ICICI Bank is one of India's largest private banks with a fully digital loan journey on the iMobile app. Personal loans go up to ~₹50 lakh; home, car, education and gold loans complete the stack.
Indicative ICICI Bank interest rates (August 2026)
| Loan Type | Indicative Rate (onwards) |
|---|---|
| Home Loan | ~9.1% p.a. |
| Personal Loan | ~10.99% p.a. |
| Car Loan | ~9.15% p.a. |
| Education Loan | ~9.2% p.a. |
| Gold Loan | ~8.9% p.a. |
| Business Loan | ~12.5% p.a. |
| LAP Loan | ~10.0% p.a. |
Eligibility (typical)
Salaried: 21–60 years, CIBIL 750+ for best rates. Personal loan amount typically 3–5× annual salary. Self-employed need ITR + business stability.
Application process
Apply on iMobile or icicibank.com → instant eligibility → upload documents + video KYC → verification call → sanction + e-sign → disbursal (1–3 days; instant for pre-approved).
Tips before you apply
Pre-approved personal loans for salary accounts disburse in minutes. Check the all-inclusive rate (interest + fees), not just the 'onwards' rate. Balance transfer + top-up works online for home loans.
Frequently Asked Questions
A> Up to ₹50 lakh (indicative), with tenure up to 6 years. Pre-approved and salary-account customers get instant disbursal.
A> Online — apply on the ICICI website/app, and you can include a top-up loan on top of the transferred amount if the property value supports it.
A> Yes — education loans cover tuition, living costs and travel for overseas studies, with repayment starting after the course.
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