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    Features and benefits of ICICI Bank Personal Loan in Trivandrum

    Loan up to Rs 50 lakh
    Loan up to Rs 50 lakh without any end-use restrictions
    Streamlined borrowing experience
    Streamlined borrowing experience with instant approval and disbursal
    Freedom to choose
    Freedom to choose your repayment tenure from 12 months to 72 months
    100% digital application
    100% digital application process and 24x7 ICICI Bank Customer Support
    Minimal documentation
    Minimal documentation
    Personal Loan interest rate
    Personal Loan interest rate remains fixed, no need to worry about fluctuating EMIs
    Unsecured Personal Loans
    Unsecured Personal Loans without any collateral or security

    Calculate your Personal Loan EMIs

    Are you planning to take a Personal Loan in Trivandrum? Use the Personal Loan EMI Calculator to estimate your EMIs and choose a suitable repayment plan:

    Personal Loan interest rates in Trivandrum

    Here is an overview:

    Interest Rate Range Additional Interest on Late Payment Loan Amount Tenure
    10.80% to 16.15% per annum 5% Per Annum will be charged on the overdue EMI until repayment. Up to Rs 50 lakh 12 to 72 months

    Documents required for a Personal Loan in Trivandrum

    Documents required for a 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. 

    Eligibility criteria for a Personal Loan in Trivandrum

    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.

    Fees and charges for a Personal Loan in Trivandrum:

    Type of Charges Applicable Charges

    Personal Loan Interest Rate

    10.80% to 16.15% per annum

    Non-refundable Loan Processing Charges

    Up to 2.50% of the loan amount (taxes extra)

    Prepayment Charges
    1. 3% on principal outstanding amount.
    2. Nil after 12 EMIs paid.
    3. For Business Loans (BIL/BL) <=50 Lakhs i.e. Booked under code ‘UP’, the FC to be considered as “NIL” if first EMI is paid. This is applicable only for Micro and Small enterprises only (subject to URC submission) and not for Medium enterprises.

    Late Payment Charges

    5% Per Annum will be charged on the overdue EMI until repayment.

    Loan Cancellation Charges

    Rs 3,000 plus taxes before 1st EMI payment

    EMI Bounce Charges

    Rs 500 per bounce plus taxes

    Repayment Mode Swap Charges

    Rs 500 per transaction plus taxes

    How to apply for ICICI Bank Personal Loan in Trivandrum

      Apply Now

      Apply online or download the ICICI Bank iMobile Pay app to apply for a Personal Loan in Trivandrum. 

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