Many types of Loans

Personal Loan

Home Loan

Car Loan

Education Loan

Loan Against Securities

Loan Against Shares

Loan Against Mutual Funds

Loan Against Property

Gold Loan

Two - Wheeler loan

Cardless EMI

Consumer EMI

Kisan Credit Card Loan

Smart Loan

EMI on Debit card

Loan Against Credit Card

Government Sponsored Schemes

Tractor Loan

Find loan as per your need

Why get it from us?

  • Quick loan approval

    Get funds approved within hours.

  • Minimal documentation

    Simple process with fewer formalities.

  • Attractive interest rates

    Enjoy lower EMIs and better terms.

  • Wide loan range

    Covers all personal and business needs.

About loans

Eligibility for loan schemes

Applicants must be Indian residents. Criteria vary by loan type, such as income proof, age (21–65 years) and in some cases, caste or Udyam registration.

Documentation requirements

Submit KYC documents (Aadhaar or Voter ID), PAN card, income certificate, project report and other scheme-specific paperwork. Udyam certificate is mandatory for MSE classification.

Transparent fees and charges

Processing fee is 2% (plus tax) for loans above ₹25,000. Interest rate is fixed at 16.50% per annum (p.a.). No charges for foreclosure, penalty or cheque bounce.

Government Loan benefits

Loans under PMMY and Stand-Up India are collateral-free, designed for micro units and first-time entrepreneurs. Schemes offer support from ₹10 lakh up to ₹1 crore.

FAQs

What types of loans does ICICI Bank offer?

ICICI Bank provides a wide range of loans including Home Loans, Personal Loans, Car Loans, Education Loans, Loan Against Property, Gold Loans, and Business Loans under Government schemes like PMMY and Stand-Up India.

How can I apply for a loan online with ICICI Bank?

You can apply online through the ICICI Bank website or ICICI Bank's iMobile app. For selected loans, you can get instant e-approval with minimal documentation and a fully digital process.

Are there any foreclosure or penalty charges?

No, ICICI Bank does not charge any foreclosure fees or penalty charges on most loans, making repayment flexible and stress-free.

What is the interest rate and processing fee structure?

Interest rates vary by product but government-sponsored schemes may offer a fixed rate (e.g. 16.50% p.a.). Processing fee for loans above ₹25,000 is 2% of the loan amount plus applicable taxes.

What documents are needed to apply for Government loan schemes?

Basic KYC, PAN (if available), income certificate, caste or education certificates (if applicable), Udyam registration and a proposed project report are required for schemes like PMMY and GSS.

How do I apply for an ICICI Bank Solar Loan?

You can apply for a Solar Loan by visiting ICICI Bank’s official website, contacting a relationship manager, or visiting a nearby branch. The bank will guide you through the application process and help you with all the necessary steps.

Looking for something else

Commercial Business Loan

Healthcare Equipment Loans

Pradhan Mantri Mudra Yojana (PMMY)

Stand-Up India Scheme
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