Need a small amount to bridge short-term cash flow requirements? ICICI Bank offers a ₹2 lakh Personal Loan to help you manage immediate expenses, whether it's a medical emergency, an urgent repair, or short-term financing needs. Get quick approval, minimal documentation, and fast digital disbursal.
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Disclaimer: The products, services and offers referred to herein are subject to the Terms and Conditions governing them as specified by ICICI Bank from time to time on www.icicibank.in
Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or solicitation to purchase any products/ services of ICICI Bank.
With ICICI Bank Personal Loans, there are no hidden charges. All fees are clearly disclosed upfront for transparency.
Zero foreclosure charges after payment of 12 EMIs.
Personal Loan with a repayment tenure of up to 72 months.
Secure a Personal Loan without the need to pledge any collateral, simplifying the borrowing process and making it hassle free
Apply for a Loan up to ₹ 50 lakh; 100% digitally.
Benefit from stable & predictable interest rates that ensure consistency in your monthly payments.
Indian citizens aged between 20-58 years can apply for this loan.
Proof of identity and residence
Latest 3 months' bank statement (where the salary / income is credited)
Salary slips for the last 3 months
PAN Card and Adhaar Card
Proof of identity and residence
Income proof (audited financials for the last 2 years)
Latest 6 months’ bank statement
Office address proof
Proof of residence or office ownership
Proof of continuity of business.
Choose loan amount (₹ 2 lakh) and preferred repayment tenure.
Fill in your personal and financial details.
Review the loan offer generated.
Confirm and submit your application.
Receive instant approval and credit the loan amount to your account.
Log in to the iMobile app.
Navigate to the Loans section.
Select Personal Loan and choose ₹ 2 lakh.
Provide required personal and income information.
Accept the loan offer digitally.
Amount is credited to your account after approval.
Visit your nearest ICICI Bank branch.
Request the Personal Loan application form for small-ticket loan.
Fill in and submit required documents.
Review and accept the loan offer.
Complete verification and receive the disbursal amount.
The EMI for a ₹2 lakh Personal Loan can be calculated using the Personal Loan EMI calculator available on ICICI Bank’s website.
Plan your EMI according to your monthly income.
Avoid delayed payments to maintain credit discipline.
Track outstanding balance regularly.
Limit additional borrowing during tenure to manage repayment effectively.
Eligibility for a ₹2 lakh Personal Loan is assessed as per defined criteria.
For salaried individuals:
For self-employed individuals:
The minimum salary requirement may vary depending on employer type, required loan amount, tenure and relationship with ICICI Bank. The above points indicate the basic eligibility criteria. The actual eligibility is determined by the bank once you apply for the loan and approval is subject to internal assessment.
These loans offer a financial lifeline during times of unexpected health crisis
Create cherished memories with no compromise, ensuring your wedding is as beautiful as you envisioned
Transforming your living space into a dream home becomes effortless with ICICI Bank Personal loan
Upgrade your gadgets, ensuring you have the tools and devices needed for work, leisure, and staying connected
Unlock the world of travel, fulfilling your wanderlust and creating unforgettable adventures
Pursue knowledge and skills through online courses, opening doors to new opportunities and career advancement
Any individual salaried or self-employed, who meets ICICI Bank’s basic eligibility criteria and needs a short-term loan can apply. The loan is designed for borrowers requiring a small amount for short-term needs.
Standard identity proof (e.g. Aadhaar, PAN), address proof, bank statements, and income verification (as applicable) are required. Documentation is minimal to keep the process quick and simple.
Tenure and interest rate will depend on your profile and the bank’s lending norms at the time of application. EMI amounts will be proportionate to the small loan size, offering an affordable repayment schedule.
On approval, the loan amount is disbursed promptly, often within 24–48 hours to your registered bank account.
