Axis BankVSICICI Bank
Axis Bank vs ICICI Bank Personal Loan
Detailed side-by-side comparison — rates, eligibility, pros & cons. Find which is better for your profile.
Interest Rate
9.99–22%
9.99–16.5%
Min CIBIL
700+
700+
Max Amount
₹50,00,000
₹50,00,000
Min Salary
₹15,000 ✓
₹30,000
Disbursal
24-48 hours
24-48 hours
Processing Fee
Up to 2%
Up to 2% + taxes
Prepayment
Nil after 12 EMIs
Nil after 12 months
Type
BANK
BANK
Axis Bank wins on 1 features, ICICI Bank wins on 0. But the best lender for you depends on your salary and CIBIL — not just the specs.
Axis Bank
✅Low starting rate (10.49%)
✅Good for existing account holders
✅Instant OTP-based KYC
❌700+ CIBIL required
❌Salaried only: self-employed borrowers need a separate product
ICICI Bank
✅Instant approval for existing customers
✅iMobile app makes it seamless
✅Competitive rates
❌700+ CIBIL required
❌Higher processing fee
Frequently Asked Questions
Which is better — Axis Bank or ICICI Bank for personal loan?
It depends on your profile. Axis Bank offers rates from 9.99% (needs CIBIL 700+), while ICICI Bank starts at 9.99% (needs CIBIL 700+). GoCredit’s AI Loan Agent compares both and 50+ other lenders to find the best rate for your exact profile.
Axis Bank vs ICICI Bank — which has a lower interest rate?
ICICI Bank has the lower starting rate at 9.99%. However, your actual rate depends on CIBIL score and salary. Check your personalised rate on GoCredit.
What is the minimum CIBIL score for Axis Bank and ICICI Bank?
Axis Bank requires 700+, ICICI Bank requires 700+. If your score doesn’t meet either threshold, GoCredit’s AI matches you with lenders that accept your current profile.
Should I apply to Axis Bank or ICICI Bank?
Instead of choosing one, use GoCredit’s AI Loan Agent to apply to both simultaneously along with 50+ other lenders. You get the best offer without multiple applications and hard enquiries.
Why Compare Just 2?
GoCredit's AI Loan Agent compares 100+ lenders simultaneously and finds the absolute best rate for your exact profile — salary, CIBIL, and loan amount. One click, all offers.
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Check Your Loan Eligibility
Instant result — no signup, no CIBIL impact