ICICI Bank Personal Loan
ICICI Bank Personal Loan — instant approval via iMobile with step-up EMI and balance-transfer options.
At 9.99%, ICICI Bank has one of the lowest starting rates of the 22 lenders we track for personal loans.
Documents required
- PAN Card
- Aadhaar Card
- 3 months salary slips
- 6 months bank statement
- Address proof
As published by ICICI Bank. Your branch may ask for more.
Best for: iMobile users with ICICI salary account — pre-approved 3-hour disbursal, particularly strong for amounts ₹5L–₹50L.
Eligibility
Loan terms
- Instant approval via iMobile
- Step-up EMI option
- Balance transfer at lower rates
- No guarantor required
Fees & charges
FAQ
Lenders price on your credit score, income, employer category and tenure. A score above 750 typically unlocks the lower end of each range shown. The exact rate is confirmed by the lender at underwriting.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.
Most lenders allow prepayment after a few EMIs. Charges vary by lender and are shown in the fees section; RBI caps foreclosure charges on floating-rate loans to individuals.
More from ICICI Bank
- New Car LoanRate8.5 – 12.5%Fee₹3K – ₹5KMax tenure7 yr
- Home LoanRate8.5 – 10.05%Feeup to 0.5%Max tenure30 yr
- Gold LoanRate8.55 – 16.5%Fee2%Max tenure3 yr