Personal Loan in Trivandrum

ICICI Bank provides Personal Loans to both salaried and self-employed applicants. Below is the list of the Personal Loan documents

Proof of identity: Aadhaar Card & PAN Card (both)

Proof of residence: Leave and Licence Agreement, Passport or utility bills (not over 3 months old)
Bank statements for the last 3 months (where salary/income is credited)
Salary slips for the last 3 months. 

The eligibility criteria differ for salaried and self-employed applicants. Check your Personal Loan eligibility.

For Salaried:

• Age: 20 years to 58 years
• Duration in the current residence: 1 year
• Experience in the current job: 2 years
• Minimum salary: At least Rs 30,000 per month

For Self-employed:

• Age: 28 years to 65 years for self-employed, 25 years to 65 years for doctors
• Business stability: At least 5 years in the current business (3 years for doctors)
• Minimum turnover: At least Rs 15 lakh for professionals and Rs 40 lakh for non-professionals according to the audited financials
• Minimum profit after tax: Rs 1 lakh for non-professionals and Rs 2 lakh for self-employed and proprietorship firms
• Relationship with ICICI Bank: Minimum one-year old Savings or Current Account with the Bank or an active or closed loan in the last 36 months with a consistent repayment record.