ICICI Personal Loan Interest Rates

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Want to apply online for ICICI Personal Loan but don’t know the interest rates offered by the bank? Well, the personal loan interest rates of ICICI are as low as 10.99%, allowing you to save more on your EMIs and Interest. To know more about the rates just go through the page further.

ICICI Personal Loan Interest Rate Details

ParticularsDetails
Interest Rate10.99% - 18.49%
Loan AmountUp to ₹ 40 Lakh
Tenure5 Years
Processing Fees (Non-Refundable)₹ 999 to 2.25% of the loan amount + GST
Prepayment Charges5% of principal outstanding + GST
Additional Interest on late payment24% 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 CorporatesNTH >/= 35 K10.99%10.99%0.99%0.99%
Emerald CorporatesNTH < 35 K11.49%11.49%1.25%1.25%
Diamond CorporatesNTH >/= 35 K10.99%10.99%0.99%0.99%
Diamond CorporatesNTH < 35 K12.49%12.49%1.25%1.25%
Pearl CorporatesAll Bands13.99%14.75%0.99%1.25%
Ruby CorporatesAll Bands15.50%15.75%1.50%1.75%
Topaz CorporatesAll Bands15.50%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 GroupAll Bands12.99%12.99%0.75%0.75%
ICICI Group EmployeesAll Bands11.75%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)
BFSIAll Bands13.99%13.99%0.99%0.99%
PharmaAll Bands13.99%13.99%1.25%1.25%
Private BanksNTH >/= 75 K12.75%12.75%₹2,999/-₹2,999/-
Private BanksNTH 35K - 75K12.99%12.99%₹ 2,999/-₹2,999/-
Private BanksNTH <35 K13.49%13.49%₹2,999/-₹2,999/-
PSU BanksNTH >/= 50 K13.25%13.25%1.49%1.49%
PSU BanksNTH 35K - 50K14.70%14.70%1.49%1.49%
PSU BanksNTH <35 K15.75%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-DiamondNTH >/= 75 K11.29%11.29%1.50%1.50%
Government-PearlNTH 35K - 75K11.50%11.50%1.50%1.50%
Government-RubyNTH <35 K13.50%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 gives you the accurate results in the best manner.

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.

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!

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Bajaj Finserv 10.99% - 16.00%
Fullerton India 14.00% - 33.00%
HDFC Bank 10.99% - 20.99%
ICICI Bank 10.99% - 18.40%
IndusInd Bank 10.99% - 16.00%
Kotak Bank 10.99% - 20.99%
RBL 13.00% - 18.00%
Standard Chartered Bank 11.49% - 14.49%
Tata Capital 10.99% - 18.00%
Home Loan Interest Rates April 2018
State Bank of India/SBI 8.35% - 8.90%
HDFC 8.40% - 9.35%
Bank of Baroda 8.30% - 9.30%
LIC Housing 8.45% - 8.90%
PNB Housing Finance 8.40% - 8.99%
ICICI Bank 8.35% - 8.85%
Axis Bank 8.40% - 8.75%
Citibank 8.40% - 9.25%
Indiabulls Housing Finance Limited 8.45% - 9.75%
Kotak Bank 8.35% - 8.50%
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