ICICI bank is one of the largest private sector banking and financial service company headquartered in Mumbai, Maharashtra India. It has a big market capitalization in India. It is also one of big four banks of India.
It offers wider range of financial services and banking products through multiple channels for corporate companies and retail sector. ICICI bank was incorporated in 1994; it started internet banking in 1998.
ICICI bank has currently network of 4070 branches and 13,403 ATMs across India. It was promoted by ICICI Limited in 1994.
Personal loan is an all purpose loan for one's personal purpose. The main purpose of such a loan is to meet any kind of need or expenses. ICICI bank offers personal loan for your personal requirement at competitive interest rate and no security, collateral or guarantor is required for obtaining this loan also know as unsecured loan. This loan can be taken for taking the family foreign, taking the business up to new level and sending the children abroad for higher education, etc.
If you are looking for ICICI personal loan, then you are at the right spot to get your loan processed. As Personal loan is easily accessible, people tend to opt for it.
Bank will consider your personal profile when it comes to approving your loan. If you are a married, own a villa have been there for years then you are more preferred than bachelor who changes his abode frequently. In case you are staying in a rented house, the banks go for additional background checks where your profile and year of experience play a vital role in getting approval for loan.
The rate of interest and the due diligence may vary from one region to another region or locality.
More often most of us consider taking Personal loan to overcome the financial crisis. Opting for a personal loan without knowing, its pros and cons which could cost us more than planned at times.
ICICI Personal Loan Features:
Competitive Interest rate
No security is required
Interest rate from 12.25 % to 18.54%
Loan up to 20 lakhs
Flexible EMI options from 12 to 60
Fixed interest rate throughout Loan tenure
Disbursement in 72 hours
Benefits of ICICI Personal Loan
Crediting the amount in to account directly
Choosing the repayment period as you wish
Documents needed for salaried persons:
Identity Proof: Passport, Driving license, Voter Id, Pan Card
Address Proof: Utility bill (Electricity bill, Gas bill
Salary slips for the last three months.
Documents for Business people:
Identity Proof, Address Proof, Date of Birth Proof
Income Proof for the last two years
Last six months bank statements
Office address proof
Office Ownership proof
Business continuity proof
Profit and loss account for the last two years