icici-personal-loan

a. Age:

For Salaried – 23-58 years

For Self-employed – 28 years (self-employed individuals) and 25 years (for doctors)

Maximum age - 65 years

b. Credit score: Closer to 900

c. Employment Type: Salaried and Self-employed

d. Minimum net income (monthly):

For Salaried - Rs. 30,000 minimum

For Self-employed -

1. Minimum Turnover - Rs. 40 lakh for non-professionals; Rs. 15 lakh for professionals; as per audited financials

2. Minimum Profit After Tax - Rs. 2 lakh for Proprietorship Firm/Self employed individuals, and Rs. 1 lakh for non-professionals as per audited financials

e. Work experience:

For Salaried - 2 years

For Self-employed - Depends on business stability.

In a current business, a minimum of 5 years

For doctors, 3 years minimum

For Salaried

Proof of Identity: Passport / Driving License / Voters ID / PAN Card (anyone)

Proof of Residence: Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).

Last 3 Months' Bank Statement (where salary/income is credited).

Salary slips for the last 3 months.

2 - Passport Size photographs

For Self-employed

KYC Documents: Proof of Identity; Address proof; DOB proof.

Proof of Residence: Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).

Income proof (audited financials for the last two years).

Last 6 Months' Bank statement.

Office address proof.

Proof of residence or office ownership.

Proof of continuity of business.

ICICI Bank personal loans need minimum paperwork. It can be availed in as few as 3 seconds
upon a successful approval

The verification process for an ICICI Bank personal loan includes the following steps:

• Select ICICI Bank personal loan.
  
  
• Submit an online application for a personal loan on Apnapaisa.com. Your application will be
  transferred by us to ICICI Bank.
  
  
• Having received your personal loan application, a representative from Apnapaisa.com will
  call you to verify its details.
  
  
• A pick-up for the documents required will be subsequently arranged by us at a place and time of your convenience.
  
  
• As soon as your documents are collected and successfully verified, your personal loan
  the application will be approved by ICICI Bank.
  
  
• Sign the loan agreement, and the requested loan amount will be instantly disbursed to your account.

The rate of interest for ICICI Bank personal loans ranges
between 10.50 to 19.50% p.a.