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Loan

How can I prepay my Personal Loan as I am unable to visit branch?

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In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment. The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:

  • Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
  • Authorisation letter from main applicant.

Car Loan

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Please click any of the links below or type your query if you don’t see the right option.

What is the procedure to prepay my Personal Loan?

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For prepayment of your Personal Loan, please visit the nearest ICICI Bank Asset Servicing Branch. We request you to carry the following documents to complete the process:

  • Request Letter signed by the loan applicant
  • PAN Card (if the mode of payment is cash and the amount is more than Rs 50,000)
  • Payment can be made through cash, cheque or demand draft.

How can I foreclose my Car Loan / Two Wheeler Loan?

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To facilitate prepayment of your Car Loan / Two wheeler Loan , you are required to visit an ICICI Bank Asset Servicing (Retail asset operation group ) branch along with the below mentioned documents to complete the prepayment process:

  • Pre-payment Statement
  • Request letter signed by the loan applicant
  • Bank statement reflecting the clearance of the last installment
  • PAN Card (If the closing cash payment is more than Rs.50,000)
  • Vehicle Registration Certificate (R C Book Copy)
  • Vehicle Insurance Copy
  • Mode of payment can be cash, cheque or demand draft

Gold Loan

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Please click any of the links below or type your query if you don’t see the right option.

Can I pre-close or pre-pay my Business Instalment Loan (BIL)?

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Yes. You can pre-close or pre-pay your Business Instalment Loan (BIL) by paying the applicable pre-closure charges after payment of one Equated Monthly Instalment (EMI). Currently, the applicable pre-closure charge is 5% of the outstanding loan amount (plus applicable tax).

Who can avail Pradhan Mantri Awas Yojana Credit Linked Subsidy Scheme?

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The "Credit Linked Subsidy Scheme” (CLSS) under Pradhan Mantri Awas Yojana (PMAY) was announced by our Honourable Prime Minister Shri Narendra Modi. Under this scheme, interest subsidy on purchase/ construction/ extension/ improvement of house is provided to customers belonging to Economical Weaker Section (EWS)/Lower Income Group (LIG)/Middle Income Group (MIG). For eligibility the beneficiary family should not have received central assistance under the Mission “Housing for all by 2022”.

A beneficiary is defined as:

  • A family comprising of husband, wife and unmarried children
  • Beneficiary can also be an unmarried individual earning member of the family (only for MIG scheme).
  • Beneficiary should not own a pucca house either in his / her name or in the name of any member of his / her family in any part of India.
  • Beneficiary should not have received central assistance under the CLSS scheme
  • Meeting income criteria defined as per various categories under the scheme.

Can I partially repay the Gold loan amount?

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You can make part-payment, but the gold jewellery will be released only after the entire outstanding amount is repaid.

How do I update my mailing address, mobile number or e-mail ID registered under my loan account?

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You may update your mailing address, mobile number or e-mail ID with below:

  1. At any ICICI Bank branch:
    • Visit any ICICI Bank loan branch with a valid photo ID proof and submit an application.

How can I get my No Objection Certificate for two-wheeler loan?

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You can make a request for No Due Certificate (NDC) for your two wheeler loan through any of the following channels:

Internet Banking:
Login to www.icicibank.com with your User ID and Password--> Main Page --> Customer Service --> Service Requests --> Service Request search -- > Product --> Select Consumer Loan Related → Request for NOC/NDC Normal Maturity CL.

Customer Care:

You may call our Customer Care from your registered mobile number. To know the local Customer Care numbers, please click here

ICICI Bank branch:
Please visit the nearest ICICI Bank Asset Servicing Branch along with your valid ID proof. You may look for the nearest ICICI Bank Asset Servicing Branch on our website www.icicibank.com > Find ATM/Branch.

PMAY subsidy is applicable for what category of customer profiles?

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Pradhan Mantri Awas Yojana is available for Salaried as well as Self Employed

What is the loan amount that can be sanctioned?

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Based on your kind of business and your relationship with ICICI Bank, the final loan amount is decided.

To check your loan amount, please Click here

Can I close my home loan? What are the charges for prepaying my loan?

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The prepayment charges are as under:

  1. Nil for Home Loans and Home Improvement Loans with floating rate of interest.
  2. 2% plus applicable taxes on principal outstanding* on full repayment for Home Loans with fixed rate of interest.
  3. 2% plus applicable taxes on principal outstanding* on full repayment for Home Loan Top Up loan if the applicant or co-applicant is Non Individual.
  4. 4% plus applicable taxes on principal outstanding* where loan** is given to Non Individual borrowers or with fixed rate of interest to Individual borrowers. If the loan is sanctioned prior to March 1, 2011 then prepayment charges would be 2% plus applicable taxes.

*Current principal outstanding and all amounts tendered by the borrower towards prepayment of the Facility during the last one year from the date of final prepayment.

**Home Equity Loan/Home Equity Enhancement Loan, Office Premises Loan and Lease Rental Discounting Loan.

Are there any charges levied for late payment of interest?

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You will be charged a penal interest (as the case may be) at the rate of 6% per annum, over and above the normal rate of interest.

How can I know the outstanding balance of my two-wheeler loan account?

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You can know the balance outstanding of your two-wheeler loan account through the following channels:

Internet Banking:
Login to www.icicibank.com with your User ID and Password--> Main Page --> My Accounts --> Select Loans--> View Repayment Schedule / Amortization schedule --> Outstanding balance will be displayed here.

