Get a ₹ 4 lakh Personal Loan

Any eligible individual whether salaried or self-employed, requiring a small ticket loan and meeting the bank’s basic eligibility criteria may apply.

EMI and repayment tenure will depend on interest rate and your repayment capacity. Since the loan amount is small, EMIs will be manageable and payable over a short to medium tenure.

Once approved, the loan amount is usually disbursed fast, often within 24–48 hours, directly to your registered account.

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. 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.