ICICI Personal Loans

ICICI Personal Loans:

ICICI provides personal loans to assist people to fulfil their needs. Please follow below link for apply personal loans in ICICI : http://www.icicibank.com/Personal-Banking/loans/personal-loan/apply.html

Key Benefits and Feratures:
  •       Loan up to Rs. 15 Lakhs
  •       No security/guarantor required
  •       Faster processing.
  •       Minimum documentation
  •       Attractive rates of interest
  •       Flexible repayment option of 12-60 months

Criteria-    Salaried Employees
Age     23 years - 58 years.
Net Salary-    Salaried Individuals with minimum monthly income - Rs. 20,000 p.m.
(Rs. 25,000 for customers residing in Mumbai and Delhi)
Eligibilty     ICICI Bank Salary Account Holder,
Customers having asset relationship with ICICI Bank (availed Home Loan, Car Loan and/or Auto Loan),
Salaried customers with ICICI Bank Savings Account or
Salaried customer having no relationship with ICICI Bank.
Years in total job / profession     2 Year
Years in current residence     1 Year

The minimum salary requirement will differ depending on the profile (Type of employer, having relationship with ICICI Bank etc.) of the customer.

Criteria-Self Employed
Age     28 years (self employed individuals) and 25 years (for doctors); Maximum- 65 years
Minimum Turnover     Rs. 40 lac (for non-professionals), Rs. 15 lac (for professionals) as per audited financials
Minimum Profit After Tax     Rs. 2 lac (for Proprietorship Firm/Self employed Individuals) and Rs. 1 lac (for non-professionals) as per audited financials
Business Stability     In current business for at least 5 years and minimum 3 years for doctors.
Existing relationship with ICICI Bank     Minimum 1 Year liability relationship (current or savings account) or asset (loan) relationship, either live or closed in the last 6 months.

Required Documents :

List of documents for 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).
    Latest 3 months Bank Statement (where salary/income is credited).
    Salary slips for last 3 months.
    2 Passport Size photographs.

List of documents for 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).
    Income proof (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.