What ticket size does ICICI Bank offer?

Facilities observed on live transactions run from ₹2 cr to ₹10 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does ICICI Bank charge?

Rates observed on live transactions fall between 9% and 10% a year. Tenures run 12 to 12 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does ICICI Bank take to disburse?

About 105 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.

What are ICICI Bank's eligibility criteria?

The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.

Lender profile

ICICI Bank business loans

ICICI Bank is on Recur Club's lender panel, writing cgtmsme overdraft cash credit, cgtmsme working capital demand loan, loan against property and 5 other products. Observed tickets run ₹2 cr to ₹10 cr, priced between 9% and 10%. Median turnaround from application to disbursal is about 105 days.

✓Tickets from ₹2 Cr – ₹10 Cr across 11 products
✓Indicative pricing 9% – 10%, as quoted on live transactions
✓Around 105 days from application to disbursal when the file is clean
✓We check your fit against every lender on the panel, not just this one

Check your fit →See a typical term sheet

Products live

₹7 Cr

Median sanction

105

Days median turnaround

226

Sanction letters read

— Which arm you land with

2 lenders under one brand

They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.

Icici Bank Limited

Behaviour & gates

Borrower: CIBIL ≥650
age ≥2y (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
avoid: Real Estate (non asset Light) (varies by product)
Telangana (varies by product)
Private Limited, Public, Sole proprietorship, Limited Liability Partner (varies by product)
sector-agnostic (45 sectors — full list in data JSON) (varies by product)

21 more ▾

Financials: TOL/adjusted tangible net worth ≤4
debt/EBITDA ≤3
debt/networth ≤3
DSCR ≥1
rev ≥₹10cr (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
maximum annualrevenue: 100 (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
maximum networth: 1000 (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
Deal: rate 7–16% (range across products — see matrix)
ticket ₹0–200cr (range across products — see matrix)
tenure 0–180mo (range across products — see matrix)
no PEP
Security (observed): 1st/pari-passu charge on current assets (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (94%)
median ticket ₹10cr
median rate 11%
median turnaround 105d
Security asked in : 1st/pari-passu charge on current assets (×7), Personal Guarantee Of Promoters/Directors (×4), FD margin 20–30% (×4), FD margin 10–15% (×2)
Security asked in 2026: 1st/pari-passu charge on current assets (×17), Personal Guarantee Of Promoters / Directors / Property Owner (×16), 1st charge on P&M (×8), FD margin 20–30% (×4)
share → in-principle approval (initial interest): ≈34d
in-principle approval → sanction (underwriting): ≈85d
sanction → disburse (closing): ≈15d

Icici Limited

Behaviour & gates

Borrower: CIBIL ≥650
wilful defaulter: No (varies by product)
age ≥3y (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
revenue from related parties: 10 (varies by product)
avoid: Real Estate (non asset Light) (varies by product)
Maharashtra (varies by product)

20 more ▾

Private Limited, Public, Sole proprietorship, Limited Liability Partner
sector-agnostic (43 sectors — full list in data JSON) (varies by product)
Financials: debt/EBITDA ≤3
debt/networth ≤3
maximum networth: 1000 (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
rev ≥₹10cr (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
TOL/adjusted tangible net worth ≤4 (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
networth ≥₹1cr (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
maximum annualrevenue: 100 (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
DSCR ≥1 (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
Deal: rate 7–16% (range across products — see matrix)
ticket ₹2–200cr (range across products — see matrix)
tenure 12–180mo (range across products — see matrix)
Security (observed): 1st charge on immovable assets (100%)
1st/pari-passu charge on current assets (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (67%)
median ticket ₹50cr
median rate 10%
median turnaround —
Security asked in 2026: 1st charge on immovable assets (×3), 1st/pari-passu charge on current assets (×3), Personal Guarantee Of Promoters / Directors / Property Owner (×2), FD margin 20–30% (×1)

— Products & indicative terms

What ICICI Bank lends, and on what terms

What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.

