Personal Loan Interest Rates 202014892 views
Highlights
- Avail ICICI Personal Loan at an Attractive Interest Rate
- Reduce Your Loan Burden and Save More on Your EMI and Interest Outgo
Don’t know which bank gives the lowest interest rate for a personal loan? If yes, this page is for you. Want to avail a personal loan that comes with an attractive interest rate of 10.99% per annum? Yes, it is absolutely true! ICICI Personal Loan Interest Rates being lowest, allow you to enjoy the affordable EMIs, hence reduce your loan burden. If you are curious to know more, just go through the page further.
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Table of Contents
- 1 ICICI Personal Loan Interest Rate January 2020
- 1.1 ICICI Interest Rates for Salaried Corporates
- 1.2 Special Group Offer
- 1.3 Special Industry Offer
- 1.4 Special Government Offer
- 1.5 Fees & Charges on ICICI Personal Loan
- 1.6 ICICI Bank Personal Loan Balance Transfer Interest Rate
- 1.7 ICICI Bank Personal Loan EMI Calculator
- 1.8 ICICI Personal Loan Customer Care Number
- 1.9 ICICI Personal Loan Status
- 1.10 ICICI Personal Loan Eligibility
ICICI Personal Loan Interest Rate January 2020
To get more insights on the personal loan interest rates, just go through the table below.
| Particulars | Details |
|---|---|
| Interest Rate | 10.99% - 18.49% |
| Loan Amount | Up to ₹ 40 Lakh |
| Tenure | 5 Years |
| Processing Fees (Non-Refundable) | ₹ 999 to 2.25% of the loan amount + GST |
| Prepayment Charges | 5% of principal outstanding + 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: Current GST applicable is 18.00% with effect from July 01, 2017.
ICICI Interest Rates for Salaried Corporates
| Corporate | Salary Band | Special Corporate Offer (ICICI Bank Relationship) | Special Corporate Offer (Non ICICI Bank Relationship) | Processing Fee ((ICICI Bank Relationship) | Processing Fee ((Non ICICI Bank Relationship) |
|---|---|---|---|---|---|
| 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% |
Special Group Offer
| Corporate | Salary Band | Special Corporate Offer (ICICI Bank Relationship) | Special Corporate Offer (Non ICICI Bank Relationship) | Processing Fee ((ICICI Bank Relationship) | Processing Fee ((Non ICICI Bank Relationship) |
|---|---|---|---|---|---|
| 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 |
Special Industry Offer
| Corporate | Salary Band | Special Corporate Offer (ICICI Bank Relationship) | Special Corporate Offer (Non ICICI Bank Relationship) | Processing Fee ((ICICI Bank Relationship) | Processing Fee ((Non ICICI Bank Relationship) |
|---|---|---|---|---|---|
| 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% |
Special Government Offer
| Corporate | Salary Band | Special Corporate Offer (ICICI Bank Relationship) | Special Corporate Offer (Non ICICI Bank Relationship) | Processing Fee ((ICICI Bank Relationship) | Processing Fee ((Non ICICI Bank Relationship) |
|---|---|---|---|---|---|
| Government-Diamond | NTH >/= 75 K | 11.29% | 11.29% | 1.50% | 1.50% |
| 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% |
Fees & Charges on ICICI Personal Loan
- Prepayment of the loan is possible any time during the loan tenure subject to payment of standard pre-closure charges of 5%+GST
- Prepayment charges (if any) will be waived off if the customer has paid 12 or more EMIs
- Prepayment charges are not applicable in case of balance transfer
ICICI Bank Personal Loan Balance Transfer Interest Rate
There is a balance transfer facility for personal loans at ICICI Bank. The interest rates of personal loan balance transfer are low and are available if you have paid 12 EMIs in your existing bank. With the help of availing BT, you can save a lot on your EMIs and Interest, hence can further invest that saving in the future. By transferring your existing loan in ICICI, you can not only enjoy the lower rates but can also get the benefit of pocket-friendly EMIs.
ICICI Bank Personal Loan EMI Calculator
With the help of a personal loan EMI Calculator online knowing your EMIs is no more a hassle. This smart and magical tool allows you to know the exact calculations of your EMIs, Interest and Total Amount Payable in just a few seconds. The device after taking into account-Loan Amount, Interest Rate and Tenure give you the accurate results in the just a few seconds so that you can take a calculative and smart decision in the future. This is the reason that why it is widely used by all the borrowers as it helps in clearing all the confusion by letting you know whether your EMIs are pocket-friendly or not so that you can take a calculative decision in the future.
ICICI Personal Loan Customer Care Number
Just dial 1800 200 3344 from your mobile or landline in order to get in touch with the bank. The bank executives with their expertise and knowledge are always there to solve all your queries and complaints 24×7. No matter what complex query, concern or complaint you have, the highly experienced and professional team members listen to your problem first and then give you the best solution/advice regarding the same. With their friendly nature and expertise, these professionals are always there to help and guide you, making your journey a hassle-free experience.
ICICI Personal Loan Status
If you are curious to know the real-time status of your ICICI Personal Loan, don’t worry as everything can easily be done online. That’s Right! In just a few seconds, you can know the actual status of your personal loan application as all you need to do is simply login to your ICICI Account. Yes, just log-in to your account to know whether your loan application is approved, pending or rejected. It is that easy and fast!
ICICI Personal Loan Eligibility
There are certain eligibility norms that you need to know before availing this credit facility. The bank usually calculates the eligibility of an applicant after taking into account many factors such as age, income, credit score, job stability, work experience, etc. If an individual meets the criteria mentioned above, it would be a smooth journey for him to get the loan. However, different banks have different eligibility norms. So before you apply for a loan, check the norms set by a lender so as to avoid the last minute hassle.
