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All You Need To Know

When facing a medical emergency, understanding the essentials of ICICI Bank's Personal Loan becomes crucial. Here's a comprehensive guide to help you with the Personal Loan application seamlessly:

  • Minimum Documentation Required: Simplifying the paperwork, ICICI Bank's Personal Loan for medical emergencies demands minimal documentation, easing the application process and speeding up access to funds.
  • Digital Process: With a process that is 100% digital, the application can be made seamless, which allows you to focus on more pressing matters rather than going through complex procedures during a time that is already tough. On top of that, you can apply 24X7.
  • Attractive Rate of Interest: ICICI Bank offers competitive interest rates, from 10.80% onwards ensuring that the financial support you seek is accessible and comes with favourable terms, minimising the burden during challenging times.
  • Flexible Repayment Tenure: Recognising the varying financial situations, ICICI Bank provides flexibility with repayment tenures ranging from 12 to 72 months. This allows you to tailor the repayment plan to suit your financial capacity, providing convenience and peace of mind.
  • Unsecured Personal Loan: The Personal Loan for medical emergencies from ICICI Bank is unsecured, which means you don't have to pledge any collateral. This will add an extra layer of convenience, giving you quick access to funds without risking your assets.

Eligibility & Document for Medical Emergency Personal Loan


The process of obtaining a Personal Loan for a medical emergency requires an understanding of the key eligibility criteria. Ensuring you meet these criteria streamlines the application process, providing swift access to the financial assistance you need.



● Salaried individuals aged between 20 and 58 years.

● A minimum of 2 years of continuous employment.

● A stable residence of at least 1 year.



● Interest rates starting from 10.80% per annum.

● Salaried individuals with a minimum net salary of Rs 30,000 per month (depends on the applicant’s relationship with the Bank).

● No need for collateral, making the process more accessible.

● The interest rate may vary based on the individual's credit score, reflecting personalised financial terms.


ICICI Bank requires the following essential documents to facilitate a swift approval of the Personal Loan:


Proof of Identity: Submit a copy of your PAN Card, Aadhaar Card, valid Passport, or Ration Card.

Proof of Address: Provide a copy of your valid Passport, Voter ID Card, Driving Licence or the latest utility bill.

1-Month Salary Slip: Attach your most recent salary slip covering the last one month.

Form 16/Office I-Card: Include either your Form 16 or your official Identity Card.

● 1-Year Job Continuity Proof: Demonstrate your job continuity with a document validating your employment for the past year.

Interest rate & charges

Criteria Details
Interest Rate 10.80% onwards
Loan Tenure 12 months to 72 months
Processing Fee Up to 2% of loan amount + GST


What is the minimum monthly income required for this loan?

A minimum monthly income of Rs 30,000 is required to qualify for a medical emergency Personal Loan, ensuring affordability based on your financial capacity.

What is the processing time?

ICICI Bank prioritises swift processing, with Personal Loans often disbursed into your account immediately upon successful approval, ensuring quick access to much-needed funds. 

Does a Personal Loan offer tax benefit?

No, Personal Loans, including those for medical emergencies, do not offer tax benefits or deductions. The focus is on providing financial support during critical times.

Can I take a loan for medical treatment?

Yes, you can apply for a loan for medical treatment. ICICI Bank offers emergency loans with easy paperwork and without any strict eligibility conditions.

What is a Medical Loan?

A Medical Loan is a type of Personal Loan that you can obtain to pay your sudden medical bills or any unforeseen situation which can arise unexpectedly. These loans can be accessed instantly. 

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