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ICICI Bank Personal Loan
One of the most convenient personal loan offers by ICICI Bank is the online personal loan that can be applied for and approved within 24 hours.
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ICICI Bank Personal Loan
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ICICI Bank Personal LoanHere are a few factors
| Location | PAN INDIA |
| CIBIL Score | 700+ |
| Minimum Salary Per Month | 30000/-Existing
Account Holder Per Month 35000/- Listed Company Per Month 40000/- Non Listed Company |
| Salary Mode | NEFT,RTGS &COMPANY TRANSFER |
| Applicant Age | 23 Year to 60 Year |
| Loan Amount & Tenure | 1
Lac to 1 Cr (12 Month to 72 Month) |
| Rate of Interest (Type) | 10.5% to 15% (Reducing) |
| Processing Fees | 0.75% - 3% |
| Processing Mode & TAT | Processing:
Online TAT: 2 Day to 7 Days |
| Foreclosure Charges | 5% + GST ABOVE 10 LAC NIL CHARGES |
| Part Payment Allowed | NO |
| OD Product | NO |
| BT+TopUp | Yes |
| Minimum Job Experience | 6 Month in Same Company |
| Current Employer Business Vintage | 5 Year |
| FOIR | 65% |
| Whether Co-Applicant Mandatory | No |
| USP | Funding to NRI Employee |
| Negative Profile | 1. Employee whose Salary receive in Cash, UPI & IMPS 3. NGO Employee, Real Estate Employee, 4th Grade Employee, Jewellers Employee |
ICICI Bank Personal Loan EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
| Loan Amount | ₹100,000 |
| Interest % | 10 % |
| Tenure (months) | 12 |
| Emi (monthly) | ₹ 8,792 |
| Total Interest | ₹ 5,499 |
| Loan Amount + Interest | ₹ 105,499 |
| Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ₹ 100,005 | ₹ 5,499 | ₹ 105,504 | ₹ 0 | 100.01 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Required Documents to Apply for ICICI Bank Personal Loan
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KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
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Last 3 month Salary Slip
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Last 6 month Bank Statement in PDF
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Form 16 of last 2 year
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Rent Agreement if rented or Utility Bill if residence is owned
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Sanction Letter of all current running loan if any
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Office ID Card or Official EMAIL ID if any
About ICICI Bank Personal Loan
Personal loans from ICICI Bank are available at a competitive interest rate beginning at only 10.50% p.a. The person who applies with ICICI Bank may utilize the Personal Loan amount for any objective in accordance with their financial requirements. Through the online EMI Calculator on the ICICI Bank website or our personal loan EMI Calculator, you may determine the EMI for an ICICI Bank immediate personal loan.
ICICI Customer Care
Email :- [email protected]
Start with ICICI Personal Loan in few steps
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, the amount will be disbursed to your account shortly.
Let us take an example, How EMI is being calculated
