ICL Fincorp Limited, originally established in 1991 as Irinjalakuda Credits & Leasing Company, has grown from a single branch in Thrissur, Kerala, into one of India's most trusted non-banking financial companies (NBFC). Under the visionary leadership of Chairman and Managing Director Mr. K.G. Anil Kumar, ICL Fincorp has expanded its operations to over 350 branches across 12 states, including Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, and West Bengal. The company is also recognized for its pioneering gold trading and financial brokerage services in the UAE, making it a truly pan-India and international financial services provider.
ICL Fincorp Limited specializes in gold loans, business loans, MSME loans, personal loans, investments, insurance, and loan against property. The company's expertise lies in offering some of the lowest interest rates and highest-return investment options in the market. Its approach is centered on customer trust, transparency, and fast, hassle-free service delivery. With a legacy of over three decades, ICL Fincorp Limited has built a reputation for reliability, innovation, and customer satisfaction.
History and Growth
- Founded in 1991 as Irinjalakuda Credits & Leasing Company in Thrissur, Kerala.
- Expanded rapidly across South India and then to other states, reaching over 350 branches.
- Launched gold trading and financial brokerage services in the UAE.
- Renamed to ICL Fincorp Ltd to reflect its pan-India ambitions.
Expertise and Approach
- Focus on gold loans and other financial products with competitive rates.
- Commitment to transparency, fast approvals, and customer satisfaction.
- Use of technology for seamless service delivery.
- Regular training and development of staff for high-quality service.
ICL Fincorp Limited Services Offered
Gold Loans
ICL Fincorp Limited offers gold loans with some of the lowest interest rates in the market. Customers can avail quick cash against their gold jewelry, with flexible repayment options and fast disbursal.
Business Loans
Business loans are designed for entrepreneurs and small business owners, providing funds for expansion, working capital, and other business needs. The process is simple, with minimal documentation and quick approval.
MSME Loans
MSME loans cater to micro, small, and medium enterprises, offering tailored financial solutions for growth and operational requirements. ICL Fincorp Limited understands the unique needs of MSMEs and provides customized loan products.
Personal Loans
Personal loans are available for various personal needs such as weddings, medical emergencies, travel, and more. The company offers competitive interest rates and flexible repayment terms.
Investments
ICL Fincorp Limited provides a range of investment options, including fixed deposits, mutual funds, and insurance-linked products, ensuring high returns and safety for investors.
Insurances
Insurance services include life, health, and general insurance, offering comprehensive coverage and peace of mind to customers.
Loan Against Property
Loan against property allows customers to avail large amounts by pledging their property as collateral. The process is transparent, with quick disbursal and flexible repayment options.
Why Choose ICL Fincorp Limited
ICL Fincorp Limited stands out for its customer-centric approach, competitive rates, and wide range of financial products. The company's commitment to transparency, fast service, and customer satisfaction has earned it a loyal customer base and excellent reviews.
Differentiators
- Lowest interest rates on gold loans and other products.
- Fast and hassle-free approval process.
- Wide network of branches across India and UAE.
- Transparent and ethical business practices.
- Regular customer support and grievance redressal.
Advantages
- Trusted brand with over 30 years of legacy.
- High customer satisfaction and positive reviews.
- Flexible repayment options.
- Quick disbursal of funds.
- Personalized service for each customer.
Expert Note from ClipsTrust Team
ICL Fincorp Limited is a trusted name in the financial services industry, known for its reliability, transparency, and customer-focused approach. The company's commitment to ethical practices and high-quality service makes it a preferred choice for individuals and businesses seeking financial solutions. ClipsTrust recommends ICL Fincorp Limited for its proven track record and positive customer feedback.
ICL Fincorp Limited Client Reviews & Ratings
ICL Fincorp Limited has received overwhelmingly positive reviews from its customers, with an average rating of 4.7 out of 5 from over 1200 reviews. Customers appreciate the company's fast service, competitive rates, and helpful staff.
Example Reviews
- Suresh Kumar, Chennai: "I availed a gold loan from ICL Fincorp Limited, and the process was very smooth. The staff was helpful, and I got my money quickly. Highly recommended!" (5/5)
- Priya Menon, Thrissur: "I took a business loan for my startup, and ICL Fincorp Limited provided excellent support. The interest rates were competitive, and the service was prompt." (5/5)
- Rajesh Nair, Bengaluru: "I have been investing with ICL Fincorp Limited for several years. Their investment options are safe and offer good returns. I am very satisfied." (4/5)
- Sonia Patel, Mumbai: "I availed a personal loan for my wedding. The process was simple, and the staff was courteous. I would definitely recommend ICL Fincorp Limited." (5/5)
- Vinod Sharma, Delhi: "I took a loan against property, and ICL Fincorp Limited provided quick disbursal and flexible repayment options. Very professional service." (4/5)
If you find the details according to you and your things fulfilled by a company, then give a review.
Pros and Cons of ICL Fincorp Limited
Pros
- Competitive interest rates on loans and investments.
- Fast and hassle-free approval process.
- Wide network of branches across India and UAE.
- Transparent and ethical business practices.
- Excellent customer service and support.
Cons
- Limited presence in some remote areas.
- Some customers report longer processing times for certain loan types.
- Documentation requirements can be strict for some products.
Tips for ICL Fincorp Limited Clients
- Always check the latest interest rates and terms before availing a loan or investment.
- Keep all necessary documents ready for a smooth application process.
- Contact customer support for any queries or issues.
- Read reviews and ratings from other customers before making a decision.
- Visit the nearest branch for personalized service and advice.
ICL Fincorp Limited FAQs
How can I contact ICL Fincorp Limited?You can contact ICL Fincorp Limited through their official website, customer service hotline, or by visiting the nearest branch. For quick assistance, use the contact form on their website or call their toll-free number.
Where can I find ICL Fincorp Limited branches near me?ICL Fincorp Limited has over 350 branches across India and UAE. Use the branch locator on their website to find the nearest location. You can also search for 'ICL Fincorp Limited near me' on Google Maps.
How do I book a loan or investment with ICL Fincorp Limited?Visit the official website, select the desired service, and fill out the application form. Alternatively, visit a branch for in-person booking. The process is simple and can be completed online or offline.
What is the cancellation policy for loans and investments?Cancellation policies vary by product. For loans, early closure may attract a nominal fee. For investments, check the terms and conditions before cancellation. Contact customer support for specific details.
What payment methods are accepted by ICL Fincorp Limited?ICL Fincorp Limited accepts various payment methods, including cash, cheque, NEFT, RTGS, and online payments. For more details, visit a branch or check the website.
How can I leave a review for ICL Fincorp Limited?You can leave a review on the official website, Google, or other review platforms. Your feedback helps other customers make informed decisions.
ClipsTrust Expert Note
ICL Fincorp Limited is a trusted and reliable financial services provider with a strong reputation for customer satisfaction and ethical practices. ClipsTrust recommends ICL Fincorp Limited for its proven track record, competitive rates, and excellent customer service. Always check reviews and ratings before availing any financial product, and contact the company directly for the most accurate information.
| # | Metric | Value | Remarks |
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| 1 | Years of Legacy | 34 | Established in 1991 |
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| 2 | Branches | 350+ | Spread across 12 states in India and UAE |
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| 3 | Customer Base | 1 Million+ | Satisfied customers across India and UAE |
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| 4 | Average Rating | 4.7/5 | Based on 1200+ reviews |
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| 5 | Interest Rates | Competitive | Among the lowest in the industry |
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