ICICI Bank — review & key facts
Bank
✓ Regulated entity identified
Fact sheetevery field shows its verification state — no silent blanks
Public name
ICICI Bank
✓ Verified
Legal lender
ICICI Bank Ltd.
✓ Verified
App ↔ entity relationship
ICICI Bank Ltd. is the regulated bank itself — no separate lending-service-provider relationship.
∅ Not applicable
RBI evidence
ICICI Bank Ltd. is registered with the Deposit Insurance and Credit Guarantee Corporation (DICGC).
✓ Verified
Loan amount
₹50,000 up to ₹50,00,000
✓ Verified
Tenure
12 months to 72 months
✓ Verified
Interest & APR
Starting at 9.99%* p.a.
✓ Verified
Processing fee
Up to 2% of the loan amount, plus applicable GST
✓ Verified
Service fee
—
∅ Not applicable
Late-payment fee
—
— Not disclosed
Prepayment / foreclosure
No foreclosure charges after 24 EMIs paid; charges may apply before that period
✓ Verified
KFS
—
— Not disclosed
Eligibility & KYC
Salaried: age 20–58, min income ₹30,000/month, 2 yrs work experience. Self-employed: age 23–65, business vintage 2 yrs, overall experience 3 yrs. Docs (salaried): PAN, Aadhaar, 3 months' bank statements, 3 months' salary slips. Docs (self-employed): PAN/Aadhaar, 2 yrs audited financials, 6 months' bank statements, office address proof.
✓ Verified
Disbursal route
—
— Not disclosed
Repayment route
—
— Not disclosed
Grievance contact
Principal Nodal Officer (individual name not confirmed by direct fetch) · Toll-free customer service: 1800 1080; toll-free grievance redressal: 1800 200 3344 · [email protected] (search-snippet sourced, not independently re-confirmed)
— Not disclosed
Editorial assessment
ICICI Bank is a bank lending in its own name. Its official site publishes most of the core loan terms — compare the figures below against other lenders before applying. No individually named grievance contact was found on its official site at last check.
Contact & registered office
Customer care1800 1080
Grievance & complaints
Grievance Redressal Officer: Principal Nodal Officer (individual name not confirmed by direct fetch)
Not resolved in 30 days? RBI Ombudsman route →Alternatives to compare
Bandhan Bank
Bandhan Bank Limited
₹50,000 – ₹25,00,000 · Flexible repayment tenure – up to 60 months · Rates & Charges page (July 2026) states floating rates '8.55% – 13.52%'. The personal-loan landing page separately advertises 'from 9.50% p.a.' (up to 3 years) and '8.86% p.a.' (more than 3 years), effective 01 Aug 2026. Both figures reported as-is; not reconciled.
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