This offer is available only if all necessary documents are uploaded online

• No Balance Transfer
• Part – payment not available

 
Documents

• KYC - PAN, address and ID proof
• Income proof, bank statement and a photograph

 
Benefits

• Conditional pre-closure after 1 year
• Door step service
• E-approval
• No guarantor required

 
Pre-closure Fee
4% of principal outstanding (plus applicable tax) in 2nd year. 3% (plus applicable tax) in 3rd year & 2.5% (plus applicable tax) afterwards

Part-payments
Part-payments can be made only after 12 months. For part payments between 13 to 24 months, a fee of 4% is applicable on the part-payment amount. 3% is applicable on payments between 25 to 36 months. 2% is applicable post 36 months
Part-payments are allowed only twice during the loan tenure and once a year. The amount cannot exceed 25% of the principal outstanding
 
Eligibility Criteria

• Salaried - Age at least 21 and less than 60
• Self-employed - Age at least 21 and less than 65
• Applicant should be earning at least Rs.20,000 per month as net income (Rs.25,000 for applicants from Madhya Pradesh)

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This offer is available only if all necessary documents are uploaded online

• No part-payment facility

Documents Required

If you are a salaried applicant, here are the documents you need to submit for a personal loan from ICICI Bank:

• ID Proof: Any one of PAN card, driving license, passport, or voters ID
• Residence Proof: Any one of passport, recent utility bills, or lease or rent agreement
• Salary slips for the last 3 months
• Bank statement for the last 3 months
• 2 passport size photographs

Documents required for ICICI Bank personal loans for self-employed individuals:

• KYC Documents: ID proof, residence proof, proof of date of birth
• Income Proof: Audited financial statements for the last 2 years
• Proof of office or residence ownership
• Proof of office address
• Bank statements for the last 6 months
• Proof of continuity of business

Benefits

• Disbursal within 3 seconds.
• The interest rate will remain fixed for the entire tenure of the loan.
• Loans of up to Rs.50 lakh.
• Minimal documentation.
• Flexible repayment tenures.
• “T&C; apply.*Applicable for pre-approved customers upon completion of online verification and acceptance of the final offer, subject to the sole discretion of ICICI Bank.”

Fees & Charges

• Processing Fee – 2.50% + GST
• Foreclosure Chareges  - 3% of the outstanding loan amount
• Late Payment Fee – 2% of the overdue amount per month

Eligibility for Salaried professionals

• Age – 23 years to 58 years
• Net Salary - Salaried individuals with minimum monthly income Rs.30,000
• Total years in job/profession - 2 Years

Eligibility for self employed

• Age28 years (self employed individuals) and 25 years (for doctors)
• Maximum age - 65 years Minimum
• TurnoverRs. 40 lakh 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 relationship (loan) either live or closed in the last 36 months; repayment track as required.

This offer is available only if all necessary documents are uploaded online

• No part-payment facility

Documents Required

• KYC Documents – Aadhar card / Pancard / Passport / Voters’s ID
• Employee ID Card
• Salary Slip of last 3 Months
• Bank Account statements of the previous 3 months

Benefits

• Loan of upto 35 lakhs
• Tenure of upto 84 months
• No Guarantor / Collateral
• No Hidden Charges
• Offers for new customers

Fees & Charges
Prepayment of the loan is possible any time during the loan tenure, subject to the payment of standard pre-closure charges of 5% + GST
The waiver, if any, of the prepayment charges will be applicable provided that the customer has paid 12 or more EMIs and the pre-payment of the loan is done using the customer’s own funds (Waiver on pre-payment charges is not applicable in cases of balance transfer)
The facility of part pre-payment is not available.

Eligibilty

• Age – 21years to 67 years
• Salary – Salaied Individuals with minimum monthly income Rs.22,000 based on the state you live in.
• Total Years in Job/Profession – 2 years
• Years in Current Residence – 1 year
• CIBIL Score – 750 or above
• Employed with – Public, Private or MNC   

Documents required

• Photo ID proof
• Current address proof
• Last 3 months bank statement
• Last 3 months salary slips
• Passport-size photograph

Benefits

• No Hidden Charges
• Door step Facility
• E – Approval
• No Gurantor required
• Balance Tranfer

Fees and Charges
Preclosure Fee - 3% to 7% of principle outstanding (plus applicable tax)

Eligibility

• Age Limit – 21 years to 65 years
• Salaried Individuals with net salary income of Rs15000 & above
• Salaried Individuals residing in metro cities with net salary income of Rs20000 and above is required

Features:

100% Online Process.

Minimum Documentation

Pricing:

Interest rate:Starts from 11% P.A.

Processing fee: Upto 3%

Documents Required:

ID Proof

Address Proof

Bank Account Details with E-Mandate Facility.