How to Get ICICI Personal Loan in 5 to 10 Mins

How to Get ICICI Personal Loan, Eligibility, Interest Rate, EMI Calculator, Customer Care Number and more details read here.

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Friends, in today’s article of our blog, we will tell you that at the same time we will also give you answers to other questions related to ICICI Bank such as which documents will be required to take loan from ICICI Bank, how much will be the loan amount etc.

For this reason, definitely read this article of ours till the end, so that you can get complete information about how to take ICICI Bank personal loan. In this inflationary era, where everyone needs money for medicines, marriage, studies to travel.

At the same time many people are looking towards personal loan and nowadays you can sit anywhere and take personal loan only with the help of your mobile or smartphone, in such a situation, banks have also started their apps and websites, with the help of which you can get a personal loan from home. You can take a personal loan while sitting.

In this article, we are going to tell you about one such bank, ICICI Bank, with the help of which you can take a personal loan even sitting at home. So are you ready to know the complete details about how to take ICICI personal loan.

How to Get ICICI Personal Loan

First of all, in our article, we want to answer your most important question, how to take an ICICI personal loan. So if you were also wondering how to take a personal loan from ICICI Bank. So you can easily take a personal loan from ICICI Bank by following these steps.

First of all, you have to visit the official website of ICICI Bank.
Then you have to click on Personal tab from the above menu.
After that you have to click on the loan button and select the personal loan option.
Then you will get an application form, in which you will have to fill all the necessary information and upload the required documents along with it.
If you are eligible to take a personal loan, then with the help of ICICI Bank, that loan will be given to you and the loan amount will be credited to your bank account within a few days.

Hope that now you have understood how to take ICICI personal, but what are the features of ICICI Bank personal loan. By reading this section of our article, you will get an understanding of what kind of personal loan this bank can give you and you can find out whether ICICI Bank personal loan is right for you or not according to your needs.

Highlights of ICICI Bank Personal Loan

The highlights of ICICI Bank personal loan are-
You can get a personal loan up to Rs 20 lakh from ICICI Bank.
Here you will have to pay interest rate starting from 10.50% on personal loan every year.
Personal loan from ICICI Bank is given to you for a tenure of 12 to 60 months.

In ICICI Bank, you can get six different types of personal loans namely Wedding Loan, Holiday Loan, Top Up Loan, Home, Renovation Loan and NRI Loan which you cannot get anywhere else.

But how big amount or loan amount you can get from ICICI Bank.

What will be the ICICI Bank personal loan amount?

In this section of ICICI personal loan kaise le, we will tell you how much personal loan you can get from ICICI bank, because it is very important to know that from which bank you are thinking of taking loan, How much amount can he give you as a personal loan?

As far as the personal loan of ICICI Bank tells, then this bank can give you a personal loan up to Rs 20 lakh and as you would know that you do not have to pay any security with a personal loan, but from ICICI Bank. What documents or documents do you need to take a personal loan?

What are the ICICI Bank personal loan documents?

If you were also wondering how to take an ICICI personal loan, then you must know that you will need the necessary documents or documents to take a personal loan from ICICI Bank and these documents are divided into two parts. Which is something like this.

For salaried people

Identity Proof (Driving License / Voter ID / PAN Card / Passport)
Residence Certificate (Utility bill not older than 3 months / Passport)
Bank statement of at least 3 months (in which bank your income or salary comes)
two passport size photographs
Salary slip of last 3 months

For self employed people

Income certificate of last 2 years
Documents of KYC (Identity Certificate / Certificate of Date of Birth)
Residence certificate (utility bill (for last three months) / passport)
At least 6 months bank statement must be given
Proof of residence or office
Proof of business continuity
Office address proof.

Now you must have come to know that according to your work what documents or documents you will need to take personal loan from ICICI Bank, but what are the benefits of taking personal loan from ICICI Bank.

What are the features of ICICI Bank Personal Loan?

So far, we have given you very important information about ICICI personal loan kaise le, but you should also know that what are the biggest advantages of taking personal loan from ICICI bank.

ICICI bank can give you personal loan at very low interest rate.
Whether you are a salaried employee or self-employed, you get the facility of instant personal loan in ICICI Bank.
You can take a large amount up to Rs.2000000 (20 lakh) as a personal loan from this bank.
Irrespective of the time you have taken the loan, you will have to pay the same interest rate as the interest rate at which you had taken the loan, you will have to pay the loan back on the same, even if the interest rate goes up later.
You are given a time period ranging from 1 year to 5 years to repay the personal loan taken from ICICI Bank.
You can take care of your education, travel or marriage expenses by taking a personal loan from ICICI Bank.
If you take a personal loan from ICICI Bank, you do not have to give any guarantee. You can get a personal loan from ICICI Bank in a short span of time with very few documents.
If your personal loan is approved by ICICI Bank, the loan amount is credited to your account within just 3 seconds.
With the help of fund transfer i.e. FD, you can also directly credit the loan amount.
If you are a salaried employee and have a salary account with ICICI Bank, your chances of getting a loan increase.
Personal Loan from ICICI Bank offers you a variety of personal loans such as Top Up Loan, NRI Personal Loan, Fresher Personal Loan, Home Renovation Loan, Holiday Loan, Marriage Loan.

