Check ICICI Bank Personal Loan Eligibility in 1 Minute

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Dreams are meant for realizing and with the option of ICICI bank Personal Loan, all you need to do is make plans and enjoy watching your fantasy come to life.

As experts at BankCircle would inform you, there are multiple advantages associated with ICICI bank Personal Loan, primary among which is its multi-purpose nature and flexibility in terms of tenure for repayment. This implies that on being eligible you can apply for the loan on a variety of personal grounds like revamping your home or office, a luxury cruise or buying a new laptop that you always wanted.

What renders the ICICI bank Personal Loan truly attractive is that it does not require any collateral or security and can be paid back in installments as per your convenience in terms of amount and duration. Features like quick processing time and not much in terms of documents further add to the convenience factor.

Loan Upto Rs. 30 Lakhs

Borrow up to Rs. 30,00,000 for any purpose, depending on your requirements.

Lowest EMI Guranteed

  • Avail Attractive Interest Rates.
  • Repay with easy EMI' s .
  • Flexible repayment options, ranging from 12 to 60 months.

Hassle Free

  • Avail Attractive Interest Rates.
  • Repay with easy EMI' s .
  • Flexible repayment options, ranging from 12 to 60 months.

Cash Back Offer

Assured Cash Back Upto Rs. 10, 000

ICICI Bank Personal Loan Detail Overview


ICICI Bank Personal Loan Interest Rates: 11.59 - 17.50%

ICICI Bank Personal Loan Processing Fee: Rs.999 for Special offers otherwise 1% - 2.5%

ICICI Bank Personal Loan Forclosure charges: Nil – 5.00%

ICICI Bank Personal Loan Repayment Period: 12 months to 60 months

ICICI Bank Personal Loan Loan Amount: Upto Rs. 20 Lakh

ICICI Bank Personal Loan Minimum Income: Min. Income 25, 000 per month

ICICI Bank Personal Loan Eligibility Criteria

  • ICICI Bank Personal Loan Eligbility Criteria | Salaried Individual
    • Minimum age of Applicant: 23 years
    • Maximum age of Applicant at loan maturity: 60 years
    • Minimum employment: Minimum 1 year
    • Minimum Net Monthly Income: Rs. 25,000 per month
  • ICICI Bank Personal Loan Eligbility Criteria | Self Employed
    • Minimum age of Applicant: 25 years
    • Maximum age of Applicant at loan maturity: 65 years
    • Years in business: 4 to 7 years depending on profession
    • Minimum Annual Income: Rs. 5, 00, 000 p.a.
  • Eligbility Criteria | Doctors
    • Minimum age of Applicant: 25 years
    • Maximum age of Applicant at loan maturity: 65 years
    • Years in business: Minimum 5 years depending on profession
    • Minimum Annual Income: Rs. 3, 00, 000 p.a.

ICICI Bank Personal Loan List of Documents

  • ICICI Bank Personal Loan List of Common Documents
    • Complete Application Form.
    • Latest Passport Size Photograph.
    • Identity Proof and Signature proof (Any One) : Bank Signature Verification, Photo Pan Card, Passport, Voter ID card, employee identity card as identity proof and signature proof incase of government employees.
    • Address Proof (Any One) : Passport, Ration Card, Voter ID Card, Bank statement, Rent Agreement, Aadhar Card (UID), Telephone Bill, Electricity or Water Bill as proof of residence.
    • Date of Birth Proof (Any One) : Pan Card, Passport, Driving License or LIC policy. Date of Birth certificate.
  • ICICI Bank Personal Loan List of Financial Documents | Salaried Individuals
    • Minimum 3 months Salary Slips starting with the Latest Salary Slip duly authenticated by the Employer ( the above to clearly indicate the break up of Gross Earnings, Deductions and Net Salary ).
    • Form No.16 with clear computation of income.
    • Latest 6 months Salary Account Bank statement.
  • ICICI Bank Personal Loan List of Financial Documents | Self Employed
    • Income Tax Returns ( ITR ) for last 3 years.
    • Computation of Income (COI), Profit & Loss and Balance Sheet for the last 3 years.
    • Latest 6 months Bank Statement.
    • Office Address Proof: Latest Telephone bill, Electricity Bill, Water Bill, lease deed, municipal tax receipt, title deed.
    • Latest VAT/ Service Tax returns, if applicable.
    • Partnership Deed in case of Partnership Firms, MOA in case of Private Limited/ Limited Companies.

