ICICI Personal Loan 2025, Interest Rates, Eligibility, Document, Loan Payment, Loan Status , Disbursement Time, Loan Foreclosure Charges, Customer Care, Apply Online The personal loans offered by ICICI Bank in 2025 cater to a variety of financial needs, including weddings, travel, medical emergencies, or debt consolidation. The loan repayment options are flexible, with interest rates beginning at 10.25% per annum, and loan amounts ranging from ₹50,000 to ₹40 lakhs, based on the applicant’s eligibility. It has a very smooth application process and allows customers to check their eligibility and apply online through the website or mobile app of ICICI Bank.
Borrowers can avail of instant loan disbursement, minimal documentation, and no collateral requirement. The repayment tenure ranges from 12 to 72 months, so borrowers can choose a plan according to their financial capacity. ICICI also offers pre-approved loan options for existing customers, which makes the process even easier. Review the terms and conditions carefully before applying to ensure that it aligns with your financial goals.
ICICI Personal Loan 2025 Interest Rate
| Category | Interest Rate (per annum) |
| Salaried Individuals | 10.25% to 18.00% |
| Self-Employed Individuals | 11.00% to 19.00% |
| Pre-Approved Personal Loans | 10.00% to 14.00% |
| Balance Transfer Loans Starting from | 10.25% |
ICICI Personal Loan 2025 Eligibility
Here are the key eligibility criteria for ICICI Personal Loan 2025:
| Age | Applicants must be between 21 and 60 years of age at the time of loan maturity. |
| Employment |
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| Income | Minimum monthly income of ₹20,000 is required (varies based on location and profession). |
| Credit Score | A good credit score (typically 750 or above) is crucial for approval and better interest rates. |
| Work Experience: |
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| Nationality | The applicant must be a resident Indian. |
| Bank Relationship | Existing ICICI Bank customers with a good track record are eligible for pre-approved loans. |
ICICI Personal Loan 2025 Required Document
Here are the documents needed for an ICICI Personal Loan 2025:
- Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.
- Address Proof: Aadhaar Card, Passport, Utility Bills, Rent Agreement, or Voter ID.
- Income Proof: Salaried (salary slips, bank statements), Self-employed (IT Returns, Profit & Loss Statement).
- Photograph: Passport-size recent photograph.
- Loan Application Form: Duly filled and signed application form.
- Additional Documents: As required by the bank.
ICICI Personal Loan 2025 Loan Payment
Here are the loan pay back options for ICICI Personal Loan 2025.
- EMI: In fixed monthly installments through auto-debit or through cheques.
- Flexible Tenure: Repayment tenure between 12 to 72 months.
- Prepayment Option: Partial or full repayment after six EMIs with applicable charges.
- Online Payment: Through ICICI Bank’s net banking or through their mobile application.
- NACH Facility: Auto EMI deductions through NACH.
- Penalty for Delayed Payments: Late payments attract 2% of the amount due on a monthly basis.
- No-Cost EMI Offers: Only available under some promotional schemes.
ICICI Personal Loan 2025 Loan Status
You can check the status of your ICICI Personal Loan 2025 through the following ways:
- Online Through Website: Log in to your ICICI account and visit the loan status section.
- Mobile Banking App: Check the status through the ICICI Bank Mobile App under the “Loans” tab.
- Loan Application Reference Number: Make use of the reference number provided on the loan status page.
- Customer Care: Call 1860 120 7777 and provide details about the loan for updates.
- Branch Visit: Visit the nearest ICICI Bank branch with your application details.
- Email Support: Contact ICICI customer care via email for updates.
ICICI Personal Loan 2025 Disbursement Time
| Category | Disbursement Time |
| Pre-Approved Customers | Within a few hours (same day) |
| Salaried Individuals | 3 to 5 working days after document verification |
| Self-Employed Individuals | 5 to 7 working days after document verification |
| Online Loan Applications | 1 to 3 working days (if documents are verified promptly) |
ICICI Personal Loan 2025 Loan Foreclosure Charges
Here are the ICICI Personal Loan 2025 Loan Foreclosure Charges.
- Foreclosure after 6 EMIs: 3% of the remaining loan amount.
- Foreclosure Prior to 6 EMIs: 4% of the balance loan amount.
- Part Pay Charges: 2% of the paid sum against part payment.
- No foreclosure charges on loans under special schemes or offers.
ICICI Personal Loan 2025 Customer Care
Here are some customer care contacts for ICICI Personal Loan 2025-
- Helpline: Dial 1860 120 7777 for loan services.
- Email Support: Send an email to [email protected].
- Chat Support: Look for the live chat feature found on the website or mobile app.
- Branch Visit: Visit the nearest ICICI Bank branch for support.
- SMS Service: Send a message to 5676766 for updates and support.
ICICI Personal Loan 2025 Apply Online?
Here are the steps to apply for ICICI Personal Loan 2025 online:
- Visit the Official Website: Go to the ICICI Bank official website icicibank.com.
- Select Personal Loan Option: Choose “Personal Loan” from the “Loans” section.
- Check Eligibility: Use the online eligibility calculator to see if you qualify.
- Fill the Application Form: Complete the online form with your details.
- Submit Documents: Upload necessary documents like ID, address, and income proof.
- Review and Apply: Check your details again, then submit.
- Check Application Status: Check online for the status of your loan after submission.
Important Links
| ICICI Personal Loan 2025 Apply Link | Click Here |
| Official Website | Click Here |
| Homepage | Click Here |