Now ICICI Bank is offering Personal loans up to 50 lakhs at the lowest interest rate. Interested customers can apply online for ICICI Personal Loan from the official website of ICICI. The ICICI Bank offers personal at the lowest interest starting from 10.80% per annum which goes up to 16.15% per annum.
If you want to take a personal loan for your marriage, medical emergency, or any other use, you can easily take a personal loan from the ICICI Bank. And one of the most important things about the ICICI Bank personal loan is that you can apply for it online yourself without going anywhere. There are some core benefits to ICICI Bank personnel.
ICICI Bank Personal Loan Benefits and Features
There are some core benefits and features of ICICI Bank Personal Loans. Here I have given some important features and benefits of this loan below in the lists:
- First of all, You can apply online for an ICICI bank Personal Loan from your home using your smartphone.
- You don’t have to pay any hidden charges and fees.
- You have to submit minimal documentation.
- You don’t have to submit any Collateral
- You have to pay a fixed interest rate.
- ICICI Bank offers personal loans at the lowest interest rate of 10.80% per annum.
- Also, ICICI Bank gives you too much time to repay your loan amount.
- You can convert your big loan amount in small EMIs.
Read Next- You Can explorer the SBI Bank personal loan.
ICICI Bank Personal Loan Eligibility
If you want to take a personal loan from the ICICI Bank. Then first you will have to check your eligibility criteria. Because the ICICI Bank has set some eligibility criteria for its customers. By which ICICI Bank selects its customers that who can avail of these personal loans. If you fulfill the eligibility criteria for ICICI Bank Personal Loan, then you can easily take the loan from the ICICI Bank. Here I have given the eligibility criteria for ICICI Bank Personal Loan below in the lists:
- Your age should be between 20 to 58 years. {If you are a salaried person then your age should be between 23 to 65 years }
- Your Net Monthly Income should be at least 30,000/.
- You should have at least two years of Experience in your current work or Job.
- Your Cibil score should be good.
Required Documents For ICICI Bank Personal Loans
When you go to apply for ICICI Bank Personal Loan, You will require some important documents. Here I have given those Required documents that will be used during apply application for ICICI Bank Personal Loans:
- Your Identity Proof documents such as Aadhar Card, Passport, Voter ID Card, Driving License, Job Card, etc.
- Your Latest Salary Slip
- Last Three months of Bank Statement where your salary is credited.
- Passport Size Photo
- PAN Card
- Email ID
- Mobile Number
If you are self-employed then you should have these documents given below:
- Identity Proof such as an Aadhar Card, Passport, PAN Card, Driving License, or any other verified identity proof documents including a Voter ID Card.
- Pan Card
- Last Six Months of Bank Statement
- Income Proof
- Your Work Office Address and Your Permanent Address Proof
- Proof of continuity of business
Read Next: Know everything about the PNB Bank Personal Loans.
Interest Rate for ICICI Bank Personal Loans
The rate of Interest can be different according to your loan terms. For example- If you are a salaried person and you have a good credit score then your interest rate can be the lowest. Apart from this your loan amount, loan tenure time, Your Salary, and your existing EMIs will also affect your Interest rates.
By the way, ICICI Bank generally takes an Interest rate of between 10.80% to 16.15% per annum. And it is important to note that ICICI Bank also takes Processing fees. The ICICI Bank takes 2% of the Processing fee of your loan amount. To Know More information regarding the Interest rate and Fees and charges regarding ICICI Bank Personal Loans, Visit the official portal of ICICI Bank.
How To Apply For ICICI Bank Personal Loan?
Above I have given important information regarding the ICICI Bank personal loan. If you have the above-required documents and eligibility criteria, then now you can apply for ICICI Bank Personal Loan. To Apply For ICICI Bank Personal Loan You can visit the Official Portal of ICICI Bank.
From there you can easily apply for a Personal Loan. There You will have to complete these five steps:
- Go To the official Portal of ICICI Bank, Click on the Personal Loan option from the Loans section of the Primary Menu. Now Click on the Apply Now Button.
- Now Select Your Loan Details such as your loan amount and tenure.
- Now You will have to submit your personal information and other required information that is asked by banks.
- After submitting all the required details, review your loan information such as loan amount and tenure.
- confirm your loan application and submit it. After the submission of your application, your loan amount will be credited soon your bank account soon.
If you face any kind of issue during apply application. You can contact the ICICI bank loan customer support team and they will help you to complete your loan application form. The ICICI Bank loan customer support team helpline number is 1800 1080/.
Read Next: Check Your ICICI Bank Personal Application Status Online.
Conclusion
Today in this article I have given important information regarding the ICICI Bank Personal Loan. I hope this article will be helpful for you. If this article is helpful for you, you should share this article with your friends and family. Thank You.
She is a professional writer, SEO Specialist, and Editor. She has completed her MBA in Marketing and Finance and now working at StatusCheck.co.in as a senior writer and editor. She has more than ten years of experience in Personal Finance, Marketing, article writing, and Banking Serices. She is able to describe and teach deeply about Personal Finance, and Banking Services to our readers. So We hope you all enjoy her articles.