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Offer Zone Rates & Charges
Rates & Charges
 
FD, RD & iWish
General
(390 days - 2 yrs)
9.00% Apply Now
Senior Citizens
(390 days - 2 yrs)
9.50% Apply Now
 
Loans
Home Loan 
(Upto 75 lacs)
10.15*% Apply Now
Personal Loan
(Upto 15 lacs)
13.49*% Apply Now

More Rates       Service Charges & Fees

Personal Loan Eligibility

You can avail of an ICICI Bank Personal Loan if you meet the following criteria:

 

GET INSTANT E-APPROVAL

 

Criteria*Salaried
Age 23 years - 58 years.
Net Salary** Salaried individuals with minimum monthly income Rs.17,500 (Rs.25,000 for applicants residing in Mumbai & Delhi; Rs.20,000 for applicants residing in Chennai, Hyderabad, Bangalore, Pune & Kolkata)
Total years in job/profession 2 Years
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.

 

Criteria*Self Employed
Age 28 years (self employed individuals) and 25 years (for doctors); Maximum age - 65 years
Minimum Turnover Rs. 40 lakh 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 relationship (loan) either live or closed in the last 36 months; repayment track as required

 

Note:

* Conditions apply
ICICI Bank provides Personal Loans to self employed individuals under Business Installment Loan