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  • ₹30,000
  • ₹40 Lakhs
  • ₹0
  • ₹40 Lakhs
  • 12 Months
  • 72 Months

You are eligible for a total
loan amount of Rs

Disclaimer*: The information provided is not guaranteed to be accurate or complete and is indicative and tentative in nature. Users are advised to exercise caution and seek professional advice before making decisions based on it. ICICI Bank bears no liability for updating the data or for any losses arising from the use of this information.

Personal Loan Eligibility Criteria

Personal Loan eligibility criteria for Salaried individuals

  • Age: Between 20 and 58 years

  • Net salary**: Minimum monthly income of Rs 30,000

  • Total  years of work experience: 2 years


**The minimum salary requirement will differ depending on the profile (type of employer, having a relationship with ICICI Bank etc.) of the customer.




Loan eligibility criteria for self-employed individuals:

  • Age: Minimum age is 23 years, maximum age at the end of the tenure is 65 years

  • Maximum loan amount: Up to Rs 50 lakh

  • Business Vintage: 2 years in the current business and total experience >= 3 years.


ICICI Bank provides Loans to self-employed individuals under business instalment loans.


Personal Loan eligibility FAQs

What is a Personal Loan eligibility calculator?

A Personal Loan eligibility calculator is an online tool that helps individuals to be aware of the maximum eligible amount for a Personal Loan. It is calculated based on a few factors like income, tenure (of the loan amount) and existing financial obligations.
Note Individual CIBIL score might impact the maximum eligibility amount. 

How to use a Personal Loan eligibility calculator?

To use a Personal Loan eligibility calculator, enter your personal and financial details such as income, expenses, existing loans and tenure. The calculator will analyse your eligibility and estimate the loan amount you may qualify for. Based on this, an individual can apply for a loan, as required.

What are the factors that determine Personal Loan eligibility?

For salaried applicants, the Personal Loan eligibility depends on their age, net salary, years of professional experience and duration of residence at the current address. Self-employed individuals are assessed based on their age, minimum turnover, minimum profit after tax, business stability and existing relationship(s) with ICICI Bank. These criteria collectively determine the eligibility for a Personal Loan, ensuring a thorough financial stability and credibility evaluation. Lastly, the applicant’s credit score may also be considered.

Note Eligibility criteria can change as per RBI guidelines.

How to check Personal Loan eligibility?

ICICI Bank provides Personal Loans to both salaried and self-employed individuals. To determine the eligibility, existing ICICI Bank customers can check for the pre-approved Personal Loan offers through the iMobile Pay app or Internet Banking.
iMobile Pay > Log in to iMobile Pay > Pre-approved loans/offers’.
Internet Banking > Log in to Internet Banking > Cards & Loans > Loans.

How to increase your Personal Loan eligibility?

To increase your eligibility, focus on improving your credit score by making timely bill payments and reducing existing debts. Showcasing a consistent income or having a co-applicant with a stable income can also positively impact your eligibility.

Can I get a Personal Loan if my monthly salary is Rs 30,000?

Yes, salaried applicants can get a Personal Loan from ICICI Bank with a minimum monthly salary of Rs 30,000. However, the minimum salary required may also differ depending on the applicant’s profile - nature of employment, employer, whether the employer has any relationship with ICICI Bank and so on.

How much Personal Loan am I eligible for based on my salary?

Depending on your salary, credit score and employment status, you can get a Personal Loan starting from Rs 50,000 up to Rs 50 lakh, subject to ICICI Bank's internal policy. The amount is decided based on your age, income and other factors. This amount can also be increased depending on certain factors. It is best to get in touch with ICICI Bank directly to explore all your options.

How does age impact Personal Loan eligibility and loan tenure?

ICICI Bank Personal Loans are available to salaried applicants aged between 20 and 58 years. On the other hand, self-employed applicants must be aged between 23 and 65 years (at the end of the tenure) to be eligible for a Personal Loan from ICICI Bank. The applicants should fall within a specific age group, as this indicates a higher likelihood of having a steady income and the ability to repay over a longer period.

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