ICICI Bank Personal Loan Patna | Interest Rates | Apply Online

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ICICI Bank Personal Loans in Patna: 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 Patna

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

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.

Personal Loan By Top Banks

Eligibility Required for Loans in Patna

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 Patna)
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 Patna 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 Patna:

Patna is the capital of the Indian state of Bihar, and its most populous city. Patna is one of the oldest continuously inhabited places in the world. Ancient Patna, known as Pataliputra, was the capital of the Magadha Empire under the Haryanka, Nanda, Mauryan, Sunga, Gupta, Pala and during the Islamic period the seat of power for the Suri dynasty.

The Buddhist, Hindu, and Jain pilgrim centres of Vaishali, Rajgir, Nalanda, Gaya, Bodhgaya, and Pawapuri are nearby and Patna is also a sacred city for Sikhs as the last Sikh Guru, Guru Gobind Singh, was born here