ICICI Bank

ICICI Bank

Overview

ICICI Personal Loans is provided only to an existing ICICI Bank customer. It is possible to secure a loan even without having to visit your bank branch. If you have been an ICICI Bank customer for the past 9 months, you might have a pre-approved loan offer waiting for you.

Loan Feature

Loan Amount Upto Rs 15,00,000/- depending on your eligibility, income and repayment capacity.
Interest Rate 14% to 19%
Tenure 12 to 60 months.
Pre Payment Charges Lower of the two amount :5% on the principal outstanding or Interest outstanding for unexpired period of the loan.
Service Charges

2% or 3 % depending on the location of loan amount + Origination Charges of 1.5% of loan amount

Eligibility Criteria : Personal Loan

  Salaried Self
Age 23 - 58 Years 28 years (self employed individuals) and 25 years (for doctors); Maximum- 65 years
Income Minimum monthly income - Rs. 20,000 p.m. (Rs. 25,000 for customers residing in Mumbai and Delhi) net profit after Tax - Rs. 2 lac (for Proprietorship Firm/Self employed Individuals) and Rs. 1 lac (for non-professionals) as per audited financials
Job Experience 1 Year in current Job / Profession N.A.
Residence Proof Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one). Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).

Docs Required : Personal Loan

  Salaried Self
ID Proof Passport / Driving License / Voters ID / PAN card Information Not Available
Address Proof Ration Card / Utility bill / LIC Policy Receipt / Passport Information Not Available
DOB Proof Birth Certificate or 10th Class Passing Certificate Information Not Available
Financial Docs
  • Latest 3 months Bank Statement (where salary/income is credited)
  • 3 Latest salary slips
                 * Conditions Apply

 

Income proof (audited financials for the last two years).
Latest 6 months Bank statement.
Office address proof.
Proof of residence or office ownership.
Proo* f of continuity of business.

 

Income proof (audited financials for the last two years).

Latest 6 months Bank statement.

Office address proof.

Proof of residence or office ownership.

Proof of continuity of business.

Other Charges : Personal Loan

Description of Charges Personal Loans
Charges for late payment 2% per month
Cheque Swap Charges Rs. 500/-
Cheque Return Charges Rs. 400/-
Duplicate Repayment / Amortization Schedule Charges Rs. 200/-
Statement of Account Charges Rs. 200/-
Foreclosure Statement Charges Rs. 200/-
Duplicate NOC Charges Rs. 500/-

Products offered by ICICI Bank

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