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ICICI Bank Personal loan in Kolkata

ICICI Bank Personal loan in Kolkata

Last Updated : March 25, 2017, 9:40 a.m.

ICICI Bank Kolkata Main Branch with IFSC Code

  • Branch Name: Kolkata-Kankurgachi
  • Complete Address: ICICI Bank Ltd., 188 1A Manicktala Main Road, Kankurgachi, Kolkata-700 054
  • IFSC Code: ICIC0001049
  • MICR Details: 700229031
  • Customer Care Number: 033-23201958, 9836799221

Apply Personal Loan @ 10.75%* Rate

ICICI Bank Kolkata branches with IFSC Codes and Customer Care Number

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

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

ICICI Personal Loan Interest Rates in Kolkata

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

Interest rate10.75% - 19.00%
Loan amountSalaried- ₹20 Lakhs
Self-employed- ₹30 Lakhs
Doctor- ₹40 Lakhs
TenureOne to five years
Processing fee2.25% of the loan amount plus GST
Pre-payment charge5% per annum of the principal which is outstanding along with GST

Personal Loan EMI Calculator

A personal loan EMI calculator is the tool that helps you calculate Equated Monthly Installments. Here is an example showing the payments you will have to do if you take a personal loan from ICICI Bank worth ₹10,00,000 for the tenure of 5 years and an interest rate of 11% p.a.

Table Showing EMI, Interest Outgo, and Total Repayment Amount

EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

Year Principal Interest Balance Amount
1 ₹ 1,58,754 ₹ 1,02,154 ₹ 8,41,245
2 ₹ 1,77,125 ₹ 83,783 ₹ 6,64,119
3 ₹ 1,97,622 ₹ 63,287 ₹ 4,66,497
4 ₹ 2,20,491 ₹ 40,418 ₹ 2,46,006
5 ₹ 2,46,203 ₹ 14,903 ₹ 0

Eligibility criteria

The eligibility norms for an ICICI Bank Personal loan Indore 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 of 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.

    How to Apply

    The process of applying for a personal loan is simple and quick. You need to fill the loan application form and submit it along with the documents checklist at your nearest bank branch or online.

    Loan Application Form

    In the application form for a personal loan, you must fill in the below-mentioned details:

    1. Personal details of the applicant/s
    2. Professional details of the applicant/s
    3. Loan details (amount and tenure)

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

For more details, feel free to check out Personal Loan Kolkata.

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