How to get ICICI Bank Personal Loan ?

Friends, today through this article we will give you information about how to get ICICI Bank personal loan , features and benefits of personal loan, interest rate of ICICI Bank  Personal Loan, loan tenure , and which documents will be required to take ICICI Bank Personal Loan, we will provide all this information to you through this post.

ICICI Bank Personal Loan Highlights

Loan name ICICI Bank Personal Loan
Bank ICICI Bank
Loan amount 20 lakh rupees
Loan type Fresher Funding, Home Renovation Loan, Wedding Loan, Holiday Loan, Top Up Loan and NRI Personal Loan
Rate of interest 10.75% to 19% p.a.
Loan tenure 12 to 60 months
Official website

Features of ICICI Bank Personal Loan. Features

  • You can easily get a loan from ICICI Bank at low interest rates.
  • This bank provides Instant Personal Loan to both salaried person and self employed.
  • You can get a loan up to Rs 20 lakh from this bank.
  • The interest rates remain unchanged during the entire loan tenure.
  • The bank gives you a tenure ranging from 12 months to 60 months to repay the ICICI Bank Personal Loan.
  • You can take a personal loan for personal purposes like wedding expenses, traveling, higher education, etc.
  • To take ICICI Bank Personal Loan, you do not have to give any kind of guarantor to the bank.
  • Provides you bank loan in very few documents and at a very short time.
  • If your loan is approved, then in just 3 seconds the bank transfers the amount to your account.
  • The bank gives you the facility of direct credit of the loan amount through Fund Transfer (FT).
  • You are given 12 months to 60 months to repay the loan. In this period, you can select the period to repay the loan as per your wish.
  • At present, the bank provides you loan at interest rates of 10.75% to 19% per annum.
  • If you are a salaried person and your salary account is ICICI Bank, then your chances of getting a loan increase.
  • There are many types of ICICI Personal Loan – Marriage Loan, Home Renovation Loan, Holiday, Fresher Funding, Top Up Loan, NRI Personal Loan

Types of ICICI Bank Personal Loan

ICICI Bank provides various types of personal loans to people. You can know about ICICI Bank Personal Loan from here. ICICI Bank Personal Loan are of the following types:

  1. Wedding Loans
  2. Holiday Loan
  3. Fresher Funding
  4. NRI Personal Loan
  5. Top Up Loan
  6. Home Renovation Loan

Eligibility for ICICI Bank Personal Loan.

ICICI Bank Personal Loan Eligibility

You can apply for this loan only if you are eligible for personal loan. You can also calculate your eligibility with the help of Eligibility Calculator by visiting the official website of the bank. Here is the eligibility to apply:

Eligibility for Salaried :

  1. The age of the applicant should be from 23 to 58 years.
  2. The minimum monthly income of the applicant should be Rs.30,000.
  3. You have been working for at least 2 years.
  4. Where you are giving the current address, you have been living there for at least 1 year.
  5. Your CIBIL Score should be good.

Eligibility for Self Employment:

  1. The age of the applicant should be between 25 years to 65 years.
  2. Minimum turnover – Rs 15 lakh (for professionals), Rs 40 lakh (for non-professionals)
  3. Must have minimum profit – at least Rs 2 lakh (for professionals), Rs 1 lakh (for non-professionals)
  4. Business stability – At least 5 years of self employed and minimum 3 years for doctors
  5. Your savings account or current account should be in ICICI Bank for at least 1 year.

Documents required for availing Personal Loan from ICICI Bank.

ICICI Personal Loan Documents

Documents for Salaried person

  • Proof of Identity (Passport / Driving License / Voter ID / PAN Card)
  • Proof of Residence (Leave and License Agreement / Utility Bill (not older than 3 months) / Passport)
  • Latest 3 months bank statement (where your income/salary comes from)
  • 2 passport size photographs
  • Last 3 months salary slip

Documents for self employed

  • KYC documents (proof of identity, proof of address, proof of date of birth)
  • Income proof for the last two years
  • Proof of Residence (Leave and License Agreement / Utility Bill (not older than 3 months) / Passport)
  • Latest 6 months bank statement must be given
  • proof of ownership of residence or office
  • Office Address Proof
  • proof of business continuity

How to apply for ICICI Bank Personal Loan?

If you fulfill all the conditions of this loan, then you can apply for it both online and offline. Follow the steps given below to apply:

ICICI Bank Personal loan online apply

  1. Friends, to apply online, you must first visit the official website of the bank, .
  2. After coming to the website, click on the option of Personal Loan in the option of Loans.
  3. To apply, click on the option of Apply Now.
  4. After clicking, a form will open in front of you.
  5. In this form, you have to enter all the information sought correctly and click on submit.
  6. After you submit the form, the bank officials will contact you and the loan process will be continued further.
How to apply offline?
  1. You have to visit your nearest bank branch to apply offline.
  2. From there you will have to take the personal loan application form.
  3. Enter the information sought in the form correctly, attach your documents and submit the form there.
  4. Your application form will be verified by the concerned officer.
  5. If you are found eligible, your loan will be approved and the loan amount will be transferred to your account.

How to check ICICI Bank Personal Loan Application Status?

  • First of all, you have to visit the official website of the bank.
  • After visiting the website, select the option of personal loan.
  • After that you will see the option of Track your application status ( click on it.
  • A form will open in front of you. In this you have to enter the requested information such as mobile number, name of the applicant, date of birth etc. correctly and click on continue.
  • After clicking, the status of your application will appear in front of you.

Benefits of ICICI Bank Personal Loan. Benefits

  1. If you are in dire need of money, then you can take advantage of a personal loan.
  2. Anyone can apply for a personal loan.
  3. You can apply for a personal loan for wedding expenses, for touring, for buying household items, etc.
  4. You can avail a personal loan of up to Rs 20 lakh from ICICI Bank for your needs.
  5. If your loan is approved, then the loan amount is transferred to your bank account in just 3 seconds.
  6. You will not have to reach out to others for money.
  7. You can use the amount available under personal loan anywhere.

ICICI Bank Personal Loan Customer Care Number

If you are facing any kind of problem in personal loan from ICICI Bank, then you can talk to ICICI Bank Personal Loan Customer Care. You can find customer care here:

  • Personal Banking : 1860 120 7777
  • Wealth / Private Banking : 1800 103 8181
  • Corporate / Business/ Retail Institutional Banking : 1860 120 6699

FAQs : ICICI Bank Personal Loan

1. What is the maximum personal loan amount in ICICI Bank?
A- 20 lakh rupees.

2. What is the ICICI Personal Loan interest rate?
A- 10.75% to 19% p.a.

3. How long does it take to get a Personal Loan from ICICI Bank?
A- It may take up to 2 to 3 days. But if your loan is approved, then the loan amount is transferred to your account in just 3 seconds.

Leave a Comment