ICICI Bank advertises a personal loan from 9.99% p.a. The bank can charge up to 16.50% for this product — the advertised figure is a starting rate, not an offer.
| Advertised rate | 9.99% p.a. onwards |
|---|---|
| What it means | ICICI Bank can charge up to 16.50% for this product. The advertised figure is a starting rate, not an offer. |
Updated 17 Sep 2026 · Lender rate pages, checked individually
The rate
| Advertised rate | Maximum rate | Terms | Processing fee |
|---|---|---|---|
| 9.99% | 16.50% | Up to 6 years | Up to 2% + taxes |
Updated 17 Sep 2026 · Lender rate pages, checked individually
ICICI Bank advertises from 9.99% and can charge up to 16.50% for this product — a range of 6.51%. Where you land is set by your credit score, your income type and your existing obligations, not by bargaining. That spread is far wider than on a secured loan, which is why the factors affecting your credit score matter more here than anywhere else on a rate card.
How it compares
Joint cheapest of the 8 providers we track, level with HDFC Bank, Axis Bank and IDFC First Bank at 9.99%. The full ladder is in our personal loan interest rates table, and the rest of this lender’s personal loan detail — fees, eligibility and EMI — sits on the ICICI Bank personal loan page.
Over a six-year tenure, 6.51% of spread is a large number in rupees. The EMI calculator shows what each end of that range costs on the amount you actually want to borrow. The bank’s other products are on our ICICI Bank page.
Terms change without notice. Confirm the current figures with ICICI Bank before you act.
Related reading
ICICI Bank Personal Loan EMI Calculator
What an ICICI Bank personal loan costs a month at both ends of the published range.
17 Sep 2026 · 1 min
ICICI Bank Personal Loan Fees and Charges (2026) — The Full List
The ICICI Bank personal loan processing fee as published, plus the 18% GST charged on top of it.
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