ICICI

What you'll love

• ICICI Personal loans is one of the most affordable and widely favored personal loan services, where you can conveniently borrow money for home renovation, weddings, or some other emergency at the lowest interest rate.
• ICICI bank provides personal loans with a flexible tenure, low-interest rates and higher loan amount facility, which is all that a personal loan seeker would wish for in a personal loan scheme. 

Fees & Charges

• Lowest EMI: ICICI Bank personal loan demands a lowest EMI of ₹ 2,187 on a loan amount of ₹ 1 Lakh, which also includes all major fees and charges for the loan approval
• Low processing fees: ICICI Bank charges only 2% of the entire loan amount as the processing fee
• Balance Transfer and Top-up: ICICI Bank provides you with an opportunity to transfer your existing high-cost loan to ICICI at a lower rate of interest. A top-up loan can also be availed on an existing loan once the payment of 6 EMIs for the existing loan has been done.

Eligibility Criteria

• ICICI Personal loans are accessible for both, self-employed individuals and salaried working professionals. 
• Self and paying customers are entitled to a personal loan of up to 40 lakh and are entitled to make use of the money to meet 

Documents

The paperwork needed for personal loans and the processing time are much less than for most other loans. With the following documents, you can secure a loan: ID information, address information, and income proof. You cannot even need to send documentation if you are pre-approved for a Personal Loan.

Perks

• Fast Approval and Quick Disbursal – ICICI bank requires as less as just 3 seconds to 0disburse the amount if the application is duly filled and submitted.
• Flexible Repayment Tenors – The ICICI Personal Loan offers flexible repayment options starting from 12 months up to 60 months
• Easy Repay Structure – Post Dated Cheques (PDC), ECS or auto-debit for automatic payment are the various modes through which ICICI bank enables its customers to schedule their EMI payments

Features of ICICI Personal Loan

• Personalized Loan Offer: ICICI Bank understands that for variable needs, customers require custom-made personal loans which will suit their monthly expenses and the repayment period
• Lowest EMI: ICICI Bank personal loan demands a lowest EMI of ₹ 2,187 on a loan amount of ₹ 1 Lakh, which also includes all major fees and charges for the loan approval
• Low processing fees: ICICI Bank charges only 2% of the entire loan amount as the processing fee
• Balance Transfer and Top-up: ICICI Bank provides you with an opportunity to transfer your existing high-cost loan to ICICI at a lower rate of interest. A top-up loan can also be availed on an existing loan once the payment of 6 EMIs for the existing loan has been done.

ICICI Personal Loan Details

• ICICI Bank Personal Loan Status
• With ICICI Bank, you can easily check the status of your personal loan process application in just a few steps.
• ICICI Bank Personal Loan Balance Transfer
• You can effortlessly transfer your outstanding loan balance to the ICICI Bank after subsequent payment of 12 EMIs at your existing bank. Once the balance is transferred successfully, you can avail lower interest rates for the same.

Fees and Charges

• Lowest EMI: ICICI Bank personal loan demands a lowest EMI of ₹ 2,187 on a loan amount of ₹ 1 Lakh, which also includes all major fees and charges for the loan approval
• Low processing fees: ICICI Bank charges only 2% of the entire loan amount as the processing fee
• Pre-closure charges: Pre-closure of ICICI personal loan is Allowed with Nil charges
• Part-payment charges: Not allowed for a personal loan
• Late EMI payment charges:   loan cancellation charges are been disclosed by the bank during the signing of loan agreement.

Eligibility Criteria

• High Loan amount: Self and paying customers are entitled to a personal loan of up to 40 lakh and are entitled to make use of the money to meet 
• Minimal Prepaid fees: ICICI Bank Personal Loans are subject to fixed prepaid fees.
• Hassle-free loan processing: You can apply on the Web site, through Net Banking, an ATM, or visit your nearest branch to apply for an ICICI Bank personal loan. The application process is quick and paperwork is minimal.

Documents Required

ICICI Personal Loan FAQ

      How can I repay my loan?

You can repay your loan amount in Equated Monthly Instalments (EMIs). The loan repayments can be done via post-dated cheques, ECS, or via a standing instruction to debit the repayment amount from your ICICI account.

      When can I take an ICICI top up loan?

You can take a top up loan from ICICI when you opt for a balance transfer with Capital First.

      Can business owners take personal loans from Capital First?

Yes, ICICI offers personal loans to salaried individuals and Self-Employed. Applicants are required to be employed with a private, public sector, or government body at the time of taking the loan and also Business registration proof.

      What is the repayment tenure for personal loans issued by Capital First?

If you take a personal loan from Capital First, you will need to repay the due amount within 1 year to 5 years (12 to 60 months).

      How to check ICICI personal loan status?

You can check the status of your ICICI personal loan application by visiting the website of Capital First. 

      How to contact ICICI personal loan customer care?

Listed below numbers can be contacted for ICICI personal loan customer care executives 

You can call our customer care between 10 a.m. and 5 p.m. on all days including Sundays and other than bank holidays.