For instance, if "Shubham" applies for a Personal loan of INR 1 Lacs and get the loan sanctioned at the rate of 15 % with a tenure range of 36 Months , in such a case his EMI would be INR 3,467 and complete repayment amount till the end of 36 Months tenure would be INR 1,24,795 (i.e 3,467 EMI * 36 Months), wherein the total interest amount is INR 24,795 along with principal repayment of INR ₹1,24,795 . Few additional charges like those of minimal one-time processing fee upto 2-3% of loan amount may apply. T& C apply.| Year | Principal (A) |
Interest (B) |
Total Payment (A + B) |
Balance | Loan Paid To Date |
|---|---|---|---|---|---|
| 2022 | ₹ 11,363 | ₹ 5,969 | ₹ 17,333 | ₹ 88,637 | 11.36% |
| Aug | ₹ 2,217 | ₹ 1,250 | ₹ 3,467 | ₹ 97,783 | 2.22% |
| Sep | ₹ 2,244 | ₹ 1,222 | ₹ 3,467 | ₹ 95,539 | 4.46% |
| Oct | ₹ 2,272 | ₹ 1,194 | ₹ 3,467 | ₹ 93,267 | 6.73% |
| Nov | ₹ 2,301 | ₹ 1,166 | ₹ 3,467 | ₹ 90,966 | 9.03% |
| Dec | ₹ 2,329 | ₹ 1,137 | ₹ 3,467 | ₹ 88,637 | 11.36% |
| 2023 | ₹ 30,332 | ₹ 11,266 | ₹ 41,598 | ₹ 58,305 | 41.70% |
| Jan | ₹ 2,359 | ₹ 1,108 | ₹ 3,467 | ₹ 86,278 | 13.72% |
| Feb | ₹ 2,388 | ₹ 1,078 | ₹ 3,467 | ₹ 83,890 | 16.11% |
| Mar | ₹ 2,418 | ₹ 1,049 | ₹ 3,467 | ₹ 81,472 | 18.53% |
| Apr | ₹ 2,448 | ₹ 1,018 | ₹ 3,467 | ₹ 79,024 | 20.98% |
| May | ₹ 2,479 | ₹ 988 | ₹ 3,467 | ₹ 76,545 | 23.45% |
| Jun | ₹ 2,510 | ₹ 957 | ₹ 3,467 | ₹ 74,036 | 25.96% |
| Jul | ₹ 2,541 | ₹ 925 | ₹ 3,467 | ₹ 71,495 | 28.51% |
| Aug | ₹ 2,573 | ₹ 894 | ₹ 3,467 | ₹ 68,922 | 31.08% |
| Sep | ₹ 2,605 | ₹ 862 | ₹ 3,467 | ₹ 66,317 | 33.68% |
| Oct | ₹ 2,638 | ₹ 829 | ₹ 3,467 | ₹ 63,679 | 36.32% |
| Nov | ₹ 2,671 | ₹ 796 | ₹ 3,467 | ₹ 61,009 | 38.99% |
| Dec | ₹ 2,704 | ₹ 763 | ₹ 3,467 | ₹ 58,305 | 41.70% |
| 2024 | ₹ 35,208 | ₹ 6,390 | ₹ 41,598 | ₹ 23,097 | 76.90% |
| Jan | ₹ 2,738 | ₹ 729 | ₹ 3,467 | ₹ 55,567 | 44.43% |
| Feb | ₹ 2,772 | ₹ 695 | ₹ 3,467 | ₹ 52,795 | 47.20% |
| Mar | ₹ 2,807 | ₹ 660 | ₹ 3,467 | ₹ 49,988 | 50.01% |
| Apr | ₹ 2,842 | ₹ 625 | ₹ 3,467 | ₹ 47,147 | 52.85% |
| May | ₹ 2,877 | ₹ 589 | ₹ 3,467 | ₹ 44,270 | 55.73% |
| Jun | ₹ 2,913 | ₹ 553 | ₹ 3,467 | ₹ 41,356 | 58.64% |
| Jul | ₹ 2,950 | ₹ 517 | ₹ 3,467 | ₹ 38,407 | 61.59% |
| Aug | ₹ 2,986 | ₹ 480 | ₹ 3,467 | ₹ 35,420 | 64.58% |
| Sep | ₹ 3,024 | ₹ 443 | ₹ 3,467 | ₹ 32,397 | 67.60% |
| Oct | ₹ 3,062 | ₹ 405 | ₹ 3,467 | ₹ 29,335 | 70.67% |
| Nov | ₹ 3,100 | ₹ 367 | ₹ 3,467 | ₹ 26,235 | 73.76% |
| Dec | ₹ 3,139 | ₹ 328 | ₹ 3,467 | ₹ 23,097 | 76.90% |
| 2025 | ₹ 23,097 | ₹ 1,169 | ₹ 24,266 | ₹ 0 | 100.00% |
| Jan | ₹ 3,178 | ₹ 289 | ₹ 3,467 | ₹ 19,919 | 80.08% |
| Feb | ₹ 3,218 | ₹ 249 | ₹ 3,467 | ₹ 16,701 | 83.30% |
| Mar | ₹ 3,258 | ₹ 209 | ₹ 3,467 | ₹ 13,443 | 86.56% |
| Apr | ₹ 3,298 | ₹ 168 | ₹ 3,467 | ₹ 10,145 | 89.86% |
| May | ₹ 3,340 | ₹ 127 | ₹ 3,467 | ₹ 6,805 | 93.19% |
| Jun | ₹ 3,381 | ₹ 85 | ₹ 3,467 | ₹ 3,424 | 96.58% |
| Jul | ₹ 3,424 | ₹ 43 | ₹ 3,467 | ₹ 0 | 100.00% |
ICICI Customer Care
ICICI Bank Customer Care Number
022-3366-7777
ICICI Bank Toll-Free Number
1800-1020-123
FREQUENTLY ASKED QUESTIONS
A personal loan is an unsecured loan that you can get from a bank or financial organization to help you meet your financial obligations
You can apply for an ICICI personal loan from ReferLoan’s website. You just need to visit our website and choose the ICICI personal loan from the dropdown menu. Then you need to fill in your mobile number and OTP to start with the application process.
