ICICI Bank Personal Loan Apply Online 2023: अब यही से जाने इसकी Eligibility, Benefits पूरी जानकारी Step By Step


ICICI Bank Personal Loan 2023: As one of India’s largest private sector banks, ICICI Bank boasts an extensive customer base and a well-established reputation for reliability and trustworthiness. With decades of operation, the bank has maintained an exemplary track record in service quality. If you’re considering a personal loan, ICICI Bank stands out as an excellent choice. In this article, we will guide you through the process of obtaining a personal loan from ICICI Bank.

ICICI Bank Personal Loan

ICICI offers some of the most attractive personal loan options, providing a diverse range of choices at affordable and competitive interest rates. While personal loans are typically unsecured, and thus carry slightly higher interest rates than secured loans, ICICI Bank ensures reasonable and acceptable rates. Moreover, these personal loans offer remarkable flexibility, allowing you to utilize the funds for various purposes.


With ICICI Bank, you have the liberty to use the loan amount as you see fit, and the bank’s representatives are readily available to assist and support you throughout the process. What’s more, your loan amount can be swiftly credited to your account, often within minutes. If you meet the eligibility criteria and maintain the required credit score, you may even qualify for personal loans with substantial amounts, potentially reaching up to 25 lakhs.

ICICI Bank Personal Loan

Overview: ICICI Bank PersonalLoan Apply Online

Aspect 📊Details ℹ️
Interest Rate 💲10.5% to 19% per annum (Use EMI calculator for EMI) 🧮
Processing Fee 💳Up to 2.50% of loan amount plus taxes 💼🏷️
Features 🌟Quick loan approval, loans up to 25 lakhs 💸💼, multiple personal loan options available 🛍️
Eligibility Criteria 📜Indian citizenship 🇮🇳, minimum monthly income of 15,000 💰
Application Process 📝Online or Offline, simple and hassle-free process, easy form filling, minimal documentation 🌐📄
Documents Required 📇– Identity proof: Aadhaar card, passport, voter ID card, etc. 🆔🛡️
– Income proof, bank account details, or salary slip 💳📊
– PAN card and address proof 🏠🔍
Official WebsiteClick Here

Eligibility Criteria For ICICI Personal Loan


Obtaining a personal loan from ICICI Bank is subject to fulfilling specific prerequisites known as eligibility criteria. Meeting these criteria is imperative to secure a loan. Rest assured, as the eligibility criteria for an ICICI Bank personalLoan are outlined below:

  • Mumbai and Delhi residents require a minimum monthly income of 25,000 to qualify for an ICICI Bank loan.
  • Residents of Kolkata, Chennai, Bangalore, Hyderabad, and Pune must have a minimum monthly income of 20,000.
  • Citizens in the rest of India need a minimum monthly income of 15,000.
  • Indian citizenship is a mandatory requirement.
  • For salaried individuals, the age range is 23 to 58, while self-employed individuals should be between 25 and 65 years old.

Read Also: Kotak Mahindra Bank Loan 2023: यहाँ से करे ऑनलाइन आवेदन घर बैठे Step By Step

Documents Required For ICICI Personal Loan

The necessary documents for obtaining a personal loan from ICICI Bank include:

  • Proof of identity
  • Proof of address
  • Income verification (latest salary slip for salaried employees, bank statement for the last 6 months for self-employed individuals)
  • PAN card
  • Two passport-sized photographs

ICICI Bank Personal Loan Apply Online 2023

When considering a Personal loan from ICICI Bank, it’s essential to be aware of the application process, which is remarkably straightforward. The application is accessible to anyone who meets the eligibility criteria, contributing to its hassle-free nature and making it a top choice in the market. You have two convenient options for applying: either visit a bank branch or utilize the company’s official website. Whichever path you choose, the process is user-friendly and ensures a satisfying experience.


Here are the steps to initiate your application for a personal loan from ICICI Bank:

Step I: Begin by visiting either the bank in person or accessing its official website. From there, you can choose the specific loan you are interested in.

ICICI Bank Personal Loan 2023

Step II: Request the application form, or if you are applying online, locate the “apply now” button. Complete the application form with meticulous attention to detail.


Step III: Attach all the required documents to your application form. If you’re applying online, make sure to upload scanned images of all the necessary documents.

Step IV: Based on your credit score, income, and prior financial history, you will be presented with the maximum loan amount you are eligible for. You must then choose the desired amount, tenure, and interest rate from the available options

FAQ?: ICICI Personal Loan

Q1. What is the maximum repayment period, in months, available for the loan?

The loan can be repaid over a minimum duration of 12 months and a maximum of 60 months, with the option to pay it off earlier if desired.

Q2. Can Non-Resident Indians (NRIs) apply for a personal loan from ICICI Bank?

Certainly, ICICI Bank offers personal loans to NRIs with a maximum loan amount of up to 10 lakhs. The interest rate commences at 15.49% per annum, and the loan can be repaid within a maximum tenure of 36 months.

Q3. What is the process to contact ICICI Bank for Personal Loans?

You have several options to apply for a Personal loan with ICICI Bank, including utilizing the online process, Internet banking, contacting Customer Care, or visiting an ICICI branch.

Q4. Is it possible to obtain a Personal Loan for business-related needs?

Yes, it is possible to acquire a Personal Loan for business purposes, including self-employed individuals. To initiate a Business Loan application, you should visit the nearest ICICI Bank branch and present your valid ID proof.

Leave a Reply

Your email address will not be published. Required fields are marked *