Apply ICICI Bank Personal Loan for 72 Months

@ 10.25%

ICICI Bank Personal Loan Special Features

Apply ICICI Bank Personal Loan for 72 Months

@ 10.25%

ICICI Bank Personal Loan Special Features

*Know Your EMI Per Lac

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Apply For ICICI Bank Personal Loan

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Features of ICICI Bank Personal Loan

Nil Closer on Any Loan Amount After 12 EMI’s
No Physical Documents Required & No Address Proof Required but Aadhaar OTP is Mandatory
No PhyFastest Personal Loan Approval
Maximum Loan Amount: Get the maximum loan amount up to 50 Lacs.
Attractive Interest Rate:The interest rate is the amount that is charged on the principal amount by the bank to a borrower for the use.
Processing Fees: Rs. 4999/- + GST

Benefits of ICICI Bank Personal Loan

Flexible Repayment:At ICICI Bank, Personal Loan borrowers enjoy flexible repayment to choose tenure and amount of their choice. Loan tenure starts from 1 year to 6 years.
Minimum Documentation: Applying for ICICI Bank Personal Loan is a hassle-free process which requires minimum documentation for loan approval.
No Security/ Collateral required: ICICI Bank provides Personal Loan to the borrower without any security (residential/commercial property as collateral) or collateral.
Quick Processing Time:After the document is submitted then the loan approval process starts by the bank and verifies the document and also considers the borrower's financial situation before the loan approval. It generally takes 3 to 5 working days.
Credit Shield which is the Loan Protection Program.
- Opt for top-up loans at attractive interest rates and achieve the increased requirement for money easily. You can either consolidate it with an existing personal loan or treat it as a separate loan.

About ICICI Bank

ICICI Bank provides a wide range of Personal Loans especially crafted for its customers. A Personal Loan from ICICI Bank can be utilized for various purposes such as a Children’s Education, Wedding Expense, Home Renovation, Medical Emergencies, to finance a dream vacation of one kind or Starting a Business or even for closing any other Financial Liabilities. Applying for ICICI Personal Loans are easy to get and absolutely hassle-free services. With simple documentation, you can now get a loan for an amount up to Rs. 20 lakh at Attractive Rate of Interest.

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Personal Loan

In ICICI Bank Personal Loan process is easy and simplified. There are no extraordinary documents required for application and the list of documents required at the time of application and also post sanction of the ICICI Bank Personal Loan is easily available for customers.

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ICICI Personal Loan Eligibility Criteria

Eligibility Criteria for ICICI Bank Personal Loan

Salaried Doctors, CAs, salaried employees of MNC, Private Ltd., Public Sector Undertakings, Including Central, State and Local Bodies. LLP Companies, Partnership and Proprietorship
Salaried Individuals between 21 and 58 years of age
Salaried Individuals who have had a job for at least 1 year.
Those who earn a minimum of Rs. 25,000 net income per month.

Age -21 To 58 Years
Income - For ICICI A/C Holder >25000/- Monthly NTH, For Non ICICI A/C Holder 30000/- Monthly NTH
Co-Applicant - Not Required
Loan Tenure - 12 To 72 Months
Loan Amount - 1 To 50 Lacs
Employment/Business Continuity - 1 Year Total Job Continuity Require
CIBIL Score - Min. 720 or 0/-1
Eligibility - Can Avail 30 Times of Net Salary*, Spouse Income can be Clubbed*

ICICI Bank Personal Loan Balance Transfer

Personal loan balance transfer is a process by which a borrower transfers an outstanding principal of a personal loan from one lender to ICICI Bank. Borrower can avail facilities like Lower Rate of Interest means Lower EMI, Longer Repayment Tenure, Avail Additional Features, Top-up Loan Facility & Better Services.

Rate of Interest - 10.25% To 14% floating
Loan Processing Charges - Rs. 4999/- + GST
Cheque Bounce Charges -Rs. 500 + applicable GST
Cheque/ Instrument Swap charges - Rs. 500/-
Prepayment/ Foreclosure Charges -Foreclosure Charges Not Applicable After 12 EMI of Any Loan Amount
Duplicate Statement Issuance Charges -Rs. 250/-
Duplicate Amortization Schedule Charges - Rs. 250/-
Duplicate Interest Certificate - NA
(Provisional/ Actual) issuance Charges - NA

ICICI Bank Personal Loan Eligibility Criteria - for Salaried Professional

Salaried Doctors, CAs, salaried employees of MNC, Private Ltd., Public sector undertakings, including central, state and local bodies
Salaried Individuals between 21 and 58 years of age
Salaried Individuals who have had a job for at least 1 year.
Those who earn a minimum of Rs. 25,000 net income per month.

