ICICI Bank Pune

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Products Offered by ICICI Bank

ICICI Bank has kept many products for the people of Pune. Those who wish to avail a loan from the bank have to meet the norms of eligibility which is imposed by the bank itself.  Then they will have to follow the process of completing the documentation work. Interested in knowing about the products offered? They are a business loan, car loan education loan, gold loan, loan against property, home loan and personal loan. You can compare the various loan products with the help of the table which is given  below.

Basic details of ICICI bank loans in Pune

ProductEligibilityLoan amountInterest rateProcessing feeTenure
Home loan1.The applicant should have obtained at least 21 years of age when the loan is sanctioned.

2.65 years is the age when the loan should be fully repaid.
3.The applicant should be salaried individual or a self-employed.

4.The co-applicant must at least be 18 years old.

5. In order to enhance his loan eligibility, the applicant can add his/her spouse, who is earning well, as a co-applicant
From ₹ 30 lakhs to above ₹ 5 crore ( for few cases)9.00% - 9.25%0.50 to 1% of the loan amount or ₹ 1,500 along with GST

New Delhi, Mumbai and Bengaluru- ₹2,000+GST
30 years
Personal loanSalaried employee-
1. The applicant should be between the age group of 23 to 58 years.

2. Monthly Income requirement:
New Delhi and Mumbai-₹ 25,000
Kolkata, Bengaluru, Hyderabad, Pune, Chennai- Kolkata, Bengaluru, Hyderabad, Pune and Chennai ₹ 20,000
For other cities- at least ₹ 17,500

3.Work experience of two years

4. Should live in the current residence for at least on year.

Self-employed individual
1. The applicant should be between the age group of 28 to 65 years. For doctors, the minimum age has been kept at 25 years

2. A business stability of five years is needed. For Doctors it is three years.

3. Liability or Asset relationship with the bank for a period of at least one year is required.

4. Minimum profit after tax:
-Self- employed/proprietorship firm: ₹2 Lakhs
-Non-Professional: ₹1 Lakh

5. Minimum turnover-
Non-Professional- ₹40 Lakhs
Professional- ₹ 15 Lakhs
Salaried- ₹20 Lakhs

Self-employed- ₹30 Lakhs

Doctor- ₹40 Lakhs
10.99% - 18.49%2.25% of the loan amount plus GSTOne to five years
Car loanSalaried employee
1.The age of the applicant should be between 23 to 58 years.

2.Annual income should be at least ₹ 2.5 Lakhs

3.Employment stability of more than two years is needed.

4.Applicant should be working with the current employer for a period of at least one year.

Self-employed Professional
1.The applicant needs to fall the age bracket of 28 to 65 years. The loan has to be fully repaid by the age of 65.

2.Annual income should be at least ₹ 2 Lakhs.

3.Business stability of more than three years

Self-employed Non-Professional
1.Profit after Tax of a minimum of ₹ 2 Lakhs.

2.Business stability of more than three years
100% of ex-showroom price10.75% - 15.50%₹ 2,500 to ₹ 5,000+GSTSeven years
Fixed depositsAny resident Indian can open a fixed deposit account.₹ 10,000 and above.


You can avail a loan up to 90% of the principal and accrued interest
4.00% - 7.55%NIL7 days to ten years
Loan against propertyAnybody, whether a self-employed professional or a salaried individual can apply for a loan.

The applicant should fall in the age bracket of 21 to 65 years.

The applicant should have a property which he/she can mortgage.

He/she must earn sufficient enough to repay the loan.

Proprietors, partnership firms and companies can apply too.
Up to ₹ 5 croreDepending upon the value of the mortgage property0.50% of the loan amount plus GSTUp to 15 years
Business loan1.Anybody who is engaged in service, manufacturing or trade can apply for a business loan.

2.Must belong to any of the following segments-
-Sole Proprietorship
-Private Limited Company
-Partnership firm
-Public Limited Company
Up to ₹ 1 croreAs per the bank guidelines.

It depends on the business profile, loan amount, previous track record and tenure period
2% along with GST applicableUp to seven years
Education Loan1. You can take an education loan against any one of the following-
Securities
Property
Fixed deposits
₹ 10 Lakh to ₹ 20 LakhLoan against securities- 11%

Loan against property- As per the bank guidelines

Loan against fixed deposits- Upto 90% of the Fixed Deposits
Up to seven years ( securities)


Up to 15 years ( against property)
Gold LoanYou need to be an individual falling in the age bracket of 18 to 70 years and you must own a gold ornament₹ 10,000 to ₹ 15 lakhs10-16.50%1% of the sanctioned loan amount6 to 12 months

