About ICICI Bank Car Loan in Ghaziabad
A car adds to one’s style statement and gives you the option to go to any place at any point of time. It is a dream come true when you see your dream car parked at your garage. ICICI bank has designed a car loan product for the people in Ghaziabad so that they can buy a stylish car. The bank offers the product at a fixed rate of interest to suitable loan borrowers. It has set up eight branches here in Ghaziabad to deliver the product to the customer.
ICICI Bank Car loan Ghaziabad at a glance
The important details of ICICI Bank Car Loan Ghaziabad have been given below.
| Particular | Details |
|---|---|
| Interest rate | 7.90% Onwards |
| Loan amount | For New Cars Min amount : Lesser than ₹2,50,000 Max. amount : upto ₹ 10,00,000 For Pre-owned Cars: up to 80% on the valuation of the car. |
| Tenure | New Cars: Upto 7 years Pre-owned Cars: Upto 5 years |
| Processing fee | New Cars : ₹ 2,500 to ₹ 5,000 Pre-Owned Cars: 2% of loan amount or ₹6,000 whichever is lower |
| Pre-payment charge | 5% on principal outstanding or interest outstanding for unexpired period of loan (whichever is lower) |
Eligibility criteria
The eligibility norms for an ICICI Bank Car Loan Ghaziabad have been mentioned below. An applicant can only avail a loan from the bank if he/she is able to meet the said criteria.
For a salaried employee
- The applicant should be between the age group of 23 to 58 years. It means he/she should be at least 23 years old whenever the loan is applied
- The applicant should earn an annual income of at least ₹ 2,50,000
- The employment stability should be more than two years
- The applicant should be working with the current employer for a minimum period of one year
For a self-employed professional
- The applicant should fall between the age bracket of 28 to 65 years old. It means he/she should have attained the age of 28 whenever the loan is applied. The loan has to be fully repaid by the time the applicant turns 65 years
- The annual income of the applicant should be at least ₹ 2 Lakhs
- The business should be stable for period of over three years
For a self-employed non-professional
- The business should be stable for period of over three years
- The Profit after Tax (PAT) should be at least ₹ 2 Lakhs
In case of Limited Companies, the Profit after Tax (PAT) should be at least ₹ 2 Lakhs and they must be existing for a period of at least three years.
Documents needed for ICICI Bank Car Loan Ghaziabad
An applicant who wishes to successfully avail a car loan from the bank has to complete the process of documentation on time. The list of important documents for every category has been given below. Check it out.
For a salaried employee
- Completely filled application form
- Proof of Age- Birth certificate/ PAN card/ High school marksheet/ Passport
- Proof of Identity- Aadhar card/ Passport/ Voter ID card/ Driving License/ PAN card
- Photographs of passport size
- Verification of the applicant’s signature- Passport/ Driving License/ PAN card
- Proof of Address- Ration card/ Passport/ Telephone bill/ Electricity bill/ Rent agreement/ Water bill
- Proof of Employment stability
- Bank statement of the last six months
- Proof of Income- Latest salary slip of the previous three months and Form 16
For a self-employed professional
- Completely filled application form
- Proof of Identity- Aadhar card/ Passport/ Voter ID card/ Driving License/ PAN card
- Photographs of passport size
- Proof of Age- Birth certificate/ PAN card/ High school marksheet/ Passport
- Verification of the applicant’s signature- Passport/ Driving License/ PAN card
- Proof of Address- Ration card/ Passport/ Telephone bill/ Electricity bill/ Rent agreement/ Water bill
- Proof of Business stability
- Bank statement of the last six months
- Proof of Income- Income tax returns of the last three years
For a self-employed non-professional
- Completely filled application form
- Proof of Identity- Aadhar card/ Passport/ Voter ID card/ Driving License/ PAN card
- Proof of Age- Birth certificate/ PAN card/ High school marksheet/ Passport
- Proof of Ownership
- Verification of the applicant’s signature- Passport/ Driving License/ PAN card
- Proof of Address- Ration card/ Passport/ Telephone bill/ Electricity bill/ Rent agreement/ Water bill
- Proof of Business stability
- Proof of Income- Income Tax returns of the past two years and Profit & Loss account and Balance Sheet which is duly audited
- Bank statement of the last six months
- In case of partnership firms- Partnership deed along with a letter which has to be duly signed by all the available partners, thereby giving authority to one partner
- In case of companies and societies- Memorandum and Articles of Association plus a Resolution by the board of directors
For more information please refer to Car loan Ghaziabad.
Address of ICICI Bank Branches in Ghaziabad
The list of ICICI Bank branches in Ghaziabad has been given below along with their addresses, IFSC & MICR details and contact numbers.
| Branch | Address | IFSC | MICR | Contact details |
|---|---|---|---|---|
| Indirapuram | Ag - 1; Plot Number - 3; Aditya City Centre, Vaibhav Khand, Indirapuram, Ghaziabad 201012 Uttar Pradesh | ICIC0000718 | 110229092 | 0120-3117147, 9811363158 |
| Raj Nagar | R - 1/88, Raj Nagar, Ghaziabad, Uttar Pradesh. 201001 | ICIC0006286 | 110229028 | 022 - 67574314 / 4322 |
| Indirapuram 2 | Shop No.Fo1, Plot No.7, Krishna Apra Shopping Plaza, Vaibhav Khand, Indirapuram, Ghaziabad, Uttar Pradesh 201013 | ICIC0001654 | 110229141 | 9873414576, 11-41630322 |
| Choudhary More | Plot No.270, Ambedkar Road, Opp. Nehru Yuva Kendra, Choudhary More, Ghaziabad - 201001, Ghaziabad District., Uttar Pradesh. | ICIC0001256 | 110229119 | |
| Vausundhara | Plot No C - 7 Sec - 13 Opposite Jaipuria School, Vasundhara, Ghaziabad - 201012, Ghaziabad Dist., Uttar Pradesh | ICIC0001255 | 110229116 | 09953302093, 0120-6451631 |
| Vaishali | Shop No - 4 Plot No - 18 Ajnara Landmark Sec - 4 Vaishali, Ghaziabad - 201010, Ghaziabad Dist., Uttar Pradesh | ICIC0001254 | 110229117 | 09953302093, 0120-6450866 |
| Navyug Market | 65 Navyug Market, Ghaziabad - 201601 Uttar Pradesh | ICIC0006955 | 110229179 | 0120-3223653 |
| Holy Angels school Campus | Holy Angels School Campus , Sec - 3, Blk - 9, Rajendra Nagar, Sahibabad, Ghaziabad - 201005 Uttar Pradesh | ICIC0006956 | 110229181 | 120-3226061; 9312208999 |
