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Your Ready Reckoner For an ICICI Instant Personal Loan
| Minimum Income Credited To The Salary A/C | 30k+ |
| Age of Applicant | 23 years to 58 years |
| Vintage of Employment | Minimum of 12 months |
| Employment Type | Salaried/Professionals |
| Personal Loan Amount Disbursed | ₹1 Lakhs to ₹ 40 Lakhs |
| Rate of Interest @reducing balance | 10.5% - 13% |
| Processing Fees as Per Loan Amount. | Nil to 2.5% |
| Tenure Applicable From | 12 to 60 months |
ICICI Bank offers unsecured funds to salaried customers, providing a convenient solution to fulfil personal needs and emergency requirements. Customers can Apply For ICICI Personal Loan In Noida Online or with hard copies.
You can breathe easily with an ICICI Bank Personal Loan Top-Up in Noida. If you have a pre-existing personal loan, you can get funds instantly with just a few essential documents, ensuring your financial needs are met without any delay.
ICICI Bank Personal Loan holders who need funds can Apply to ICICI Bank for a Parallel Loan. This loan will be independent of the existing loan and will be issued as per the current terms and conditions.
Take full advantage of your existing personal loan with ICICI's exclusive Balance Transfer Personal Loan in Noida. This service lets you transfer your loan instantly, providing a new loan with unique benefits.
| Salary | Interest | Processing Fees | Foreclosure Charges |
|---|---|---|---|
| 50,000 - 75,000 | 10.99% | 999/- | 5% |
| 35,000 - 50,000 | 11.99% | 4000/- | 5% |
| 20,000 - 35,000 | 12.75% | 6999/- | 5% |
| Loan amount above ₹ ten lakhs | 10.89% | 999/- | NIL |
A Personal Loan from ICICI Bank is funds issued as a Loan to an applicant solely on the basis of the profile and documents provided therein without any security or guarantees.
Funds received via a Personal Loan are meant for personal usages only and not for investment or business purpose.
The Loan amount issued to an applicant is as per the Eligibility Criterion of ICICI Bank, keeping in mind the income and obligations.
A CIBIL enquiry is mandatory before further processing of a Personal Loan Request from ICICI Bank. The CIBIL rating and history will be checked.
The Bank might consider approving some amount if the repayment history of the applicant has one odd hiccup and has other good repayment tracks.
The applicant can Re-apply for a Personal Loan a month after the request has been rejected: it is prudent to assess the reason before reapplying.
A salary account with any registered Bank is needed, it is not necessary to have an account with ICICI Bank to Apply for a Personal Loan.
If the profile of the applicant and the company meets the Eligibility Criteria of ICICI Bank the applicant is eligible to apply.
The time taken to Process a Personal Loan from ICICI Bank is 3 to 5 working days, from the time the documents are submitted till the Loan amount is disbursed.
The income documents with an updated KYC are required by the Bank to calculate the eligibility of the applicant, the Bank statement of ICICI account holders need not be submitted.
It is always a good practise to sign the application form, self attest and verify all the documents submitted to avoid undue delays in processing your Personal Loan.
The terms and conditions of the Personal Loan will be mentioned in the Personal Loan Agreement to be signed post approval of the Personal Loan.
Once the terms and conditions are accepted and the agreement signed, the loan amount will be transferred to the applicants account via ECS.
The monthly installment will be deducted from the Bank account of the applicant on a predetermined date of every month as per the Tenure applied.
Apply with us Yourloanadvisors.com in the comfort of your own premises we ensure you the Doorstep delivery of your Personal Loan.
