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Home » ICICI Bank Personal Loan: How and Where to Apply

ICICI Bank Personal Loan: How and Where to Apply

Are you severely strapped for cash? Asking for a personal loan with ICICI Bank is the ideal approach to obtaining fast funds within your savings account rather than taking out cash from relatives or colleagues.

ICICI Bank is considered among the pioneers in banking services in India. They happened to be among the earliest banks to give their consumers online banking services. Their financing options feature large financing amounts and low interest rates to ensure prompt financial support for their clientele.

Personal loans are easy to obtain and do not demand collateral. Consumers can get funds right away to cover whatever unforeseen expenses arise. ICICI Bank personal loans are capable of being used for a variety of purposes, including weddings, vacation planning, house repairs and renovations etc.

ICICI Personal Loan Highlights
Interest Rate10.50% p.a. onwards
Loan AmountUp to Rs 1 Crore
TenureUp to 6 years
Minimum Monthly SalaryRs 30,000
Processing Fee0.75% – 3%

Features and Advantages of ICICI Bank Personal Loan

  • Online Application
  • Criteria for Eligibility are Simple to Fulfil
  • Loan for Multiple Purposes
  • There is no need for security or collateral.
  • Rapid Disbursement
  • Minimal documentation:
  • Alternatives for Flexible Tenure
  • Enjoy the freedom to choose an appropriate personal loan term. You can choose between a minimum of 12 months and an overall duration of 72 months.
  • ICICI Bank provides the loan at a competitive interest rate that remains consistent throughout the term.

Documents to submit for ICICI PERSONAL Loan

  • KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
  • Last 3 month Salary Slip
  • Last 6 month Bank Statement in PDF
  • Form 16 of last 2 year
  • Rent Agreement if rented or Utility Bill if residence is owned
  • Sanction Letter of all current running loan if any
  • Office ID Card or Official EMAIL ID if any

Eligibility for an ICICI Personal Loan

  • Age range: 23 to 60 years
  • A minimum net monthly income of Rs. 30,000 is required for an ICICI Bank instant loan (depending on the employer type, association with ICICI Bank, and so on).
  • Total number of years in a job or profession: Minimum of 6 months

There may be more eligibility criteria as per Bank’s Rule and regulation, so before taking out a loan you speak to a customer support representative to get more details.


What is the procedure for applying for an ICICI Bank personal loan?

There are several alternatives to applying for an ICICI personal loan.

  • You may submit applications online via ICICI Bank’s official portal.
  • You can also apply via the iMobile mobile banking application.
  • Submit in person at your closest bank branch.
  • You may apply for a personal loan using any ICICI Bank ATM.

Customer Care ICICI Bank

  • Toll-Free Number: 1860-120-7777
  • Alternate Numbers: Chennai: 044-33667777 Kolkata: 033-33667777 Mumbai: 022-33667777 Delhi: 011-33667777

If you want a hassle-free process to get your required funds on time, you can rely on Refer Loan. With Refer Loan’s website, experience the seamless process of getting your immediate funds at hand.

How Can You Apply for a Personal Loan through Refer Loan?

You can apply through Refer Loan’s website.

1) Once you’ve finished reviewing the details, charges, and necessary documentation for ICICI Bank personal loans, confirm eligibility.

2) You’ll be taken to the application page. Enter the basic information requested.

3) Select Eligible Offers to see the ICICI Bank offers that are accessible to you based on what you’re eligible for.

4) Select Next.

5) An OTP will be sent to your mobile device. For authentication, input this OTP.

6) Send in your application.


What would ultimately come to mind if you found yourself facing financial hardship and lacking sufficient savings? In such cases, asking for a Personal Loan is the best option. ICICI Bank now offers loans of up to Rs 1 Crore online, with minimal documentation and at a competitive interest rate. Furthermore, you are not obligated to go to the bank to get your funds.

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