ICICI Bank Agra

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About ICICI Bank

There are banks which have left a solid impression in the minds of the customers. And on of them is ICICI Bank. It is one of the well known private sector banks in the nation with a strong presence in every state. The bank has set up 4,501 Branches and 14,271 ATMs to serve the needs of the people and offer them an all round experience. ICICI Bank is not only fulfilling the dreams of people in India but people of other 18 countries too. The bank has dedicated all its energies towards keeping the customer content and satisfied.

ICICI Bank has been constantly working to bring people one step closer to their dreams. In its 23-year-old journey, it has won several awards. It received the BFSI Digital Innovators Award 2016 for its brilliant initiative in Software Robotics. It won the Emerson Cup 2016 award when the 14th Indian Green Building Congress was held in Mumbai. The bank has played an instrumental role in the financial structure of the country. It promoted the National Stock Exchange in 1992 on behalf of the government of India. ICICI Ltd and UTI took the initiative to set up CRISIL, India’s first credit rating agency.  Agra has seen the development of several industries over the past few years. ICICI Bank has established seven branches in the developing city so that finance is always available whenever needed.

Address of ICICI Bank Agra branches

BranchAddressIFSCMICRContact details
Sadar Bazar50 A /1, Sadar Bazar, Taj Road, Agra Cantt, Uttar Pradesh 282001 ICIC0000351282229003022 - 67574314
Kamla NagarICICI Bank Ltd , Rashmi Palace , Nh No 2, Sultanganj Ki Pulia, Agra. 282002, Uttar Pradesh ICIC0000808282229004+91 512-2331042, 9839831660
ShahganjICICI Bank Ltd, 5, Saket Colony, Shahganj, Nh 11 Agra. 282001 Uttar PradeshICIC0001050282229005080816 67777
Agra Sanjay PlaceSanjay Place, No. 6,8- 13,Ground Floor , Shanta Tower, Agra, Uttar Pradesh 282002ICIC0006287282229002022 - 67574314 / 4322
Hing Ki MandiICICI Bank Ltd, 8/483, Hing Ki Mandi, Agra - 282003, Uttar PradeshICIC00015662822290079897003775
SikandraICICI Bank Ltd, 6/9, Ashirwad Vatika, Sikandra Bodla, Agra - 282007, Uttar PradeshICIC00015682822290069719103798
Mathura RoadICICI Bank Ltd, Mayur Complex, Nagla Padi, Agra - Mathura Road, Agra - 282005, Uttar PradeshICIC00019142822290099319123240

Products offered by ICICI Bank

People in the city of Agra can always look forward to ICICI Bank for a financial assistance. The bank offers the customers a loan product which suits their needs. People can avail a wide variety of products like a car loan, home loan, personal loan, business loan, loan against property and a gold loan. Parents can even take an education loan for their children’s higher education. Check the tables out for more information.

Basic details of ICICI bank loans in Agra

ProductEligibilityLoan amountInterest rateProcessing feeTenure
Home loan1.The applicant should have obtained at least 21 years of age when the loan is sanctioned.

2.65 years is the age when the loan should be fully repaid.
3.The applicant should be salaried individual or a self-employed.

4.The co-applicant must at least be 18 years old.

5. In order to enhance his loan eligibility, the applicant can add his/her spouse, who is earning well, as a co-applicant
From ₹ 30 lakhs to above ₹ 5 crore ( for few cases)8.55% - 8.80%0.50 to 1% of the loan amount or ₹ 1,500 along with GST

New Delhi, Mumbai and Bengaluru- ₹2,000+GST
30 years
Personal loanSalaried employee-
1. The applicant should be between the age group of 23 to 58 years.

