ICICI Bank Personal Loan: We all need a loan at some point in our lives. Sometimes there are some situations when we do not have money, at such times we get the facility of loan from the bank. ICICI Bank provides such facility to its customers from time to time. If you also need money, then for this you can get a personal loan from ICICI Bank.
It is very easy to take a loan from ICICI Bank. In this article, we will give you complete information about how you can get a personal loan from ICICI Bank. So let’s know about it.
ICICI Bank Personal Loan Benifit
It is very easy to take a personal loan from ICICI Bank and it has many benefits. Let’s know about it-
- It is very easy to take a personal loan from ICICI Bank, to take it, you can easily take a loan online.
- To take a loan from ICICI Bank, you can easily apply for a loan by visiting its official website.
- After taking a loan from ICICI Bank, its amount is sent to your account within 15 days.
- You are given a loan by ICICI Bank at a very low interest rate.
- You also have to pay very low processing fee on taking a loan from ICICI Bank.
Charges levied by ICICI Bank
- If you take ICICI Bank Personal Loan, then you have to pay annual interest ranging from 10.85% to 19%.
- In this you have to pay an amount of 9.50% as loan processing charge.
- In this you have to repay the loan amount taken within 6 years.
- If your installment in ICICI Bank is not paid on time and gets bounced, then a bounce charge of ₹500 is levied as bouncing charge.
Documents
It is very easy to take ICICI Bank Personal Loan. For this, you need very few documents. Let us know about the important documents-
- Aadhar Card
- PAN Card
- Residence Certificate
- Income Certificate
- Voter ID Card
- Mobile Number
- Email ID
- Passport Size Photo
- Last Six Month Bank Statement
Features of ICICI Bank Personal Loan
- To avail a personal loan from ICICI Bank, the loan amount has to be repaid within 6 years.
- In this, you have to pay an initial interest rate of 10.85% which can go up to 19%.
- To avail a personal loan from ICICI Bank, you must be a salaried person.
- Customers having a salary account with ICICI Bank are given the facility of overdraft.
- ICICI Bank also offers pre-approved instant personal loan to select customers which gets instantly credited to their accounts.
- ICICI Bank offers personal loan facility of up to Rs 50 lakh but it depends on your CIBIL score and salary.
