ICICI Bank Se Personal Loan Kaise Le
ICICI Bank Se Personal Loan Kaise Le

ICICI Bank Se Personal Loan Kaise Le? ICICI Personal loan

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ICICI Bank Se Personal Loan Kaise Le: Get a personal loan from ICICI Bank from home, from 50 thousand to 40 lakhs?

ICICI Bank Se Personal Loan Kaise Le: Through this article today, we will all know the process of taking a personal loan from ICICI Bank. ICICI Bank is a great bank which provides good facilities to its customers from time to time. Different types of unsecured loans are given through ICICI Bank, a select favorite bank of India.

This article has detailed information about taking a personal loan through ICICI Bank. By reading this article, you can know in detail the ICICI Bank Se Personal Loan Kaise Le process through a very simple process.

ICICI Bank Se Personal Loan Kaise Le
ICICI Bank Se Personal Loan Kaise Le
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If you need money and want to fulfill your needs in such a situation, then ICICI Bank is always ready for you. You can get ICICI Bank Personal Loan by providing very few documents from ICICI Bank. All the information about how to apply for ICICI Personal Loan Online has been provided in detail in this article. You can know the complete process of ICICI Bank Se Personal Loan Kaise Le by reading and understanding the article till the end.

A direct link is given below in the Important Links section from where you can apply for ICICI Bank Personal Loan Online.

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Do Read:- Jio Se Loan Kaise Le 

Overview -ICICI Bank Se Personal Loan Kaise Le

  • Name Of Article – ICICI Bank Se Personal Loan Kaise Le
  • Name of the Bank- ICICI Bank
  • Apply Mode – Online
  • Age- 21 Year – 58
  • Type of Loan- Personal Loan
  • Interest Rate -10.75% to 19% per annum
  • Loan Processing Charges Upto 2.50% of the loan amount plus applicable taxes
  • Credit Score -750
  • Monthly Income- 30,000
  • Required Document Aadhar, Pan, Photo Etc.
  • Loan Amount ₹50000 Up to 40 Lac
  • Official Website – Click Here

Benefits of ICICI Personal Loan – ICICI Bank Se Personal Loan Kaise Le

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If you want to get a personal loan from ICICI Bank, then you will mostly get to see its benefits. All the information about the benefits of personal loan related to ICICI Bank is provided in detail below. The benefits of ICICI Bank Personal Loan are as follows-

  • If you are interested in taking a personal loan through ICICI Bank, then the biggest advantage is that you will get loans without any agent in a very simple process.
  • The amount of Personal Loan received through ICICI Bank is transferred to your bank account within 15 days.
  • You can apply online as per your wish by visiting ICICI BANK OFFICIAL website.
  • To take a personal loan through ICICI Bank, you have been provided the facility of getting loan through a very easy process.
  • Interest Rate for ICICI Bank Personal Loan – ICICI Bank Se Personal Loan Kaise Le
  • According to all the banks of India, you have been provided loan facility at very attractive interest rates in ICICI Bank. You can know ICICI Bank Personal Interest Rate very easily by reading the following information related to ICICI Bank Personal Loan.

ICICI Bank Personal Interest Rate is as follows-

  • If you take ICICI Bank Personal Loan, then you will be charged an Interest Rate 10.75% to 19% per annum.
  • After that Loan Processing Charges Upto 2.50% of loan amount plus applicable taxes will be charged.
  • ICICI Bank EMI Bounce Charges ₹500/- per bounce plus applicable taxes.
  • The amount of personal loan received from Punjab National Bank has to be repaid in 6 years.
  • To take a personal loan through ICICI Bank, the CIBIL SCORE should be at least 750.

Documents required to take ICICI Bank Personal Loan –

If you want to take a Personal Loan from ICICI Bank, then for this you should also have some important documents available. Documents required to avail personal loan from ICICI Bank are as follows-

  • Aadhar Card
  • PAN Card
  • Address Proof (Aadhar Card, PAN Card, Driving License etc.)
  • Voter Card i.e. Identity Card
  • Residence Certificate
  • Income Certificate i.e. (any certificate required to verify your income)
  • Income Tax Return details of last 3 years have to be given
  • Bank Statement of last 6 months
  • Passport size photo
  • Mobile Number
  • Email ID etc.

How to apply for ICICI Bank Personal Loan Online step by step?

If you want to take a personal loan through ICICI Bank easily from home, then for this you have to apply online. You can apply online for ICICI Personal Loan by visiting ICICI Bank Official website. The process of applying for ICICI Bank Personal Loan online is as follows-

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  • First of all go to ICICI BANK Official website which will be of the type-
  • ICICI Bank Se Personal Loan Kaise Le
  • After coming to the official website, click on the Loans option
  • Now click on the Popular Loans option
  • Now click on the Personal Loans option
  • Now click on the Apply Now option
  • Now finally enter all the information asked and apply for the loan
  • After applying online, money is transferred to your account as soon as possible
  • You can take ICICI Bank Personal Loan by following the above process step by step

Do Read:- Cash Papa Loan Customer Care Number 2024

Features and Benefits of ICICI Bank Personal Loan

Loan Amount and Repayment Tenure:

ICICI Bank offers personal loans ranging from Rs 50,000 to Rs 25 lakh with a repayment tenure of 12 to 60 months. The loan amount and repayment tenure are determined as per the borrower’s requirement and repayment capacity.

Competitive Interest Rates:

ICICI Bank offers competitive interest rates on personal loans, starting at 11.25% per annum. The interest rate may vary depending on the borrower’s credit score, income, and other factors.

Quick and Hassle-Free Approval Process:

ICICI Bank offers a very easy process for personal loans. The loan application can be submitted online or offline, and the bank usually approves the loan within 2-3 days.

Minimal Documentation:

ICICI Bank requires minimal documentation for a personal loan. The borrower needs to submit proof of identity, address, income and employment.

Flexible Repayment Options:

ICICI Bank offers easy options to repay personal loans. Borrowers can choose the repayment tenure and EMI amount as per their convenience. The bank also offers a loan repayment calculator that can help borrowers calculate their monthly EMI.

Prepayment and Foreclosure Facility:

ICICI Bank allows prepayment and foreclosure of personal loans without any penalty charges. This means that the borrower can repay the loan before the tenure ends and save on interest charges.

No Collateral or Security Required:

ICICI Bank Personal Loan is an unsecured loan, which means the borrower does not need to provide any collateral or security to avail the loan.

Fees and Charges

ICICI Bank charges a processing fee of up to 2.25% of the loan amount, which is deducted from the loan disbursement amount. If the borrower wishes to prepay the loan before the end of the tenure, the bank also charges a prepayment fee of up to 5% of the outstanding loan amount.

Late payment charges are also applicable if the borrower fails to pay the EMIs on time. The bank charges a penalty of 24% per annum on the outstanding EMI amount for the overdue period.

Other applicable charges such as bounce, document retrieval, and legal charges are also applicable per the bank’s terms and conditions.

ICICI Bank Personal Loan is an unsecured loan that offers competitive interest rates, quick approval and flexible repayment options without any collateral.

Do Read:- CashBean Loan App Download 

Summary

In this article, we have given you all the detailed information about ICICI Bank Se Personal Loan Kaise Le. You can know the process of taking a personal loan from ICICI Bank by reading this article till the end. ICICI Bank is currently offering loans ranging from ₹ 50 thousand to ₹ 50 lakh.

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