2. Monthly Income requirement:
New Delhi and Mumbai-₹ 25,000
Kolkata, Bengaluru, Hyderabad, Pune, Chennai- Kolkata, Bengaluru, Hyderabad, Pune and Chennai ₹ 20,000
For other cities- at least ₹ 17,500

3.Work experience of two years

4. Should live in the current residence for at least on year.

Self-employed individual
1. The applicant should be between the age group of 28 to 65 years. For doctors, the minimum age has been kept at 25 years

2. A business stability of five years is needed. For Doctors it is three years.

3. Liability or Asset relationship with the bank for a period of at least one year is required.

4. Minimum profit after tax:
-Self- employed/proprietorship firm: ₹2 Lakhs
-Non-Professional: ₹1 Lakh

5. Minimum turnover-
Non-Professional- ₹40 Lakhs
Professional- ₹ 15 Lakhs
Salaried- ₹20 Lakhs

Self-employed- ₹30 Lakhs

Doctor- ₹40 Lakhs
10.99% - 18.49%2.25% of the loan amount plus GSTOne to five years
Car loanSalaried employee
1.The age of the applicant should be between 23 to 58 years.

2.Annual income should be at least ₹ 2.5 Lakhs

3.Employment stability of more than two years is needed.

4.Applicant should be working with the current employer for a period of at least one year.

Self-employed Professional
1.The applicant needs to fall the age bracket of 28 to 65 years. The loan has to be fully repaid by the age of 65.

2.Annual income should be at least ₹ 2 Lakhs.

3.Business stability of more than three years

Self-employed Non-Professional
1.Profit after Tax of a minimum of ₹ 2 Lakhs.

2.Business stability of more than three years
100% of ex-showroom price10.75% - 15.50%₹ 2,500 to ₹ 5,000+GSTSeven years
Fixed depositsAny resident Indian can open a fixed deposit account.₹ 10,000 and above.


You can avail a loan up to 90% of the principal and accrued interest
4.00% - 7.55%NIL7 days to ten years
Loan against propertyAnybody, whether a self-employed professional or a salaried individual can apply for a loan.

The applicant should fall in the age bracket of 21 to 65 years.

The applicant should have a property which he/she can mortgage.

He/she must earn sufficient enough to repay the loan.

Proprietors, partnership firms and companies can apply too.
Up to ₹ 5 croreDepending upon the value of the mortgage property0.50% of the loan amount plus GSTUp to 15 years
Business loan1.Anybody who is engaged in service, manufacturing or trade can apply for a business loan.

2.Must belong to any of the following segments-
-Sole Proprietorship
-Private Limited Company
-Partnership firm
-Public Limited Company
Up to ₹ 1 croreAs per the bank guidelines.

It depends on the business profile, loan amount, previous track record and tenure period
2% along with GST applicableUp to seven years
Education Loan1. You can take an education loan against any one of the following-
Securities
Property
Fixed deposits
₹ 10 Lakh to ₹ 20 LakhLoan against securities- 11%

Loan against property- As per the bank guidelines

Loan against fixed deposits- Upto 90% of the Fixed Deposits
Up to seven years ( securities)


Up to 15 years ( against property)
Gold LoanYou need to be an individual falling in the age bracket of 18 to 70 years and you must own a gold ornament₹ 10,000 to ₹ 15 lakhs10-16.50%1% of the sanctioned loan amount6 to 12 months

Documents required

The documents needed for availing a loan from ICICI Bank Agra have been mentioned below-

ProductDocuments
Home loanCompletely filled application which is duly signed
Photographs of passport size
Identity Proof:- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card
Proof of Residence:- Utility Bill / Passport/Leave and License Agreement
Proof of Age- Passport/Birth certificate/ High school marksheet
Bank statement of the last six months
Salary slip of the past three months
Processing fee cheque

Extra documents needed are given under-
For Self-employed Professional:
Proof of existence of Business
Education qualification certificate
Income tax returns of the past three years

For Self-employed Non Professional:
Proof of existence of Business
Education qualification certificate
Business Profile
Income tax returns of the past three years
P&L account and Audited Balance Sheet of the previous three years which has been certified by a CA

