iMobile: Loan, Cards & Banking

iMobile is ICICI Bank’s official Mobile Banking app that offers 400+ banking services.


It is accessible to both ICICI Bank & non-ICICI Bank customers for availing Loans, managing Savings Accounts, transferring funds, managing Cards, and investments. iMobile brings the power of Net Banking to your fingertips!



iMobile offers:


• Instant Loans such as Personal Loans, Home Loans, Car Loans, and more
• Online Digital Savings Account
• Apply for Credit Cards
• Open Fixed Deposits (FDs), Recurring Deposits (RDs) or iWish Deposits
• Scan QR Codes for easy UPI Payments
• Hassle-free utility & electricity bill payments
• Instant online mobile recharge, DTH service, and FASTag recharge
• Flight, train, and hotel bookings.

With iMobile, you can enjoy the following benefits:


● Pre-approved RuPay Credit Cards:

RuPay Credit Cards provide instant access to RuPay benefits, allowing seamless payments and UPI transactions.


● Manage multiple Cards:

Through iMobile, you can manage multiple Cards such as Debit Cards, Credit Cards, and Forex Cards. You can also pay Credit Card bills for other banks, by scheduling reminders for due dates.


● Investments made simple:

iMobile offers a hassle-free solution for investing and stock market trading. You can also invest in various Mutual Fund schemes, without opening a Demat Account.


● iScore & Discover:

Use the 'Discover' feature on iMobile to review your income and expenses. The 'Budget' feature helps you create and manage a budget, allowing you to practice financial discipline.


● iFinance: All your Bank Accounts in one place:

With iFinance, experience a new and innovative way to view all your Bank Accounts in one place. Review your income and expenses, easily.


● Unlock rewards & personalised offers:

Earn Reward Points and avail of exclusive offers by conducting transactions or paying utility bills through your Credit Card.


● Customised notifications:

Get updates regarding your bills, Cards, Loans, Bank Accounts and more.


● SmartLock:

Control access to banking services such as Net Banking, UPI, and Credit and Debit Cards in one swipe.


● SmartScan

With the new 'SmartScan' feature, log in to iMobile and directly scan any QR Code within the first 10 seconds, without opening your scanner.


● Global UPI:

NRI customers can conduct UPI payments with their international mobile number.


● Chatbot assistance

Enjoy 24x7 chatbot assistance with iPal.    



Personal Loan highlights:

• Loan Amount: Minimum: ₹ 50,000 and Maximum (based on the customer’s eligibility).
• Repayment Tenure: (36 months(Min)) to (based on the customer’s eligibility).
• Rate of Interest: 10.80% to 16.00%
• Processing Fee: Can go up to 2% of loan amount.


For example: For a Loan of ₹ 5 lakh, borrowed at an interest rate of 0.89% per month for 60 months, the payable amount would be Rs 10,809 per month.

Processing Fee: * ₹ 1,770, Other charges: ₹ 0, Interest: ₹ 1,