ICICI Bank Pune Branches with IFSC Codes

BranchAddressIFSCMICRContact details
Bund Garden A-Wing, Shangrila Gardens, Bund Garden Road, Pune, Maharashtra 411001ICIC00000054112290029021667777
Shivaji Nagar1240 - A, Subhadra Bhavan, Apte Road, Shivaji Nagar, Pune. 411004 MaharashtraICIC00000394112290039021667777
AundhGulmohar Villa II, ITI Rd, Ward No. 8, Pushpak Park, Aundh, Pune, Maharashtra 411007ICIC00000734112290049021667777
Kondhwa Krishna Keval Commercial Complex, Main Kondhwa Road, Kondhwa, Pune, Maharashtra 411048ICIC00000744112290059021667777
Chinchwad Old Mumbai Pune Highway, Chinchwad Shop No 3 To 8, Ground Floor, F Wing Premier Plaza, Pune, Maharashtra 411019ICIC00003214112290089021667777
Satara RoadSomshankar Chambers, Survey No 46, Plot No 1, Kaka Halwai Estate, Opp City Pride, Pune, Maharashtra 411009ICIC00003374112290109021667777
KothrudPlot No. 1, S. No. 18/1, Sarthak Terrace, Opp. Gandhi Lawns, Kothrud, Pune, Maharashtra 411038ICIC00003384112290099021667777
Senapati Bapat RoadICC Tech Park, Show Room No. 1, Senapati Bapat Road, Model Colony, Pune - 411016. MaharashtraICIC00004244112290119021667777
ChakanBaravkar chambers, Ambethan chowk, Pune nasik highway, Chakan, Pune Maharashtra 410501ICIC00005084112290129021667777
Kalyani NagarShop No. 1-6, Harmony Co-op Housing Society Ltd, Kalyani Nagar, Pune, Maharashtra 411006ICIC00005664112290249021667777
Infosys Phase-IInside Infosys Tech. Limited, Rajiv Gandhi IT Park, Phase-1,
Hinjawadi, Pune, Maharashtra, 411057
ICIC00005694112290289021667777
Infosys Phase-IIInfosys Tech Ltd, Plot No 24, Rajiv Gandhi Infotech Park Phase I, Hinjewadi, Pune Maharashtra
411057
ICIC00005704112290299021667777

ICICI Bank Pune Customer Care

In case you have any concern, query or complaint related to any product or service of ICICI, all you need to do is just dial a toll-free number-1800 200 3344 between 9 a.m. to 6 p.m. from Monday to Friday. The experienced and skilled professionals with their rich experience and expertise, are always there to help you.

EMI Calculator

Recently decided to avail a loan, but confused about the EMIs of the same? Well, if yes, now no more confusion as an EMI Calculator is here to help. This well-designed, smart device with its fastest process and simple algorithm gives you the exact calculations of your EMIs, Interest Outgo and Total Amount Payable in the easiest manner. After entering the loan amount, tenure and interest rate, this device churns out the results for you, ensuring that you have a hassle-free experience.

For your reference, below is a table, showing the calculations on a loan amount of ₹3 Lakh, taken for a tenure of up to 4 years at an interest rate of 12.75% per annum.

Table Showing EMI, Interest Outgo, and Total Repayment Amount

Loan AmountInterest RateTenureMonthly InstalmentTotal Interest AmountTotal Amount
₹ 3,00,00012.75%1₹ 26,760₹ 21,120₹ 3,21,120
₹ 3,00,00012.75%2₹ 14,227₹ 41,456₹ 3,41,456
₹ 3,00,00012.75%3₹ 10,072₹ 62,596₹ 3,62,596
₹ 3,00,00012.75%4₹ 8011₹ 84,532₹ 3,84,532

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

YearPrincipalInterestBalance Amount
1₹ 61,388₹ 34,745₹ 2,38,611
2₹ 69,689₹ 26,444₹ 1,68,922
3₹ 79,112₹ 17,020₹ 89,810
4₹ 89,894₹ 6323₹ 0

Documents Needed

The documents needed for availing a loan from ICICI Bank Pune have been mentioned below-

ProductDocuments
Home loanCompletely filled application which is duly signed
Photographs of passport size
Identity Proof:- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card
Proof of Residence:- Utility Bill / Passport/Leave and License Agreement
Proof of Age- Passport/Birth certificate/ High school marksheet
Bank statement of the last six months
Salary slip of the past three months
Processing fee cheque

Extra documents needed are given under-
For Self-employed Professional:
Proof of existence of Business
Education qualification certificate
Income tax returns of the past three years

For Self-employed Non Professional:
Proof of existence of Business
Education qualification certificate
Business Profile
Income tax returns of the past three years
P&L account and Audited Balance Sheet of the previous three years which has been certified by a CA

