ICICI Bank Personal Loan

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ICICI Bank Personal Loan

WHY ICICI BANK PERSONAL LOAN

Fast Approvals: Get a loan within 72 hours* of submitting your documents.

Convenient: Minimum documentation. No security or Guarantor required.

No Hassles: Online Application facility for personal loans, know your eligibility in less than 60 seconds. Finalize your EMI using online EMI Calculator, before you apply.

Want to go on a dream vacation or want to buy a new LED TV. Plan your perfect wedding or your dream home makeover without any worries of the budget. Turn all your dreams reality with ICICI Personal Loans.

ICICI Personal loan Documents

Documents Required for ICICI Personal Loan

No lengthy documentation process, its fast, its simple and its as easy as 1, 2, 3…

ICICI Bank provides you with personal loan to fulfill your dreams with minimum documentation*:

List of documents for Salaried

  • Identity Proof:- Passport / Driving License / Voters ID / PAN Card (any one)
  • Latest 3 months Bank Statement (where salary/income is credited).
  • Proof of Residence:- Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).
  • 2 Passport Size photographs
  • Salary slips for last 3 months.

List of documents for Self-Employed:

  • KYC Documents: Proof of Identity; Address proof; DOB proof.
  • Income proof (audited financials for the last two years).
  • Proof of Residence:- Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).
  • Latest 6 months Bank statement.
  • Office address proof.
  • Proof of continuity of business
  • Proof of residence or office ownership.

ICICI Personal Loan Eligibility

Eligibility Criteria for ICICI Personal Loan

Eligibility Criteria for Salaried Person

Criteria* Salaried
Age
  • 23 years – 58 years.
Net Salary**
  • Salaried individuals; minimum monthly income Rs.17,500
  • 25,000 for applicants residing in Mumbai & Delhi;
  • 20,000 for applicants residing in Chennai, Hyderabad, Bangalore, Pune & Kolkata)
Total years in job/profession
  • 2 Years
Years in current residence
  • 1 Year

Eligibility Criteria for Self Employed Person

Criteria* Self Employed
Age
  • 28 years (self employed individuals)
  • 25 years (for doctors); Maximum age – 65 years
Minimum Turnover
  • 40 lakh for non-professionals; Rs. 15 lac for professionals; as per audited financials
Minimum Profit After Tax
  • 2 lac for Proprietorship Firm/Self employed Individuals
  • 1 lac for non-professionals as per audited financials
Business Stability
  • In current business for at least 5 years
  • Minimum 3 years for doctors
Existing relationship with ICICI Bank
  • Minimum 1 year liability relationship (current or savings account)

OR

  • Asset relationship (loan) either live or closed in the last 36 months with repayment track
* Interest rate can vary as per individual’s portfolio.
* All loans repayment period are over 6 months. No short term loans.
* Credit at sole discretion of the Banks we have a tie-up with.
* The Organisation do not charge money from customers.