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Icici Bank Personal Loan Details With Interest Rate

Kindly Check Complete Details For Icici Bank Personal Loan.

Icici Bank
Personal Loan
50K - 20Lac
upto 60 mnths
Full Details for Icici Bank Personal Loan
Service Charges & Fees for Personal Loans

Enclosed find the service charges for an ICICI Bank Personal Loan

  • Prepayment of the loan is possible any time during loan tenure subject to payment of standard pre-closure charges of 5% + GST
  • The waiver, if any, of the prepayment charges will be applicable provided:
    • The customer has paid 12 or more EMIs and
    • The pre-payment of the loan is done using customer’s own funds (Waiver on pre-payment charges is not applicable in cases of balance transfer)
  • Facility of part pre-payment is not available.
Description of Charges Charges applicable
Loan Processing Charges / Origination Charges (Non-Refundable) Upto 2.25% per annum of loan amount plus GST
Prepayment Charges 5% per annum of principal outstanding plus 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


  • GST and other govt. taxes, levies, etc. applicable as per prevailing rate will be charged over and above these charges at the discretion of ICICI Bank ltd.
  • The charges or fees given in above table are subject to change and the one recorded in agreement will be binding over this site.
  • ^Effective for loans availed from August 1st, 2009. For loans availed prior to the said date, the cheque return charge is ? 200 + applicable GST
  • Current GST applicable is 18.00% with effect from July 01, 2017.

Interest Rate Range for Personal Loans for period January 2017 March 2017:

Type of credit facility Max Min Mean
Personal Loan Interest Rates 22% 11% 14.19%


  • It includes various categories like loan amount, customer relationships, type of corporate/business, etc
  • It excludes subsidy, government schemes
  • Mean rate = Sum of rate of all loan accounts / Number of all loan amounts

List of documents for Salaried

  • Proof of Identity:- Passport / Driving License / Voters ID / PAN Card (any one)
  • Proof of Residence:- Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).
  • Latest 3 months Bank Statement (where salary/income is credited).
  • Salary slips for last 3 months.
  • 2 Passport Size photographs.

List of documents for Self-Employed

  • KYC Documents : Proof of Identity; Address proof; DOB proof.
  • Proof of Residence:- Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).
  • Income proof (audited financials for the last two years).
  • Latest 6 months Bank statement.
  • Office address proof.
  • Proof of residence or office ownership.
  • Proof of continuity of business.
*Conditions apply
*ICICI Bank reserves the rights to call upon additional documents at its discretion.

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