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ICICI Personal Loan |
ICICI Personal Loan is one of the best available loan options that one can avail to fulfill a number of expenses. Whether you are thinking to renovate your home, buy a laptop or pay some pending bills, a personal loan from ICICI Bank is all that you need. Being one of the leading banks in India, ICICI Bank offers a number of personal banking products including personal loans. Meet all your financial needs without facing any hassles with a low rate ICICI Bank personal loan. The following are some of the stunning features that come with this loan program.
- Maximum loan amount of up to 10 lakhs
- No requirement for security or guarantor
- Fast loan processing
- Less paperwork and documentation
- Competitive interest rates
- Affordable repayment options ranging from 12 to 48 months
ICICI Personal Loan Rate
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ICICI Bank offers attractive interest rates for different borrowers with unique financial status. As personal loans are unsecured types of loan, they usually has slightly higher rate of interest. However, the basic determining factors include the loan amount, repayment term, credit rating of the borrower and his repaying ability. On the other hand, borrowers can use ICICI personal loan EMI calculator to find the loan term that they can afford. By entering details like the loan amount, rate of interest (% per annum) and the repayment term, one can calculate the EMI of the personal loan term. This tool helps the user to get more specific details of the loan program enabling him to choose the best affordable term.
ICICI Bank Personal Loan Eligibility
To obtain the personal loan amount, you are required to fulfill some eligibility conditions set by the personal loan department of ICICI Bank. You can get a personal loan from ICICI Bank only if you have a salary account with the bank and if you qualify the following preconditions;
- You must be a salaried individual
- Your age should be between 25 - 58 years
- Net monthly income should be of at least Rs. 20,000
- You should be an employee of Public Ltd Company, Government Company, Private Ltd Company an MNC company
- An experience of 2 years in your job is a must
- You must be living in your current residence for the past one year.
ICICI Personal Loan Application
In addition to the above eligibility criteria's, you must submit some documents along with your personal loan application form. Documents such as salary slips (for past 2 months), Identity proof (passport/voters ID/Pan card/driving license), Residential proof (utility bill/ration card/LIC policy receipt) and bank statement for the past three months must be enclosed at the time of application. ICICI Bank also provides option for online personal loan application through their website. One can also check their loan application status and get the personal loan customer care number to find details on loan settlement, pre closure and prepayment charges.
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