HomeResourcesHow to Check Personal Loan Application Status in ICICI Bank

Check Personal Loan Status Online

You can check your ICICI loan status with just a few clicks by using the bank’s online services. Take a look and know how it works:

  • right-arrowNetbanking
    • Visit the official website of ICICI Bank.
    • Log in to your account using the user ID and password.
    • Locate the loan section and enter the reference number you’ve received.
    • Now, your loan status will be displayed on the screen.
    right-arrowiMobile App
    • Open the Google Play Store or Apple App Store and search for "iMobile by ICICI Bank." Install the app.
    • Open the iMobile app and click "Activate Now." A request will be sent to your mobile number.
    • Create a four-digit mPIN and submit.
    • Tap on "Cards, Loans & Forex." select "Track New Loan."
    • Enter your application number, name, and date of birth and click "Submit."
    right-arrowWhatsApp Banking
    • Send “Hi” to +91 86400 86400 from your registered mobile number to start the bank’s WhatsApp banking services.
    • Now type ‘Loan Services’ or ‘Loans and send it.
    • You’ll see the options available now.
    • Select ‘Loan Status’ and see the current status of your loan application

    • Offline Methods to Check Application Status

    To track your ICICI personal loan status without an internet connection, use these methods:

  • right-arrowCall the Personal Loan Customer Care
    • Call 1860 120 7777 from your registered mobile
    • Upon connecting with the service provider, select the option of loan status
    • Provide your application/reference number
    • After that, you will know your ICICI personal loan status
    right-arrowVisit Bank Branch
    • Locate the nearest ICICI Bank branch
    • Talk with the bank representative and tell them your situation
    • Now, they will ask for your personal loan application number
    • When you provide the same, they will check your data in the system and will tell your loan status.

    • What Does Personal Loan Application Status Mean?

    Your ICICI personal loan application status tells you where your loan application stands. Here's a breakdown of common statuses and what they mean:

  • right-arrowApplication Received/Submitted: This confirms the bank has received your application. Your loan request is in the initial stage, and no decision has been made yet.
    right-arrowIn Progress/Under Review/Processing: Your application is being considered by the bank. They are checking your credit score, financial history, income, employment, etc. This stage can take time based on the information you’ve provided and loan eligibility.
    right-arrowVerification/Document Verification: Now you are in the next stage of the loan application, and the bank is verifying the information you’ve provided. This may involve contacting your employer, bank, or other references. They might also request additional documents from you if necessary.
    right-arrowApproved: Getting an approved status means your loan application has been accepted. Now, you will receive details about the loan amount, interest rate, repayment terms, and disbursement date.
    right-arrowRejected/Declined: The bank has declined your loan application. The bank will provide you with the reason for the decline.
    right-arrowDisbursed: The loan amount has been transferred to your bank account.
    right-arrowPending/Hold: Your application is on hold, and the bank might need more information from you or is experiencing internal delays. It's best to contact the bank to understand why your application is pending.
    right-arrowCancelled: When you’ve cancelled the application. For any reason, when you choose to withdraw your application or if the lender deems it incomplete or ineligible, the status will be shown cancelled.

    • Conclusion

    Staying informed about the status of your ICICI Bank personal loan application is a straightforward process, thanks to the various online and offline methods available.
    Whether you choose to use the bank's net banking portal, the iMobile app, WhatsApp banking, or opt for traditional methods like a phone call or a visit to a branch, each option offers a convenient way to track your application.
    Understanding the different statuses of your application can also help you manage your expectations and take appropriate actions if needed. By utilizing these resources, you can ensure a smoother experience as you navigate the personal loan process with ICICI Bank.

    Frequently Asked  Questions

    What details are needed to check my ICICI Bank loan status online?
    Can I check my loan status without visiting the bank branch?

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