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      Service Charges & Fees for Personal Loans

      Enclosed find the service charges for an ICICI Bank Personal Loan

      • Personal Loans can be foreclosed any time after the payment of the 1st EMI and the applicable charges are 3% + plus applicable taxes.
      • Pre-closure statements are available over the counter at all Asset Servicing Branches
      • NIL Pre-closure charges , if 12 EMIs are Paid.
      • Facility of part pre-payment is not available.

      check your eligibility

      Description of Charges Charges applicable
      Loan Processing Charges / Origination Charges (Non-Refundable) Upto 2.50% of loan amount plus applicable taxes
      Prepayment Charges For salaried customers, 3% 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 Charges 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
      Non Maintenance of Mode of Payment (NMMP Charges) ₹ 800/- (Plus applicable taxes or statutory levies, if any) (Charges levied on monthly basis if loan repayment mode is inactive / ir-regular)

      Notes:

      • GST and other govt. taxes, levies, etc. applicable as per prevailing rate will be charged over and above these charges at the discretion of ICICI Bank ltd.
      • The charges or fees given in above table are subject to change and the one recorded in agreement will be binding over this site.
      • Auto Debit Bounce charges: ₹50 + applicable taxes#

        #Amount will be debited from your savings account.

      Interest Rate Range for Personal Loans for period October 2023 to December 2023:

      Type of credit facility Max Min Mean
      Personal Loan Interest Rates 19.25% p.a. 10.65% p.a. 12.18% p.a.

      Notes:

      • It includes various categories like loan amount, customer relationships, type of corporate/business, etc
      • It excludes subsidy, government schemes and loans disbursed under Credit Guarantee Scheme (ECLGS) at mandated interest rate of 9.25%

      Annual Percentage Rate

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

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

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

      Calculate EMI Apply Now



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