BankHigh Limit
ICICI Bank Personal Loan 2026
Interest rate, eligibility, documents & fees
- Interest Rate
- 10.65%–16%
- Loan Amount
- Up to ₹50 lakh
- Tenure
- 12–72 mo
ICICI Bank Personal Loan — Key Details
Last reviewed August 2026
- Interest rate
- 10.65% – 16% p.a.
- Loan amount
- ₹50,000 – ₹50 lakh
- Tenure
- 12 – 72 months
- Processing fee
- Up to 2.25% (min ₹999)
- Minimum CIBIL score
- 700+
- Minimum monthly income
- ₹30,000
- Age
- 23 – 60 years
- Employment type
- Salaried
ICICI Bank Personal Loan EMI
Monthly EMI at the starting rate of 10.65% p.a. Your rate may be higher.
| Loan amount | 12 months | 24 months | 36 months | 60 months |
|---|---|---|---|---|
| ₹1,00,000 | ₹8,822 | ₹4,645 | ₹3,257 | ₹2,157 |
| ₹3,00,000 | ₹26,466 | ₹13,934 | ₹9,772 | ₹6,470 |
| ₹5,00,000 | ₹44,109 | ₹23,223 | ₹16,287 | ₹10,784 |
| ₹10,00,000 | ₹88,218 | ₹46,446 | ₹32,573 | ₹21,568 |
ICICI Bank Personal Loan Eligibility
- Age: 23–60 years
- Minimum monthly salary: ₹30,000
- CIBIL score ≥ 700
- Minimum 2 years of total work experience
- Minimum 1 year with current employer
Documents Required for ICICI Bank Personal Loan
Salaried
- PAN Card
- Aadhaar Card / Passport / Voter ID
- Last 3 months salary slips
- Last 3 months bank statements
- Form 16 (last 2 years)
- Employer ID or HR letter
Self-Employed
- PAN Card
- Aadhaar Card
- Last 2 years ITR with P&L statement
- Last 6 months current account bank statements
- Business registration proof
- CA-certified financial statements
ICICI Bank lends mainly to salaried applicants; self-employed applications may be considered case by case.
Pros & Cons
Advantages
- Instant 3-second disbursal for pre-approved customers
- High loan amount — up to ₹50 lakhs
- Flexible tenure up to 72 months
- Strong iMobile app for loan management
- Top-notch customer service
Watch out for
- Higher minimum income bar (₹30,000/month)
- Processing fee up to 2.25%
- Primarily for salaried; SE applicants limited
- Strict CIBIL ≥ 700 — thin file applications often rejected
How to Apply for a ICICI Bank Personal Loan
ICICI Bank's own application process
- 1Open ICICI Bank iMobile Pay app or net banking portal
- 2Go to Loans → Personal Loan
- 3View your pre-approved offer amount and rate
- 4Select loan amount, tenure; set repayment date
- 5Auto-fetch KYC via Aadhaar OTP or upload manually
- 6Accept offer — funds credited within 3 seconds for pre-approved
Not sure ICICI Bank is right for you? Compare offers from RateCut's lending partners first.
Compare OffersICICI Bank Personal Loan — FAQs
What is the ICICI Bank personal loan interest rate?
ICICI Bank personal loan interest rates range from 10.65% to 16% p.a. (last reviewed August 2026). The rate you get depends on your credit score, income, employer and loan amount.
What is the minimum salary for a ICICI Bank personal loan?
ICICI Bank requires a minimum monthly income of about ₹30,000. It lends to: Salaried.
What is the processing fee for a ICICI Bank personal loan?
ICICI Bank charges a processing fee of Up to 2.25% (min ₹999), plus 18% GST. It is usually deducted from the loan amount at disbursal.
What CIBIL score is needed for a ICICI Bank personal loan?
ICICI Bank generally looks for a CIBIL score of 700 or more. A score of 750+ improves your chances of getting a lower rate.
How long does ICICI Bank take to disburse a personal loan?
As per ICICI Bank's stated process: Accept offer — funds credited within 3 seconds for pre-approved. Existing customers with pre-approved offers are usually faster.
Is ICICI Bank regulated by the RBI?
Yes. ICICI Bank is a private sector bank regulated by the Reserve Bank of India.
Compare ICICI Bank with other lenders
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Figures last reviewed August 2026 and shown for information only. Interest rates, fees and eligibility are set by each lender and depend on your credit profile — confirm the final terms in the lender's Key Fact Statement before you sign. RateCut is a loan marketplace, not a lender.