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ICICI Personal Loan Eligibility
To avail personal loan, you have to meet the personal loan eligibility criteria set by the lender. Below is the detailed ICICI Personal Loan Eligibility you should fulfill to be eligible for the loan.
ICICI Bank Personal Loan Eligibility
To avail personal loan from ICICI Bank, an applicant has to meet the following ICICI Personal Loan Eligibility Criteria:
ICICI Bank Personal Loan Eligibility for Salaried
| Minimum age | Minimum 20 years |
| Maximum age | Maximum up to 58 years at loan maturity |
| Minimum net monthly income | Rs. 30,000 (it may differ depending on the profile) |
| Total experience in job or profession | Minimum 2 Years |
| Years stayed in current residence | Minimum 1 year |
ICICI Bank Personal Loan Eligibility for Self-employed
| Minimum age | Minimum 28 years (25 years for doctors) at the time of loan application |
| Maximum age | Maximum up to 65 years at loan maturity |
| Minimum turnover | Rs. 40 Lakhs for non-professionals & Rs. 15 Lakhs for professionals (as per audited financials) |
| Minimum profit (after tax deduction) | Rs. 2 Lakhs for proprietorship firms or self-employed individuals & Rs. 1 Lakh for non-professionals (as per audited financials) |
| Minimum stability in current business | 3 years for doctors & 5 years for others |
| Minimum relationship with ICICI Bank | 1 year liability relationship (such as current/ savings account) or asset relationship (such as loan) which is either active or has been closed in the last 36 months. Borrower’s repayment track must be clean. |
Additional Info: Check ICICI Bank Insta OD facility.
ICICI Bank Personal Loan Eligibility Factors
ICICI Bank Personal Loan Eligibility Based on Age
The age criteria for the approval of the Personal Loan are minimum 23 and maximum 58 years for salaried individuals, 28 and 65 years for self-employed individuals, and 25 and 65 years for doctors. ICICI Banks offers Personal Loan for the maximum duration of 60 months.
ICICI Bank Personal Loan Eligibility Based on Income
The net income necessary to get the Personal Loan approved is Rs. 30,000 per month for salaried individuals. Non-professionals should generate minimum Rs. 40 Lakhs annual turnover, and annual turnover for professionals must be Rs. 15 Lakhs as per audited financials. The ICICI Bank Personal Loan Eligibility depends on this net income. The capacity to pay the EMIs timely is assumed based on the income earned by an individual. The EMI must not affect one's standard of living.
ICICI Personal Loan Features
- Maximum Loan amount up to Rs. 20 Lakhs
- Interest rate 10.75% to 21% p.a.
- Tenure of repayment - Maximum 60 months
- Lowest EMI Per Lakh - Rs. 2,187
- Processing fee - Up to 2.25% + GST
- Balance transfer facility available
- Get loan in just 3 minutes with ICICI Bank Instant Personal Loan online.
- 24x7 personal loan assistance
- Minimum documents required
- No collateral required
- Prepayment charges waived off if it’s done after paying off 12 EMIs.
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ICICI Bank Personal Loan Eligibility FAQs
What are the eligibility criteria to avail ICICI Bank loan?
The maximum age for salaried employees is up to 58 years and 65 for self-employed individuals. The minimum age of the loan applicant required to get a Personal Loan from ICICI Bank is 23 years for salaried, 28 for self-employed individuals and 25 for doctors.
What should be the minimum net monthly income of the customer to get ICICI Bank Personal Loan?
According to the ICICI Bank Personal Loan Eligibility Criteria, Rs. 25,000 per month should be the minimum income for the salaried employee if they are residing in Delhi and Mumbai; Rs. 20,000 for applicants living in Chennai, Hyderabad, Bangalore, Pune & Kolkata; and 17,500 for applicants of other locations.
How much work experience is required for a Personal Loan from ICICI Bank?
A work experience of at least 24 months is required in order to avail the benefit of ICICI Bank Personal Loan.
What is the maximum loan amount an applicant can get?
The maximum Personal Loan amount an applicant from ICICI Bank is up to Rs. 20 Lakhs.
Will CIBIL Score affect my Personal Loan from ICICI Bank?
Yes, the minimum CIBIL score for the personal score is 700 and above. CIBIL Score has a great impact on the Personal Loan. A good credit score indicates a good repayment record. Most banks reject loans if your credit score is low.
How do I increase my loan amount for ICICI Bank Personal Loan?
You can increase the loan amount while opting for the Top-up Loan in case you are eligible for the new loan along with good past loan payment history.
Is there any processing fee for ICICI Bank Personal Loan?
Yes, the processing fees of Personal Loan are up to 2.25% per annum of loan amount plus GST.
How to get ICICI Bank Personal Loan quickly?
In order to get the Personal Loan approved by ICICI bank quickly, it is suggested to get the Personal Loan Eligibility Check Online using ICICI Loan Eligibility Calculator. You can find all the information concerning this on ICICI Bank Website as well as on MyMoneyMantra.
Also Check: ICICI CIBIL Score
