How to take loan with ICICI Bank Personal Loan

ICICI Bank Personal Loan

How to take loan with ICICI Bank Personal Loan

Hello friends, welcome to our another post in which we are going to talk about ICICI Bank, how you can take a personal loan through this bank and the personal loan that will be given to you by ICICI Bank can be up to Rs. 25,00,000

Why ICICI Bank Personal Loan

If you take a loan from ICICI Bank, then this company can give you a personal loan up to Rs 25 lakh, that too without any Guarantee . Unlike other banks you do not need someone else having bank account in the same bank to testify for you.

Secondly friends, you would get 12 months to 72 months to repay the loan here. 72 months means you are going to get up to 6 years from here.

Who can take loan from ICICI Bank?

By the way, this loan is available for both salaried and self employed. So let’s talk first of all for the salaried people-

  • If you are a salaried people, then your age should be at least 23 years to 58 years.
  • Those who want to take loan then their monthly salary should be 30,000.
  • Where you work, you must have been working for the last two years.
  • Apart from this, the place where you are living should be permanent for the last one year.
  • Apart from this, in whose name you want to take this loan, its cibil score should be good, only then you will be able to get the loan from here.

Friends, before giving a bank loan here, it also checks whether you have already taken any loan, if you have taken a loan, since when you have taken it and how much loan has been paid, all this bank will check. Along with this, the bank also checks that if you take a loan now, will you be able to repay it on time or not. So friends, this is the eligibility process which people work on salary.

Let us now talk about what should be the eligibility of those people who are self employed and want to get instant loan –

  • If you are a self employed people then your age should be at least 25 to 65 years.
  • Also here your annual turnover should be Rs 15 lakhs only then you will be able to get personal loan
  • Along with this, the bank also checks your profit which should be more than two lakh rupees.
  • Here your business stability will also be checked which should be of five years.
  • Also your account should be one year old.

How much interest will be charged by ICICI Bank Personal Loan?

Friends, you will get at least 10.50% interest per month on the amount you take loan through this application. The amount of this interest depends on the amount of loan you take. Apart from this, the tenure rate of the amount you will take on loan will be from 12 months to 72 months.

What documents are required to take loan from ICICI Bank Personal Loan?

First of all know that from which documents will the salaried people have to give –

  • two passport size photographs
  • Aadhar Card, Driving License, Voter Card etc. as ID Proof
  • For address proof, you can give your Aadhar card and PAN card.
  • Also, friends, you also have to give the bank statement of the last three months here.
  • Along with this, you will also have to give the salary slip of the last three months.

Now let’s talk about self-employed, what documents will they have to give-

  • Aadhar Card, Driving License, Voter Card etc. as ID Proof
  • For address proof, you can give your Aadhar card and PAN card.
  • You have to give income returns for the last two years.
  • Also, friends, you also have to give the bank statement of the last three months here.
  • Also you have to give your office address
  • Also you have to tell how many years you have been doing less.

 

Friends, in today’s post, that’s all, today we learned how you can take a loan from a great loan company called ” ICICI Bank Personal Loan”. We have provided you with detailed information regarding required documents, eligibility criteria and others necessary information for making things easy for you.

If you have any other question or any other suggestions do write to us or comment below. Stay safe and see you in our next post.

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