Updated September 29, 2026 · SumCue Editorial Team
EstateGuru vs ICICI Bank
EstateGuru
ICICI Bank
Higher score in this comparison
What sets them apart
| Compare | EstateGuruReviewVisitVisit | ICICI BankReviewVisitVisit |
|---|---|---|
| Headline rate | 7%Higher | 2.5% |
| Rate type | Fixed | Variable |
| Minimum deposit | €100 | ₹2,500 to ₹15,000 |
| Access terms | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS |
| Account kind | Fixed | Easy access |
| Term | Not confirmed | 12 to 72 months |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
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Key differences
- ICICI Bank scores higher overall: 8.9 vs 8.8.
- Founded is lower at ICICI Bank: 1994 vs 2013 to 2014.
- EstateGuru is licensed in 2 more countries.
- Headline rate is higher at EstateGuru: 7% vs 2.5%.
- Support channels: only EstateGuru offers Email.
Our verdict on each
EstateGuru
EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.
ICICI Bank
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
Score breakdown
| Area | EstateGuru | ICICI Bank |
|---|---|---|
| Cost | 8.3 | 8.6HigherCard costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. |
| Offer | 9.8Higher | 9.4 |
| Trust | 8.6 | 9.0Higher |
Availability and regulation
| Country | EstateGuru | ICICI Bank |
|---|---|---|
| Estonia | Not confirmed | |
| Finland | Not confirmed | |
| India | Not confirmed | |
| Lithuania | Not confirmed |
Where they rank in our lists
| Ranking | EstateGuru | ICICI Bank |
|---|---|---|
| Savings | 37 of 1492 | 32 of 1492 |
| Loans | 882 of 2043 | 124 of 2043 |
| Mortgages | 15 of 853 | 13 of 853 |
Also worth a look
Plazo ES has headline rate at 24.19%, against 7% for EstateGuru and 2.5% for ICICI Bank.
Plazo ES reviewEvery fact side by side
| Fact | EstateGuru | ICICI Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Estateguru OU | ICICI Bank Ltd. |
| Headquarters | Estonia | India |
| Founded | 2013 to 2014 | 1994Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre, Chat |
Mortgages
| Fact | EstateGuru | ICICI Bank |
|---|---|---|
| Initial rate | 7.2%Lower | 7.55% |
| Fixed period | 3 years | Not confirmed |
| Maximum loan to value | 75% | 80% to 90%Higher |
| Purpose | Not confirmed | Purchase, Remortgage |
| Lender type | Not confirmed | Direct lender |
Loans
| Fact | EstateGuru | ICICI Bank |
|---|---|---|
| APR | Not confirmed | 9.99% to 16.5% |
| Loan amount | Not confirmed | ₹50,000 to ₹5,000,000 |
| Arrangement fee | Not confirmed | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Instant disbursement |
| Features | Not confirmed | Rewards |
| Free early repayment | Not confirmed | No |
| Eligibility | Not confirmed | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | Not confirmed | 2% |
| Loan types | Not confirmed | Personal, Debt consolidation |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Where each stands against the rest
| Fact | EstateGuru | ICICI Bank | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | 2.5%below the median | 3.3% |
| Term | Not confirmed | 12 to 72 monthsabove the median | 60 |
Median across 710 listed providers.
Pros and cons
EstateGuru
Pros
- A fixed rate of 7% held for the whole term
- Interest is credited to the account every month
- Deposits sit under EU DGS up to EUR 100,000
Cons
- Cash in the notes stays in place for the full term, with the rate held at 7% throughout
- The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
- An Estateguru account with completed identity checks is required before you can hold notes
ICICI Bank
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
Who each suits
EstateGuru
Who it suits
- Lenders who want a fixed rate and can leave the cash in place
- Property investors who prefer monthly income from loans that run to term
- Savers with €100 or more who weigh cover above access
Who should look elsewhere
- Anyone who may need the money back before the term ends
- bunq, whose 3.01% pays less but keeps the balance open
- Wise, whose 3.29% suits everyday cash rather than a fixed note
ICICI Bank
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
Current offers
ICICI Bank
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | EstateGuru | ICICI Bank |
|---|---|---|
| India | No | Yes |
Questions about each
EstateGuru
What rate does EstateGuru pay on its notes?+
The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.
Is my money protected at EstateGuru?+
Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.
ICICI Bank
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
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