iMobile Pay: Loan, Banking App

ICICI Bank Ltd.

About this app

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

It is accessible to both ICICI Bank customers & non-ICICI Bank customers for availing Loans, managing Savings Accounts, transferring funds, managing Cards, and investments. iMobile Pay 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 hotels bookings

With iMobile Pay, you can enjoy the following benefits:

✔ Pre-approved RuPay credit cards:

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

✔ Manage multiple cards:

Through iMobile Pay, 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.

✔ Investment made simple:

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

✔ iScore & Discover:

Use the 'Discover' feature on iMobile Pay 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 at 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 your rewards & personalized offers:

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

✔ Customized notification:

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.

✔ 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: Min (₹25,000/-) to Max (as per the eligibility)*.
● Repayment Tenure: 12 months to 72 months*.
● Rate of Interest starting from 10.80% p.a.p.m*
● Processing Fees starting from Rs. 3,999*

For Example: For an amount of ₹5 Lakh borrowed at an Interest Rate of 11.00% for 60 months, the payable amount would be : ₹10,817 p.m.

The total amount to be repaid after 5 years will be ₹ 6,52,273/- out of which the interest amount would be ₹1,52,273/-

*Note: Terms and Conditions apply.

Other offerings by ICICI’s iMobile Pay: Forex Prepaid Cards, Companion Cards, SIPs, IPO Applications, Tap to Pay, Scan to Pay, Pay to Contact, PPF(Public Provident Fund), NPS(National Pension System), Gold Loan, Sovereign Gold Bonds, Term Life Insurance, Cancer Cover, Health/Travel/Motor Cover, 24 hours Top Up, PayLater.

Pre-approved Loans: Home Loan Balance Transfer, Education Loan, Loan against Property, Commercial Property Loan, Consumer EMI, Consumer EMI, Home Loan Overdraft, Insta FlexiCash Loan, Personal Loan on Credit Card.

For any feedback, queries or issues pertaining to iMobile Pay App, please write to [e-mail]

Ratings and reviews

The app has a good number of features. However there are some issues: 1. It takes too long to open, nearly 15-20 seconds 2. Navigation is difficult, you have to keep searching for what you need, especially in the credit card section. Expecting a much better app from ICICI hence rated 2 stars instead of 3 stars.

The ICICI mobile app has been an absolute nightmare lately! No matter how many times I try, I just can't seem to log in. Every attempt ends with some vague technical error message. It's beyond frustrating, especially when I need to do important financial transactions. It's like banging my head against a wall! Very worst application by ICICI bank.

Latest version has messed it all. I am user of ICICI for more than 15yrs now and has been using this app since the time it is launched. But the latest version has so many bugs. 1. It never let's you login. Login screen runs in loop. 2. If you are lucky enough to break the login loop and enter the app, so many ads are creeping up. 3. The account statement and transactions are ending abruptly and we need to re-login At ICICI team, please fix these or better to rollback to previous version.

What's new

1. Now Scan the QR with Zoom in facility with Haptic feel on successful transactions

2. Manage top spends and much more for the month with discover "Snapshots"

3. With ICICI Bank's Loan Against Shares raise instant funds against shares without selling them

4. Pay via UPI using the registered Indian and international mobile number(s) from AU, CA, HK, OM, QA, SA, SG, UAE, UK & USA

5. Now customers can open additional NRE/NRO accounts through iMobile

6. Bug Fixes and Improvements