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Type of credit facility Interest Rate and Charges Applicable
Personal Loan Interest Rates 10.75% to 19% per annum
Loan Processing Charges / Origination Charges (Non-Refundable) Upto 2.50% of loan amount plus applicable taxes
Prepayment Charges For salaried customers, 3% plus applicable taxes on principal outstanding after payment of 1st EMI and Nil if 12 or more EMIs are paid. For MSE classified customers, charges are Nil after payment of the 1st EMI for Loan amount upto 50 lakhs.
Additional Interest on late payment 24% per annum
Repayment Mode Swap Charges ₹500/- per transaction plus applicable taxes
Loan Cancellation Charges ₹3000/- plus applicable taxes
EMI Bounce Charges ₹500/- per bounce plus applicable taxes


  • The specific interest rate applicable to a customer would be dependent on the segment, asset category, and location
  • ICICI Bank reserves the right to revise the rate of interest and processing fee from time to time, at its sole discretion
  • GST and other govt. taxes, levies, etc., applicable as per the prevailing rate will be charged over and above these charges at the discretion of ICICI Bank Ltd
  • The charges or fees given in the above table are subject to change and the one recorded in the agreement will be binding over this site
  • Auto Debit Bounce charges: 50 + applicable taxes#

    #Amount will be debited from your savings account.
Service Charges; Fees for Personal Loans

Enclosed find the service charges for an ICICI Bank Personal Loan

  • Pre-payment of the loan is possible anytime during loan tenure after payment of 1 EMI with applicable forceclouser charges i.e 3 % plus applicable taxes.
  • The waiver, if any, of the prepayment charges will be applicable provided that
    • Minimum 1st EMI is paid.
    • If 12 EMIs paid then NIL, Pre-payment charges applicable.
    • For MSE (Micro and Small Enterprises) tagged customers, Nil Pre-payment charges subject to loan amount is less than or equal to 50 lac.
  • The facility of part pre-payment is not available.

Personal Loan Interest Rates for period Oct'22 to Dec'22

Type of credit facility Max Min Mean
Personal Loan Interest Rates 19.01% p.a. 10.75% p.a. 12.69% p.a.


  • It includes various categories like loan amount, customer relationships, type of corporate/business, etc
  • It excludes subsidy, government schemes
  • Mean rate = Sum of rate of all loan accounts / Number of all loan amounts
Annual Percentage Rate

The Annual Percentage Rate (APR) is a method to compute annualised credit cost, which includes the interest rate and processing fee.

The APR calculator does not include charges such as prepayment charges, etc.

To calculate the same and to download the APR calculator, please click here.

Personal Loan

Personal Loan

Attractive Rate of Interest starting from 11.25% p.a

Savings Account

Savings Account

Designed to fulfil your different needs in every stage of life

Education Loan

Education Loan

Fulfil your dreams with ICICI Bank Education Loans

Life Insurance

Life Insurance

Trusted Plans to secure your family