Instant Online ICICI Personal Loan

Online in 1 Day* @10.45%


Quikkloan offers a free service and therefore, we do not charge any fee from customers

Instant Personal Loan Approval

100% Online Process

No Hidden Charges

Minimum Documentation Process




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personal Loan

ICICI Personal Loan Online in 1 Day*

We deliver financial happiness to our customers. 100% Online Process | No Branch Visits | No Hidden Charges | Minimum Documentation Process

Install Our App for Faster Loan Approval

How it Works!

Quikkloan made the effortless process for the customers. Apply Personal Loan Online, Compare the best personal loan offer from the various Banks & NBF, upload the documents online, get disbursal in 24Hrs.

  Eligibility Criteria
Salaried Individuals between 21 to 58 years, Minimum Net Monthly Salary of Rs. 20,000 and Employed for at least 1-2 years

  Get ready with Documents
PAN & Aadhaar Card, Latest 3 month Bank statement, Two latest salary slip / latest Form 16, Cancelled Cheque

  Get Disbursal in 1 Day*
Personal Loan up to 25 Lakh, Instant approval and Fast Disbursal through Partnered Banks / NBFC, No Collateral and Minimum Documentation

ICICI Bank Personal Loan

ICICI Personal loan can easily be availed online at an attractive interest rate of 11.25% per annum. Both salaried and self-employed individuals can get personal loan from ICICI. The bank offers apersonal loan of up to Rs.20 lakh for a tenure of up to 5 years.  With minimal documentation, lowest processing fee and other charges, this loan can be availed instantly online. Make sure you meet the required personal loan eligibility criteria to enjoy a hassle-free loan journey. A salaried individual needs to earn a minimum monthly income of Rs.17,500 to become eligible for an online personal loan. This instant loan from ICICI comes handy to meet the varied needs of one and all. 


Install Personal Loan App to Compare the Best Lenders Suitable for your Profile.

ICICI Personal Loan Interest Rates

Particulars Details
Interest Rates 11.25% to 22.00% per annum
Loan Amount Up to Rs.20 lakh
Tenure 5 Years
Processing Fee Upto 2.25% of loan amount + GST
Minimum Monthly Income  Rs.17,500,20,000 &25,000 (Salaried), 
Cibil Score Above 750 (out of 900)
Prepayment Charges 5% on principal outstanding + GST

Documents Required For Personal Loan

Mentioned are the personal loan documents for salaried and self-employed.



Complete Online Application

Fillup the Online loan Application in just 2 minutes


Provide Identity Proof

Voter id/ Passport/ Driving License / Aadhaar Card


Address Proof

Aadhaar /Passport/ Telephone or Electricity Bill/ Ration Card


Bank Statement

Latest 3 Months Bank Statement or Passbook


Income Proof

For Salaried – Latest 3-month Salary Slip

                    For Self Employed –  ITR and Current Bank Statement of 3 months

Why Choose ICICI Personal Loan

There are several reasons to choose Personal Loan from ICICI Bank

Quick Disbursal

Attractive Interest Rates

Attractive Interest Rates

Flexible Loan Tenures

Minimal Documentation

  Multi-purpose Loan

No Collateral/Security 


How to Apply for ICICI Personal Loan 

Apply online personal loan ICICI bank and get instant approval and disbursal in 24 Hrs. The online process is really simple and quick as within a few minutes and steps, you can get a personal loan ICICI. 



From Where to Apply for an Instant Personal Loan ICICI Online

Quikkloan is an ideal online marketplace that allows you to enjoy a hassle-free personal loan online journey. Yes, you simply need to fill a query form and submit the required documents, the rest this digital lender will do. The process starts by doing a complete credit assessment of your profile, matching the eligibility and then providing the instant approval and disbursal to cater to your varied needs. Thus, Quikkloan is the best place for an ICICI bank online personal loan application.


Let’s just take an example and try to understand the calculation for a loan amount of Rs.5 lakh taken for a tenure of 5 years at an interest rate of 11.25% per annum.  



