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.