Loan4Wish A-64, Sec-63, Noida (U.P.).
ICICI Bank offers wide variety of loans products to suit your requirements. ICICI Bank personal loans are easy to get and absolutely hassle free. With minimum documentation you can now secure a Loan for an amount upto Rs.20 lakhs. An ICICI Bank Personal Loan is your one-stop-shop for fulfilling all your financial aspirations!
Features and benefits of ICICI Personal Loan
|1. No Hidden cost.
2. Fast processing.
3. Attractive rate of interest with lowest emi.
4. No security/ no guarantor required.
5. Flexible repayment options of 12 -60 months.
ICICI personal loan details:
|Lowest Interest Rate||11.25%||13.50%|
|Processing Fee||Starting from 0.99%, Up to 2.25%||Starting from 0.99%, Up to 1.75%|
|Loan Tenure||12 months to 60 months||12 months to 60 months|
|Loan Amount||₹ 50,000 to ₹ 30 Lakh||₹ 1 Lakh to ₹ 40 Lakh|
|Part Prepayment Charges||Not allowed||Not allowed|
|Preclosure Charges||Allowed after 6 EMI’s, 5%||Allowed after 6 EMI’s, 5%|
Current interest rates on ICICI Bank Personal loans – September, 2019
|Interest Rates||Pre Payment
(Salary Above 75,000)
(Salary 50,000 -75,000)
(Salary 35,000 – 50,000)
(Salary 20,000 -35,000)
11% – 14.99%
(Special rates for Loan Amount b/w 5 lacs – 20 lacs)
11.29% – 11.7%
(BT rates for listed company)
|Rs.999 for Special offers otherwise 1% – 2.5%||Rs.999 for Special offers otherwise 1% – 2.5%|
|Eligibility Criteria||Salaried||Self Employed|
|Age||23 – 58 Years||25 – 65 years|
|Salary||Minimum 20,000 pm (Rs.25,000 for customers residing in Delhi & Mumbai) (Listed Companies)
Rs. 40,000 for Non-Listed Companies in All Locations
|Rs.40 lac for non professionals, Rs.15 lac for professionals|
|Profit After Tax||Rs.2 lac for prop firm/self employed individuals, Rs 1 lac for non professionals|
|Eligibility||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
|Minimum 1 Year liability relationship (current or savings account) or asset (loan) relationship, either live or closed in the last 6 months.|
|Years in total job / profession||2 Years||3 years for Doctors & 5 years for others|
|List of documents for Salaried:||List of documents for Self-Employed:|
Prepayment of loan: Yes, you can prepay the entire loan outstanding anytime after paying 6 installments.
How much time will it take for my loan to be approved?
Loans are approved within 72 hours of submission of complete documentation.
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