ICICI Bank (loans) vs Indian Bank (loans): which is better? Comparison 2026
By our public methodology ICICI Bank (loans) scores 80 out of 100 and Indian Bank (loans) scores 78. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| ICICI Bank (loans) | Indian Bank (loans) | |
|---|---|---|
| Licence | 100 | 100 |
| Transparency | 80 | 80 |
| Cost | 50 | 51 |
| Service | 83 | 63 |
Pros and cons
ICICI Bank (loans)
- 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
- An arrangement fee can apply
- A charge can apply to early repayment
Indian Bank (loans)
- 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
- An arrangement fee can apply
Facts side by side
| Fact | ICICI Bank (loans) | Indian Bank (loans) |
|---|---|---|
| Licensed since | 1994 icici.bank.in | 1907 indianbank.bank.in |
| Licensed by the regulator | Yes rbi.org.in | Yes rbi.org.in |
| Published rate, % of country reference | 100% icici.bank.in | 99% indianbank.bank.in |
| Free early repayment | No icici.bank.in | Not verified |
| No arrangement fee | No icici.bank.in | No indianbank.bank.in |
| Fees or terms published | Yes icici.bank.in | Yes indianbank.bank.in |
| Complaints procedure | Yes icici.bank.in | Yes indianbank.bank.in |
| Online application for new customers | Yes icici.bank.in | Yes indianbank.bank.in |
| Support hours a week | 168 h icici.bank.in | Not verified |
| Maximum amount, % of country reference | 100% icici.bank.in | 100% indianbank.bank.in |
| Longest term | 84 mo icici.bank.in | 84 mo indianbank.bank.in |