In this section of how to get an ICICI personal loan, we tell you what are the benefits of taking a personal loan from ICICI Bank and how the personal loan of this bank is better than other banks. But what are the qualifications you should have to take a personal loan from ICICI Bank.

What are ICICI Bank Personal Loan Eligibility?

If you were also wondering how to take an ICICI personal loan, then you must know about what are the qualifications for availing a personal loan from ICICI Bank. The eligibility for taking a personal loan from ICICI Bank has also been divided into two parts.

Eligibility for Salaried People

The age of the applicant should be between 23 to 58 years.
The monthly income of the applicant should be at least Rs 30000 (30 thousand).
The person who wants to take the loan should have at least 2 years of job experience where you are currently residing.
To whom you are giving as current address, you have lived there for at least 1 year.
It is very important to have a good CIBIL score.

Eligibility for Self Employed People

The age of the person applying should be between 25 years to 65 years.
Your turnover should be up to Rs 15 lakh (for professional people) and Rs 40 lakh (for non-professional people).
Your minimum profit should be at least Rs 2 lakh (for professionals) and Rs 1 lakh (for non-professional people).
If you are self employed, then your business should be at least 5 years old and if you are a doctor, then it should be at least 3 years old.
You should have a savings or current account with ICICI Bank for one year or more.

Hope friends, now you have understood that what are the qualifications you need to take personal loan from ICICI Bank and whether you are salaried employed or self employed, you must have understood your eligibility criteria. But what are the types of personal loans you can get from ICICI Bank.

Types of personal loan in ICICI Bank

In this section of how to get an ICICI personal loan, we will tell you that if you are thinking of taking an ICICI Bank personal loan, then this bank can offer you various types of personal loans, which are as follows:

1. Wedding Loans

2. Holiday Loan

3. Fresher Funding

4. NRI Personal Loan

5. Top Up Loan

6. Home Renovation Loan

1. Wedding Loans

If there is a wedding or a special occasion of marriage in your house, then you can also take a personal loan for the expenses such as shopping for jewellery, wedding invitation cards, hotel booking, etc., which you can avail through ICICI Bank. Wedding lawn or matrimonial loan can be found within personal loan. But what are the benefits of this type of loan.

Features of ICICI wedding loan

The interest rate of ICICI Bank loan or matrimonial loan starts from 10.50% every year.
In this type of wedding loan, you can get an amount ranging from 50 thousand to 2.5 lakh rupees, as a loan.
You have to provide very few documents or documents to avail ICICI Wedding Loan.
You do not have to give any security to take ICICI Wedding Loan.

2. Holiday Loan

With ICICI Holiday Loan, you get a personal loan for travel, which you can use for travel expenses, booking flights, etc.

3. Fresher Funding

You can get a personal loan from ICICI Bank along with your job in ICICI Bank and you must be 21 years or above to take this loan and you can use it when you have a new job or you have Have started a new business and need money.

4. NRI Personal Loan

Under ICICI personal loan, you can get an NRI personal loan up to Rs.10 lakh and its interest rate starts from 15.49%, this is for those people who are living outside India but are Indian and born. Money is needed. He can repay this loan within a period of 36 months or 3 years.

5. Top Up Loan

Top up loan is given against the personal loan you have already taken in ICICI Bank, which you can use to meet your new needs and it is given to you as a new loan in addition to the personal loan you have already availed goes.

So if you have already taken a loan, but you need more money now, then you can use top up loan from ICICI Bank and you can also pay it with the help of EMI.

6. Home Renovation Loan

If you want to renovate or get your home renovated, you can use ICICI Home Renovation Loan and get new furniture or home furnishings. This loan can be taken by those people, who have to get your old house back or who have taken a new house.

But they do not have money to bring furniture to that house or to do things like paint, putting, etc. We hope that now you have understood that how many types of personal loans you can get from ICICI Bank, but what is the way to repay the personal loan taken with the help of ICICI Bank.

What is ICICI Bank Personal Loan repayment mode?

So far in this article on how to take ICICI personal loan, we have told you how you can take a personal loan from ICICI bank, but if you have already taken ICICI bank personal loan and you want to repay it, then you can check below With the help of the given information or you can find out how to do ICICI Bank personal loan repayment.