Customer Care:

You may call our Customer Care from your registered mobile number. To know the local Customer Care numbers, please click here

ICICI Bank branch:
Please visit the nearest ICICI Bank Asset Servicing Branch along with your valid ID proof. You may look for the nearest ICICI Bank Asset Servicing Branch on our website www.icicibank.com > Find ATM/Branch.

How can I check the status of my two-wheeler loan application?

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You can check the status of your two-wheeler loan application through the following channels:

Online process without login:
Visit www.icicibank.com --> Main Page --> Click on Products -->Loans--> Select any loan--> Check Loan Application Status

Customer Care:

You may call our Customer Care from your registered mobile number. To know the local Customer Care numbers, please click here

ICICI Bank branch:
Please visit the nearest ICICI Bank Asset Servicing Branch along with your valid ID proof. You may look for the nearest ICICI Bank Asset Servicing Branch on our website www.icicibank.com > Find ATM/Branch.

How do I approach ICICI Bank for a Car Loan?

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Can the facility be availed by pledging Gold Coins?

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You can avail ICICI Bank Gold Loan against the security of 24 carat gold coins issued by banks only (operating in India) with 99.99% purity. The weight of the gold coin(s) cannot exceed 50 grams per customer as per RBI policy.

 

 

Disclaimer: The above details may undergo amendments as per rules and regulations of RBI from time to time.

 

How will I receive the interest subsidy benefit under Pradhan Mantri Awas Yojana?

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The Bank will claim subsidy benefit for eligible borrowers from National Housing Bank (NHB). The NHB will conduct a due diligence to exclude claims where customer has submitted multiple request. For all eligible borrowers, the subsidy amount would be paid to the Bank. Once the Bank receives the interest subsidy, it will be credited upfront to the loan account. The subsidy will be calculated on Net Present Value (NPV) at 9% discount rate.

 

For example, the borrower avails a loan for Rs. 8 lakh and the subsidy works out to Rs. 2, 20,000. The amount (Rs. 2, 20,000) would be reduced upfront from the loan (i.e., the loan would reduce to Rs. 5, 80,000) and the borrower would pay EMIs on the reduced amount of Rs. 5, 80,000.

 

*The above example is for illustration purpose only and the subsidy amount will depend on the actual amount received or any changes done by NHB on the same.

How do I approach ICICI Bank for a Gold loan?

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You may visit any ICICI Bank branch offering Gold Loans or submit your details in the ‘Call Me’ section for our Executive to contact you.

Who can avail an ICICI Bank Gold Loan?

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You can avail Gold Loan if you are an individual within the age group of 18 to 70 years

What are the documents that I need to submit?

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  • Two passport size photographs
  • ID Proof such as Driving License or PAN Card or Form 60/61 or Passport Copy or Voter ID Card or Aadhaar Card or Ration Card. Any one document needs to be submitted
  • Address Proof such as Driving License / Voter ID Card / Ration Card / Aadhaar Card / Passport Copy / registered lease agreement with not older than 3 months utility bills in the name of landlord (any one)
  • Proof of land holding in case of agriculture loan of more than `1 Lakh

Do I need to update the bank in the event of change in address due to relocation or any other reason?

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Yes. You will have to notify ICICI Bank within 7 working days of change in address in writing with the full details of all the change/s in the location/address of your residence or place of business

How will my Loan eligibility be assessed?

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The loan eligibility of the applicant will be assessed based on internal guidelines and processes of the Bank as amended from time to time. As per the extant requirement, the borrower will be required to submit income documents like, salary slip, ITR, Bank statement, existing loan details etc for the purpose of eligibility assessment.

How can I view and download Home Loan Statement

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View and download your Home Loans statement, Income Tax (IT) Certificate, Provisional Income Tax Certificate and Final Income Tax Certificate – Authenticate with your account details

View Statement

If your Home Loans Account is linked to your Internet Banking User ID, Login with your User ID and Password to view your Home Loans account details and statement. You can also download the Home Loans statement.

 

How can I approach ICICI Bank for Personal Loans?

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You can Place the request for New Personal Loan through the following Channels:

 
Online process without login: 
Log in to www.icicibank.com --> Main Page --> Click on Products -->Loans--> Select Personal loan--> Request a call
 
Internet banking:
Log in to www.icicibank.com with your user ID and password--> Main Page --> Select Loans options in My Accounts --> Click on Apply for Loans --> Under Personal loan option - Click on Apply now --> Check the Eligibility and Click on Apply Now
 
Log in to www.icicibank.com --> Main Page--> You can see the Pre qualified offers for Personal loan --> click on Instant approval
 
Customer Care:
You may also call our Customer Care on 1860 120 7777 between 8:00 a.m. to 8:00 p.m.
To know the Customer Care numbers, we request you to click here.
 
ICICI Bank branch :
Please visit the nearest ICICI Bank Loan servicing branch along with your valid ID proof, Address Proof, 3 Months bank statement in which his salary is credited, Latest 3 months Salary slips and Form -16 for the current / previous financial year.
We request you to look for the nearest ICICI Bank Loan Servicing Branch in our website: www.icicibank.com >> Find ATM/Branch.

Do you offer Balance Transfer facility in Personal Loan?

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We offer Balance Transfer Facility if you have paid 12 EMI. Please contact your nearest branch or our call center for further details.

What is Pradhan Mantri Awas Yojana (PMAY) Credit Linked Subsidy Scheme?

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Credit Linked Subsidy, is a scheme launched by our Honourable Prime Minister Shri Narendra Modi for Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group (MIG – I & MIG –II). The beneficiary would be eligible for interest subsidy on purchase/construction of a house. The scheme is also available for enhancement of a dwelling unit.