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ICICI Bank Personal Loan

Dreaming of a vacation, a perfect wedding, home renovation or a much desired gadget,you no longer need to wait to realize your dreams. Make life picture perfect with ICICI Bank Personal Loans.

Benefits of ICICI Bank Personal Loan

Interest rate remains unchanged throughout the loan tenure

• Simple documentation - It can be accessed with minimal paperwork and documentation and doesn’t take much time.
• Quick processing
• Direct credit of the loan amount through Fund Transfer (FT)
• Simple repayment options of ECS, AD or PDC. You can also choose duration as per your choice and tenure starts from minimum 12 months to maximum 60 months

Personal Loan Eligibility

Salaried

• Be 23-58 years of age.
• Have had a job for at least 2 years, and a minimum of 1 year with your current employer
• Be earning at least per month net income (Rs. 25,000/- in Delhi, Gurgaon, Noida, Faridabad, Ghaziabad)

Self Employed

• Be 28 years of age. (Maximum age - 65 years)
• Minimum Turnover Rs. 40 lakh for non-professionals; Rs. 15 lac for professionals; as per audited financials
• Business Stability at least 5 years
• 1 year liability relationship with ICICI Bank(current or savings account) or Asset relationship (loan) either live or closed in the last 36 months; repayment track as required

Documents Required for Personal Loan

Salaried

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

Self-Employed

KYC Documents Proof of Identity; Address proof; DOB proof.
Proof of Residence Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).
Proof of Income 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.

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Interest Rates & Charges

Personal loan Interest Rates & Charges

Interest Rate
13.00% to 18.00%
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