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2 mins Read | 1 Year Ago

What will be the detailed process to apply for Personal Loans?

What will be the detailed process to apply for Personal Loans?


When it comes to fulfilling your dreams and aspirations, a shortage of funds shouldn’t stop you from achieving it. Buying anything you want is now possible with the help of an Instant Personal Loan. ICICI Bank’s faster processing time and bank approvals, enable you to meet your personal or business needs in just a few clicks. So, whether you are a salaried or self-employed individual, getting an Instant Personal Loanis easier with ICICI Bank.

Ideally, you can borrow a Personal Loan to organise a dream vacation for your family, pay for higher education, manage marriage expenses, home improvement, debt consolidation and pay for medical emergencies, among others.

What is a Personal Loan?

A Personal Loan is an unsecured loan offer that can be used for any personal or business needs. At ICICI Bank, you can avail a loan amount ranging from Rs 50,000 to Rs 50 lakh. A Personal Loan interest rate starts from 10.65% p.a. onwards. If you need money for an emergency, this is the best option. Also, you can repay the loan stress-free at a lower interest rate. ICICI Bank’s existing customers can be eligible for pre-approved Personal Loan offers. And the loan is approved on the basis of your creditworthiness.

Before you apply for an Instant Personal Loan, you must check for eligibility. Typically, the loan is offered to individuals who have a good credit history. For instance, select customers of ICICI Bank can avail the loan on a pre-approved offer at a lower interest rate.

If you do not have any Savings Account with ICICI Bank and you are looking for urgent funds, ICICI Bank’s Unified Customer Journey (UCJ) lets you to apply for the Personal Loan quickly and get your account credited with the amount within 15-20 minutes. The non-existing customers would have to upload the scanned copy of the required documents for the purpose of KYC. To apply for a Personal Loan from ICICI Bank, follow the steps below:

Step 1: Visit

Step 2: Enter the loan amount and loan tenure

Step 3: Enter your mobile number

Step 4: Enter registered / personal mail ID

Step 5: Input the OTP received on your mobile number

Step 6: Add the necessary details based on your profile: Salaried, Self-employed and Business entity

Step 7: Customise your loan

Step 8: Verification takes places and the amount gets disbursed.


As compared to other lenders, the process of availing an Instant Personal Loan from ICICI Bank is simplified, with minimum documentation and quick processing time.


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