Friends, Money is very important in everyone’s life. It is challenging to live a life without money. In today’s world, no one’s gonna help you with money, be it friends, relatives, or family members. It sounds very strange to hear the word ‘LOAN’, but if we see its positive side, then it is very beneficial to fulfill our dreams. Banks hold a crucial role in our day-to-day life. Nowadays there are many banks that provide personal loans, too at low interest. So let us talk today about ICICI Bank.ICICI Bank is an Indian multinational bank and financial services.ICICI Bank provides personal loans very quickly.
A personal loan is best to meet any financial emergency without any hesitations. This loan helps to deal with any unplanned expenditure. Rather than borrowing money from your friends or relatives, apply for a personal loan with ICICI Bank to live the best life with your loved ones.
BENEFIT OF TAKING AN ICICI BANK PERSONAL LOAN
Interest Rate: One of the best things about ICICI BANK Personal loan is the interest rate. This bank offers the loan at alluring interest rates, which remain everlasting throughout the tenure.
Approval: Fast approval loan without any delay in the process.
Loan Limit: You can get a loan maximum of up to 20 lakhs at your doorstep.
Disbursement:t: Money will be disbursed to your account within two days.
Repayment: Flexible repayment which means you can repay whenever you want to range from 1 to 5 years.
Hassle-free process: Easy documentation process without any hard and rules process.
ELIGIBILITY
Salaried and self-employed both can avail of the benefit of personal loans. There are some criteria set by banks for both salaried and self-employed. These are as follows:
-You should have completed 23 years of age and your maximum age should be 58 years.
-You must have savings accounts in any bank of India.
-You should be a Resident or Non-Resident of India.
-For salaried people, their minimum salary must be Rs. 30,000 per month, and the minimum working experience must be 2 years.
-For a self-employed person, should have Rs.2,00,000 lakhs minimum profit after tax.
HOW MUCH LOAN YOU CAN GET FROM ICICI BANK?
ICICI BANK provides personal loans of up to Rs. 50 lakh with an amazing rate starting at 10.75% p.a. For a period of 6 years.
DOCUMENTS REQUIRED
ID Proof: Aadhar card, PAN Card, Driving License, etc.
Residence Proof: Leave and license agreement, utility bill not more than three months old.
Bank Statement: Newest 3 months’ bank statement.
Photographs: Passport-size photographs.
Salary Slip: Last 3 months of salary slip.
TYPE OF ICICI BANK PERSONAL LOAN
Flexicash: To provide short-term instant credit or overdraft facilities to meet unplanned expenses.
Personal loan for NRI: To fulfill the personal requirement of Non-Resident Indians.
Pre-approved personal loan: The bank has approved your loan with minimal documentation.
Pre-qualified personal loan: These loans are offered by financial institutions to customers with a clean credit history.
Fresher funding: To meet the personal expenses of a fresher or a new joiner.
HOW TO APPLY ONLINE IN ICICI BANK PERSONAL LOAN?
STEP 1:CHECK YOUR ELIGIBILITY-The amount of loan that you can get depends on your eligibility,i.e. Your profession, age, and income, among others.
STEP 2:OFFER FOR YOU-See the offers that you can get on your personal details.
STEP 3:COMPLETE APPLICATION-Read all the instructions, submit proof, and submit all needed documents.
STEP 4:UPLOAD DOCUMENTS-The last step is to upload your original documents and you will be credited with your loan amount in your bank account.
CUSTOMER CARE CONTACT NO.
- TOLL-FREE NUMBER: 1860-120-7777
- ALTERNATE NUMBER: Chennai: 044-33667777 Kolkata: 033-33667777 Mumbai: 022-33667777 Delhi: 011-33667777
SOME FAQS RELATED TO ICICI PERSONAL LOAN
1. HOW DO I REPAY THE PERSONAL LOAN?
ANS. If you have an ICICI bank account, you can directly get money deducted from your account every month on the due date and if you have an alternate account then through NACH you can repay.
2. HOW MUCH TIME WILL IT TAKE FOR A LON TO BE APPROVED?
ANS. Loans are approved within 72 hours after the submission of important documents.
3. IS THERE ANY GUARANTOR REQUIRED FOR GETTING ICICI BANK LOAN?
ANS.No ICICI Bank loan does not require any security guarantee.
4. WHAT IS THE TIME PERIOD TO REPAY THE LOAN?
ANS. The loan can be repaid between the period of 12 to 60 months.
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