ICICI Bank Personal Loan in Pune

Last Updated : March 27, 2017, 10:55 a.m.

ICICI Bank Personal loan in Pune Interest Rate

The important details of ICICI Bank Personal loan Pune have been given below.

Apply Personal Loan @ 10.75%* Rate

ICICI Bank Branches in Pune with IFSC Codes

The list of ICICI Bank Pune branches has been given below along with their addresses, IFSC and MICR codes.

ICICI Personal Loan Customer Care Number

In a case of any complaints, queries or grievances, all you need to do is just dial a toll-free number 1800 102 4242 from your mobile or landline. You can get in touch with the customer care executives of the bank anytime from anywhere, and get the quick and best solutions of all your problems.

ICICI Personal Loan EMI Calculator

Interest Rate, Tenure and Loan Amount are the three important variables you need to submit online to an EMI Calculator so that it will churn out the results for you. It lets you know about your EMIs, Interest Outgo and Total Amount Payable in the easiest manner. Hence, make sure that you have a hassle-free loan journey.

For your reference, below is a table showing the calculations on a loan amount of ₹3 Lakh, taken for a tenure of 4 years at an interest rate of 16.75% per annum.

Eligibility Criteria

The eligibility norms for an ICICI Bank Personal loan Pune 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.

Documentation Checklist

The list of important documents to be submitted to ICICI bank 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 billAge 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 extra information please have a look at Personal Loan Pune

About ICICI Bank Personal loan in Pune

ICICI bank is one of the prominent private sector banks of India that has created a place in the hearts of the people. The special place has been created because of the exceptional products and services it has offered to the customer. The bank has a special product for the people in the city of Pune. The bank gives a personal loan in the city through which many people have fulfilled their aspirations and ambitions. The product truly has the potential to make life picture perfect for the customer. ICICI bank has more than 40 branches in the city of Pune. The city is a leading hub of education and information technology and attracts many people from all over India. This is the reason, the bank has opened so many branches so that finance is made available to the customer on time.