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ICICI Personal Loan

Loan Name Interest Rate Processing Fee Loan Amount Tenure
ICICI Bank Personal loan 10.99% - 19.00%, Fixed 2.5% of loan amount + GST 20,00,000 1-5 Years
Details
Documents Required

For Salaried Individuals

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with recent passport size photographs
  • Proof of Income: Last 6 months Bank statement showing salary credits, latest Form 16 and Income Tax Returns, Recent 3 months Salary Slips
  • Bank statements for the last 6 months
  • Employment Contract / Appointment Letter in case if the individual is employed for less than a year in the current organization.

For Self – Employed Individuals

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with recent passport size photographs
  • Proof of Income: Income Tax Returns along with computation of income for the last 3 Assessment Years, Last 3 years Profit and Loss A/C, Balance Sheet with Annexures/Schedules, Last 6 months Current A/C statements of the business and Savings account statement of the individual
  • Bank statements for the last 6 months
  • Education qualification certificate and Proof of Business existence
Benefits

  • Get a personal loan in your account shortly.
  • Fixed interest rates throughout the tenure of the loan
  • Minimum documentation
  • Applicants can choose the tenure to repay the loan and it ranges between 12 – 60 months
  • No collateral required against the loan
Eligibility

  • Minimum age of the applicant should be 21 years
  • The entire loan amount has to be repaid at or before the applicant attains 65 years
  • The applicant can either be a salaried employee of self-employed with a regular source of income
  • The co-applicants age should be a minimum of 18 years at the time of submitting the application
Other Details

  • Get Personal Loan from ICICI Bank up to Rs 20 lakhs
  • The applicant can use the loan amount for any of the following purposes – Holidaying, home renovation, wedding, fresher funding, top-up loan, purchase of expensive electronic items and so on.
  • Loan processing charges are up to 2.5% of loan amount + GST
  • Prepayment Charges is 5% per annum of the outstanding principal + GST
  • Loan cancellation charges are Rs 3000 + GST
ICICI Bank Marriage Loan 11.25% 0 maximum of up to Rs 20,00,000 1 - 5 years
Details
Documents Required

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with recent passport size photographs
  • Proof of Income: Last 6 months Bank statement showing salary credits, latest Form 16 and Income Tax Returns, Recent 3 months Salary Slips
  • Bank statements for the last 6 months
Benefits

  • Minimal documentation
  • No security or collateral required
  • Avail attractive interest rates starting from 11.25% per annum
  • Get a maximum loan of up to Rs 20,00,000
  • Quick disbursal of the loan amount
  • Flexible EMI repayment options
  • Long tenure to repay the loan
Eligibility

  • The applicant should be an Indian citizen.
  • Should have attained a minimum age of 23 years
  • The applicant should have a regular source of income.
  • The applicant should be employed for at least two years in his/her current job.
Other Details

  • There are no restrictions on the applicant on the usage of funds.
  • The tenure of the loan ranges between one – five years
  • The applicant can even apply for marriage loan either by visiting the nearest branch or via iMobile App or through internet banking.
ICICI Bank Holiday Loan 11.25% - 17.99% 2.25% per annum on loan amount + GST up to Rs 20,00,000 12 - 60 months
Details
Documents Required

For Salaried Individuals:

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with two recent passport size photographs
  • Proof of Income: Last 6 months Bank statement showing salary credits, latest Form 16 and Income Tax Returns, Recent 3 months Salary Slips
  • Bank statements for the last 6 months

For Self – Employed Individuals

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with recent passport size photographs
  • Proof of Income: Income Tax Returns along with computation of income for the last 3 Assessment Years, Last 3 years Profit and Loss A/C,
  • Balance Sheet with Annexures/Schedules, Last 6 months Current A/C statements of the business and Savings account statement of the individual
  • Bank statements for the last 6 months
  • Processing Fee Cheque
  • Education qualification certificate and Proof of Business existence
Benefits

  • Minimal documentation
  • No security or collateral required
  • Avail attractive interest rates starting from 11.25% per annum
  • Get maximum loan of up to Rs 20,00,000
  • Quick disbursal of loan amount
  • Flexible EMI repayment options
  • Long tenure to repay loan
Eligibility

  • The applicant should be an Indian citizen.
  • The applicant should have a regular source of income.
  • The applicant should be employed for atleast two years in his/her current job.
Other Details

  • Prepayment of loan is possible any time during the tenure of the loan.
  • In case of pre-closure of loan, a charge of 5% per annum of principal outstanding + GST will have to be borne by the borrower.
  • Loan processing charges stands at 2.25% per annum of loan amount + GST charges
  • Loan cancellation charges is Rs 3000 + applicable GST
ICICI Home Renovation Loan 11.25% - 17.99% 2.25% per annum on loan amount + GST up to Rs 20,00,000 12 - 60 months
Details
Documents Required

For Salaried Individuals:

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with two recent passport size photographs
  • Proof of Income: Last 6 months Bank statement showing salary credits, latest Form 16 and Income Tax Returns, Recent 3 months Salary Slips
  • Bank statements for the last 6 months

For Self – Employed Individuals

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with recent passport size photographs
  • Proof of Income: Income Tax Returns along with computation of income for the last 3 Assessment Years, Last 3 years Profit and Loss A/C, Balance Sheet with Annexures/Schedules, Last 6 months Current A/C statements of the business and Savings account statement of the individual
  • Bank statements for the last 6 months
  • Processing Fee Cheque
  • Education qualification certificate and Proof of Business existence
Benefits

  • Minimal documentation
  • No security or collateral required
  • Avail attractive interest rates starting from 11.25% per annum
  • Get a maximum loan of up to Rs 20,00,000
  • Quick disbursal of the loan amount
  • Flexible EMI repayment options
  • Long tenure to repay the loan
Eligibility

  • The applicant should be an Indian citizen.
  • The applicant should have a regular source of income.
  • The applicant should be employed for at least two years in his/her current job.
Other Details

  • Prepayment of loan is possible any time during the tenure of the loan.
  • The processing of loan application and the disbursal of the same is done quickly and money gets credited to account within a period of 72 hours.
Personal Loan for NRIs starting from 15.49% per annum 0 up to Rs 10,00,000 12 - 60 months
Details
Documents Required

Non Resident Indian

  • Passport Copy
  • Bank Statement
  • Salary slip or Salary Certificate from employer (should be in English or should be translated to English if it is any other language)
  • Visa Copy
  • Official e-mail ID or HR e-mail ID
  • NRO/NRE bank statement for the last 6 months

Resident Indian

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Proof of Residence in the name of both either applicant or co-applicant or parent
  • Bank statement for the last 3 months
Benefits

  • Get maximum loan amount of up to Rs 10,00,000
  • Simplified documentation procedure
  • No collateral or security is required
  • Quick processing and disbursal procedure
  • Maximum loan tenure for repayment is 36 months
Eligibility

  • Applicant should be a resident Indian and the co-applicant Non Resident Indian should be a close relative.
  • The applicant should have a regular source of income.
  • The NRI applicant who is applying for NRI personal loan should be present in India at the time of submitting the application.
Other Details

  • Interest rates on NRI personal loan starts from 15.49% per annum.
  • Tenure of the loan repayment ranges between 12 – 60 months.
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