If you are planning to go for a personal loan with ICICI then you need to think twice, the rate of interest is too high and the agents tend to cheat people by getting the loans approved at a very high rate of Interest my very close relative applied for a personal loan of Rs.1.5 lac, and he has to pay Rs.3608 for 5 years which makes it Rs 216480, apart from this they have additional cheque bounce charges and have been compounding interest for every emi that has been delayed in reality he has to pay close to 3 lac.I have decided not to bank with them.