ICICI Bank Personal Loans from 10.85% Upto 50 Lakhs (2025)

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Fincover® > Banking > Loan > personal loan > ICICI Personal Loan

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Key Takeaways

ICICI Bank Personal Loan Apply Online

ICICI Bank Personal Loan offers personal loan upto Rs. 50 Lakhs without any collateral security and with minimal documentation. Personal loan is a unsecured loan that caters to your financial needs such as travel, home renovation, or wedding. You can apply for personal loan from ICICI bank and get instant approval. Make use of their EMI calculator to get an idea about the exact EMI that you need to pay.

Features of ICICI Bank Personal Loan

No Restriction on Fund Usage: You can use your funds to fulfil a variety of your needs. Be it, planning a wedding, buying a household product or taking care of your kids school fees, you can make use of the personal loan, the way you want and there are no restrictions
Instant Approval: ICICI offers a seamless loan experience. Your loan will be sanctioned soon after you apply and the funds will be credited into your account within three seconds from approval
Flexible Tenure: ICICI bank offers flexible loan tenures. You can choose from 12 – 72 months based on your repayment capacity
Minimum Documents: ICICI personal loan application process requires just minimal documentation making the whole loan experience breezy
Fixed Interest: The Interest rates by ICICI are fixed and not floating, so the interest component do not vary thoughout the tenure
No Collateral Required: ICICI Personal Loans do not require any collateral or security

Compare ICICI Bank Personal Loan vs other Lenders

Personal Loan Interest Rates 2025

Institution	Interest Rates
HDFC Bank	10.85% – 24.00%
Axis Bank	11% – 24.00%
Bandhan Bank	11.90% Onwards
ICICI Bank	10.85% – 16.25%
DBS Bank	10.99% – 24.00%
Bank of Baroda	11.05% – 18.75%
SBI	11.45% – 14.85%
IndusInd Bank	10.49% – 24.00%
Yes Bank	11.25% – 21.00%
Standard Chartered	11.50% – 24.00%
IDFC First	10.99% – 23.99%
Kotak Mahindra Bank	10.99% – 24.00%
PNB	11.40% – 17.95%
Indian Bank	10.90% – 24.00%

Eligibility for ICICI Personal Loan

For Salaried

To apply for ICICI personal loan, you must be
Resident of India and min 21 years of age
Salaried individual with a minimum salary of Rs. 30000
Having a good credit score
Should have a savings account with any of the banks in India
Must have worked in current employment for 2 years atleast
Should have stayed in current residence for 1 year

For Self-employed

(28-65) years for self-employed professionals, and( 25-65) years for doctors
Minimum turnover of Rs. 15 Lakhs for professionals, and Rs. 40 Lakhs for non-professionals
Self-employed individuals must have a minimum profit after tax of Rs. 2 Lakhs for proprietorship firm and Rs. 1 Lakh for non-professionals
For the Self employed, they should be in current business of atleast 5 years and minimum 3 years for doctors

Fees & Charges in ICICI bank personal loan

Fee/Charge	Details
Processing Fee	Up to 2% of the loan amount + GST
Prepayment Charges	3% of the outstanding amount (if <12 EMIs)
Late Payment Charges	5% of overdue EMI + GST
Cheque Bounce Charges	₹500 per instance + GST
Loan Cancellation Charges	₹2,500 + GST (Processing fee is non-refundable)
Part Payment Charges	3% of the amount paid (if <24 months)

Documents required for ICICI Bank Personal Loan

For Salaried

Proof of Identity – Passport/Driving License/Voter ID/ PANCard
Residence Proof – Passport/License Agreement
Last 3 months bank statement where salary was credited
Salary slips for 3 months
2 Passport size photographs

For Self-employed

KYC Documents – Proof of Identity, Address Proof, DOB Proof
Proof of Residence
Income Proof
Last 6 months bank statement
Office Address Proof
Proof of Residence of Ownership
Proof of business continuity

How to Apply for a Personal Loan at ICICI Bank?

Get your loan approved in 4 simple steps,

Check if you have a pre-approved loan offer
Submit your personal loan application and check your eligibility
Check your personal approval
If approved and verified, the loan will disbursed in few minutes

FAQs on ICICI bank Personal Loan

What is the repayment tenure of an ICICI bank personal loan?

ICICI offers personal loan tenure ranging from 12 months to 72 months

Does Personal Loan offer tax benefits?

No, personal loan does not carry any tax benefits.

What is the interest rate for personal loan from ICICI?

ICICI offers a personal loan at interest rate ranging from 10.5 to 19%

Why should you choose ICICI personal Loan?

#1Attractive interest rates
#2 Minimal Documentation
#3 Flexible repayment options
#4 Easy EMI amount
#5 Quick Disbursement
#6 No Restrictions on Usage

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