Insta Personal Loan

Applying for a Personal Loan from us is a simple and straightforward process. Please click here, if you wish to apply for Personal Loans from ICICI Bank.

Alternatively, the forms required to apply for a Personal Loan are available at our branches. You can fill out the relevant form and submit it at any ICICI Bank Branch.

To apply for an ICICI Bank Personal Loan, you only need to submit KYC documents and income-related documentation.

Yes, we do! To help you meet any shortfall in your finances, we offer a top-up facility on your existing Personal Loan. You can avail this feature once you have repaid 12 EMIs on your existing loan.

You can place a request for the top-up facility on your current loan through any of the following modes.

Option 1: Use Internet Banking

• Log in to www.icicibank.com with your user ID and password
• Click on the ‘Main Page’ option
• Select the ‘Loans’ option in ‘My Accounts’ section
• Click on ‘Apply for Loans’
• Click on the ‘Apply Now’ button under the ‘Personal Loan’ option
• Check your eligibility and click on ‘Apply Now’.

Option 2: Customer Care Service

Alternatively, you may call our Customer Care from 08:00 a.m. to 08:00 p.m. to place a request for a top-up loan..

Option 3: ICICI Bank Branch

You can also place a request for a top-up loan by visiting any ICICI Bank Loan Servicing Branch. Please carry the following documents with you..

• Proof of identity
• Proof of address
• Statements of the bank account in which your salary is credited for the past three months
• Salary slips for the last three months
• Form 16 for the current or the previous financial year

You can search for ICICI Bank Loan Servicing Branches by visiting www.icicibank.com and clicking on ‘Find ATM/Branch’ option.

EMI stands for ‘Equated Monthly Instalment’. An EMI is the amount that you pay every month for a certain period to repay your Personal Loan. The calculation of EMI depends on three main factors

• The amount of your Personal Loan which is the rupee value of the loan that you avail
• The rate of interest on your Personal Loan which is the rate at which the Bank charges interest on your loan
• The tenure of your Personal Loan which is the period for which you take your loan.

A Personal Loan EMI Calculator is an online tool that helps you to get a better idea of the EMI amount that you will need to pay periodically. Using this calculator is quite easy because you only need to specify the following three parameters.

• The amount of loan
• The rate of interest
• The term of the loan

Once you specify these details, the EMI Calculator computes the monthly EMI and the total interest payable depending on the input information. You can make use of this calculator by clicking on the button below.

Calculate EMI

ICICI Bank Personal Loan has many advantages. Here are some reasons for availing a Personal Loan from ICICI Bank.

• You have the ability to choose a tenure from 12 months to 72 months
• There is no collateral requirement for availing the loan
• Avail a fixed rate of interest. The interest will be charged on a monthly reduction basis
• Make use of the Electronic Clearing System, submit a post-dated cheque or even set up an auto-debit system to automatically repay your EMIs every month
• Minimal documentation is not required and the convenient application process makes approval and disbursement of your loan hassle-free.

No, there is no requirement for any security or collateral for availing a Personal Loan from ICICI Bank.

You can apply for a Personal Loan through any of the following modes.

Option 1: Internet Banking

Click here to apply for a Personal Loan.

Option 2: Customer Care

You may call our Customer Care between 08:00 a.m. and 08:00 p.m. to apply for a Personal Loan. Click here for Customer Care numbers.

Option 3: ICICI Bank Branches

You can also visit any ICICI Bank Loan Servicing Branch and submit the following documents to apply for a Personal Loan.

• Proof of identity
• Proof of address
• Statements of the bank account in which your salary is credited for the past three months
• Salary slips for the last three months
• Form 16 for the current or the previous financial year

Please check our website for information on ICICI Bank Loan Servicing Branches.

You can check the status of your Personal Loan application by visiting the link given below.

Click here to check the status.

If you are an existing ICICI Bank customer and eligible for a pre-approved loan, you can get the funds transferred directly into your account in just three seconds. This facility is available for select customers upon completion of online verification and acceptance of the final offer.

To avail instant Personal Loan and check the offers, visit the ‘Offers’ section on Internet Banking or the iMobile Pay app. Alternatively, you can SMS ‘PL PA’ to 5676766 and check your pre-approved offer.

You can repay your ICICI Bank Personal Loan in Equated Monthly Instalments (EMIs). If you already have an account with ICICI Bank, you can apply for an auto-debit mandate that directly debits the EMI amount from your account each month. If you have an alternate bank account, you can still opt for auto-debit of EMIs through a NACH mandate.

Depending on your eligibility, income and capacity to repay, you can avail Personal Loans ranging from Rs 50,000 to Rs 50,00,000.

The minimum amount that you can borrow is Rs 50,000 and the maximum amount is Rs 50,00,000. The amount of loan that you can borrow depends on your eligibility, income and your capacity to repay.

With an ICICI Bank Personal Loan, you can get money instantly for renovating your home, a marriage in the family, a family holiday, your child's education, buying a laptop, meeting medical expenses or any other emergencies.

With minimum documentation, you can avail a Personal Loan up to Rs 50 lakh at an attractive rate of interest. Once the loan is disbursed, you can use the money for any purpose as per your needs.

We also offer loans to freshers that they can avail even with their first salary. Take a look at the different types of Personal Loans we offer and apply for one today!