Pay ICICI Bank Personal Loan EMIs

How to Pay ICICI Bank Personal Loan EMIs

ICICI bank makes you available various options to pay for your personal loan payment. There are multiple ways for you online and offline. Online ways can be more convenient to you as sitting in your home/office within minutes you can make your payment.

Part 1P1Check the amount of your personal loan

First you need to check the actual amount you have to pay. As sometimes it happens that you are charged late fee for not making payment on time. When you fitfully pay minimum amount of payment you are charged some amount of interest on that. And this can also affect your credit score.

1
Log in to your ICICI online account

Log in to your online ICICI account with your user id and password. Now you will se loan option on the top of page click on that and you will be able to check your personal loan payment you have to do.You can also check your email, as bank always sends an email of your personal loan EMI statement.

  • You can view the outstanding amount and the due date of when to make the payment.
  • You may also call on the customer care number of ICICI bank to know about your personal loan payment.

2
Check the due date and the balance due

Before making the payment you should check the balance due and the due date as, if you will be left with 1 rupees also will be charged fine for the same and if you don't make payment till the due date then also late fee charges are charged to you to a minimum of 300 and a maximum of 600.

Part 2P2Make payment of your personal loan

ICICI bank provides you many ways to make personal loan payments.

Method 1M1By Cash


You can make your personal loan payment by cash.

1
Visit the branch

Visit the nearest branch of ICICI bank in your location along with your personal loan application details.

2
Fill the cash slip

Fill the cash slip provided by the bank in the branch.

  • List the amount of money you want to deposit.
  • Write your personal loan account number
  • Write your mobile number
  • Sign and deposit the slip slip

3
Submit slip

Now you can submit the cash and the cash slip to the banker.

4
Take receipt

As you will deposit the cash the banker will give you a receipt of the cash you have paid.

Method 2M2By Cheque


You can make you personal loan payment by cheque also.

1
Write a cheque

Take the cheque book and draw a check writing your 10 digit personal loan account number on it as the payment is for personal loan.

2
Deposit the check

Take the check and you can deposit the cheque in the nearest ICICI branch drop box provided by the bank.

Method 3M3Through Online Services


You can make your personal loan payment online. Just need to have an internet working android phone for that.

1
Login to ICICI online account

Log in to your ICICI Bank online account with your user id and password provided by the bank.

2
Go to payments

Go on the option of payments and transfer and click on payment.

3
Provide detail

Choose onto loan payment and enter details of your personal loan account number and the amount to be paid.

4
Enter OTP

Enter the OTP you got on the registered mobile number and make the payment.

Method 4M4Through NEFT


You can make your personal loan payment through NEFT(national electronic funds transfer). NEFT(national electronic funds transfer) through this you can transfer funds from one bank to anywhere within few hours or sometimes it can take upto one day.

1
Log in to bank account

Go to other bank's online service and log in to the online account with user id and password.

2
Go to payments and funds transfer

Go on the option of "payments and transfer" and click on "payment".

3
Select NEFT

Select the NEFT option as you need to make the payment of your personal loan by NEFT(national electronic funds transfer).

4
Enter the details.

Enter the required details.

5
Select payee

You need to select the registered payee.


If you have not added payee then you can by following the steps given below.

  • Click on manage payee option
  • Tap to add now option under ICICI bank payee section
  • Fill details of payee like account number, bank branch, IFSC code
  • Confirm details
  • Click on add payee
  • You will get a OTP on the registered mobile number enter the OTP and payee will be added.

6
confirm details and submit

Now confirm the details you have entered and submit the details your payment will be done.

Method 5M5Through RTGS


You can make the payment of personal loan account by RTGS(real time gross settlement).

1
Log in to bank account

Go to other bank's online service and log in to the online account with user id and password.

2
Go to payments and funds transfer

Go on the option of "payments and transfer" and click on "payment".

3
Select RTGS

Select the option of "RTGS" as you have to make the payment through RTGS.

4
Enter details

Enter the required details.

5
Select payee

Now, You need to select the registered payee.

6
confirm details and submit

Now confirm the details you have entered and "submit" the details your payment will be done.

Method 6M6Through IMPS


You can also make your personal loan payment through IMPS(immediate payment service). The limit for every transaction is Rs 200,000 only. IMPS service is available throughout the year including bank holidays and it takes only 30 minutes to transfer money.

1
Log in to bank account

Go to other bank's online service and log in to the online account with user id and password.

2
Go to payments and funds transfer

Go on the option of "payments and transfer" and click on "payment".

3
Select IMPS

Now select the option of "IMPS" (immediate payment service) and payee from the registered payees.

4
Enter details

Enter the required details like amount, account number.

5
Make payment

Now proceed to make payment by entering the OTP from the registered mobile number.

Method 7M7Through BHIM UPI App


You can make your personal loan payment by UPI (unified payment interface) using your mobile.

1
Log in to ICICI imobile app

Log in to ICICI app from your mobile phone with your user id and password.

2
Click on UPI

Click on UPI and choose pay with virtual payment address.

3
Enter details

Now enter the details and and choose VPA from which you want to debit.

4
Submit details

Submit the details you entered and your payment will be done.

Method 8M8Through Billdesk


You can also make your credit card bill payment by bill desk. At BillDesk you can pay your bills and make other payments online in a secure and convenient manner.

1
Visit the online portal of bill desk

To make your credit card payment at billdesk you have to go on the online portal. You can click here to go on the page.

2
Enter details

Now you need to enter the required details like your loan number and re enter the loan number again.

3
Select bank account

Now, you have to select your net banking account.

4
click on verify

Now, click on "verify" button.