Get a ₹ 70,000 Personal Loan

Anyone meeting the Bank’s basic eligibility criteria, whether salaried or self-employed and needing a short-term, small-ticket loan.

Repayment tenure and EMI amounts depend on interest rate and borrower profile. Given the small principal, EMIs will be modest and manageable.

After approval, loan disbursal is typically fast, often within 24-48 hours, directly to your registered account.

A credit evaluation is typically part of the approval process. Sanction depends on income stability, repayment behaviour and internal eligibility assessment. 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. 

The time taken for disbursal varies based on document verification 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.

The minimum salary requirement is determined by eligibility criteria and internal policy guidelines at the time of application. 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.