Illustration on Personal Loan Rate of Interest

  • Maximum Annual Percentage Rate (APR) or Rate of Interest (ROI) : 15.5%
  • Total amount borrowed: Rs. 100,000
  • Time period: 36 months ( 3 Years )
  • Processing Fee payable to Bank: 1.5% = Rs. 1,500.
  • Fee payable to BankCircle: NIL
  • Total Monthly EMI: Rs. 3,491
  • Total Interest Payable: Rs. 25,678
  • Total Amount Paid inclusive of Principal: Rs. 1, 25, 678

Personal Loan EMI

Rs. 3, 491 ( Equated Monthly Installment or EMI to be paid in a tenor of 36 months or 3 years ).

Total Interest

Rs. 25, 678 ( Total Interest to be paid in a tenor of 36 months or 3 years ).

Total Repayment

Rs. 1, 25, 678 ( Total Repayment including Principal Amount and Interest to be paid in a tenor of 36 months or 3 years ).

Experts are behind everything we do.

With our expert team having tremendous knowledge of the pecuniary market, we provide our customers with large database to compare the offerings of various financial institutions. This enables them to make sensible decisions that could be converted into reality.

Know More Contact Us

It has always been a pleasure to work with the staff at BankCircle. They know and understand my every day lives, and are very responsive to ones needs. In today's busy environment, it's all about building good working relationships and BankCircle does an excellent job.

Pankaj Thakur Product Manager, ICICI Bank Limited

My experience of availing a Personal Loan from bank via BankCircle was good. Documentation was very simple & fast and the processing of the loan was completed in less than a week.

Khushbir Kaur Continental Group

I visited BankCircle for my Home Loan & for Personal Loan, where the experience was good and my loan was approved. Within a week, all the processing was over and I would say that it is fast. Website is user friendly and interactive too. Even a beginner can understand and easily access it. Customer Support is too friendly and very responsive.

Raj Kumar Government Job

Our Core Services

With these specialisations, we embrace our mission to bring each client the best service.

Apply Personal Loan Online

Personal Loan

Need cash assistance or Personal Loan for buying a new laptop, daughter’s marriage, revamping a house? All good things in life come in surprise packages and at BankCircle we believe that you should be in a position to accept them financially and enjoy them to the fullest.

Apply Business Loan Online

Business Loan

Contrary to traditional thinking, now is the time to give concrete shape to your concept by starting your own business and actualizing your dreams. What about the financial aspect? Seek advice from professionals at BankCircle and they would advise on how to go about procuring a Business Loan.

Doctor Loan

It is but natural for every specialized professional to desire growth and progress in his chosen profession and doctors are no exception to this rule. Consulting with BankCircle is a viable option wherein our team would educate you not just on how to apply for a Doctor Loan but also the interest rates that you can expect to be charged.

Home Loan

Deep within their hearts, everyone harbours a picture of what their dream home would be like. But close your eyes for a second and imagine that it is indeed possible to buy the home that you have always dreamt of as your perfect abode. With BankCircle by your side, your dream home need not remain a dream – it can become a reality.

Loan Against Property

Do you feel that you could do with a bit of extra financial backing but are hesitant to ask for a personal loan? In such a situation, Loan Against Property is the next best option that experts at BankCircle suggest. And there is an icing on the cake too – the sky is the limit as regards the ways in which you can use these loans which could be for a marriage in the family, going for a adventure tour that you always longed for or diversifying your business.

Cash Credit | Overdraft

To meet the short-term financial requirements of your business, BankCircle would advise you to consider applying for a Working Capital Loan. Given the short term nature of this loan, it can truly come in handy for a businessman who wishes to expand his commercial horizons and explore hitherto unexplored frontiers. With BankCircle by your side, you not only can you find out if you are eligible for this loan but also how you can go about acquiring it by paying minimal interest rates.