How to Apply for a Personal Loan in ICICI Bank?

If you are applying for a personal loan, ICICI Bank stands out as one of the leading banks that offer a personal loan of up to Rs. 25 Lakhs. It is easy to avail with minimal documentation for a tenure of 12 months up to 60 months. If you are depending on your needs, you can choose from various types of ICICI Bank Personal Loans offered to individuals. Read more to know the steps to apply personal loan for ICICI Bank. 



Steps to apply for ICICI Bank Personal Loan with Afinoz 

The ICICI Bank personal loan application process involves the following steps listed below:  

  • Visit Afinoz.com and fill the outline online application form to check the personal loan offers.  
  • After that, you will receive several banks to get approvals. 
  • Then, you can choose a prospective lender from the list or contact Afinoz. 
  • At last, you have to submit the personal loan application.  


Eligibility criteria of ICICI Bank Personal loan 

To avail of the ICICI Bank personal loan, you need to check the eligibility of the loan. Whether you are a salaried professional or self-employed individual check the points mentioned below:  


For Salaried Professionals  

Particulars  

Eligibility Criteria 

Age 

23-58 Years 

Minimum Monthly Net Salary 

Rs. 17,500 (If the applicant is residing in Delhi or Mumbai Rs. 25,000; Rs. 20,000 if the applicant is residing in Hyderabad, Chennai, Bangalore, Kolkata, or Pune) 

Minimum Total Working Experience 

2 Years 

Years in Current Residence 

1 Year (min.) 

 

For Self-Employed Individuals    

Particulars 

Eligibility Criteria 

Age 

For self-employed individuals - 28 Years & for doctors - 25 Years Max. 65 Years for both 

Minimum Turnover 

●     For professionals Rs. 15 lakh  

●     For non-professionals Rs. 40 lakh 

Business Stability 

●     For a minimum of 5 years in the current business 

●     Practicing for a minimum of 3 years (in case of a doctor) 

Minimum Profit After Tax 

●     For Self Employed Individuals/Proprietorship Firm - Rs. 2 lakh 

●     For non-professionals - Rs. 1 lakh  

Relationship With the Bank 

●     For a minimum of 1-year Liability relationship (savings or current account) 
or 
●     Asset relationship (Loan) either closed or live in the last 36 months & repayment track (if any)  as required 

 

Conclusion 

At last, you can check the entire details of ICICI Bank personal loan offered to their individuals. The above listed are the eligibility criteria and the process to apply for the loan. You can check other details of the loan by visiting the official website of the bank or Contact ICICI Bank Customer Care Number. Apart from this, you can also visit Afinoz.com for a personal loan.  


Read More: 

Location: Noida, Uttar Pradesh, India

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