Personal loan taken from ICICI Bank is repaid by paying monthly installments, which is called EMI.
ICICI Bank offers you a variety of personal loan repayment methods such as (Post Dated Check (PDC) / Electronic Clearing System (ECS) / Salary Debit Method (SDC) / Direct Debit Method (DBM) / Direct Payment Method (DPM)) ).
Whatever method you are using to repay the ICICI Bank personal loan, that method is decided at the time of taking the loan.
Whatever method you have chosen to repay the loan, you can also change it by giving relevant forms to the branch of the bank.
The prepayment of loan in ICICI Bank is given by levying 5% charge and GST.
The prepayment option is given to you only after you have completed 12 months of installments in ICICI Bank.
Part prepayment is not allowed when taking a personal loan from ICICI Bank.
Preclosure is done at ICICI branch only after you have submitted the required documents.

If you have already taken a personal loan from ICICI Bank and you were wondering what is the mode of repayment of ICICI Bank personal loan, then you can easily repay that personal loan by following the above-given steps . You can also make ICICI Bank Personal Loan payment online from BillDesk.

How to Check ICICI Bank Personal Loan Application Status?

If you have filled the application for personal loan from ICICI Bank by reading this article on how to get an ICICI personal loan and you want to know how long will it take to get your application approved. So you can track the status of your application by visiting the bank’s website, clicking on the Personal Loan option, then clicking on the “Track your application status” button.

After this a form will open, in which you will have to give all the necessary information and then you will get to know what is the status of your application.

What is the process to login to ICICI Bank portal?

First of all, you have to go to the ICICI Bank website and click on the login button, after that a form will open, in which you will have to enter your username and password, with the help of which you will be able to login.

What are the ICICI Bank Personal Loan Service Charges?

If you repay the loan taken from ICICI Bank in one go, then you will have to pay 5% every tax and GST on the loan amount. The processing fee of the loan is 2.25% of the loan amount plus GST. If you cancel the loan, then you have to pay Rs 3000 plus GST.

If your EMI bounces, you have to pay Rs 400 plus GST for every bounce and Rs 500 plus GST on every transaction if you swap payment modes. If you make late payment due to higher interest rate.

So you have to pay an interest rate of 24% per month plus 2% separately, you have to pay Rs 100 to pay the EMI on the loan taken with the help of branches.

What is ICICI Bank Personal Loan Customer Care Number?

If you still face any issue after reading this article on how to get an ICICI personal loan, you can also contact the ICICI Bank personal loan customer care number, which are always available at your service.

Personal Banking – 1860 120 7777
Wealth / Private Banking – 1800 103 8181
Corporate / Business / Retail Institutional Banking – 1860 120 6699

If you still have some questions related to how to take ICICI personal loan, then do tell us about them in the comment box, we will try our best to answer them.

FAQs

Q. How does ICICI Bank give loan?

Ans. ICICI Bank first of all finds out what kind of loan you need and asks you for all the necessary things, your documents with all the necessary information, such as Aadhar card, PAN card, passport, etc. If you are eligible, then this bank gives it to you.
What are the documents required for personal loan?

If you want to take a personal loan, then you should have KYC documents like PAN card, driving license, Aadhar card, voter ID or passport along with 3 months bank statement and two to three months salary slip, Which differs from bank to bank.

Q. What are the types of personal loans?

Ans. Whichever bank or loan institution you are taking a personal loan from, it depends on the type of personal loan they can offer, as far as ICICI Bank is concerned. So ICICI Bank can offer you various types of personal loans, such as matrimonial personal loan, holiday loan, home renovation loan, NRI personal loan.

Q. How can I get a personal loan?

Ans. To take a personal loan, you have to first decide or decide which bank loan institution website or app you want to take personal loan with the help of which platform and with the help of which you want to take personal loan.

There you have to find out what documents you need to read and what are their eligibility criteria to take a personal loan from that platform. Then you have to fill the loan application form, submit or upload all the documents and you will get the loan within few hours or days.

Q. Which bank gives personal loan?

Ans. Personal loan can be given by almost every bank in India like SBI HDFC, Axis, ICICI, UCO, Union, Dena Bank, etc.

Q. Upto how much loan can be availed against Aadhar card?

Ans. If you want to take a loan with the help of Aadhar card, then you can very easily take 1 lakh rupees as home loan, business loan or personal loan only on Aadhar card with the help of many banks. .

Q. What are the documents required to take loan?

Ans. It depends on which bank or institution you want to take loan with the help of such as to take loan from ICICI Bank, you have to submit documents according to your profession, such as Aadhar card, PAN card , Passport, Bank statement, Salary slip, etc.

How to get ICICI Personal Loan in 5 to 10 Mins

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