निजी क्षेत्र का बैंक (Private Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Within 3 seconds for pre-approved; 24 to 48 hours for fresh applications.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

आईसीआईसीआई बैंक पर्सनल लोन

ICICI Bank personal loan for salaried borrowers up to ₹50 Lakhs with instant digital approval.

ऋण राशि सीमा₹50,000 to ₹50,00,000

ब्याज दर (APR)10.65% - 19.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 72 months

प्रोसेसिंग शुल्कUp to 2.50% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

ICICI Bank's standard unsecured multi-purpose personal loan offering high loan quanta up to ₹50 Lakhs for salaried individuals, featuring instant online pre-approval and swift disbursals.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹50 Lakhs for major medical, wedding, or relocation costs • Completely paperless application process via iMobile Pay • Repayment tenure up to 6 years (72 months) • 100% digital sanction letter generated within minutes.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried employees in private limited companies, MNCs, Central/State Govt, and PSUs. Min Age: 23, Max Age: 58. Min Net Monthly Salary: ₹30,000. Min CIBIL: 730.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 12 EMIs: 3% of principal prepaid + GST; foreclosure fee 3% of principal outstanding + GST.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN Card, Aadhaar Card, Passport • Employment Proof: Employee ID card, appointment letter • Financial Proof: Last 3 months payslips, latest Form 16 • Bank Statements: Last 6 months bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Mandatory 12-month lock-in on prepayment and foreclosure. • 3% foreclosure fee applies across entire loan duration post-lock-in. • Disbursed with optional loan protection insurance that adds upfront premium to loan balance unless unchecked. • Broken period interest debited from disbursement to first EMI.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open iMobile Pay app > Loans > Personal Loan. 2. Review pre-qualified offer, select tenure, and complete Aadhaar OTP e-sign. 3. Disbursed instantly.

2. नए ग्राहक (ऑनलाइन):

1. Visit icicibank.com > Personal Loans. 2. Submit mobile number, employer name, and net salary. 3. Verify salary via Account Aggregator or upload bank statements. 4. Complete video KYC and digital agreement.

3. बैंक शाखा में जाकर:

1. Visit nearest ICICI Bank branch. 2. Submit physical form, 3 months salary slips, Form 16, and bank statements. 3. Verification completed in 24 to 48 hours.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan tenure in ICICI Bank?

Up to 72 months (6 years) for salaried applicants.

Can I prepay part of my loan?

Part-prepayment is allowed only after payment of 12 full EMIs, subject to a 3% fee on the prepaid amount.

Is insurance compulsory?

No, loan protection insurance is optional and not mandatory for loan approval.