How to Check Personal Loan Outstanding in ICICI Bank

If you have taken a personal loan from ICICI Bank and want to check your outstanding balance, there are several methods you can use. Understanding your outstanding balance is crucial for managing your finances, planning your payments, and tracking your loan progress. This guide will walk you through the different ways to check your personal loan outstanding balance with ICICI Bank, ensuring that you can stay informed and in control of your loan.

1. Online Banking
ICICI Bank offers a comprehensive online banking platform that allows you to manage your personal loan account with ease. To check your outstanding balance online, follow these steps:

• Login: Visit the ICICI Bank official website and log in to your account using your User ID and Password.
• Navigate: Go to the ‘Loans’ section on the dashboard.
• Select Loan Type: Choose ‘Personal Loan’ from the list of loans.
• View Details: Your outstanding balance will be displayed along with other loan details such as EMI schedule, interest rate, and tenure.

2. Mobile Banking App
The ICICI Bank mobile banking app provides a convenient way to check your personal loan outstanding balance on the go. Here’s how you can do it:

• Open the App: Launch the ICICI Bank mobile banking app on your smartphone.
• Login: Enter your credentials to access your account.
• Access Loan Information: Tap on the ‘Loans’ tab from the menu.
• Check Balance: Select ‘Personal Loan’ to view your outstanding balance and other relevant details.

3. SMS Banking
For those who prefer a simpler method, ICICI Bank’s SMS banking service allows you to check your personal loan outstanding balance through a text message. To use SMS banking:

• Compose SMS: Send an SMS with the text ‘LOANBALANCE’ followed by your loan account number to the designated number provided by ICICI Bank (usually available on their website or customer service).
• Receive Details: You will receive an SMS with your outstanding balance and other relevant information.

4. Customer Care
If you prefer to speak to a representative, you can call ICICI Bank’s customer care number. The bank provides 24/7 customer support for all loan-related queries. When you call, ensure you have your loan account number ready for verification.

• Call: Dial the customer care number.
• Provide Details: Request the outstanding balance of your personal loan and provide necessary information for verification.

5. Visiting a Branch
Another method is to visit your nearest ICICI Bank branch. Speak to a representative and provide them with your loan account details to get the outstanding balance information.

• Visit: Go to the nearest ICICI Bank branch.
• Request Information: Provide your loan account details to the branch representative.
• Get Details: The representative will provide you with the outstanding balance and other details.

6. Passbook
If you have a passbook for your personal loan account, you can check your outstanding balance by referring to the latest entry. This method is less commonly used but is still available if you maintain a passbook for your loan.

7. Email Statements
ICICI Bank sends periodic email statements for your personal loan account. These statements include details about your outstanding balance, EMIs, and other relevant information. Make sure to check your email regularly for these statements.

8. ATM
Some ICICI Bank ATMs also allow you to check your loan details. Insert your ATM card, enter your PIN, and navigate to the loan information section to view your outstanding balance.

By using any of these methods, you can easily keep track of your personal loan outstanding balance with ICICI Bank. Regular monitoring of your loan status helps you manage your finances more effectively and ensures timely repayment.