Product	Ticket	Pricing	Tenure	Arm
Cgtmsme Overdraft Cash Credit▾▴ Turnaround ~7d Rejects Negative sectors Financial ServicesReal Estate (non asset Light)BankingExplosivesArms and AmmunitionsGambling and BettingInsuranceLottery BusinessMedia and EntertainmentTobacco Products Wins Director overdue: 0.001 INR Cr States: pan-India Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner Min company age (yr): 2 Years 13 more ▾ ▴ Director CIBIL: 650 Min revenue (₹cr): 10 Debt / EBITDA: 3 Max revenue (₹cr): 100 Max Networth: 1000 INR Cr Min Networth: 0 INR Cr Debt / Net worth: 3 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 9–9–9% ₹2–2–2 Cr 12–12–12 mo Turnaround: ≈7 days (share→disburse) Asks for Provisional financials (×7) Behaviour & gates Min tenure (mo): 0 Months Min ticket (₹cr): 0 Max tenure (mo): 120 Months Min rate (%): 7 Politically Exposed Person: No Max ticket (₹cr): 100 6 more ▾ ▴ Security required: ['Charge On Current Assets - Exclusive First Charge', 'Personal Guarantee of Promoters / Directors / Property Owner'], ['Charge On Current Assets - Pari Passu First Charge', 'Personal Guarantee of Promoters / Directors / Property Owner'], ['Charge on Immovable Fixed Assets - Exclusive First Charge'] Max rate (%): 15 End Use Of Capital: Purchase of Machinary, Working Capital, Growth / Runway Extension, Purchase of Vehicles, General Corporate Purpose rate — stated 7–15%, actually offered 9–9% → within stated band Amount — stated 0–100 Cr, actually offered 2–2 Cr → within stated band Tenure — stated 0–120 mo, actually offered 12–12 mo → within stated band	₹2 cr	9%	12 mo	Icici Bank
Working Capital Demand Loan▾▴ Turnaround ~203d Rejects Negative sectors Tobacco ProductsReal Estate (non asset Light)Oil and GasLottery BusinessGambling and BettingEngineeringProcurementand Construction (EPC)ExplosivesArms and AmmunitionsFinancial ServicesInfrastructure Wins Director overdue: 0.001 INR Cr Director CIBIL: 650 States HaryanaMaharashtraKarnatakaRajasthanDelhiTelangana Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner 14 more ▾ ▴ Debt / EBITDA: 3 Debt / Net worth: 3 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 10–10–10% ₹10–10–10 Cr 12–12–12 mo Turnaround: ≈203 days (share→disburse) Asks for Audited financials (×4) Asks for Bank statements (×1) Asks for Cap table / equity (×1) Asks for Debt schedule / sanction letters (×1) Asks for GST / integration (×1) Asks for Provisional financials (×1) Asks for Receivable/inventory ageing (×1) Behaviour & gates Min tenure (mo): 3 Months Min ticket (₹cr): 1 Max tenure (mo): 120 Months Min rate (%): 8 Max ticket (₹cr): 200 Security required: 8 values → data JSON 4 more ▾ ▴ Max rate (%): 16 rate — stated 8–16%, actually offered 10–10% → within stated band Amount — stated 1–200 Cr, actually offered 10–10 Cr → within stated band Tenure — stated 3–120 mo, actually offered 12–12 mo → within stated band	₹10 cr	10%	12 mo	Icici Bank

Also offered, with no terms observed yet: Cgtmsme Working Capital Demand Loan, Loan Against Property, Loan Against Securities, Overdraft / Cash Credit, Sales Invoice Discounting, Secured Term Loan.

— Typical term sheet

What a sanction from ICICI Bank actually looks like

Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.

Icici Bank Limited

Specimen sanction

Representative of the median file. Your actual terms will move with rating, security cover and relationship.

Indicative

How often each clause appears

Share of the 115 sanction letters carrying the clause.

Other standing covenants69%

Icici Limited

Specimen sanction

Representative of the median file. Your actual terms will move with rating, security cover and relationship.

Indicative

How often each clause appears

Share of the 111 sanction letters carrying the clause.

Other standing covenants68%

— Security & covenants

What they will ask you to pledge

Counted across the sanction letters read. A combination is normal, and most files carry more than one.

Icici Bank Limited

Fixed Deposit40 letters
Current Assets40 letters
Immovable Fixed Assets24 letters
Movable Fixed Assets15 letters
Immovable Property7 letters
Property5 letters

Fixed Deposit ×40, Current Assets ×40, Immovable Fixed Assets ×24, Movable Fixed Assets ×15, Immovable Property ×7, Property ×5

Icici Limited

Current Assets39 letters
Fixed Deposit39 letters
Immovable Fixed Assets23 letters
Movable Fixed Assets15 letters
Immovable Property7 letters
Property5 letters

Current Assets ×39, Fixed Deposit ×39, Immovable Fixed Assets ×23, Movable Fixed Assets ×15, Immovable Property ×7, Property ×5

— Common questions

What borrowers ask about ICICI Bank

What does ICICI Bank lend?: ICICI Bank writes cgtmsme overdraft cash credit, cgtmsme working capital demand loan, loan against property, loan against securities, overdraft / cash credit, sales invoice discounting and 2 further products. Across those, observed facilities run ₹2 cr to ₹10 cr.
What ticket size does ICICI Bank offer?: Facilities observed on live transactions run from ₹2 cr to ₹10 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does ICICI Bank charge?: Rates observed on live transactions fall between 9% and 10% a year. Tenures run 12 to 12 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does ICICI Bank take to disburse?: About 105 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
What are ICICI Bank's eligibility criteria?: The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.

Next steps after ICICI Bank

Check your match

Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.

Browse every lender

Search the panel by name, product or ticket size, and compare credit boxes side by side.

Look up a company

Registry identity, GST status, charges and ratings for any Indian company, including your own.

AICA

The underwriting platform these credit boxes come from. Built for lenders and credit teams.

Bharat Ke SuperFounders

Founder stories from the companies building in India, from the team behind Recur Club.

See whether ICICI Bank is the right lender for you

A few questions. Recur Market scores you against ICICI Bank and the rest of the panel, on each lender's own recorded criteria.

Check my match

Last updated 6 October 2026

Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of ICICI Bank's current policy. Terms are set by the lender at the time of sanction.