ICICI Bank Car loan in Kolkata

About ICICI Bank Car Loan in Kolkata

Those who live in the city of joy-Kolkata can now think about purchasing a stylish car that can add to their style statement. ICICI bank is there to give full support to their dreams by offering a car loan. Interested applicants have to be meet the eligibility criteria set by the bank. The bank has set up more than 60 branches in the capital city of West Bengal so that finance is readily available to the customer when needed the most.

ICICI Bank Car loan Kolkata at a glance

The important details of ICICI Bank Car Loan Kolkata have been given below.

ParticularDetails
Interest rate10.75% - 15.50%
Loan amountFor 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.
TenureNew Cars: Upto 7 years

Pre-owned Cars: Upto 5 years
Processing feeNew Cars : ₹ 2,500 to ₹ 5,000

Pre-Owned Cars: 2% of loan amount or ₹6,000 whichever is lower
Pre-payment charge5% 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 Kolkata 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 Kolkata

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 details read Car Loan Kolkata.

Address of ICICI Bank Branches in Kolkata

The list of ICICI Bank branches in Kolkata has been given below along with their addresses, IFSC & MICR details and contact numbers.

BranchAddressIFSCMICRContact details
RN Mukherjee Road22, R N Mukherjee Road, Kolkata, West Bengal 700001ICIC000000670022900203333667777 / 03344455000
BallygungeRishikesh, 1/1, Ashutosh - Chowdhury Avenue Ballygunge Kolkata 700019 West BengalICIC000003470022900303333667777 / 03344455000
Salt LakeBJ - 140, Sector II, Salt Lake City, Kolkata 700091 West BengalICIC000004270022900403333667777 / 03344455000
Chowringhee36 Chowringhee Road, Kolkata 700071 West BengalICIC000018770022901103333667777 / 03344455000
Sector - 1, Salt Lake CityAc - 4, Sector - 1, Salt Lake City Kolkata West Bengal 700064 ICIC000030570022901303333667777 / 03344455000
Minto Park2 B Gorky Terrace Kolkata 700017 West BengalICIC000031270022901403333667777 / 03344455000
New Alipore23 A, Diamond Harbour Road, Block L, New Alipore (Near Durgapur Bridge) Kolkata, West Bengal 700053 ICIC000031770022901503333667777 / 03344455000
BehalaDiamond Towers; 70 B Diamond Harbour Road, Behala Chowrasta, Kolkata 700008 West BengalICIC000032870022901603333667777 / 03344455000
GariaNo.384, Netaji Subhash Chandra Bose Road, Laxmi Narayan Colony, Garia, Kolkata, West Bengal 700047ICIC000034970022901703333667777 / 03344455000
Lake TownBlock A , Plot 111, Lake town, Kolkata, West Bengal 700089ICIC000035570022901803333667777 / 03344455000
VIP RoadNazrul Sarani, VIP Road, Swastik Ward. No. 7, Kolkata, West Bengal 700059ICIC000037170022901903333667777 / 03344455000
Sarat Bose Road95, Sarat Bose Road, Near Sishu Mangal Hospital, Kalighat, Kolkata, West Bengal 700026ICIC000037270022902003333667777 / 03344455000

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