ICICI Bank was promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned subsidiary. ICICI Bank is the India's largest private sector bank with total assets of Rs. 6,461.29 billion (US$ 103 billion) at March 31, 2015 and profit earned after tax Rs. 111.75 billion (US$ 1,788 million) for the year ended March 31, 2015. ICICI Bank currently has a network of 12,826 ATM's and 4,050 Branches in India.

CreditNation Provides an online platform facility for everyone to apply for loans and credit cards for ICICI Bank. Customers get maximum benefits at CreditNation while applying for ICICI Financial Products.

Personal Loan

Thinking about dreaming of a vacation, a great perfect wedding, home renovation or a much desired gadget or electronic device, CreditNation is here to realize your dreams. Make the life perfect with ICICI Bank Personal Loans.


  • No security, no collateral
  • Loan payable in easy instalments
  • Multi-purpose loan
  • Fixed rate of Interest, Interest charged on monthly reducing basis
  • Flexible tenures up to 60 months
  • Repayment through Auto-debit / ECS / PDC

End use of the ICICI Personal Loan can be House renovation, Holidays spending, Purchase of consumer durables, Education, Marriage, Short Term loan for electronic device or equipment purchase, Short Term Working Capital and any other personal emergency.

Benefits of ICICI Bank Personal Loan

  • Direct credit of the loan amount through Fund Transfer (FT)
  • Simple repayment options of ECS, AD or PDC. You can also choose duration as per your choice and tenure starts from minimum 12 months to maximum 60 months
  • Interest rate remains unchanged throughout the loan tenure
  • Simple documentation - It can be accessed with minimal paperwork and documentation and doesn’t take much time.
  • Quick processing

Personal Loan Online application on CreditNation platform with a built in calculator to know eligibility in less than 1 minute and an EMI Calculator tool to select your offer before you apply. Get personal loan up to Rs. 20 lakh for salaried people, up to Rs.30 lakh for self employed people and up to Rs.40 lakh for doctors or highly paid professionals. We offer flexible repayment option of 12 to 60 months.

Interest Rates

Attractive rate of interest as low as 13.00%* on personal loan.

Personal Loan Eligibility

You can avail an ICICI Bank Personal Loan if you meet the following criteria:

Criteria* Salaried
Age 23 years - 58 years.
Net Salary** Salaried individuals with minimum monthly income Rs.17,500 (Rs.25,000 for applicants residing in Mumbai & Delhi; Rs.20,000 for applicants residing in Chennai, Hyderabad, Bangalore, Pune & Kolkata)
Total years in job/profession 2 Years
Years in current residence 1 Year

**The minimum salary requirement will differ depending on the profile (Type of employer, having relationship with ICICI Bank etc.) of the customer.

Criteria* Self Employed
Age 28 years (self employed individuals) and 25 years (for doctors); Maximum age - 65 years
Minimum Turnover Rs. 40 lakh for non-professionals; Rs. 15 lac for professionals; as per audited financials
Minimum Profit After Tax Rs. 2 lac for Proprietorship Firm/Self employed Individuals and Rs. 1 lac for non-professionals as per audited financials
Business Stability In current business for at least 5 years and minimum 3 years for doctors
Existing relationship with ICICI Bank Minimum 1 year liability relationship (current or savings account) or Asset relationship (loan) either live or closed in the last 36 months; repayment track as required

Credit Cards:

ICICI Bank offers a selection of cards to perfectly complement your distinct lifestyle needs. Choose one today!

The Gemstone Collection
  • Lifestyle benefits: Discounts on dining and movies
  • Travel benefits: Complimentary airport lounge access
  • Cash rewards on all your spends
Contactless Payment Card
  • Quick and secure payments at retail outlets with just a tap of the card
  • 2X rewards on dining & supermarkets
  • Buy 1 get 1 free movie ticket & discounts on dining
  • Cashback on your fuel spends
  • Accelerated rewards on fuel spends
  • Fuel surcharge waiver
  • Earn JP miles/Avios on all your spends
  • Complimentary lounge access
  • Redeem JP miles/Avios against free flights or upgrades
Unifare Metro Cards
  • Dual benefits of Metro Smart card and a credit card
  • Discount on Metro fare
  • Auto Recharge facility on your Metro Smart Card Chip