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.
October 8, 2009 at 12:31 am
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 8, 2009 at 4:04 am
Hello Patil,
You can contact any of the bankers to get the personal loans.
Thanks,
Krishna
June 1, 2010 at 10:44 am
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 3, 2010 at 4:23 am
Dear Sivakumar,
We are from ICICI Bank. We will contact you soon and address your queries.
Regards,
ICICI Bank Customer Service Team.
July 7, 2010 at 3:44 am
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 8, 2010 at 5:42 am
Hi,
We are sorry to hear about your discomfort about NEFT Charges. RBI permits NEFT service to be chargeable. You can find these charges on our website http://www.icicibank.com/service-charges/common-service-charges.html. If you have any issues, please e-mail us at care@icicibank.com & we’ll be happy to assist you.
Regards,
ICICI Bank Customer Service Team.
July 27, 2010 at 7:46 am
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.
August 31, 2010 at 12:08 pm
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.
September 3, 2010 at 10:21 pm
Hi Sathiyaraj,
We have made a note of your complaint. Please write to us with your contact details at care@icicibank.com and we will contact you at the earliest to get the problem solved. Kindly refer “699911” in the subject line.
Regards,
ICICI Bank Customer Service Team.
December 24, 2010 at 9:42 am
i got lot of info from your post as i am planning to take a loan from icici.
April 14, 2011 at 12:39 am
Hi,
I am having an personal loan with ICICI, everymonth EMI’s are deducting from my account, now i need the Account statement of my loan but Unfortunately i have lost the details of my existing personal loan, can you please guide me how to get the details?
Thanks in Advance.
Best Regards,
Ramana.
July 23, 2011 at 9:21 pm
sir,
I KARAMVEER SINGH BHIM PLEASED TO INFORM YOU THAT I AM A SALARY ACCOUNT HOLDER IN ICICI BANK.PRESENTLY I AM WORKING IN FATEHABAD (HARYANA)PIN-125050. I WISH TO APPLY A PERSONAL LOAN. MY ACCOUNT NUMBER IS 000401663541 IN THE MUMBAI NARIMAN POINT ICICI BRANCH.IF POSSIBLE KINDLY GRAND ME A LOAN THANKING YOU YURS FAITHFULLY KARAMVEER SINGH BHIM.
May 6, 2012 at 6:34 am
Now,I am working in software company.I have only three months experience.Whether I am eligible for applying personal loan.