{"id":18896,"date":"2019-10-21T15:12:15","date_gmt":"2019-10-21T09:42:15","guid":{"rendered":"https:\/\/golocalclassified.com\/article\/?p=18896"},"modified":"2019-10-21T15:12:33","modified_gmt":"2019-10-21T09:42:33","slug":"icici-bank-personal-loan-application-benefits-customer-care-services","status":"publish","type":"post","link":"https:\/\/golocalclassified.com\/article\/icici-bank-personal-loan-application-benefits-customer-care-services\/","title":{"rendered":"ICICI Bank Personal Loan: Application, Benefits, Customer Care Services"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">ICICI Bank offers a personal loan to cater to your various financial needs. You can apply for a personal loan from ICICI bank through several channels \u2013 online or by visiting the nearest branch. You can avail a personal loan up to Rs. 20 lakhs for up to 60 months from ICICI Bank.\u00a0<\/span><\/p>\n<h2><b>Features and benefits<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">ICICI Bank personal loan comes with a wide range of benefits:<\/span><\/p>\n<p><b>Attractive interest rates:<\/b> <a href=\"https:\/\/www.afinoz.com\/icici-bank\/personal-loan-interest-rate\"><b>ICICI Bank personal loan Interest rate<\/b><\/a><span style=\"font-weight: 400;\"> applicable on a personal loan from ICICI Bank is one of the lowest rates in the market, starting from as low as 11.25% per annum. Moreover, the interest is charged on a reducing balance i.e. interest will be calculated on the outstanding balance every month.<\/span><\/p>\n<p><b>Online application:<\/b><span style=\"font-weight: 400;\"> Getting a personal loan from ICICI Bank is quite simple and hassle-free process. All you need to do is apply online for a personal loan. You can fill the ICICI Bank personal loan application form online and submit the required documents to get your loan approved.\u00a0<\/span><\/p>\n<p><b>Minimal documentation: <\/b><span style=\"font-weight: 400;\">To get a personal loan from ICICI Bank, you don\u2019t need to complete a mountain of paperwork. Provide a few details about you and your profession and get an instant eligibility assessment done.\u00a0<\/span><\/p>\n<p><b>Maximum loan amount:<\/b><span style=\"font-weight: 400;\"> The bank offers a personal loan up to Rs. 20 lakhs for any requirements.\u00a0<\/span><\/p>\n<p><b>Flexible loan tenure: <\/b><span style=\"font-weight: 400;\">A personal loan from ICICI Bank can be availed for a flexible tenure ranging from 12 months to 60 months; customers can choose the tenure as per their convenience.\u00a0<\/span><\/p>\n<p><b>Quick disbursal:<\/b><span style=\"font-weight: 400;\"> A pre-approved customer can get a personal loan in his account in just 3 seconds after completion of online verification and acceptance of a final offer.\u00a0<\/span><\/p>\n<p><b>Personal loan balance transfer facility:<\/b><span style=\"font-weight: 400;\"> Personal loan customers can transfer their personal loan from other banks to ICICI Bank to get attractive interest rates, reduced EMI, and extra loan amount.<\/span><\/p>\n<h2><b>Types of personal loan<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">ICICI Bank personal loan comes in different types:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Wedding loan:<\/b><span style=\"font-weight: 400;\"> ICICI Bank offers financial assistance to help you fulfil your wedding related expenses. A wedding loan from ICICI Bank can be used to cover a number of expenses such as precious jewellery, top catering, elegant wedding venue, etc.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Home renovation loan:<\/b><span style=\"font-weight: 400;\"> With<\/span><a href=\"https:\/\/www.afinoz.com\/icici-bank-personal-loan\"><b> ICICI Bank personal loan<\/b><\/a><b>,<\/b><span style=\"font-weight: 400;\"> you can renovate and modernize your home. You can use the personal loan to pay for interior designers, contractor and workers; and buy materials.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Travel loan:<\/b><span style=\"font-weight: 400;\"> Sometimes, for some reason, your monthly income may not be sufficient to fund your exotic vacation with your friends. You can get a personal loan from ICICI Bank for a dream vacation.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Top-up personal loan:<\/b><span style=\"font-weight: 400;\"> ICICI Bank offers a top-up personal loan to help you meet your extra financial requirements. You can get the extra amount on your existing personal loan from the bank.\u00a0<\/span><\/li>\n<\/ul>\n<h2><b>ICICI Bank personal loan rates and other charges<\/b><\/h2>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Rate of interest<\/span><\/td>\n<td><span style=\"font-weight: 400;\">11.25% per annum to 17.99% per annum<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Prepayment charges<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5% of principal outstanding + GST<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Processing charges<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to 2.25% of loan amount + GST<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Loan amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">From Rs. 50,000 to Rs. 20,00,000\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b>Eligibility for ICICI Bank personal loan<\/b><\/h2>\n<p><b>Salaried<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Any salaried person aged between 23 years and 58 years can apply for ICICI bank personal loans.