Do You Need a Personal Loan and How to Get it ?

Personal Loans are being provided by All Banks for Various Purposes in India. You can Apply for a Personal Loan Online from your Mobile Phone or App
or from the Banks website If you feel you are eligbile. So Get a Personal Loan one should have CIBIL Score above 760 in INDIA. Banks Consider it mandatory to offer a Loan in any scenario.

How to Apply for Instant Personal Loans ??

When you Just Google For Personal Loan or Atleast Loan you will find out a lots and lots of Ads which are ready to offer you loans. But Beware before taking or applying a loan for. One needs to go through the interest rates and other policies , conditions before taking a loan. If not you may get into troubles. So below we will be discussion on How to Appy for ICICI Bank Instant Personal Loan.

List of Banks Which Provide Personal Loans Instantly

State Bank Of India
Bajaj Finserv
Axis Bank
Yes Bank
Kotak Bank
and Many More …

So Let Us Know More About ICICI Bank Personal Loans Over here ..

ICICI BANK Personal Loans :

ICICI Bank Offers Personal Loans for different Purposes and it is top lender in India, They offer loans against Gold etc or normal with interest stating from 11.99% . The interest on Loans varies with time. So reader is advised to check it perfectly before taking the loans.

ICICI BANK personal loan interest rate and Tenure : (Features of ICICI Bank Personal Loan) :

The Loans are disposed without hassle in Quick time and minimum tenure of loan is 12 months and Maximum is 5 years ( 60 months ). There would be processing fee for the loan which is around 2.56% . There is a prepayment facility with 5% per annum of principal outstanding amount.

ICICI BANK personal loan documents required and Eligiblity :

One should be above age of 23 and below 58 to avail the personal loan from ICICI bank. If you are above 58 years different interest rates apply for you as per RBI rules. You should have minimum of 15 Lakh rupees Turnover and 40 lakh rupees turnover for non professionals.

Documents Requried To Apply Loans at ICICI bank :

There are different Documents Requried needed as per your Profession. A Salaried person as to Show The below Documents to avail the loans .

D 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

Where as Self Employees or Business Owners have you Show :

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


There are many EMI calculators available in the market. Go google them find and Check the best interest rate for you and Apply your Personal Loans..

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