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Many types of loans

Personal Loan

Home Loan

Car Loan

Education loan

Loans Against Securities

Loan Against Shares

Loan Against Mutual Funds

Loan Against Property

Gold Loan

Two-wheeler Loan

Cardless EMI

Consumer Finance

Commercial Business Loan

Healthcare Equipment Loans

Pradhan Mantri Mudra Yojana (PMMY)

Stand-Up India Scheme

Find Loan as per your need

About Loans

Eligibility for Loan Schemes

Applicants must be Indian residents. Criteria vary by loan type, such as income proof, age (21–65 years), and in some cases, caste or Udyam registration.

Documentation Requirements

Submit KYC documents (Aadhaar/Voter ID), PAN card, income certificate, project report, and other scheme-specific paperwork. Udyam Certificate is mandatory for MSE classification.

Transparent Fees & Charges

Processing fee is 2% (plus tax) for loans above ₹25,000. Interest rate is fixed at 16.85% p.a. No charges for foreclosure, penalty, or cheque bounce.

Government Loan Benefits

Loans under PMMY and Stand-Up India are collateral-free, designed for micro units and first-time entrepreneurs. Schemes offer support from ₹10 lakh up to ₹1 crore.

FAQ's

What types of loans does ICICI Bank offer?

ICICI Bank provides a wide range of loans including Home Loans, Personal Loans, Car Loans, Education Loans, Loan Against Property, Gold Loans, and Business Loans under Government schemes like PMMY and Stand-Up India.

How can I apply for a loan online with ICICI Bank?

You can apply online through the ICICI Bank website or iMobile app. For selected loans, you can get instant e-approval with minimal documentation and a fully digital process.

Are there any foreclosure or penalty charges?

No, ICICI Bank does not charge any foreclosure fees or penalty charges on most loans, making repayment flexible and stress-free.

What is the interest rate and processing fee structure?

Interest rates vary by product but government-sponsored schemes may offer a fixed rate (e.g. 16.85% p.a.). Processing fee for loans above ₹25,000 is 2% of the loan amount plus applicable taxes.

What documents are needed to apply for Government loan schemes?

Basic KYC, PAN (if available), income certificate, caste/education certificates (if applicable), Udyam registration, and a proposed project report are required for schemes like PMMY and GSS.

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