ICICI Bank Personal Loan Interest Rates

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ICICI bank's personal loan starts as low as 10.99%* p.a.

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ICICI Personal Loan Interest Rates

Type of Charge Interest Rates and Charges Details
Personal Loan Interest Rates 10.99% - 22.00% Per Annum
Loan Processing Charges / Origination Charges (Non-Refundable) Upto 2.25% per annum of loan amount plus GST
Prepayment Charges 5% per annum of principal outstanding plus GST
Additional Interest on late payment 24% per annum
Repayment Mode Swap Charges ₹ 500/- per transaction plus GST
Amortisation Schedule Charges ₹ 200/- per schedule plus GST
Statement of Account Charges ₹ 200/- per schedule plus GST
Prepayment/Foreclosure Statement Charges ₹ 100/- per schedule plus GST
Duplicate No Objection Certificate/ No Due Certificate ₹ 500/- per NOC plus GST/₹ 200/- per NDC plus GST
Duplicate Prepayment/Foreclosure Statement Charges ₹ 200/- per schedule plus GST
Loan Cancellation Charges ₹ 3000/- plus GST
EMI Bounce Charges ₹ 400/- per bounce plus GST

Note: Charges are at the discretion of ICICI bank. These are only indicative and subject to changes at any point of time.Current GST applicable is 18.00% with effect from July 01, 2017.

ICICI Interest Rates for Salaried Corporates

Corporate Type Salary Band Special Corporate Offer (ICICI Bank Customers) Special Corporate Offer (Non ICICI Bank Customers) Processing Fee (ICICI Bank Customers) Processing Fee (Non ICICI Bank Customers)
Emerald Corporates NTH >/= 35 K 10.99% 10.99% 0.99% 0.99%
Emerald Corporates NTH < 35 K 11.49% 11.49% 1.25% 1.25%
Diamond Corporates NTH >/= 35 K 10.99% 10.99% 0.99% 0.99%
Diamond Corporates NTH < 35 K 12.49% 12.49% 1.25% 1.25%
Pearl Corporates All Bands 13.99% 14.75% 0.99% 1.25%
Ruby Corporates All Bands 15.50% 15.75% 1.50% 1.75%
Topaz Corporates All Bands 15.50% 15.75% 1.50% 1.75%

ICICI Interest Rates - Special Group Offer

Corporate Type Salary Band Special Corporate Offer (ICICI Bank Customers) Special Corporate Offer (Non ICICI Bank Customers) Processing Fee (ICICI Bank Customers) Processing Fee (Non ICICI Bank Customers)
Reliance Group All Bands 12.99% 12.99% 0.75% 0.75%
ICICI Group Employees All Bands 11.75% 11.75% ₹1,999 ₹1,999

ICICI Interest Rates - Special Industry Offer

Sector Type Salary Band Special Corporate Offer (ICICI Bank Customers) Special Corporate Offer (Non ICICI Bank Customers) Processing Fee (ICICI Bank Customers) Processing Fee (Non ICICI Bank Customers)
BFSI All Bands 13.99% 13.99% 0.99% 0.99%
Pharma All Bands 13.99% 13.99% 1.25% 1.25%
Private Banks NTH >/= 75 K 12.75% 12.75% ₹2,999 ₹2,999
Private Banks NTH 35K - 75K 12.99% 12.99% ₹ 2,999/- ₹ 2,999/-
Private Banks NTH <35 K 13.49% 13.49% ₹2,999 ₹2,999
PSU Banks NTH >/= 50 K 13.25% 13.25% 1.49% 1.49%
PSU Banks NTH 35K - 50K 14.70% 14.70% 1.49% 1.49%
PSU Banks NTH <35 K 15.75% 15.75% 1.49% 1.49%

ICICI Interest Rates - Special Government Offer

Govt Type Salary Band Special Corporate Offer (ICICI Bank Customers) Special Corporate Offer (Non ICICI Bank Customers) Processing Fee (ICICI Bank Customers) Processing Fee (Non ICICI Bank Customers)
Government-Diamond NTH >/= 75 K 11.29% 11.29% 1.5% 1.5%
Government-Pearl NTH 35K - 75K 11.50% 11.50% 1.50% 1.50%
Government-Ruby NTH <35 K 13.50% 13.50% 1.50% 1.50%

ICICI Personal Loan EMI Calculator

You can check the Loan EMI Calculator here and easily ascertain your loan repayment obligation over time.

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For your ease, we have create an easy to read table for persoanl loan EMI For Rs 1 lakh @10.99%p.a.

LOAN AMOUNT INTEREST RATE TENURE MONTHLY LOAN INSTALMENT(Rs.) TOTAL INTEREST AMOUNT(Rs.) TOTAL AMOUNT REPAID(Rs.)
1,00,000 10.99% 1 yr 8,838 6,051 1,06,051
1,00,000 10.99% 2 yr 4,661 11,848 1,11,848
1,00,000 10.99% 3 yr 3,274 17,843 1,17,843
1,00,000 10.99% 4 yr 2,585 24,036 1,24,036
1,00,000 10.99% 5 yr 2,174 30,425 1,30,425

Note: Charges are at the discretion of ICICI bank. These are only indicative and subject to changes at any point of time.

ICICI Personal Loan Eligibility

As per ICICI Bank norms, the following are the eligibility criteria for applying for a personal loan

For Salaried Individuals

1. The age of the loan applicant must be between 23 years and 58 years.
2. Minimum Net Monthly Income of the applicant should be ₹ 17,500/-
3. For Delhi & Mumbai applicants the minimum Net Monthly Income ₹25,000/-
4. For Bangalore, Chennai, Hyderabad, Kolkata or Pune applicants the minimum monthly income of ₹20,000/-
5. Minimum 2 years of work experience with at least 1 year of work experience with the current employer

Self-employed Individuals and Working Professionals

1. The age of the loan applicant must be between 28 years and 65 years (Minimum 25 years for Doctors)
2. Minimum turnover of the business of the applicant must be ₹40 lakhs in case of non-professionals
3. Minimum turnover of the business of the applicant must be ₹15 lakhs in case of professionals
4. Minimum profit must be ₹2 lakhs for self-employed individuals and proprietors (tax excluded)
5. Minimum profit must be ₹1 lakh for non-professionals (tax excluded)
6. Minimum 5 years experience in business (3 years for doctors)
7. The applicants should have a relationship with the ICICI bank for a minimum of 1 year like an account holder or an existing loan customer wherein the loan is either running or would end in the initial 36 months of the loan tenure