Information only
ICICI Bank is a private sector bank in the Reserve Bank of India's (RBI) classification. RBI's Banks in India listing gives its address as Vadodara, Gujarat. According to the bank's website, as of 8 November 2026, it was incorporated in 1994 as part of the ICICI group, which began in 1955 as a development finance institution. Its loan menu covers retail, vehicle, secured, business and agriculture borrowing, plus separate loan products for non-resident Indians (NRIs).
Loans it offers
Loan products named on ICICI Bank's website, as of 8 November 2026
| Loan | What to know |
|---|---|
| Home loans | The bank lists a home loan, a step-up home loan, a top-up home loan and a land loan. It also lists a separate group of NRI home and property loans. |
| Personal loans | Besides the personal loan, the site names a personal loan for travel, FlexiCash (a salary-linked overdraft), cardless EMI, consumer EMI, EMI on debit card and a loan against credit card. |
| Loans against property | A loan against property is listed, as are loans against securities, shares, mutual funds and sovereign gold bonds, where the security is financial rather than property. |
| Business and MSME loans | The business menu names a business instalment loan, a commercial business loan, healthcare equipment loans, working capital loans and dealer and vendor finance. It also names the PM Mudra Yojana and the Stand-Up India scheme. |
| Car loans | A car loan and an EV car loan are listed. |
| Two-wheeler loans | A two-wheeler loan is listed. A tractor loan and a Kisan Credit Card loan appear for farm borrowers. |
| Gold loans | A gold loan is listed on the loans menu. |
| Education loans | An education loan is listed on the loans menu. |
Read how these loans work on LOANZ 360: home loans, personal loans, loans against property, MSME loans, business loans, car loans, two-wheeler loans, gold loans, education loans and agriculture loans. The bank's own website is the record of its current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, regulated by the Reserve Bank of India |
| Address listed by RBI | Vadodara, Gujarat |
| Incorporation | 1994, according to the bank's website |
| Group origin | ICICI was formed in 1955 as a development finance institution, according to the bank's website |
| Merger | ICICI Ltd merged into ICICI Bank in 2002, after shareholder, High Court and RBI approvals |
| Acquisition | Bank of Madura merged into ICICI Bank in 2001 |
As of 8 November 2026, RBI lists ICICI Bank as a private sector bank, and the bank's website lists its loan products under a single loans menu.
Before you apply
- Loans against shares, mutual funds and bonds are secured on investments, not on property. The lender sets the margin and can ask for more security if prices fall, so read that clause in the sanction letter.
- NRI products have their own document needs, such as proof of overseas income and residence. Confirm them before you apply.
- An overdraft such as FlexiCash is charged on what you use. Ask how interest is worked out and what happens at the yearly review.
- Ask for the Key Fact Statement (KFS) and compare offers on the annual percentage rate (APR), which includes the lender's fees.
- This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it.
To see how published rates differ across lenders, open interest rates. The full list is on the lenders page. The site draws the label (lending partner or information only) from live data. For a lender shown as information only, apply on its own website.
Last updated 12 Nov 2026