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Build the house you have been thinking of. Buy the car of your dreams. Take that long-pending vacation. Get your children enrolled in the top schools. Do all this and more with loans from ICICI Bank. We offer a wide variety of loans to suit each one of your requirements. Take a look at the products we offer and see for yourself how versatile our range of loans is.
Cardless EMI
Buy your favourite gadget on EMI without carrying a wallet!
Home Loan
Getting a home loan from ICICI Bank is quick and easy. We have an accommodating eligibility criteria and we offer lower EMIs at attractive interest rates.
Click on the button below to get approved instantly*
Loan Against Property
Got a property that you can mortgage in exchange for a loan? Then you can avail ICICI Bank’s Loan Against Property (LAP) for your business or personal needs. Mortgage both residential and commercial properties and enjoy comfortable EMIs over long tenures going up to 15 years.
Click the button below to learn more.
Car Loan
With an extensive network of multiple channel partners in a number of locations, ICICI Bank is among the most preferred financiers for car loans in the country. Our tie-ups with the leading automobile manufacturers ensure that you get the best deals. Choose our car loans to enjoy flexible schemes, a simple application process and quick loan processing at the click of a mouse.
Click the button below to get approved instantly*
Personal Loan
What do you desire? A dream holiday? A destination wedding? Some home renovation, or the latest gadgets? Make all of these dreams come true with personal loans from ICICI Bank. We offer loans up to ₹50 lakh at interest rates starting from as low as 10.85%.
Click the button below to get approved instantly*
Consumer Finance
Why hold yourself back from getting your favourite gadgets when you have ICICI Bank’s Consumer Finance to back you up? Avail of this loan from us and get your hands on that device you’ve been eyeing or that consumer electronics product you need and pay for it in easy Equated Monthly Instalments (EMIs).
Click the button below to learn more.
Education loan
Perhaps you have just excelled in your exams and are looking for the right institute to enrol in. Maybe you’re planning to take a break from your career to study further. Or perhaps, you’re looking for the top universities for your children. Whatever be your reason, your search for the best educational institute must not be bogged down with worries about finance. Here’s where ICICI Bank’s Education Loans can help.
Click the button below to apply for a loan now.
Gold Loan
Avail a loan against gold and gold ornaments from ICICI Bank and meet your emergency financial needs without any hassle. With this loan, you can obtain funds against your gold and gold ornaments without having to sell them.
Click the button below to apply for a loan now.
Loans Against Securities
Got some securities that you can use as a guarantee? Simply pledge these securities in favour of ICICI Bank and get an overdraft facility equivalent to the value of the securities pledged. It’s that simple and quick.
Click the button below to apply for a loan now.
Commercial Business Loan
ICICI Bank Commercial Business Loans offer complete banking solutions for all your financial needs. With our commercial vehicle loans, construction equipment loans, working capital solutions and customised current accounts, we offer the perfect range of financing options for your commercial needs.
Click the button below to apply for a loan now.
Healthcare Equipment Loans
ICICI Bank Healthcare Equipment Loans are designed to provide flexible, convenient loans to certified Doctors, Hospitals, Medical Research & Educational institutes, Diagnostic Centres and Nursing Homes towards the purchase of Medical Equipment.
Pradhan Mantri Mudra Yojana (PMMY)
Pradhan Mantri Mudra Yojana (PMMY) is a collateral-free loan up to ₹10 lakh, available for micro and small manufacturing and service units. Avail this scheme through ICICI Bank and give your business the boost it requires.
Stand-Up India Scheme
The objective of the Stand-Up India scheme is to facilitate bank loans between ₹10 lakh and ₹1 crore to Scheduled Caste (SC) or Scheduled Tribe (ST) borrowers and to borrowers who are women, for the purpose of setting up a greenfield enterprise (a first-time venture), in the manufacturing, services, or trading sector.
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Government Sponsored Schemes
ICICI Bank offers loans for income generating activities under various schemes launched by the Central Government and State Governments.
Under these schemes, the applicant can avail a loan to start his/her own business, which will help improve livelihood and uplift the standard of living.
Indicative list of documents that a customer needs to submit as a part of the Pre-sanction process (to avail a loan under GSS):
KYC documents as per the latest KYC guidelines (Aadhaar Card/ Voter ID)
PAN (if available)
Income Certificate (issued by a competent authority) (wherever applicable)
Caste Certificate (wherever applicable)
Education Certificate (wherever applicable)
Proposed project report
Udyam Certificate (if available)
Rental Agreement (for business premise)
Consent Agreement (for business premise)
Scheme-specific documents (if any)
Udyam Registration Certificate (URC) is mandatory to classify the loan under MSE* (subject to norm fulfilment)
*Timeline for credit decision for Micro & Small Enterprise (MSE) applications will be 14 days from the date of submission of the documents.
Click here for GSS- Loan Application Form
Click here for GSS- Loan Agreement
Click here for Annual Percentage Rate Calculator
Grievance redressal mechanism:
ICICI Bank follows a three-level grievance redressal mechanism.
Call us on our toll-free number 1800 200 3344 between 9.00 a.m. to 06.00 p.m.
OR
Raise a complaint through the below link: <https://nli.icicibank.com/NewRetailWeb/loadGrievanceFormOne.htm>
For a few schemes, the interest rates are specified by the Government, while the other schemes are offered at interest rates that are decided as per the pricing policy* of the Bank. Various charges levied by the Bank are as follows:
Interest rates, Charges and Fees
| Nature of charges | Details |
|---|---|
Processing Fee while disbursing loan above Rs 25,000 |
2% (plus applicable taxes) of the loan amount |
* Interest rate p.a. |
Fixed rate of 17.10% |
Stamp duty and other statutory charges |
As per applicable laws of the State |
CGTMSE^ Fee while disbursing the loan |
As per CGTMSE fee tax invoice |
^CGTMSE: Credit Guarantee Fund Trust for Micro and Small Enterprises
Penalty Charges
| Nature of charges | Details |
|---|---|
Penalty Charges |
Nil |
| Foreclosure fee | Nil |
| Bouncing charges applicable on non-servicing of Interest on or before due date | Nil |
| Charges incurred in filing legal suit in case of loan default | At actual (if applicable) |
| Professional charges (Lawyer Charges) in case of loan default | At actual (if applicable) |
| Non Maintenance of Mode of Payment charges (NMMP) | Rs 800 (if applicable) |
