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      ICICI Bank pre-approved Personal Loan is generally offered to customers having a good credit history or who have a clean track of repaying their dues. It is also offered to customers if they have no credit history referring to parameters like income and saving history. If you are an ICICI Bank customer, you can log in to Internet Banking using iMobile app or through www.icicibank.com to check your eligibility.  

      The pre-approved Personal Loan amount differs for every individual. The maximum pre-approved amount can go up to Rs 50 lakhs* which considers customer’s credit history as well as loan repayment cycle. To repay the loan, you can opt for tenure ranging from 12 months to 72 months which will make the loan repayment process easy for ICICI Bank customers.

      Sample Personal Loan Calculation

      Loan Amount Rs. 1,000,000
      Interest Rate 11.25% per annum
      Loan Term 60 Months
      Monthly EMI Rs. 21,867
      Processing Fees 1.25% of loan amount plus GST

      *The values shown are for representation purposes only. Actual values may differ.

      How to Avail Pre-approved Personal Loan

      You can apply for ICICI Bank pre-approved Personal Loan in just 4 steps:

      Step 1:  Fill the application form:

      • Apply through iMobile app or www.icicibank.com
      • Visit the nearest ICICI Bank branch

      Step 2: Select your required loan amount and tenure.

      Step 3: Amount will be credited to your account.

      You can apply for ICICI Bank pre-approved Personal Loan in just 4 steps:

      Step 1:  Fill the application form:

      • Apply through iMobile app or www.icicibank.com
      • Visit the nearest ICICI Bank branch

      Step 2: Select your required loan amount and tenure.

      Step 3: Amount will be credited to your account.

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      Popular FAQs

      A pre-approved Personal Loan is usually offered by banks to customers who have a clean track record of repaying their dues. It is often offered at lower interest rates. It is also offered in case customer has no credit history basis parameters like income and savings history.

      This is based on your credit history and loan repayment track. ICICI Bank offers pre-approved amount up to Rs 20 lakh.

      You can apply through ICICI Bank website, ICICI Bank iMobile app or ICICI Bank ATM or just SMS PL to 5676766.

      You can repay the loan in Equated Monthly Instalments (EMIs). If you have an ICICI Bank Account, you can mandate us to directly debit the same through auto debit mandate or if you have an alternate bank account, then through NACH mandate.

      Pre-approved loans are instant approved loans and require just 3 seconds* for disbursal.

      No, there is no requirement of security or guarantor for the pre-approved Personal Loan.

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