Apply for Personal Loan Online up to ₹50 lakh

A Personal Loan is an unsecured loan to obtain funds for financial expenses such as house renovation, wedding, education, medical bills, travel etc. These loans offer competitive interest rates and flexible tenure options, allowing borrowers to repay in monthly instalments (EMIs) without needing to provide collateral. You can check your Personal Loan EMI amount with our Personal Loan EMI calculator.

No, ICICI Bank offers its customers a collateral-free Personal Loan without any security. Visit our website to apply for an instant Personal Loan online.

ICICI Bank offers Personal Loans starting at Rs. 50,000 up to Rs. 50,00,000.

ICICI Bank Personal Loan repayment tenure ranges from 12 months to 72 months.

Personal Loan foreclosure facility is extended to all customers availing a Personal Loan with ICICI Bank. Customers can foreclose their Personal Loan after the payment of at least one EMI. However, foreclosure charges (and taxes) will be applicable as per the service charges.

A Personal Loan can be used for various purposes such as travel, education, home renovation or business needs. Repayment can be made through easy EMIs with flexible tenure options. You can apply for a Personal Loan from ICICI Bank if you meet the eligibility criteria and provide the necessary documentation.

An Instant Personal Loan is available to select ICICI Bank customers who have a good credit score and repayment history with the Bank. You can apply online without any paperwork and the funds are quickly credited to your ICICI Bank Account. 

No, there are no additional charges to avail an Instant Personal Loan. The standard loan processing charges apply. You can check the applicable interest rate in the interest rate section of the Personal Loan page on our website. 

Yes, ICICI Bank offers a top-up on an existing Personal Loan. To be eligible, you should be an ICICI Bank customer with an active Personal Loan and a good repayment history. 

You can easily repay your ICICI Bank Personal Loan in the form of EMIs. Select a tenure between 12 to 72 months as per your budget and pay monthly EMIs until the completion of the chosen tenure. 

The interest rate of a Personal Loan is determined by multiple factors including your credit score, income, loan amount, tenure, current repo rate, repayment capacity and the bank’s base rate.

Your Personal Loan application might have been declined due to a low credit score / unstable income / high existing debts / incomplete documents or not meeting ICICI Bank’s eligibility criteria and policies.

Yes, ICICI Bank offers Instant Personal Loans to eligible customers. You can get instant loan approval without any documentation based on your credit profile, income and banking relationship with ICICI Bank.

When you apply online for a Personal Loan, you enjoy convenience, faster processing, no paperwork, real-time eligibility checks and quick disbursement, all from the comfort of your home.

Yes, ICICI Bank offers short-term Personal Loans with flexible tenures starting from 12 months, that help you manage urgent or small-ticket expenses conveniently and efficiently.

A Personal Loan can be used for travel, home renovation, medical expenses, education, weddings and for getting quick funds for any other planned expenses or emergency needs.

You can check your Personal Loan eligibility and apply for a Personal Loan online through the ICICI Bank website. The common eligibility criteria are as follows:

For Salaried Individuals:

• Age: 20 - 58 years
• Income: minimum ₹ 30,000 / month
• Work Experience: 2 years

For Self-Employed Individuals:

• Age: 23 - 65 years
• Loan limit: Up to ₹ 50 lakh
• Duration (Age) of Business: 2 years
• Overall Experience: 3 years

Note- You can also know your eligible loan amount using the ICICI Bank Personal Loan Eligibility Calculator before you apply online.

A CIBIL score of 750 or above is preferred for getting quick a quick instant Personal Loan online with favourable terms and lower interest rates.

You can track the status of your Personal Loan application on the ICICI Bank website or the iMobile app or by contacting Customer Care on 1800 1080, using your application number or registered mobile number.

If you already have a Personal Loan from ICICI Bank, you can apply for a Top-Up Personal Loan. Customers with a good credit score and repayment history can request it easily by visiting any Branch or calling Customer Care on 1800 1080.

You can apply for a Balance Transfer with ICICI Bank by submitting your loan details to get a lower interest rate and tenure. The Bank will assess your request and if approved, your loan will be transferred.

Log into ICICI Bank Net Banking or the iMobile app, go to the ‘Loans’ section and download your Personal Loan statement in PDF format for any chosen period.

Yes, you can get Personal Loan insurance after loan disbursement. It protects your family by covering the remaining (outstanding) amount in case of unforeseen events such as death or disability.