A Personal Loan from ICICI Bank helps you meet your diverse financial needs during an emergency. It is an unsecured loan and can be used for marriage expenses, paying the medical bills, going for your dream vacation or renovating your home. Irrespective of what your personal financial goals are, ICICI Bank Personal Loan offers you the perfect solution.
Avail of a Personal Loan of up to Rs 25 lakh and meet personal exigencies that can crop up anytime in life. The quick approval process of Personal Loans from ICICI Bank ensures you have an easy borrowing experience. Also, with our instant Personal Loan online services, you can get the funds within 3 seconds.
Benefits of Personal Loan
Apart from being the most reliable way to get funds for your immediate needs, availing of a Personal Loan has many benefits, which are:
- Once your application is approved, the funds are credited to your account within three seconds.
- We give you the flexibility to choose the loan tenure. You can apply for a loan from 12 to 72* months.
- Our online services allow you to keep track of the application status and get any assistance you want 24×7.
- Minimum documents needed.
- The interest rate is fixed and it remains the same throughout the loan tenure.
- You need not provide any collateral or security.
- The benefits are applicable for select customers upon completion of online verification and acceptance of the final offer.
Types of Personal loan
Make the biggest day of your life the best day with wedding loans
Need urgent cash for venue booking, catering, jewellery, shopping, or guest accommodation? Then it makes total sense to go for a wedding loan. Focus on the biggest day of your life while being adequately prepared for it financially with ICICI Bank Personal Loan.
See new places, meet new people with holiday loans
No place is out of the reach of your loved ones, when our personal loans are with you. Take your much needed holiday and absorb new sights in far-away vistas. All travel expenses i.e. flights, stay, shopping, activities and other bills can now be paid instantaneously with personal loan funds.
Upgrade your abode with home renovation loans
Spruce up the look of your abode, carry out vital repairs or get new home furniture, furnishings or fixtures the smart way. Turn your house into a home with ICICI Bank Personal Loan.
Top Up Loan
Easily meet shortfall in meeting financial needs with top-up loans
Need more money to support your existing ICICI Bank Personal Loans? Opt for top-up loans at attractive rates and fulfill the increased need for money easily. You can either combine it with an existing personal loan or treat it as a separate loan.
Just got your first salary and need a personal loan? Why not?
Who says that your first salary cannot make you eligible for a personal loan? With ICICI Bank Fresher Funding Loan, we make sure this is possible. Get up to Rs. 1,50,000 personal loan without any hassles.
Personal Loan eligibility
At ICICI Bank, we are committed to making the borrowing easy and accessible for all. We understand your needs, and therefore we have established the eligibility criteria based on simple parameters.
For salaried employees
- You must be at least 23 years to be eligible for a Personal Loan and the maximum age limit is 58 years.
- You must have a minimum monthly income of INR 30,000.
Apart from the above criteria, we also assess your credit score and existing debts (loans) to determine your repayment capacity.
Personal Loan interest rate
Whether you want to go on an exotic vacation or you want to pay your child’s university fees, you can get a Personal Loan at an affordable interest rate starting from 10.5%* per annum.