A personal loan is an unsecured credit facility offered by ICICI Bank that allows you to borrow funds without collateral to meet various financial needs, from home repairs to education, wedding expenses or emergencies.

Living in Chennai? With ICICI Bank’s extensive branch network and efficient loan process, you get fast approvals, attractive interest rates, flexible EMIs and easy access to funds, right in your city.

Since this is an unsecured loan, there is no need for collateral or a guarantor. Documentation is minimal, and the application, online or in-branch, is designed for quick disbursal, helping you access funds when you need them most.

Interest rates typically range from 10.85% to 16.65% per annum, depending on your profile. Loan tenures are flexible, generally from 12 to 72 months. Minimum eligibility includes a stable income (₹30,000 per month for salaried) and valid KYC documents.