ICICI Bank Personal Loan in Agra

Last Updated : March 23, 2017, 10:18 a.m.

About ICICI Bank Personal loan in Agra

There is a bank which has managed to leave a very solid impression on the banking sector of India. And that bank is known by the name ICICI Bank. It is, in fact, one of the leading private sector banks with a strong presence in India. It has covered every part of the country with 4,501 branches and 14,271 ATMs that are operating at their best. ICICI Bank is not only serving the people here in India but customers in 18 countries as well. The bank has dedicated itself towards taking care of the financial needs of the people. All its energy has been focused on ensuring that the customer is satisfied and content. The bank was founded in 1994 in Vadodara in Gujarat. The bank is striving hard to take a customer one more step closer to his/her dream. The bank has won many awards in its 23-year-old journey. It won the  BFSI Digital Innovators Award in 2016 for its excellent initiative in Software Robotics. ICICI bank also received the Emerson Cup 2016 award during the fourteen Indian Green Building Congress, that was conducted in the city of Mumbai. It played an influential role in the setting up the financial structure of India. The National Stock Exchange was promoted in 1992 by the bank on behalf of the government of India. As a matter of fact, it was ICICI Ltd and UTI who took up the initiative to establish CRISIL, the nation’s first credit rating agency.

Agra is a major city of Uttar Pradesh and is popular all over the world for its iconic heritage site, Taj Mahal. The city has seen the growth of several small scale industries in recent times. ICICI Bank has set up seven branches in the city that are located at prime points. The branches are operating to ensure that product reaches to the customer on time.

A personal loan is one of the most demanded products in the market. ICICI bank too offers a personal loan to the people in Agra so that they can fulfill their personal needs. The people of Agra, no longer, will have to let go of their dreams because the product has the potential to fulfill every bit of their dreams. The product comes with its own benefits and offers an experience which is unmatched.

Apply Personal Loan @ 10.75%* Rate

ICICI Bank Personal loan in Agra at a glance

Check out the essential details about ICICI Bank Personal loan in Agra here.

Eligibility criteria

The eligibility norms for an ICICI Bank Personal loan Agra have been given below. Check them out to see if you are eligible or not.

For Salaried employees:

• The applicant must fall in the age group of 23 to 58 years. This clearly means it is mandatory to have attained the age of 23 in order to avail a personal loan.
• The applicant should be living in his/her present residence for a period of at least one year
• The applicant must earn a stable income if he/she wishes to obtain a personal loan. The minimum salary every month should be ₹ 17,500. In case, the person lives in either  Mumbai or New Delhi, then he/she needs to earn at least ₹ 25,000 each month. Those who reside in Pune, Kolkata, Hyderabad, Chennai and Bengaluru are supposed to earn at least ₹ 20,000 each month.
• He/she should be working in their current profession or job for a period of at least two years.

Self-employed individuals:

• The applicant should fall in the age bracket of 28 to 65 years. The loan needs to be fully repaid before the applicant completes 65 years of age. The bank has imposed the minimum age as 25 years for doctors.
• A business stability of a minimum of five years is required for self-employed individuals. Doctors should be employed in their profession for a minimum period of three years.
• A minimum turnover is compulsory to get a personal loan from the bank. For non- professionals, the turnover must be at least ₹ 40 lakhs and for professionals, it should be at least ₹15 Lakhs.
• A minimum profit after tax is also required for a hassle free disbursal of your loan. It must be ₹ 1 Lakh for non-professionals and ₹ 2 Lakhs for self-employed professionals or any partnership firm.
• A liability (savings or current account) relationship or an asset (loan) relationship must be there with the bank. The applicant must have such relationship for a minimum of one year for an account that is either opened or closed in the last three years.

Documents required

The list of important documents has been given below-

Salaried individuals:

• Identity Proof- PAN card/ Voter ID card/ Passport/ Driving License
• Two Photographs of passport size
• Proof of Address- Leave and License agreement/ Passport/ Telephone bill/ Water bill/Electricity bill
• Bank statement of the last three months, where the applicant’s salary is being credited
• Salary slips of the previous three months

Self-employed individuals:

• Proof of Address- Leave and License agreement/ Passport/ Telephone bill/ Water bill/Electricity bill Age Proof- Birth certificate/ High school marksheet/ Passport
• Bank statement of the previous six months
• Proof of office address
• Identity Proof- PAN card/ Voter ID card/ Passport/ Driving License
• Proof of continuity of the business
• Income tax returns of the last two years
• Proof of ownership of office
• Audited Balance Sheet plus Profit & Loss account

In case you need more information, you can always refer to Personal Loan Agra .

Address of ICICI Bank branches in Agra

The list of ICICI Bank branches in Agra has been mentioned below along with their addresses, IFSC and MICR codes.