CreditBrief

What ICICI Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹18.32 lakh crore (+18% since March).

ICICI BankPrivate banks

₹15.54lakh croretotal advances, net of IBPC and BRDS on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers3rdof 33 banks on CreditBrief, March 2026
Biggest segment29%Mortgages, latest split (30 Sep 2026)
Share of the combined book7.3%of all banks on CreditBrief

Chapter 01 · The loan book

₹15.54 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in ICICI Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from mortgages down, and you get ₹15.54 lakh crore. By 30 Sep 2026 it was ₹18.32 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

52%People and households₹9.46 lakh croreMortgagesAuto financeCommercial vehicle and equipmentPersonal loansCredit cards
41%Businesses₹7.44 lakh croreBusiness bankingDomestic corporate

8% sits in lines the filing does not tie to either: Overseas book.

Drilling down: what it lends against · 30 Sep 2026

  • Mortgages₹5.31 lakh crore29%
  • Business banking₹3.89 lakh crore21.2%
  • Domestic corporate₹3.55 lakh crore19.4%
  • Overseas book₹1.43 lakh crore7.8%
  • Personal loans₹1.42 lakh crore7.7%
  • Auto finance₹64,507 crore3.5%
  • Jewel loans₹55,794 crore3%
  • Credit cards₹53,091 crore2.9%
  • Commercial vehicle and equipment₹39,143 crore2.1%
  • Farmer finance₹32,333 crore1.8%
  • Others (retail and rural)₹27,737 crore1.5%

The filing states figures in ₹ billion. Retail and rural products are on page 16; business banking, corporate and overseas loans on page 15. "Mortgages" may include some loans against property. The overseas book grew this quarter because of loans against FCNR(B) deposits.

Sources: ICICI Bank Investor Presentation Q4 FY26 (exchange filing), PDF page 15 ↗ for March 2026; ICICI Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 15 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 16% a year since March 2022.

From ₹8.59 lakh crore on 31 March 2022 to ₹15.54 lakh crore on 31 March 2026, and ₹18.32 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights30 figures from 10 filings · each checked against its pageHow it works
ICICI Bank · loan book · 31 March 2026₹15.54lakh crore+16% in FY2025-26₹18.32 lakh crore by 30 Sep 2026
  1. 0116%a year since 2022Grew 16% a year from March 2022 to March 2026, faster than 15 of the 29 other banks with like-for-like figures for those years.
  2. 0216%in FY2025-26Growth picked up to 16% in FY2025-26, from 13% the year before.
  3. 033rdamong peersHeld its place as the 3rd biggest of these 33 banks from March 2022 to March 2026.
Deposits₹17.95 lakh crore+11% · in FY2025-26
Loans to deposits86.6%+3.3 pts · in FY2025-26
CASA ratio41.4%-0.4 pts · in FY2025-26
Corporate and wholesale loans₹3.06 lakh crore+9.3% · in FY2025-26
Branches7,511+7.6% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · total advances, net of IBPC and BRDS8,59,02010,19,63911,84,40613,41,76615,53,89318,31,580
Corporate and wholesale loans₹ crore1,93,7342,34,8182,58,2792,79,6513,05,5403,54,771
Deposits₹ crore10,64,57211,80,84114,12,82516,10,34817,94,62520,49,874
CASA ratio%47.2045.8042.2041.8041.4036.10
BranchesNumber5,4185,9006,5236,9837,5117,656

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at ICICI Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

ICICI Bank, Q2 FY2026-27: loan book ₹18.32 lakh crore, +18% since March

  • ₹18.32 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Mortgages, 29% of the book
  • Every figure links to page 15 of its filing

Chapter 03 · Among its peers

3rd biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 7.3% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at ICICI Bank

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

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Chapter 05 · Sources

Every number, traced to its filing.

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