ICICI Bank allows foreclosure of the personal loan at any time during the loan tenure after at least one installment is paid by the borrower. You have to pay 3% of the loan amount that is outstanding after the payment of the EMIs, along with taxes, before closing your loan as preclosure charges.
You will have to pay ICICI bank personal loan monthly with the salary you would be getting from your employer or whatever you earn.
For availing of ICICI and personal loans, it is not mandated to have a security or a guarantor. Personal loans are provided to defined categories of salaried and self-employed individuals. You do not need to reveal to the bank the reason for taking the loan.
The minimum ROI of ICICI Bank Personal Loan is 10.5% per annum
The minimum ROI of ICICI Bank Personal Loan is 15% per annum
The highest loan amount you can avail with ICICI Bank Personal Loan is Rs. 1 Crore
The minimum loan amount you can avail of with ICICI Bank Personal Loan is Rs. 1 Lac.
The processing fee for ICICI Bank’s Personal loan is between 0.50% to 2% of your loan amount.
The minimum repayment tenure of ICICI Bank's Personal Loan is 12 months.
The maximum repayment tenure of ICICI Bank's Personal loan is 72 months
Yes, you can apply for an ICICI Bank Personal Loan anywhere from India as it holds a PAN India access
The minimum required salary to apply for an ICICI Bank Personal Loan is Rs. 30,000 Monthly. The account of the listed company of the applicant should be in ICICI Bank.
To apply for ICICI Bank Personal Loan your Minimum CIBIL score must be 700
No, to apply for ICICI Bank Personal Loan your Minimum CIBIL score must be 700
Yes, to apply for ICICI Bank Personal Loan your Minimum CIBIL score must be 700
You can go to the official website of ICICI Bank or you can also switch to ReferLoan for an easy and smooth loan application process.
Yes, ICICI Bank accepts minus CIBIL scores for Personal loans
The minimum required age to apply for ICICI Bank Personal Loan is 23
The maximum required age to apply for ICICI Bank Personal Loan is 60
No, ICICI Bank doesn’t offer funding to the Proprietorship Firm Employees.
No, ICICI Bank doesn’t offer funding to the Partnership Firm Employees.
If you are planning to apply for an ICICI Bank Personal Loan, your minimum employment period must be 2 months.
The minimum vintage of the applicant’s employer must be 5 years to apply for ICICI Bank Personal Loan
No, it is not mandatory to provide a Co-applicant to apply for ICICI Bank Personal Loan
Yes, ICICI Bank does fund NRIs for Personal Loans.
The job profile of the Police is considered as a negative profile in ICICI Bank's Personal Loan.
No, employees of Fourth-grade occupation are considered as a negative profile in ICICI Bank’s Personal Loan.
No, Jews are considered as a negative profile in ICICI Bank’s Personal Lo
No, Partial payments are not allowed in ICICI Bank’s Personal Loan.
The foreclosure interest on ICICI Bank's Personal loan is 5%+GST and Nil Charges on amounts over Rs. 10 Lacs.
No, police officers are not eligible to apply for ICICI Bank Personal Loan.
No, MCD employees are considered as a negative profile to apply for the ICICI Bank Personal Loan
Yes, You can apply for ICICI Bank Personal Loan if you receive your salary through NEFT
Yes, You can apply for ICICI Bank Personal Loan if you receive your salary through RTGS
Yes, You can apply for ICICI Bank Personal Loan if you receive your salary through Company Transfer.
No, you can’t apply for an ICICI Bank Personal Loan if you are receiving our salary in cash.
No, you can’t apply for ICICI Bank Personal Loan if you are receiving our salary through UPI.
ICICI Bank takes 7 days for the disbursement of a personal loan
ICICI Bank takes 2 days for the confirmation of a personal loan
Yes, you can apply for ICICI Bank Personal Loan online
The customer care number of ICICI Bank is 1860-120-7777
The FOIR of ICICI Bank Personal Loan is 65%
Personal Loans can be foreclosed any time after the payment of the 1st EMI and the applicable charges are 3% + plus applicable taxes
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