ICICI BANK
Personal Loan
One of the most convenient personal loan offers by ICICI Bank is the online personal loan that can be applied for and approved within 24 hours.
ICICI Bank Personal Loan Details
| Location | PAN INDIA |
|---|---|
| CIBIL Score | 700+ |
| Minimum Salary Per Month | 30000/-Existing Account Holder Per Month 35000/- Listed Company Per Month 40000/- Non Listed Company |
| Salary Mode | NEFT,RTGS &COMPANY TRANSFER |
| Applicant Age | 23 Year to 60 Year |
| Loan Amount & Tenure | 1 Lac to 1 Cr (12 months to 72 Month) |
| Rate of Interest (Type) | 10.5% to 15% (Reducing) |
| Processing Fees | 0.75% - 3% |
| Processing Mode & TAT | Processing: Online TAT: 2 Day to 7 Days |
| Foreclosure Charges | 5% + GST ABOVE 10 LAC NIL CHARGES |
| Part Payment Allowed | NO |
| OD Product | NO |
| Minimum Job Experience | Current Employer Business Vintage |
| Current Employer Business Vintage | 5 Year |
| Whether Co-Applicant Mandatory | No |
| USP | Funding to NRI Employee |
| Negative Profile | 1. Employee whose Salary receive in Cash, UPI & IMPS 3. NGO Employee, Real Estate Employee, 4th Grade Employee, Jewellers Employee |
REQUIRED DOCUMENTS TO APPLY FOR ICICI BANK PERSONAL LOAN
- KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
- Last 3 month Salary Slip
- Last 6 month Bank Statement in PDF
- Form 16 of last 2 year
- Rent Agreement if rented or Utility Bill if residence is owned
- Sanction Letter of all current running loan if any
- Office ID Card or Official EMAIL ID if any
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ICICI Bank Personal Loan Details
A personal loan is an unsecured loan that you can get from a bank or financial organization to help you meet your financial obligations
You can apply for an ICICI personal loan from ReferLoan’s website. You just need to visit our website and choose the ICICI personal loan from the dropdown menu. Then you need to fill in your mobile number and OTP to start with the application process.
ICICI Bank allows foreclosure of the personal loan at any time during the loan tenure after at least one installment is paid by the borrower. You have to pay 3% of the loan amount that is outstanding after the payment of the EMIs, along with taxes, before closing your loan as preclosure charges.
You will have to pay ICICI bank personal loan monthly with the salary you would be getting from your employer or whatever you earn.
For ICICI and personal loans, it is not mandated to have a security or a guarantor. Personal loans are provided to defined categories of salaried and self-employed individuals. You do not need to reveal to the bank the reason for taking the loan.