Get a ₹15 Lakh Personal Loan

Interest rates change as per bank’s policy. Click here for the updated interest rates. Tenure ranges from 12 to 72 months depending on your repayment capacity.

EMIs depend on your interest rate and tenure. Longer tenures reduce monthly EMI but increase total interest payable. For example, at 10.75% interest rate per annum:

• 60 months EMI: ₹32,3

• 72 months EMI: ₹28,245

Maintain a good credit score, lower your debt-to-income ratio, pay bills on time and ensure stable employment or business continuity.

Credit assessment is generally required. Approval depends on income profile, repayment history and internal eligibility norms. For select customers with a pre-approved offer from ICICI Bank, the bank already knows the credit score based on existing banking relationships. In such cases, the credit score may not be checked again at the time of applying for the loan. For all other customers, the bank will check the credit score when they apply for a Personal Loan to determine loan eligibility.

Disbursal timelines depend on documentation completeness and internal approval procedures. For an ​​​​ICICI Bank customer with a pre-approved Personal Loan offer, disbursement is completed within 2 hrs. For customers without a pre-approved offer, it may take around one working day to do a credit assessment and loan disbursement, subject to the customer's eligibility and internal assessment.

Minimum salary requirements depend on eligibility criteria, required loan amount and tenure and other internal assessment policies. However, you can check your eligibility digitally in a few clicks by applying for a Personal Loan. You may also refer to the ICICI Bank eligibility calculator, which can provide an indicative, broad-level eligibility estimate.

Personal Loans do not qualify for any tax benefits.

Yes, subject to eligibility assessment and internal approval norms.

The processing fee is applicable as per policy terms at the time of application.