ICICI Bank offers divergent personal loans for fulfilling different finance needs of the customers. Now, if you may have taken a personal loan from ICICI Bank then you should check your outstanding amount consistently so that you are in a position to handle your finances in a planned manner.
This article is dedicated to help you with the same on how you can check your ICICI Bank personal loan outstanding amount instantly.
Why is it important to track your outstanding amount?
Tracking your loan’s outstanding balance helps you manage your finances better, avoid missed payments and piling on more debt. Regular monitoring also allows you to plan your expenses, avoid penalties, and maintain a good credit score.
Knowing the remaining balance also helps you decide if you need to make a prepayment or restructure your loan to reduce the interest rate burden. That is why proper tracking ensures you stay financially disciplined and make informed decisions about your repayment strategy.
Online method to check outstanding balance
- ICICI Bank website: You may open the ICICI Bank website and log into your net banking account. Under the ‘Loans’ facility, you would have an option to view your loan details, such as the amount payable, EMI terms and conditions on your personal loans etc. Just navigate to the respective section and follow the procedure to view your details.
- APPULS APP: ICICI iMobile mobile app also has a very user-friendly interface to know your loan status. Login and navigate to the section ‘Cards, Loans & Forex’ and then ‘Loan Account’. There you can know your outstanding amount and other details of the loan.
Offline methods to know loan status
If you prefer offline methods, ICICI Bank also provides the following:
- Branch visit: Simply visit any ICICI Bank branch and ask a bank representative to help you. Bring your identification and loan documents along so that it becomes easier for them to assist you.
- Customer care: ICICI Bank’s customer care service is available 24×7. Dial their toll-free number as provided on their official website, to find out the outstanding balance on your loan. Keep your loan details, Aadhaar card and other documents handy to verify.
Now, ICICI Bank personal loans provide convenient repayment tenures of 1-6 years and modest beginning interest rates of 10.85% per annum.
For complete details readers are suggested to visit the official website of ICICI Bank or reach out to the customer service department of the bank as the interest rates discussed here are indicative in nature and are bound to change as per the policies of the bank.
Eventually it is up to the personal loan applicant to decide between the modes of checking the outstanding balance online or offline. ICICI Bank provides multiple customer friendly options. Also, regularly monitoring your loan status will help you in keeping a tab on any recent developments and prevent you from missing any important information.
(Note: Raising a loan comes with its own risks. So, due caution is advised)