Fee	Amount to be Paid
Rate of Interest	10.25% To 16.75% floating
Greater Than50,000 (Non. Govt.Employees)	10.50%
Loan Processing Charges	Rs. 1999/- To 2.50% + GST
Cheque Bounce Charges	Rs. 200 + applicable GST
Cheque/ Instrument Swap charges	Rs. 500/-
Prepayment/ Foreclosure Charges	After 12 EMI's Nil Four Closure Charges on Any Loan Amount After 3 EMI's 3% Four Closure Charges on Any Loan Amount
Default Interest Rate	24% per annum
Duplicate Statement Issuance Charges	Rs. 250/-
Duplicate Amortization Schedule Charges	Rs. 250/-
Duplicate Interest Certificate	NA
S(Provisional/ Actual) issuance Charges	NA

Document Required for Salaried Individuals

Application Form with 1 Passport size Photo
Proof of Identity: PAN Card / Aadhaar Card, Valid Passport, Ration Card
No Address Proof Required (Mobile No. Should be Linked with Aadhaar Card)
3 Months Bank Statement of Salary Account
Latest 3 Month Salary Slips
Form 16 / Office I-Card
1 Year Job Continuity Proof

	Salaried	Professional
Age	23 To 58 Years	25 To 65 Years
Loan Amount	1 To 50 Lacs	1 To 25 Lacs
Tenure	12 To 72 Months	12 To 60 Months
Rate of Interest / APR [Annual Percentage Rate]	10.25% To 22.50%	NA
Features	Prepayment of the loan is possible after 3 EMI	Prepayment of the loan is possible after 12 EMI
Processing Fees	Rs. 3000/- to 1% of the Loan amount + GST	2%
Special	Privileged Rates to ICICI relationship; Loans to non listed companies/ No CIBIL	Max Loan Amount
Documentation	KYC'S & Financial	ITR Plus Professional Degree.
Eligibility	ICICI Bank Personal Loan Eligibility Criteria for Salaried Individual 50% of Net Take Home Salary as Maximum Loan EMI Per Month [Approx Rs. 2200/- Per Lac is per Month EMI]	Up to Professional Fees receipt or 25 Lacs whichever is lower.

General Information

Loan Amount: Rs. 1 Lac to 50 Lacs

Rate of Interest (APR)*:10.25% to 14%

Repayment Tenure: 12 Months to 72 Months

Processing Fees: Rs. 4999/- + GST as applicable

Prepayment/ Foreclosure: Nil Closer on Any Loan Amount After 12 EMI’s

Illustration:Rs. 1 Lac loan on 10.25% with processing Fees for 72 Months comes to Rs. 1,34,296/- Equated Monthly Installment shall be: Rs. 1,865/- only.

* APR - Annual Percentage Rate

* Terms and Conditions Apply

Different Purposes of Axis Bank Personal Loan

Wedding Expenditure

Marriages are made in heaven and its celebration is one of the happiest and memorable events for married couples and their families. Wedding loans are available to people looking to meet their wedding expenses in order to make the wedding a grand success.

Medical Emergencies

A Medical Loan is extended by a bank or a financial institution under the category of personal loans. A medical loan can be used for multiple emergency purposes such as an operation, surgery, procedure, therapy or for any concern related to health.

Balance Transfer

Balance transfer is the process where a customer transfers his outstanding principal amount to another bank or financial institute primarily for a better rate of interest and also for better features. Balance transfer reduces your interest rates and finally ensures savings.

Credit Card Payment

The Credit Card Payment Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.

Travel & Tourism

Travel loan is a kind of Personal Loan that you can apply while planning a trip. It can help to cover the costs associated with your holiday, such as airfares, accommodation, hotel fares, tour packages, travel gears/accessories, or any other type of expenses associated with your travel.

Home Renovation

Home is the place where your story generates. Home Renovation Loans are designed for the purpose of renovating a house and can be taken by a person who owns the property to be renovated.

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