi Cash on Internet Banking, follow the steps below:

Step 1: Log in to internet banking by clicking here. 

Step 2: Navigate to the ‘Cards & Loans’ tab

Step 3: Under the loan section, select ‘Apply Online’

Step 4: Locate the ‘Sal OD’ tab and click on ‘Apply Now’

Step 5: Review the loan details

Step 6: Authenticate the loan amount using the OTP sent to your registered mobile number, then click on ‘Submit’.

The amount payable will be auto-swept as and when sufficient balance is available in your Salary Account.

A processing fee is levied on the overdraft limit, basis the defined pricing matrix followed by the Bank. An amount equal to processing fee will be due in the first month

Flexicash can be availed for a period of 12 months, post which the facility will be auto renewed if it meets Bank’s norms, unless the customer gives closure request.

Yes, by clearing all outstanding dues and submitting a request at any Asset Servicing Branch of ICICI Bank.

Flexicash comes with a fixed rate of interest that is calculated on a daily reducing balance. The interest is charged only on the amount you use and the period for which you use it. In case there is no usage of the funds, there will be no interest payable. Click here to know more.

KYC and income documents are required in case you do not have a pre-approved Flexicash offer.