Want us to help you with anything?
Request a Call back
Insta Personal Loan
A pre-approved facility only extended to a select base of pre-qualified customers who have also previously been a part of our banking system.
A 3 seconds ICICI Bank Loan designed to meet the instant need of funds for ICICI Bank customers. A simple process ensures customers receive the funds as soon as possible.
How to avail of the facility through ICICI Bank Internet Banking
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 the nearest branch of ICICI Bank.
To apply for a Personal Loan from ICICI Bank, you only need to submit basic Know Your Customer (KYC) documents and income-related documentation.
Yes, we do! To help you meet any shortfalls in your finances, we offer a top-up facility on your existing Personal Loan. You can avail of 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: Avail of our Customer Care service
Alternatively, for placing a request for a top-up loan, you may call our Customer Care on 33667777 from 08:00 a.m. to 08:00 p.m.
Option 3: Visit a branch of ICICI Bank
You can also place a request for a top-up loan by visiting any Asset Servicing Branch of ICICI Bank that is near you. Please make sure to carry the following documents with you.
- A proof of identity
- A proof of address
- A three-month statement of the bank account in which your salary is credited
- Your salary slips for the last three months
- Your Form-16 for the current or the previous financial year.
You can look for the Asset Servicing Branch of ICICI Bank that is near to you by visiting www.icicibank.com and clicking on ‘Find ATM/Branch’ option.
EMI is the abbreviation of ‘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 take
- 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 get a better idea of the amount of EMI 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 from ICICI Bank by clicking the button below.
Our Personal Loans give you a range of advantages. Here are some reasons for taking a Personal Loan from ICICI Bank.
- You have the ability to choose a tenure from 12 months to 60 months
- There’s no collateral requirement for availing of the loan
- Avail of 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
- There’s minimal documentation required and the convenient application process makes approval and disbursement of your loan quite simple.
No, there is no requirement for any security or collateral for availing of a Personal Loan from ICICI Bank
You can apply for a Personal Loan from us through any of the following channels.
Option 1: Internet Banking
Click here to apply for a Personal Loan.
Option 2: Customer Care
You may call our Customer Care on 1860 120 7777 between 08:00 a.m. and 08:00 p.m. to apply for a Personal Loan. To know our Customer Care numbers, please click here.
Option 3: Branches of ICICI Bank
You can also visit the Asset Servicing Branch of ICICI Bank that is near you and submit the following documents to apply for a Personal Loan from us.
- A proof of identity
- A proof of address
- A three-month statement of the bank account in which your salary is credited
- Your salary slips for the last three months
- Your Form-16 for the current or the previous financial year
Please check our website for information on the Asset Servicing Branch of ICICI Bank that is near you.
You can check the status of your application for a Personal Loan by simply visiting the link given below.
Click here to check the status.
If you are an existing customer of ICICI Bank and if you’re 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 of Personal Loan, visit the Offer section of your Internet Banking or iMobile app to check Personal Loans offer. Alternatively, you can SMS PL PA to 5676766 to check your pre-approved offer.
You can repay your Personal Loan from ICICI Bank 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 amount of EMI 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 of Personal Loan ranging from Rs 50,000 to Rs 20,00,000.
The minimum amount you can borrow from us is Rs 50,000, while the maximum amount is Rs 20,00,000. The amount of loan that you can borrow depends on your eligibility, income and your capacity to repay.
With Personal Loans from ICICI Bank, you can get money instantly for a wide range of personal needs like 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 of a Personal Loan up to Rs <20> lakh from us at attractive rate of interest. Once the loan is disbursed to you, you can use the money for any purpose, as per your needs.
That’s not all. We also offer fresher funding loans that you can avail even with your very first salary. With a pre-approved Personal Loan, the entire process takes only a few minutes. So, hurry and check out the different types of Personal Loans we offer and apply for one today!
Reasons to opt for a Personal Loan from ICICI Bank:
- You can use the borrowed amount for any purpose, as per your needs
- You get flexible repayment tenures up to <60> months
- You can avail of a fixed rate of interest. Interest will be charged on a monthly, reducing basis
- There’s no need to put up any collateral against the loan
- You can set up an Electronic Clearing Service (ECS), a Post Dated Cheque (PDC), or an auto-debit system for automatic repayment of your EMI every month.
