FAQs on ICICI Bank Personal Loans
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What are the minimum and maximum loan amounts?
You can avail of loans ranging from Rs 1,00,000/- to Rs 15,00,000/- depending on your eligibility, income and repayment capacity.
What are the loan tenure options?
The loan can be repaid over a period of 12 to 60 months.
Are there any additional charges?
A processing fee of 2 % or 3 % depending on the location of the loan amount is payable upfront. This fee will be deducted from the disbursal amount payable to you.
How much time will it take for my loan to be approved?
Loans are approved within 72 hours of submission of complete documentation.
Do I have to provide any security, collateral or guarantors?
No security, collateral or guarantors are required for obtaining a Personal Loan.
How do I repay the loan?
You can repay the loan in Equated Monthly Instalments (EMI’s) through post-dated cheques favouring ICICI Bank Limited, or if you have an ICICI Bank account you can mandate us to directly debit the same.
Can I prepay my loan?
Yes, you can prepay the entire loan outstanding after paying 6 installments of availing the same. Prepayment charges as applicable would be levied on the outstanding loan amount. No part prepayment is allowed.
Do I need to open an account with ICICI Bank for availing and/or servicing the loan?
We will encourage you to start a banking relationship with us so that we will be able to offer a host of other value added services, which are complementary to the loan, however opening an account with us is not mandatory.
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8 Comments on this post
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patil amol vijay said:
dear sir i needed a loan for my personal purpose from your icici bank i am salaried person working in institue i.e shatabdi institue of engineering & research agaskhind at nashik and my post of working is lecturer. i have needed actual loan is about 1 lakh 60 thousand
October 8th, 2009 at 12:31 am -
krishnas said:
Hello Patil,
You can contact any of the bankers to get the personal loans.
Thanks,
KrishnaOctober 8th, 2009 at 4:04 am -
C.SIVAKUMAR said:
I SIVAKUMAR PLEASED TO INFORM YOU THAT I AM A SALARY ACCOUNT HOLDER IN ICICI BANK TAMIL NADU COIMBATORE AVINASI ROAD BRANCH.NOW I WISH TO APPLY A PERSONAL LOAN TO BUY A HOUSE IN COIMBATORE MY ACCOUNT NUMBER WAS 058701505534 IN THE MENTION ICICI BRANCH.IF POSSIBLE KINDLY GRAND ME A LOAN THANKING YOU YURS FAITHFULLY SIVAKUMAR
June 1st, 2010 at 10:44 am -
ICICI Bank Care said:
Dear Sivakumar,
We are from ICICI Bank. We will contact you soon and address your queries.
Regards,
ICICI Bank Customer Service Team.June 3rd, 2010 at 4:23 am -
Himkar said:
Hi,
I want to satel down my dues for Personal loan from ICICI bank, I have contacted many times with customer care but no reply.
I am from Noida.
Thanks
July 7th, 2010 at 3:44 am -
ICICI Bank Care said:
Hi Himkar,
We are sorry for this inconvenience caused. Please email us your contact details and we will get back to you soon to bring about the necessary solution. Kindly refer “537345” in the subject line.
Regards,
ICICI Bank Customer Service Team.July 8th, 2010 at 5:42 am -
GURDEEP SINGH said:
Sir.
I have taken a loan against Property.
for the last few month i am not satisfied with th service of URS LOAN DEPT. As they are suffling the INSTALLMENT DATES.
Kindly tell us why the date of installments are shufflinf \ shuffled.
If in this situation happens or dishonar the cheque, installment then who willtake the responsibility.July 27th, 2010 at 7:46 am -
sathiyaraj said:
Dear sir,
this is sathiyaraj from coimbatore, i want pre close my personal loan from icici bank, but i have missed my loan a/c no. and tried many times with customercare to get my a/c no, still i’m not able to get that. What can i do now. tell me customercare mail id and branch details in coimbatore.August 31st, 2010 at 12:08 pm
