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Government Sponsored Schemes

ICICI Bank offer loan towards income generating activities under various schemes launched by central and state government.

Under these schemes, the applicant can avail the Bank loan to start its own business, which will help improve their livelihood and uplift their standard of living.

In few schemes, the rate of interest is specified by the Government, while the other schemes are offered at interest rates in keeping with the Bank’s pricing policy*. Various charges levied by the Bank are as follows:

Interest rates, Charges and Fees

Nature of charges Details

Processing Fee while disbursing loan above Rs 25,000

2% (plus applicable taxes) of the loan amount

* Interest rate p.a.

Fixed rate of 16.75%

Stamp duty and other statutory charges

As per applicable laws of the State

CGTMSE^ Fee while disbursing the loan

As per CGTMSE fee tax invoice

Foreclosure fee


Bouncing charges applicable on non-servicing of Interest on or before due date


^CGTMSE: Credit Guarantee Fund Trust for Micro and Small Enterprises

Penalty Charges

Nature of charges Details

Penalty Interest for delayed payments



The applicant may approach the respective sponsoring agencies to avail the loan under these schemes.

Terms and Conditions apply.