Other documents related to property-
Power of Attorney Format
In case, the loan account holder dies, documents required are:
Request letter
Letter of relinquishment
Personal loanSalaried employee
Identity Proof:- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card
Two Photographs of Passport size
Proof of Residence:- Utility Bill / Passport/Leave and License Agreement
Bank Statement of the past three months in which the salary is credited
Salary slips of the past three months.
Self-employed Individuals:
Proof of Identity- Aadhar card/PAN card/ Passport/Voter ID card
Address Proof- Utility Bill / Passport/Leave and License Agreement
Proof of Age- Passport/Birth certificate/ High school marksheet
Bank statement of the previous six months
Proof of continuity of business.
Proof of Income- Audited Balance Sheet and Profit & Loss account of the previous two years
Proof of Office address
Proof of office ownership
Car loanPhotographs of passport size
Completely filled application form
Proof of Identity- Aadhar card/Voter ID card/PAN Card/Passport/Driving License
Proof of Age- Birth certificate/Passport/High school marksheet/PAN card
Proof of Residence- Allotment letter/Passport/Telephone Bill/Electricity Bill/Leave and license agreement
Bank statement with verification of signature
Proof of Income-
Salaried employee: Latest salary slip and Form 16
Self-employed Professional: Income tax (IT) returns of the previous two years
Self-employed Non Professional: Income tax returns of the last two financial years along with audited Balance Sheet and Profit & Loss account

Proof of ownership or Proof of business stability (Self-employed)

Partnership deed and a letter duly signed by the present partners whereby they give complete authority to one partner (Self-employed Non Professional).

For companies and societies two things are needed -Memorandum & Articles of Association plus Resolution by board of directors
Fixed depositProof of Identity- Passport/Voter ID card/PAN card/Aadhar card/Driving License/Government ID card/Senior citizen ID card/
Photo Ration card.

Proof of Address- Passport/Telephone Bill/Bank statement with cheque/Electricity Bill/Leave and license agreement/ID card issued by a Post Office
Loan against propertyCompletely filled application which is duly signed
Photographs of passport size
Identity Proof:- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card
Proof of Residence:- Utility Bill / Passport/Leave and License Agreement
Proof of Age- Passport/Birth certificate/ High school marksheet
Bank statement of the last six months
Salary slip of the past three months
Processing fee cheque

Extra documents needed are given under-
For Self-employed Professional:
Proof of existence of Business
Education qualification certificate
Income tax returns of the past three years

For Self-employed Non Professional:
Proof of existence of Business
Education qualification certificate
Business Profile
Income tax returns of the past three years
P&L account and Audited Balance Sheet of the previous three years which has been certified by a CA

Property documents-
Agreement for Sale & construction,
Letter of Allotment,
Tripartite Agreement which has to be given before disbursal of loan, Certificate of possession,
Detailed cost of construction and Land tax receipt.
Business loanCompletely filled Application form
Proof of Entity – Partnership deed/Shops and Establishment certificate/Certificate of Incorporation
PAN Card copy of Entity, Partners/Proprietors/Directors, guarantors and Security providers
Proof of Address of Entity, Partners/Proprietors/Directors, guarantors and Security providers
Bank statement of the last six months
Audited Balance Sheet and Profit & Loss account of the last three financial years
The performance of the current year and estimated turnover on the letterhead of the entity
Income Tax returns of the past one year of the borrowing entity
Education Loan1.For Loan against security-
Passport size photographs
Proof of Residence- Electricity Bill/Telephone Bill/Passport/Rent and Lease agreement
PAN card copy is mandatory
Proof of Identity- Aadhar card/PAN card/Voter ID card/Passport/Driving license
Processing fee cheque
Demat statement

2. For Loan against property- Same documents as given above in the section of LAP (Loan against Property)

3. For Loan against fixed or recurring deposits-
Completely filled application form which is signed by both the FD holder and borrower
Original FD receipts which should be discharged by the holder
Gold LoanTwo photographs of passport size
Proof of Identity- Aadhar card/Voter ID card/PAN Card/Passport/Driving License
Proof of Residence- Allotment letter/Passport/Telephone Bill/Electricity Bill/Leave and license agreement
Land holding proof in case of agriculture loan above ₹ 1 Lakh.

 

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