Table Showing EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

Loan Amount (in Rs.) Interest Rate(per annum) Tenure (in Years) EMI (in Rs.) Total Interest Amount(in Rs.) Total Amount=Principal +Interest (in Rs.)
5,00,000 11.25% 1 44,249 30,990 5,30,990
5,00,000 11.25% 2 23,362 60,688 5,60,688
5,00,000 11.25% 3 16,429 91,430 5,91,430
5,00,000 11.25% 4 12,984 1,23,210 6,23,210
5,00,000 11.25% 5 10,934 1,56,019 6,56,019



Table Showing Principal, Interest, and Balance Amount

Year Principal (in Rs.) Interest(in Rs.) Balance Amount(in Rs.)
1 78,942 52,262 4,21,057
2 88,295 42,908 3,32,762
3 98,757 32,447 2,34,005
4 1,10,458 20,745 1,23,546
5 1,23,648 7,657 0

Type of Personal Loan

Basically, a personal loan is a multi nature in use. it can be used for the following purposes. An instant personal loan in ICICI can be availed for a variety of reasons. ICICI offers different types of personal loans to meet the multiple needs of the people. 


To cover all the wedding expenses, the ICICI wedding loan is here. The bank offers the loan with many perks and privileges to choose from. If we talk more about the same, and ICICI marriage loan interest rate 2020 is 11.25% per annum. 


Features and Benefits:

    • Interest rates starting from 11.25% p.a
    • Avail loan of amount up to Rs. 20 lakh
    • Minimal documentation
    • No security/collateral required

Renovate your home without worrying about the expenses as ICICI is here to give your home a beautiful makeover.


Features and Benefits:

  • Personal Loan rate of interest starting at 11.25%
  • Avail loan of amount up to Rs.20 lakh
  • Minimal Documentation
  • No security/collateral required
  • Quick processing and disbursal – Money gets credited into your account in 72 hours

Be it a solo holiday or a trip with family or friends, the ICICI Holiday loan caters to the needs of all. The loan can easily be availed to meet all your travel expenses. 


Features and Benefits:

  • Interest rate starting from 11.25% p.a.*
  • Avail loan up to Rs. 20 lakh
  • Simplified documentation
  • No security/collateral required
  • Quick processing and disbursal.


If you have just started working and your first salary has just come, you are also eligible to apply for a personal loan of up to Rs.1,50,000


Features and Benefits:

  • No security / collateral required
  • Attractive Rate of Interest
  • Avail loan of amount up to Rs. 1,50,000
  • Simplified documentation
  • Funding avail from age of 21 years
  • Quick processing and disbursal

NRIs can also avail a personal loan without any hassle as ICICI offers NRI Personal loan with instant approval and disbursal. 


Features and Benefits

  • No security/collateral required
  • Avail loan up to ₹ 10 lakh
  • Simplified documentation
  • Interest rates starting from 15.49% p.a.*
  • Applicant to be a resident Indian and the co-applicant NRI to be a close relative
  • Tenure up to 36 months
  • Quick processing and disbursal

Need extra funds to support your existing personal loan? Apply for ICICI Top Up Personal loan online. You can either combine it with an existing personal loan or treat it as a separate loan. 

  Features and Benefits:

  • No security / collateral required
  • Simplified documentation
  • Interest rates starting from 11.25% p.a.
  • Quick processing and disbursal

ICICI Personal Loan Customer Care Number

Get in touch with the customer care executives at 1800 102 4242. Dial this toll-free number to solve your queries related to your personal loan. The executives are available between 9 am to 6 pm from Monday to Friday for proper support and guidance. 


What is the maximum personal loan amount I can get?

A borrower can avail a personal loan up to Rs. 20 Lakh to fulfill various requirements.

Are there any charges applicable on ICICI personal loan?

 Borrower needs to pay a one-time processing fee of up to 2.50% of the loan amount+GST is applicable at the time of availing a loan. Whereas, the prepayment charges of up to 5% of the principal outstanding +GST is applied on pre-closing the loan before the set tenure. 

Does ICICI offer pre-approved personal loans?

Yes, ICICI Bank does offer pre-approved personal loans to select customers. These are limited time offers and usually feature predefined loan amounts and limits.


How much time is taken for the approval of personal loan?

After submitting the completed loan documents, the loan can be approved and disbursed within 5-6 working days. However, disbursal time may differ subject to various factors.

Is ICICI offers Balance Transfer Facility for Personal Loan?

Yes, ICICI offers a balance transfer facility on a personal loan. A borrower can opt for a balance transfer after paying 12 EMIs in ICICI. 

What is the maximum tenure for ICICI Personal loan?

The bank offers a personal loan for a maximum repayment tenure of up to 5 years.

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