Get a ₹3 Lakh Personal Loan

Any eligible individual whether salaried or self-employed, requiring a small amount for short-term use can apply, provided they meet the bank’s standard criteria for income, age and credit history.

Tenure and interest rate will be determined based on the borrower’s profile and ICICI Bank’s lending norms at the time of application. Since the loan amount is small, the EMI burden will be manageable accordingly.

Once approved, the loan amount is disbursed quickly, often within a day or two, directly into your account, giving you fast access to funds when you need them most.

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. So, the credit score may not be checked again while 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 the ​​​​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 and internal assessment policies. However, you can check your eligibility online in a few clicks by applying for a Personal Loan. You can use the ICICI Bank eligibility calculator to get an estimate of the loan amount you are eligible for.

Personal Loans do not qualify for any tax benefits.