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Minimum monthly income should be Rs. 17,500. For applicants residing in Mumbai &amp; Delhi Rs. 25,000; and for applicants residing in Chennai, Hyderabad, Bangalore, Pune and Kolkata Rs. 20,000.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Applicant should be employed for a minimum of 2 years.\u00a0<\/span><\/li>\n<\/ul>\n<p><b>Self-employed<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Any self-employed individual aged between 25 years and 65 years can apply for ICICI bank personal loans.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Minimum turnover of Rs. 40 lakh for self-employed non-professionals and Rs. 15 lakh for professionals.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Should be in current business for at least 5 years, if doctor minimum 3 years.\u00a0<\/span><\/li>\n<\/ul>\n<h2><b>Documents required to apply for a personal loan<\/b><\/h2>\n<p><b>For salaried person<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Identity proof: Aadhaar Card\/ Passport \/ Driving License \/ PAN Card<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Residential proof: Utility Bills (not more than 3 months old)\/ Leave and License Agreement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Salary slips for last 3 months<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bank statement showing salary being credited for at least last 3 month<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Passport size photographs<\/span><\/li>\n<\/ul>\n<p><b>For self-employed individuals<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Identity proof: Aadhaar Card\/ Passport \/ Driving License \/ PAN Card<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Residential proof: Utility Bills (not more than 3 months old)\/ Leave and License Agreement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Date of birth proof<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Office address proof<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Income proof: Audited financials for the last 2 years<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bank statement for the last 6 months<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Proof of office ownership<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Proof of continuity of business<\/span><\/li>\n<\/ul>\n<h2><b>ICICI Bank customer care number<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You can contact the bank by dialling the following numbers for a query that you may have regarding products and services offered by ICICI Bank.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal banking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1860 120 7777<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Wealth \/ private banking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1800 103 8181<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Corporate \/ Retail Institutional Banking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1860 120 6699<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Other alternate banking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Delhi: 011 33667777<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mumbai: 022 33667777<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kolkata: 033 33667777<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chennai: 044 33667777<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>ICICI Bank offers a personal loan to cater to your various financial needs. You can apply for a personal loan from ICICI bank through several channels \u2013 online or by visiting the nearest branch. You can avail a personal loan up to Rs. 20 lakhs for up to 60 months from ICICI Bank.<\/p>\n","protected":false},"author":16963,"featured_media":18895,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[4244,4246,4245],"class_list":["post-18896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-icici-bank","tag-interest-rate","tag-personal-laon"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/posts\/18896","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/users\/16963"}],"replies":[{"embeddable":true,"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/comments?post=18896"}],"version-history":[{"count":0,"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/posts\/18896\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/media\/18895"}],"wp:attachment":[{"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/media?parent=18896"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/categories?post=18896"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/golocalclassified.com\/article\/wp-json\/wp\/v2\/tags?post=18896"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}