Are you in dire need of cash? You can meet your all-immediate financial needs by taking a personal loan. It is an unsecured loan that can be used for any reason be it is paying off medical expenses or any kind of emergency expenses.
If you are thinking with whom to apply for a personal loan, the answer is ICICI Bank, the largest facilitator of personal loans in India especially for ‘Digital Loans’. Here you can avail of a loan of up to 20 Lakh within a few hours. You can apply for a loan with ICICI either online or offline as per convenience.
Main benefits of ICICI Personal loan are:
- After your application gets approved, the loan amount is credited to your account within three seconds.
- Here ICICI banks allow the borrower to choose the loan tenure at per his or her convenience. You can apply for a loan from 12 to 60 months.
- Via the online platform of ICICI Bank, one can easily keep track of the application status and get any assistance you want 24×7.
- Minimal documentation
- Get a loan on attractive interest rates
- You need not provide any collateral or security.
The benefits are applicable for select customers upon completion of online verification and acceptance of the final offer.
Know about ICICI Bank personal loan eligibility
The ICICI Bank is solely committed to making the borrowing process easy and accessible for all. After understanding the needs and requirement the bank has established the eligibility criteria:
For salaried employees
- The minimum age should be at least 23 years to be eligible for a Personal Loan and the maximum age limit is 58 years.
- The monthly income should be INR 30,000.
- Along with that bank also assess your credit score and existing debts (loans) to determine your repayment capacity.
Documents required at the time of ICICI Personal loan apply online or offline
If you are a salaried applicant, here are the documents you need to submit for a personal loan from ICICI Bank:
• ID Proof: Any one of PAN card, driving license, passport, or voters ID
• Residence Proof: Any one of passport, recent utility bills, or lease or rent agreement
• Salary slips for the last 3 months
• Bank statement for the last 3 months
• 2 passport size photographs
Self-employed individuals:
• KYC Documents: ID proof, residence proof, proof of date of birth
• Income Proof: Audited financial statements for the last 2 years
• Proof of office or residence ownership
• Proof of office address
• Bank statements for the last 6 months
• Proof of continuity of business
ICICI bank has huge exposure to personal loans. It is well connected with its clients through its social media platforms and active mobile apps. A loan is a fine example of one such app provided by the bank to its clients who are looking for an ICICI Personal loan apply online option. At this platform, they can check information regarding their loan accounts while on the move.
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