iMobile: Loan, Cards & Banking

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 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, 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, 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 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 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 : 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 App, please write to [e-mail]

Ratings and reviews

Nearly 100MB (now 125MB) app for a banking, financial transaction app is obnoxiously large. Please look at making the app smaller and faster. It is too cluttered, and tries to do tooo many things, and 90% of what I do not need. However the app has been reasonably stable on my devices. Reviewing Credit-card statements is confusing. I see negative amount as payment due that is not correlated at all with transaction entries.

04/06/25: New app provides very less space for remarks. 11/02/23: Downgrading rating from 4 to 1 because app stopped working. When opening it everytime shows there is some technical issue and while logging it shows alert to check internet connection. So not able to use it. Also it asks for update frequently, this is also a major inconvenience to users. Are your previous than latest versions so much insecure?? Other apps and internet applications working fine on phone, but this app not working.

I use this app mostly for UPI transactions. What I don't understand is why do I need to close the pop-up about upi being enabled for NRI customers using intentional numbers? It's extremely frustrating to close this pop up every time. Also the functionality doesn't work fully. I can't receive money via upi because of my international number. Please fix these two issues and I'll be happy to give you a 5 stars review.

What’s new

1. Login faster & make quick UPI payments on the new login page.
2. Enjoy the iMobile app in a new and vibrant orange colour.
3. A smooth & new experience for your Bill Payments & Fastag - enhanced features and simplified management.
4. Introducing a new Send money journey. Enjoy a seamless and elevated payment experience with our revamped user interface.
5. Bug Fixes and Improvements to enhance your Mobile Banking experience.