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      ₹
      • ₹30,000
      • ₹1 Cr
      ₹
      • ₹0
      • ₹1 Cr
      Months
      • 12 Months
      • 84 Months

      You are eligible for a
      total amount of

      Your EMI
      will be

      Apply for Personal Loan

      Disclaimer: Personal Loan Eligibility Calculator provides tentative eligible loan Amount. Actual Loan amount is subject to ICICI Bank's verification and other factors

      Personal Loan Eligibility Criteria

      Personal Loan Eligibility Criteria for Salaried

      1. • Age Criteria: 20 years - 58 years

      2. • Net Salary** : Salaried individuals with minimum monthly income Rs.30,000

      3. • Total years in job/profession: 2 Years

      4. • Years in current residence: 1 Year

       

      Note:

      **The minimum salary requirement will differ depending on the profile (Type of employer, having relationship with ICICI Bank etc.) of the customer.

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      Personal Loan Eligibility Criteria for Self Employed

      1. • Age Criteria: 28 years (self employed individuals) and 25 years (for doctors); Maximum age - 65 years

      2. • Minimum Turnover: Rs. 40 lakh for non-professionals; Rs. 15 lac for professionals; as per audited financials

      3. • Minimum Profit After Tax: Rs. 2 lac for Proprietorship Firm/Self employed Individuals and Rs. 1 lac for non-professionals as per audited financials

      4. • Business Stability: In current business for at least 5 years and minimum 3 years for doctors

      5. • Existing relationship with ICICI Bank: Minimum 1 year liability relationship (current or savings account) or Asset relationship (loan) either live or closed in the last 36 months; repayment track as required

       

      Note:

      ICICI Bank provides Personal Loans to self employed individuals under Business Installment Loan

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      Popular Personal Loan FAQs

      EXPAND ALL | COLLAPSE ALL

      What is a Personal Loan?

      Personal Loan is an unsecured Loan and one of the best loans for marriage expenses, paying medical bills or planning your dream vacation. Personal Loans can act as a financial cushion for you at the time of emergency. Whatever your financial goals are, ICICI Bank Personal Loans cater to all your needs. Availing a Personal Loan is not restricted to just emergencies, you can apply for a Personal Loan to fund your vacation as well. You can also check Personal Loan EMIs with our Personal Loan EMI calculator.
      You can apply for a Personal Loan online from our ICICI Bank website and meet your diverse financial needs. You can avail a Personal Loan up to Rs <50> lakh and meet a sudden personal emergency. The process of Loan application is instant and convenient and can be done online from the comfort of your home. The instant Personal Loan approval process ensures you have a seamless and stress-free borrowing experience. Also, with our instant Personal Loan online services, you can get access to funds within 3 seconds.

      How does one avail an instant Personal Loan online with ICICI Bank?

      Visit our website to secure an instant Loan with ICICI Bank. After checking your Pre-approved Offer, check your eligibility, fill in and submit your Personal Loan application. Select the Loan amount and tenure as per your requirement. Check your Personal Loan approval status. You will receive an instant Loan approval and the amount will be disbursed into your Account immediately.

      What are the required documents for a Personal Loan with ICICI Bank?

      Documents required to avail an Instant Personal Loan with ICICI Bank:

      For Salaried Individuals:

      • Proof of Identity: Passport/Driving License/Voter ID/PAN Card (any one)
      • Proof of Residence: Leave and License Agreement/ Utility Bill (not more than 3 months old)/ Passport (any one)
      • Last 3 months’ Bank Statement (where salary/income is credited)
      • Salary slips for the last 3 months
      • 2 Passport size photographs.

      For Self-Employed:

      KYC Documents: Proof of Identity, Address proof and DOB proof.

      • Proof of Residence: Leave and License Agreement/ Utility Bill (not more than 3 months old)/ Passport (any one)
      • Income proof (audited financials for the last two years)
      • Last 6 months’ Bank Statement
      • Office address proof
      • Proof of residence or office ownership
      • Proof of continuity of business.

      *Conditions apply.

      *ICICI Bank reserves the right to call upon additional documents at its discretion.

      Do I need to provide a security or collateral to apply for a Personal Loan with ICICI Bank?

      No, ICICI Bank offers its customers a collateral-free Personal Loan without any security. Visit our website to apply for an instant Personal Loan online.

      What is the minimum and maximum amount of Personal Loan offered by ICICI Bank?

      ICICI Bank offers Personal Loans starting at Rs 25,000 up to Rs 50,00,000.

      What is the interest rate on an ICICI Bank Personal Loan?

      ICICI Bank currently offers a Personal Loan at interest rates ranging from 10.50% to 16%.

      What is the repayment tenure of a Personal Loan?

      ICICI Bank Personal Loan repayment tenure ranges from 12 months to 84 months.

      What is the Personal Loan processing time?

      The Loan approval process at ICICI Bank is simple, quick and instant. Once a customer's Personal Loan is approved, it takes only 3 seconds for the amount to be disbursed into your Account.

      What are the advantages of taking a Personal Loan with ICICI Bank?

      The advantages of an ICICI Bank Personal Loan are:

      • Attractive Interest Rates
      • Flexible Tenure Options
      • Low EMI Amount
      • Easy Application Process
      • Pre-Approved Offers
      • No Collateral Required
      • Quick Disbursement
      • Quick Assistance
      • Digital Process
      • No Restrictions on Usage
      • Minimal Documentation.

      Can I foreclose my Loan with ICICI Bank?

      Personal Loan foreclosure facility is extended to all customers availing a Personal Loan with ICICI Bank. Customers can foreclose their Personal Loan after the payment of at least one EMI. However, 5% foreclosure charges (and taxes) will be applicable.

      Does a Personal Loan offer Tax benefits?

      No, there are no Tax benefits and Tax deductions on Personal Loans.

      What are the eligibility criteria for a Personal Loan?

      Personal Loan Eligibility criteria for salaried individuals:

      • Age: 23 years to 58 years
      • Monthly Income: Rs 30,000 and above (The minimum salary requirement will differ depending on the profile of the customer.)
      • Work Experience: 2 years
      • Years in current residence: 1 year.

      Eligibility criteria for self-employed individuals:

      • Age: 28 years (self-employed individuals) and 25 years (for doctors); Maximum age - 65 years
      • Minimum Turnover: Rs 40 lakh for non-professionals; Rs 15 lakh for professionals; as per audited financials
      • Minimum Profit After Tax: Rs 2 lakh for Proprietorship Firm/Self-employed Individuals and Rs 1 lakh for non-professionals as per the audited financials
      • Business Stability: 5 years minimum for the current business and 3 years minimum for doctors
      • Existing relationship with ICICI Bank: Minimum 1 year liability relationship (Current or Savings Account) or Asset relationship (loan) either live or closed in the last 36 months; repayment track record as required.

      Why should you choose ICICI Bank Personal Loan?

      • Attractive Interest Rates
      • Flexible Tenure Options
      • Low EMI Amount
      • Easy Application Process
      • Pre-Approved Offers
      • No Collateral Required
      • Quick Disbursement
      • Quick Assistance
      • Digital Process
      • No Restrictions on Usage
      • Minimal Documentation.
      View More

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