Want us to help you with anything?
Request a Call back

This field is required Only alphabetes are allowed
This field is required Only alphabetes are allowed
Please enter valid number
Please enter valid email
Please select product type
Please enter valid pincode

Thank you for your request.

Your reference number is CRM

Our executive will contact you shortly


Government Sponsored Schemes

ICICI Bank offers Loans towards income generating activities under various schemes launched by the Central Government and State Government.

Under these schemes, the applicant can avail a Bank Loan to start his/her own business, which will help improve the livelihood and uplift the standard of living.

For a few schemes, the interest rates are specified by the Government, while the other schemes are offered at interest rates that are decided as per the pricing policy* of the Bank. Various charges levied by the Bank are as follows:

Interest rates, Charges and Fees

Nature of charges Details

Processing Fee while disbursing loan above Rs 25,000

2% (plus applicable taxes) of the loan amount

* Interest rate p.a.

Fixed rate of 17.10%

Stamp duty and other statutory charges

As per applicable laws of the State

CGTMSE^ Fee while disbursing the loan

As per CGTMSE fee tax invoice

^CGTMSE: Credit Guarantee Fund Trust for Micro and Small Enterprises

Penalty Charges

Nature of charges Details

Penalty Charges


Foreclosure fee Nil
Bouncing charges applicable on non-servicing of Interest on or before due date Nil
Charges incurred in filing legal suit in case of loan default At actual (if applicable)
Professional charges (Lawyer Charges) in case of loan default At actual (if applicable)
Non Maintenance of Mode of Payment charges (NMMP) Rs 800 (if applicable)


The applicant may approach the respective sponsoring agencies to avail the loan under these schemes.

Terms and Conditions apply.