ICICI Bank Personal Loan Guwahati | Interest Rates | Apply Online
ICICI Bank Personal Loans in Guwahati: Apply online with lowest Interest Rates, EMI. Check Offers, Documents and Eligibility for Personal Loan and Choose the Best.
ICICI Bank Personal Loan – Key Benefits in Guwahati
- Loan up to Rs. 15 Lakhs
- No security/guarantor required
- Faster processing.
- Minimum documentation
- Attractive rates of interest
- Flexible repayment option of 12-60 months
Compare Personal Loan Rates – Eligibility – Process of Top 10 Banks. Check CIBIL score absolutely FREE.
ICICI Bank Personal Loan Details
| Interest Rates | 10.99% – 17.50% |
| Processing Fee | Upto 2.25% per annum of loan amount plus GST |
| Prepayment Charges | 5% per annum of principal outstanding plus GST |
| Tenure | Upto 5 Years |
| Loan Amount | Upto 20 Lakh |
ICICI Bank Personal Loan
Personal loans by ICICI come with higher eligibility and lower EMIs at attractive interest rates. Apply now for an ICICI Bank personal loan and fulfill the financial requirements.
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Eligibility Required for Loans in Guwahati
You can avail of an ICICI Bank Personal Loan if you meet the following criteria:
|
Criteria* |
Salaried |
| Age | 23 years – 58 years. |
| Net Salary** | Salaried Individuals with minimum monthly income – Rs. 20,000 p.m. (Rs. 25,000 for customers residing in Mumbai and Guwahati) |
| Eligibilty | ICICI Bank Salary Account Holder, Customers having asset relationship with ICICI Bank (availed Home Loan, Car Loan and/or Auto Loan), Salaried customers with ICICI Bank Savings Account or Salaried customer having no relationship with ICICI Bank. |
| Years in total job / profession | 2 Year |
| Years in current residence | 1 Year |
**The minimum salary requirement will differ depending on the profile (Type of employer, having relationship with ICICI Bank etc.) of the customer.
|
Criteria* |
Self Employed |
| Age | 28 years (self employed individuals) and 25 years (for doctors); Maximum- 65 years |
| Minimum Turnover | Rs. 40 lac (for non-professionals), Rs. 15 lac (for professionals) as per audited financials |
| Minimum Profit After Tax | Rs. 2 lac (for Proprietorship Firm/Self employed Individuals) and Rs. 1 lac (for non-professionals) as per audited financials |
| Business Stability | In current business for at least 5 years and minimum 3 years for doctors. |
| Existing relationship with ICICI Bank | Minimum 1 Year liability relationship (current or savings account) or asset (loan) relationship, either live or closed in the last 6 months. |
Documents Required for Salaried Class People in Guwahati for Personal loans of ICICI Bank
- Proof of Identity (any one) Passport / Driving License / Voters ID / PAN Card
- Proof of Residence (any one) Ration Card / Utility Bill / Passport / LIC Policy Receipt
- Latest 3 months Bank Statement (where salary/income is credited)
- Salary slips for last 3 months
- 2 Passport Size photographs.
List of documents for Self-Employed:
- KYC Documents : Proof of Identity; Address proof; DOB proof.
- Proof of Residence:- Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).
- Income proof (audited financials for the last two years).
- Latest 6 months Bank statement.
- Office address proof.
- Proof of residence or office ownership.
- Proof of continuity of business.
About Guwahati:
Guwahati — formerly known as Pragjyotishpura and Durjoya in ancient Assam and Gauhati in the modern era — is an ancient urban area, metropolitan and largest city of Assam as well as of northeastern India. It is one of the fastest developing cities in India and is a major city in Eastern India. It is often referred as “gateway” of North Eastern Region of the country.
Guwahati and its environs are rich in wildlife with several rare mammals such as Asian elephants, python, tiger and primates. The birdlife in and around the city is also rich and diverse.