Other documents related to property-
Power of Attorney Format
In case, the loan account holder dies, documents required are:
Request letter
Letter of relinquishment
Personal loanSalaried employee
Identity Proof:- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card
Two Photographs of Passport size
Proof of Residence:- Utility Bill / Passport/Leave and License Agreement
Bank Statement of the past three months in which the salary is credited
Salary slips of the past three months.
Self-employed Individuals:
Proof of Identity- Aadhar card/PAN card/ Passport/Voter ID card
Address Proof- Utility Bill / Passport/Leave and License Agreement
Proof of Age- Passport/Birth certificate/ High school marksheet
Bank statement of the previous six months
Proof of continuity of business.
Proof of Income- Audited Balance Sheet and Profit & Loss account of the previous two years
Proof of Office address
Proof of office ownership
Car loanPhotographs of passport size
Completely filled application form
Proof of Identity- Aadhar card/Voter ID card/PAN Card/Passport/Driving License
Proof of Age- Birth certificate/Passport/High school marksheet/PAN card
Proof of Residence- Allotment letter/Passport/Telephone Bill/Electricity Bill/Leave and license agreement
Bank statement with verification of signature
Proof of Income-
Salaried employee: Latest salary slip and Form 16
Self-employed Professional: Income tax (IT) returns of the previous two years
Self-employed Non Professional: Income tax returns of the last two financial years along with audited Balance Sheet and Profit & Loss account

Proof of ownership or Proof of business stability (Self-employed)

Partnership deed and a letter duly signed by the present partners whereby they give complete authority to one partner (Self-employed Non Professional).

For companies and societies two things are needed -Memorandum & Articles of Association plus Resolution by board of directors
Fixed depositProof of Identity- Passport/Voter ID card/PAN card/Aadhar card/Driving License/Government ID card/Senior citizen ID card/
Photo Ration card.

Proof of Address- Passport/Telephone Bill/Bank statement with cheque/Electricity Bill/Leave and license agreement/ID card issued by a Post Office
Loan against propertyCompletely filled application which is duly signed
Photographs of passport size
Identity Proof:- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card
Proof of Residence:- Utility Bill / Passport/Leave and License Agreement
Proof of Age- Passport/Birth certificate/ High school marksheet
Bank statement of the last six months
Salary slip of the past three months
Processing fee cheque

Extra documents needed are given under-
For Self-employed Professional:
Proof of existence of Business
Education qualification certificate
Income tax returns of the past three years

For Self-employed Non Professional:
Proof of existence of Business
Education qualification certificate
Business Profile
Income tax returns of the past three years
P&L account and Audited Balance Sheet of the previous three years which has been certified by a CA

Property documents-
Agreement for Sale & construction,
Letter of Allotment,
Tripartite Agreement which has to be given before disbursal of loan, Certificate of possession,
Detailed cost of construction and Land tax receipt.
Business loanCompletely filled Application form
Proof of Entity – Partnership deed/Shops and Establishment certificate/Certificate of Incorporation
PAN Card copy of Entity, Partners/Proprietors/Directors, guarantors and Security providers
Proof of Address of Entity, Partners/Proprietors/Directors, guarantors and Security providers
Bank statement of the last six months
Audited Balance Sheet and Profit & Loss account of the last three financial years
The performance of the current year and estimated turnover on the letterhead of the entity
Income Tax returns of the past one year of the borrowing entity
Education Loan1.For Loan against security-
Passport size photographs
Proof of Residence- Electricity Bill/Telephone Bill/Passport/Rent and Lease agreement
PAN card copy is mandatory
Proof of Identity- Aadhar card/PAN card/Voter ID card/Passport/Driving license
Processing fee cheque
Demat statement

2. For Loan against property- Same documents as given above in the section of LAP (Loan against Property)

3. For Loan against fixed or recurring deposits-
Completely filled application form which is signed by both the FD holder and borrower
Original FD receipts which should be discharged by the holder
Gold LoanTwo photographs of passport size
Proof of Identity- Aadhar card/Voter ID card/PAN Card/Passport/Driving License
Proof of Residence- Allotment letter/Passport/Telephone Bill/Electricity Bill/Leave and license agreement
Land holding proof in case of agriculture loan above ₹ 1 Lakh.

About ICICI Bank

ICICI Bank is one of the country’s prominent commercial private sector banks.  It has been recognized as a trusted and worthy financial institution because of the exceptional performance it has shown and the innovative marketing strategy it has implied. The bank mindblowing journey in the banking world started during the year of 1994. Before that, it was a banking subsidiary, which was being promoted by Industrial Credit and investment Corporation of India Limited. ICICI bank has covered each and every state of India with its wide network. The network consists of over 4500 branches and  14,000 ATMs. It has taken all steps to ensure that the facility of banking reaches even in the remote areas of the country.

ICICI Bank has centered its focus on becoming not only a leading provider of financial products and services in the nation but in foreign countries as well. The bank is present in about 18 countries of the world and is delivering as per the expectations of the customer. It is now concentrating on ways to move to the next phase of expansion of business to new countries. As a matter of fact, the country’s first internet banking facility was launched by ICICI bank in 1998. The bank has been constantly using digital technology since then. Pune is an important city in terms of education and information technology. It is attracting investment from all the corners. ICICI bank has opened up more than 40 branches in the city that have employees who working to deliver the products on time.

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