Personal Loan Eligibility
You can avail of an ICICI Bank Personal Loan if you meet the following criteria:
|Age||23 years - 58 years.|
|Net Salary**||Salaried Individuals with minimum monthly income - Rs. 20,000 p.m.
(Rs. 25,000 for customers residing in Mumbai and Delhi)
|Eligibilty||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.
|Years in total job / profession||2 Year|
|Years in current residence||1 Year|
**The minimum salary requirement will differ depending on the profile (Type of employer, having relationship with ICICI Bank etc.) of the customer.
|Age||28 years (self employed individuals) and 25 years (for doctors); Maximum- 65 years|
|Minimum Turnover||Rs. 40 lac (for non-professionals), Rs. 15 lac (for professionals) as per audited financials|
|Minimum Profit After Tax||Rs. 2 lac (for Proprietorship Firm/Self employed Individuals) and Rs. 1 lac (for non-professionals) as per audited financials|
|Business Stability||In current business for at least 5 years and minimum 3 years for doctors.|
|Existing 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.|
Note: * Conditions apply.
ICICI Bank provides Personal Loans to Self-Employed Individuals under Business Installment Loan