ICICI Bank (loans): verified facts and rating
Licensed since: 1994 Checked 2026-10-31
Score breakdown
100% backed by facts · How we rank
ICICI Bank (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference99%110%100% · median 100%
Support hours a week168 h168 h168 h · median 168 h
Maximum amount, % of country reference30%200%100% · median 100%
Longest term60 mo84 mo84 mo · median 84 mo
ICICI Bank (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1994 ICICI Bank was incorporated in 1994 as a part of the ICICI group. | icici.bank.in | 2026-10-31 |
| Licensed by the regulator | Yes List of Scheduled Commercial Banks (SCBs) · Domestic Private Sector Banks · 9. ICICI Bank Limited | rbi.org.in | 2026-10-31 |
| Published rate, % of country reference | 100% Personal Loan interest rates start from 9.99%* p.a. and may vary based on the loan amount, applicant’s profile, employment type and existing relationship with the bank. · APR 9.99% · index 100 = 9.995% (median at launch) | icici.bank.in | 2026-10-31 |
| Free early repayment | No Prepayment charges or foreclosure charges. a. 3% on principal outstanding amount. | icici.bank.in | 2026-10-31 |
| No arrangement fee | No Loan processing charges (non-refundable). Up to 2% of the loan amount. | icici.bank.in | 2026-10-31 |
| Fees or terms published | Yes Personal Loan Processing Fees and Charges: processing fees, service-related charges, part-payment charges, prepayment or foreclosure charges and penal charges | icici.bank.in | 2026-10-31 |
| Complaints procedure | Yes ICICI Bank Online Complaint Process & Customer Support Services; Complaints; Lodge A Complaint | icici.bank.in | 2026-10-31 |
| Online application for new customers | Yes Apply for a Personal Loan. Enter a few details below to get started with your personal loan application. | icici.bank.in | 2026-10-31 |
| Support hours a week | 168 h ICICI Bank customer care. Connect with us 24/7 from anywhere. 1800 1080 (Toll Free) | icici.bank.in | 2026-10-31 |
| Maximum amount, % of country reference | 100% Apply for Personal Loan online up to ₹50 lakh · max 5000000 INR · index 100 = 5000000 INR (median at launch) | icici.bank.in | 2026-10-31 |
| Longest term | 84 mo flexible tenure up to 84 months | icici.bank.in | 2026-10-31 |
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