Private BankPersonal loan

ICICI Bank personal loan interest rate

The advertised floor against the published ceiling — a far wider spread than a secured loan.

The rate

Advertised rate	Published ceiling	Terms	Processing fee
10.45%	16.50%	Up to 6 years	Up to 2% + GST

Data as of 15 Aug 2026Source: Lender rate cards and published comparisons, August 2026Pending issuer verification

ICICI Bank advertises from 10.45% and publishes a ceiling of 16.50% for this product — a spread of 6.05%. Where you land is set by your credit band, loan-to-value and income profile, not by negotiation.

How it compares

3rd cheapest of the 8 providers we track, 0.46% above HDFC Bank at 9.99%.

All personal loan rates →All ICICI Bank personal loan detail →

Terms change without notice. Confirm the current figures with ICICI Bank before you act.